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1. |
Is there cover for pregnancy on this scheme? |
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Yes, provided you are not travelling against doctor�s advice. No
cover is given under sections 2, 3, 4, 5 and 6 of this policy in respect
of any claim arising from pregnancy within 8 weeks (or 16 weeks in the
case of a known multiple pregnancy) of the estimated date of
delivery. |
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2. |
What is meant by the term 'Policy Excess'? |
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Most sections of the policy carry an Excess. This is the
first amount of any claim that you will have to pay. The amount may vary
depending on the level of cover you have chosen. It is applicable per
person per section. The Excess will be reduced to NIL if you have used a
EHIC card to reduce their medical expenses bill. For more information, please refer to the "Meaning of Words" section
at the front of your policy wording. |
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3. |
What is a Pre-existing Medical Condition? |
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For the purposes of this insurance a Pre-existing
Medical Condition is considered to be:
1. any past or
current medical Condition that has given rise to symptoms or for which any form of
treatment or prescribed medication, medical consultation, investigation or
follow up/check-up has been required or received during the 12
months prior to the commencement of cover under this policy and/or
prior to any trip: and
2. any cardiovascular or
circulatory condition (e.g. heart condition, hypertension, blood clots,
raised cholesterol, stroke, aneurysm) that has occurred at any time
prior to the commencement of cover under this policy and/or prior to any
trip.
If you have any Pre-existing Medical Conditions that are NOT ON THE WAIVED CONDITION LIST
at the front of your policy wording, please call 0844 338 6074 quoting the reference "Rock" to assess if you are eligible to obtain
full cover for the condition(s) disclosed.
For more information, please refer to the "Important Health Requirments"
Section of your policy wording. |
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4. |
How do I make a claim? |
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To claim, please phone 0044 (0) 844 338 6073 and ask for a claim form
or email claimsgeneral@europ-assistance.co.uk. All claims must be submitted within 28
days of your return on a claim form, accompanied by original invoices, receipts,
reports, etc. Please refer to the relevant section of your policy for specific conditions
and details of the supporting evidence that Europ Assistance require. It is always
advisable to retain copies of all documents when submitting your claim form.
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5. |
How many children can you take free on a family policy? |
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The maximum number of dependant children (including foster children)
under the age of 18 living at home and in Full Time education is 4 on a family policy. |
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6. |
What are the Terms and Conditions? |
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It is important that you read the policy carefully and agree to all
the Terms and Conditions to make sure that the cover provided is suitable for you. |
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7. |
What are my cancellation rights? |
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You have 14 days from receiving the policy wording to read it and
see that it gives you the cover you require. During this time you can return the policy
for a refund if you are dissatisfied with the cover. The refund will only be given provided
you have not already made a claim, that there is not an impending claim and that you have
not already started your holiday or journey. If the request to cancel is received outside
of the 14 days cooling off period, then refer this to Rock Insurance on 0844 482 0666 with your reasons for
cancellation. |
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8. |
Will this policy cover me if my Trip has been Dynamically Packaged? |
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Yes, cover is provided irrespective of how your Trip / holiday has
been packaged together.
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9. |
What Winter Sports are covered on this scheme? |
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Provided you are under 65 years of age and have paid the Winter Sports premium, or you have purchased an
Annual Multi Trip policy, the following activities are covered:
Big-foot skiing
Cat
skiing
Cross-country skiing
Glacier skiing
Ice hockey
Mono-skiing
Skidooing
Skiing
Sledging
Snowboarding
Snow-blading
Snow mobiling
Tobogganing
Off piste skiing is covered when they are skiing within the ski area
boundaries of a recognised ski resort and following ski patrol
guidelines.
17 days Winter Sports Cover is included in our Annual Multi Trip policy
(this can be increased to either 24 or 31 days per year for an additional premium).
If you do not require Winter Sports cover, this can be removed at the point of sale.
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10. |
What do I need to do if I require medical assistance when travelling? |
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Please notify Europ Assistance immediately about any serious
illness or accident abroad where you have to go into hospital or you may
have to return home early or extend your stay (You should first check that the circumstances
are covered by Your policy).
Please contact Europ Assistance on the number shown below, giving Your name
and Certificate number, please also provide a telephone, fax or telex number
where Europ Assistance can contact You or leave messages at any time of day or night.
To comply with the terms & conditions of the insurance You MUST contact Europ Assistance
as soon as possible. You MUST obtain Europ Assistance's
authorisation prior to incurring expenses over �500. If You
have treatment as an outpatient You MUST get a medical certificate
showing the nature of the injury/illness and keep any original bills, which you have paid. You can submit a
claim for these expenses on your return to the UK (please refer to Q4
"How do I make a claim?").For assistance outside U.K dial: 00 44 (0) 844 338 6073.
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11. |
How is a 'Couple' or a 'Family' defined? |
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A 'Couple' is defined as Two people (including same sex partner) who live
together on a permanent basis.
A
'Family' is The main Insured Person, his/her spouse or Common Law Partner, and/or
their dependent children under 18 years of age (in full-time education and residing
with them). |
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12. |
Can we travel independently on our couple/family travel insurance
policy? |
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Each adult and all insured children can travel
independently. |
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13. |
How often can I travel on an Annual Multi-trip Policy? |
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You can take as many trips as you wish during the year;
however the total amount of time spent away must not exceed 183 days
within the Period of Insurance. Each trip must not last longer than 31
days. This can be extended to 62 days when the appropriate addition premium is paid.
17 days Winter Sports cover is included in this policy. (This can be increased to either
24 or 31 days per year at an additional premium). |
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14. |
What is the difference between the various levels of cover? |
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The Premier level of cover offers a wider range of cover with higher benefit
levels and lower Excesses. The Standard level of cover allows up to �1,500
Cancellation & Curtailment cover per person (�500 on the Economy level of cover & �5,000 on the Premier level of cover).
