Sunday, December 11, 2011

Insurance cover

Who provides my insurance cover?
This policy is underwritten by UK Insurance Limited. Registered Office: The Wharf,
Neville Street, Leeds LS1 4AZ. Registered in England No. 1179980. For the purpose of
us providing this insurance cover, Nationwide will provide us with information about
you, including your name and address. We will only use your information to provide
the insurance cover and will not use it for anything else.
Important information about cover for existing and previously existing
medical conditions
Please read the medical statements section of the policy carefully on page 6. The
policy does not automatically cover all illnesses and injuries. If you or anyone insured
on the policy have a pre-existing medical condition, you can call us at anytime to tell
us. We will tell you if we can cover that condition for free, if you need to pay us an extra
premium or if we cannot cover the condition. We will write to you to confirm what we
tell you over the phone. Where we cover or decline to cover medical conditions, we will
usually apply those terms for a 12 month period and at the end of this period we will
send you a letter asking you to call in again, we will talk to you about your condition(s)
and assess your condition(s) annually. You must update us of any changes in medical
conditions throughout the policy cover period, particularly before you book a trip and
before you travel.
To be eligible for free FlexAccount Travel Cover
Cover is only available to permanent residents of the UK.
Unless you have already been notified that you are eligible, in order to qualify for
free Nationwide FlexAccount Travel Cover you must hold a Visa debit card (not cash
card+) and complete a transfer of all of your Direct Debits and standing orders from an
account with another bank or building society to your FlexAccount using our Account
Transfer service. To qualify for cover you must be aged 73 or under at the point your
account transfer is complete. Once you meet the above criteria, you will receive a letter
confirming the start date of your cover.
Age limits
Cover will cease for any customer on 31 December after their 75th birthday.
Maintaining Cover
To maintain cover you must continue to hold a Visa debit card (not cash card+) and
deposit at least £750 per month into your account (excluding internal transfers).
We will review eligibility each September (starting from September 2012) and
customers not maintaining the deposit of at least £750 per month will be notified
when their cover will cease.
All customers
No matter when you opened your FlexAccount, it is recommended that you check
page 6 to ensure you understand cover around medical conditions. If you are unsure
about cover you should call 0845 246 1692 in order to be medically screened.
All cover will stop if the FlexAccount is closed or we notify you that you no longer meet
the eligibility criteria. If an account holder is removed from the account, cover will
cease for that person.
Key features and benefits
• Free European multi-trip cover (Europe is defined on page 5 of your policy
document) for named account holders who meet the outlined eligibility
requirements.
• There is a maximum trip limit of 31 days. Trips in the UK are also covered if they
include at least two nights pre-booked paid accommodation and are at least 25
miles away from your home address.
• Upgrades are available for an additional premium to include cover for
– Worldwide travel
– Family cover
– Winter sports
– Golf
– Wedding
– Business equipment
– Excess waiver
– Hazardous activities
– Extension of Cancellation Cover
– Age extension: If you are not within the age limits as outlined in the eligibility
section on page 1 but are 79 or under, we may be able to provide cover.
– As soon as you know whether you need to upgrade your cover, or if you have
previously purchased one of the above upgrades and your personal details
change, for example, change of name or change of address please contact us on
0845 246 1692. We will then send you confirmation of cover in writing.
Benefits Policy Limits Excess Exclusions and Conditions
Section A
Baggage
Page 10
Sum Insured
£1,500
Inner Limits
• Single article
limit: £300
• Limit for
all valuables: £400
• Delayed baggage
after 12 hours:
£250
£50 per
insured
person
Conditions
• You must obtain a Property
Irregularity Report from the
carriers within 3 days of the
incident or where you have
reported the loss to the police
authorities in the country
where the loss occurred
within 24 hours of discovery,
and obtain a copy of the
report.
• You should take all practical
steps to recover any articles
lost or stolen.
Exclusions
In addition to anything
mentioned in the general
exclusions, we will not pay
for loss, damage, theft or
destruction of:
• Valuables left in luggage
whilst in transit and outside
the control of the insured
person.
• Valuables and personal
possessions which are kept
in your locked personal
accommodation or safety
deposit box and force and
violence has not been used
to gain entry to your locked
personal accommodation or
safety deposit box.
• Sports equipment and
accessories whilst in use.
