The benefits under this certificate
provided by AON Limited and underwritten
by Optimum Limited.
This policy is a CONTRACT
OF INSURANCE. It contains details of the cover,
conditions and exclusions relating to each Insured Person
and is the basis on which all claims will be settled. In
consideration of the payment of the required premium, Aon
Limited and Optimum Limited hereby agree to pay or indemnify
the Insured Person or his/her personal representative as
follows; subject to the terms conditions and exclusions
of this policy, on the schedule and in the application form.
We must draw your attention to a
number of important features of this insurance.
Please read these features and the whole of this document
Conditions and Exclusions:
there are conditions and exclusions which apply to individual
sections and general conditions and exclusions which apply
to the whole policy.
this contains full details of the cover provided plus the
conditions and exclusions which apply to it. You must read
the insurance policy carefully.
these are settled on an indemnity basis - not on a "new
for old" or replacement cost basis, unless otherwise
stated in the policy.
Date Change Exclusion:
Changes in dates and other systems containing computer chips,
which depend on date-related information in order to work
properly. Other than in respect of Sections 2 and 3, your
policy excludes anything directly or indirectly caused by
failure of any computer hardware or software or other electrical
equipment to recognize or process any date as its true calendar
Health: the certificate
contains conditions relating to the health of the people
traveling and others upon whose well being the trip may
depend. It may be that you are required to disclose the
condition of such people prior to cover being issued and
you must be aware that failure to disclose such information
will prejudice your position in the event of a claim. Please
see the section entitled: Health Conditions.
the policy does not provide private health treatment unless
specifically approved by the emergency service.
Complaints: the insurance
policy includes a complaints procedure which tells you what
steps you can take if you wish to make a complaint.
"Cooling Off" Period:
the policy contains a "cooling off" period which
allows you to return it and obtain a full refund if you
have justifiable reason to be dissatisfied with the cover
provided. Please see the section entitled: Cooling Off Period.
Hazardous Holiday Activities:
the policy may not cover you when you take part in certain
hazardous activities e.g.: Mountaineering. If you want cover
for such activities, please contact your issuing agent.
Please see section entitled 'Hazardous Activities"
to see what activities are covered under the policy at no
additional premium, what activities can be included in return
for additional premium and what to do if you wish to participate
in an activity not listed.
Limits: most sections
of the policy have limits on the amount the insurer will
pay under that section. Some sections also include inner
limits e.g.: for one item, or for valuables (see definition
below) in total. UK Law allows the parties to choose the
law applicable to the contract. The contract will be subject
to English Law unless otherwise agreed.
under most sections of the policy will be subject to an
excess. Where there is an excess, you will be responsible
for paying the first part of a claim.
you are required to take all reasonable care to protect
yourself and your property and to act as though you are