Section B
Personal
Accident
Page 11
Item 1 – Death where
you are aged:
a) Under 18 years:
£2,000
b) 18 years and over:
£25,000
Item 2 – Loss of limb:
£25,000
Item 3 – Loss of sight:
£25,000
Item 4 – Total
permanent
disablement:
£25,000
Nil Exclusions
In addition to anything in the
general exclusions, we will not
pay any claim which arises from
or is in connection with:
• Any sickness or disease,
naturally occurring or
degenerative condition.
• A claim under more than 1
item of this section.
• A pre-existing medical
condition.
• Your participation in a
hazardous activity.
The features, benefits and exclusions of the policy are set out in the table
below, which includes cross-references to the relevant sections of the policy
document. The policy itself has fuller details of these features, benefits and
exclusions, as well as those not listed here.
Benefits Policy Limits Excess Exclusions and Conditions
Section C
Cancellation
and
Section D
Curtailment
Pages 11
& 13
Sum Insured
£5,000
£50 per
insured
person
In addition to anything mentioned
in the general conditions, we will
only pay cancellation or curtailment
claims;
• For travel and accommodation
expenses, which you have pre-paid
or contracted to pay, at the time
you realise a claim may be made.
• Claims that are a result of an
accident, illness, when a medical
practitioner confirms in writing
that cancellation or curtailment is
medically necessary.
• Due to injury or illness of your cat
or dog when it requires life saving
treatment within seven days prior
to the start date of your journey.
Exclusions
In addition to anything mentioned
in the general exclusions, we will not
pay for claims which are a result of:
• Your disinclination to travel or
continue your journey.
• A pre-existing medical condition,
unless declared and accepted
by us.
• Failure of the tour operator or
any provider of transport or
accommodation to fulfil the journey
booking.
• An anticipated event.
• A medical condition of a close
relative, travelling companion or
business associate (whether they
are travelling or not) who has been
a hospital inpatient in the past 12
months or been put on a waiting
list for hospital treatment.
• The transport operator or their
agents refusing to transport you
or a member of your immediate
family, or a travelling companion,
because they consider that you or
they are not fit to travel.
Benefits Policy Limits Excess Exclusions and Conditions
Section E
Medical And
Emergency
Expenses
Page 14
Sum Insured
£10 million
Inner Limits
Towards
funeral costs
abroad;
£2,500
Towards
someone
coming out to
you on advice
of our medical
adviser;
£2,000
£50 per
insured
person
outpatient
claims only
Conditions
In addition to anything
mentioned in the general
conditions, payment of claims is
conditional upon you:
• Accepting our decisions
concerning the most suitable,
practical and reasonable
solution to any medical
emergency.
• Contacting the assistance
service as soon as possible
after an incident arises
(where costs are likely to be
greater than £500) to obtain
authorisation for treatment or
return to the UK.
Exclusions
In addition to anything
mentioned in the general
exclusions, we will not pay:
• Claims which arise from a
pre-existing medical condition,
unless declared and accepted
by us.
• An anticipated event.
• Any treatment or help where,
given your physical or mental
condition, you should not
have travelled or it would
have been reasonable for
you to have consulted your
medical practitioner, prior to
you booking or taking the trip,
about whether or not it was
appropriate for you to travel.
• For any claims due to your
participation in hazardous
activities.
Section F
Personal
Liability
Page 15
Sum Insured
£2 million
£100 for
claims for loss
or damage to
property only
Exclusions
In addition to anything in the
general exclusions, we will not
pay any claim which arises from:
• Death or bodily injury to your
employees, family or travelling
companion/s.
• Ownership, possession or
use of any animal, firearms,
mechanically propelled
vehicles, vessels (other than
manually propelled water craft)
or aircraft of any description
Benefits Policy Limits Excess Exclusions and Conditions
Section G
Personal
Money
Page 16
Sum Insured
£500 Cash
limit £250,
Children under
16 limit £100
£50 Conditions
In addition to anything mentioned
in the general conditions, in order
for your claim to be considered you
must :
• Report any loss to the police within
24 hours of its discovery and
obtain a police report from them.
• Take all steps to recover property
which is lost or stolen.
Exclusions
In addition to anything mentioned
in the general exclusions, we will
not pay for loss, damage, theft or
destruction of personal money:
• Left in luggage whilst in transit
and outside the control of the
insured person.
• Outside your control, other than
when it is kept in your locked
personal accommodation or safety
deposit box as long as force and
violence has been used to gain
entry to your locked personal
accommodation or safety deposit
box.
• Left in any motor vehicle.
Section H
Travel
Delay and
Abandonment
Page 17
Sum Insured
£5,000
Inner Limits
Towards Travel
Delay: First
full four hours
£250
£50 per
insured
person
Exclusion
In addition to anything mentioned
in the general exclusions, we will
not pay for claims which are a
result of:
• A strike or any form of industrial
action which had been announced
or commenced before you
purchased the travel tickets,
obtained confirmation of booking
or before you departed from your
home.
Benefits Policy Limits Excess Exclusions and Conditions
Section I
Missed
Connections
Page 17
Sum Insured
£250 per
insured person
Nil Exclusion
In addition to anything mentioned in
the general exclusions, we will not pay
for claims which are a result of:
• A strike or any form of industrial
action which
had been announced or commenced
before
you purchased the travel tickets,
obtained confirmation of booking
or before you departed from your
home address.
Section J
Failure
of Public
Transport
Page 18
Sum Insured
£1,000 per
insured person
Nil Exclusions
In addition to anything mentioned in
the general exclusions, we will not pay
for claims which are a result of:
• A strike or any form of industrial
action which
had been announced or commenced
before
you purchased the travel tickets,
obtained confirmation of booking
or before you departed from your
home address.
• Missed departure claims due to road
traffic congestion or road closures
where you have
not left reasonable time to reach
your departure point on time or are
not travelling by scheduled public
transport.
Section K
Loss of
passport/
Driving
Licence
Page 18
Sum Insured
£500
Nil Conditions
In addition to anything mentioned in
the general conditions, in order for
your claim to be considered you must:
• Report the incident to the police in
the country where the loss occurred
within 24 hours and obtain a copy of
the police report.
Exclusions
In addition to anything mentioned in
the general exclusions, we will not pay
for claims which are a result of:
• Any destruction, loss or theft which
occurred prior to the start date of
your journey abroad, except where
such loss is as a result of burglary
and has been reported to the police.
• Any costs incurred in replacing the
passport or driving licence.
Benefits Policy Limits Excess Exclusions and Conditions
Section L
Hospital
Benefit
Page 19
Sum Insured
£25 per day,
maximum
£1,000
Nil Exclusion
In addition to anything mentioned in
the general exclusions, we will not pay
any claim
• Under this section, when we have
not
provided cover under section E –
Medical
and Emergency Expenses.
Section M
Legal Costs
Page 19
Sum Insured
£50,000
Nil Conditions
• If we accept your claim we, or a
solicitor we choose, will try to settle
the matter without going to court.
• We can refuse to pay further legal
costs if it is no longer more likely
than not that you will be successful
with your claim.
• You must send us full details of your
claim in writing as soon as possible
and in any event no later than 180
days after the date you knew about
or should have known about the
incident giving rise to the claim.
Exclusions
You are not covered for:
• Illness or injury which develops
gradually or is not caused by a
specific or sudden accident.
• Legal costs that relate to a period
before we have accepted your claim
in writing.
Significant and Unusual Exclusions and Limitations
that apply to all sections of cover
Conditions
• You, or any person acting for you, must not negotiate, admit or repudiate any claim
without our written consent.
• It is a condition of this insurance that all material facts, which is anything that might
alter, change or influence the continuation of this insurance cover on the same terms,
such as pre-existing medical conditions, criminal convictions and possible participation
in hazardous activities are disclosed to us.
Failure to do so may invalidate this insurance leaving you no right to make a claim. We
reserve the right to not extend the policy.
• If any claim is found to be fraudulent in any way, this includes exaggerating the
amounts of the claim, this policy will not apply and all claims will be forfeited. It is a
criminal offence to make fraudulent claims and you could be prosecuted.
• At the time of a claim, if you have any other insurance covering all or part of the same
costs, loss, damage or liability, we will pay our share of the claim in proportion to the
sum insured except under sections H, I, J where we will pay the full claim subject to the
policy limits.
Exclusions
This policy excludes any claim arising from:
• Death, injury, illness or disablement resulting from suicide, attempted suicide or wilful
exposure to danger (except in an attempt to save human life).
• Bankruptcy/liquidation of any tour operator, travel agent or transportation company.
Your right to cancel
You can cancel this policy at any time, however, this insurance is included as
an integral benefit within your Nationwide FlexAccount. You do not, therefore,
pay a separate premium and would not receive any refund as a consequence of
cancelling the policy. Nevertheless, should you wish to cancel the policy, please
return all your documents to: General Insurance Service Team, Nationwide
Building Society, Kings Park Road, Moulton Park, Northampton, NN3 6NW.
Cancelling your Upgrade
If you have paid to upgrade your policy you can cancel the upgrade within 14
days from the date you receive the amended schedule. We will then refund
the premium you have paid in full. No refund of premium is available after the
14-day period.
How to make a claim
To notify us of a claim in the first instance please call 0845 246 1696.
How to complain
Should there ever be an occasion where you need to complain, please call us
on 0845 246 1692. If your complaint relates to a claim, contact your claims
handler whose details will be shown in your claims documentation.
If you wish to write, then address your letter to Nationwide FlexAccount Travel
Cover, PO Box 106, 37 Broad Street, Bristol BS99 7NQ. If we cannot resolve
the differences between us, you may refer your complaint to the Financial
Ombudsman Service (FOS). Their address is: South Quay Plaza, 183 Marsh
Wall, London E14 9SR, alternatively call 0845 080 1800. Referral to the
FOS does not affect your right to take legal action against Nationwide
or the Insurer.
Details about our Regulator
UK Insurance Limited is authorised and regulated by the Financial Services Authority (FSA).
UK Insurance Limited’s FSA registration number is 202810. The Financial Services Authority
website, which includes a register of all regulated firms, can be visited at www.fsa.gov.uk or
the Financial Services Authority can be contacted on 0845 606 1234.
What happens if we are unable to meet our liabilities?
Under the Financial Services and Markets Act 2000, should the company
be unable to meet all its liabilities to policyholders, compensation may be
available. Insurance advising and arranging is covered for 90% of the claim,
without any upper limit. Information can be obtained on request, or by visiting
the Financial Services Compensation Scheme www.fscs.org.uk.
Law
Unless otherwise agreed, English Law will apply to the Nationwide FlexAccount
contract.
European Multi-trip Cover
Nationwide FlexAccount Travel Cover is written on behalf of Nationwide
Building Society by UK Insurance Limited which is authorised and regulated
by the Financial Services Authority. UK Insurance Limited’s FSA registration
number is 202810.
Useful Numbers
Travel Advice Line 0845 246 1692
Opening Hours: Monday to Friday 8am-8pm, Saturday 9am-5pm
Medical conditions 0845 246 1692
Emergency Helpline
Outside UK 0044 141 349 0109
Inside UK 0141 349 0109
Nationwide acts as an intermediary for Nationwide FlexAccount Travel Cover, which is underwritten
by UK Insurance Limited on behalf of Nationwide Building Society.
UK Insurance Limited is authorised and regulated by the Financial Services Authority.
UK Insurance Limited™s FSA registration number is 202810
Registered Office: The Wharf, Neville Street, Leeds LS1 4AZ
Nationwide Building Society is authorised and regulated by the Financial Services Authority under
registration number 106078. Credit facilities other than regulated mortgages are not regulated by
the Financial Services Authority. You can confirm our registration on the FSA’s website,
www.fsa.gov.uk or by contacting the FSA on 0845 606 1234.
The information in this leaflet was correct at the time of going to print.
Nationwide Building Society
Head Office, Nationwide House
Pipers Way, Swindon, Wiltshire
SN38 1NW
P1216 (September 2011)
Frequently Asked Questions
How do I know if I am covered with my medical history?
Please refer to your policy document page 6. If you still need to discuss your
cover contact customer service on 0845 246 1692.
I already have a travel insurance policy do I have to take this free policy too?
No you do not have to take the cover. If you are eligible for the free policy you will
receive this automatically. You should compare the cover you have elsewhere with
the cover provided by this policy. We are unable to give advice on which policy
best meets your needs, please ensure you are satisfied with the level of cover
this policy gives you before cancelling any other policies. You can opt out of this
free insurance, to do so please return all your documents to: General Insurance
Service Team, Nationwide Building Society, Kings Park Road, Moulton Park,
Northampton, NN3 6NW. As this insurance is included as an integral benefit
within your Nationwide FlexAccount you do not pay a separate premium and
would not receive any refund as a consequence of cancelling the policy.
If I want to upgrade the policy to cover my spouse/children, how do I get a
quotation?
Any upgrades to your policy need to be handled by the insurer. Please contact
customer service on 0845 246 1692 to see if cover can be provided. An
additional charge will apply.
When can I make changes to the level of my cover/upgrade?
Changes to your policy can be made with immediate effect. Please contact
customer service on 0845 246 1692.
Do I need to renew my FlexAccount Travel Cover annually?
Nationwide FlexAccount Travel Cover is provided unless your Nationwide
FlexAccount is closed, a party removed or fails to meet the required eligibility
for travel cover.

No comments:

Post a Comment