Please ensure that you have the required amount of cancellation cover for
your travel arrangements. There is limited cover available on the Economy level of cover.
Please ensure that this level of cover is suitable for your needs. |
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15. |
How is my policy delivered? |
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Your policy can be e-mailed directly to your e-mail address shortly after being issued,
please note that some internet providers filter our automated e-mails as SPAM so please check your SPAM/junk
folder if the e-mail has not been received. Alternatively for a small charge, your documents can be delivered by post.
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16. |
Is there cover for over 65's on this scheme? |
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Yes, you can purchase a Single Trip and Annual Multi-trip policies up until the age of 80 years.
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17. |
Is there cover for non-UK residents on this scheme? |
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Yes, we can cover residents of the European Union. To be eligible for cover
you need to be a resident of the European Union for six months prior to the issue of the
policy, and be registered with a local doctor. |
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18. |
Can I go scuba diving when travelling? |
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Scuba diving to a depth of 30 metres is covered if you hold a
certificate of proficiency or are diving with a qualified instructor.
The policy can be upgraded to include scuba diving to a depth of 50
meters for an additional premium. |
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19. |
Can I buy insurance for someone under the age of 18 if they are travelling without their family? |
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Yes, but they must pay the adult premium if they are travelling without their family
or if they are travelling with another family. Please contact Rock Insurance on 0844 482 0666 to arrange this for you. |
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20. |
What products do you offer? |
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Single Trip policies
Up to 65 years; 18 consecutive months all Zones
Up to 79 years;
93 consecutive days all Zones
Annual Multi-trip policies
Up to 65 years; 31 days (can be increased to 62 days with an additional premium) for all Zones
Up to 70 years; 31 days for all Zones
Up to 79 years; 31 days for Zones 1-4
Up to 79 years; 21 days for Zone 5
These
products are available for Individuals, Couples and Families
(including
Single Parent Family)
including optional covers for Winter Sports,
Golf, Wedding, Business and Timeshare Cover.
Economy, Standard and Premier levels of
cover.
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21. |
What happens if my bag is stolen with my travel documents and
money whilst I am travelling? |
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You must report theft or losses to the police or relevant
authority within 24 hours of the event and obtain a written report. These
reports are the only proof that the loss/theft did actually occur. Without
them Europ Assistance cannot make any payment to you. If you leave luggage
and personal items unattended in a public place then Europ Assistance
cannot be held responsible for any resultant claim. You should always take
reasonable care to look after your property and treat it as if it were not
insured. There is no cover for cash or valuables left in an unattended
vehicle at any time, even if the vehicle is locked. |
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22. |
Is there cover for glasses on this scheme? |
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Yes, there is cover for glasses on this policy, they are included as valuables.
However, the maximum amount that will be paid for sunglasses or prescription glasses
of any kind is limited to �150. |
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23. |
When do I need to purchase my travel insurance? |
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At the time of booking your travel arrangements
to make sure that you have cancellation cover in place for that particular trip.
If
your travel arrangements change you MUST call Rock
Insurance immediately on 0844 482 0666. You must be able
to provide the correct Period of Insurance on your documentation in the event of a claim. |
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24. |
What do I need to take on holiday with me? |
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Please ensure that you take a copy of your certificate of
insurance and a copy of the full policy wording and any endorsements that may have been purchased
separately - these documents contain important numbers that you may require whilst travelling. |
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25. |
Are my golf clubs covered? |
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Yes, up to the limits of cover shown on the policy
schedule, provided you have paid the additional premium for the Golf Cover
extension |
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26. |
Is there cover for cancellation on this scheme? |
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Yes, 'Cancellation' means that you will not have started your trip.
You may be able to claim on your insurance (subject to the
policy terms and conditions) for any travel or accommodation costs that
you have either already paid or are contracted to pay, that you cannot get
back from the tour operator etc. However, the reason for the cancellation
has to be one of those listed under the cancellation section of the
policy. Please ensure that you have enough Cancellation cover to protect the cost of your holiday.
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27. |
What is meant by the term 'Excess Waiver'? |
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You can pay an additional premium so that you do not have to pay
an Excess, should you need to make a claim. This must be purchased at the time of booking
the Insurance as this cannot be added on later. |
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28. |
What is an EHIC? |
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If you intend to travel to European Union (EU) countries,
the European Economic Area (EEA) or Switzerland. We would advise you to
obtain a Form CM1 from your local main Post Office. On returning this,
duly completed, to the main Post Office you will be issued with a European
Health Insurance Card (EHIC), which will entitle you to certain free or
reduced cost health arrangements in the EU, EEA or Switzerland. (Full
details are given in the DSS Leaflet No. SA40).
NB: In the event that you have used the EHIC to effectively reduce the
cost or your treatment or medicines; then you will not have to pay an
Excess in relation to any medical related claims. |
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29. |
What vaccinations do I need? |
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You should check with your doctor as soon as possible, your
doctor will be best advised to tell you what vaccinations are required, if any. |
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30. |
How long can I 'stop over' en route to Australia? |
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If you are travelling on a Worldwide or Australia / New Zealand policy,
you can Stop Over in the USA or Asia for a maximum of 72 hours each way. |
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31. |
Is there cover on this scheme if my flight operator financially fails? |
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If the flight is cancelled and no alternative is provided
within 12 hours of the intended departure time; then the cost of buying a
replacement ticket up to a maximum of �500 per Insured person is
available. |
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32. |
How do I change the details on my policy? |
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Changes can be made at any time, as long as there are no known claims on the policy.
If you wish to add any optional extra's to your policy this can be done at any time too. Please
contact Rock Insurance on 0844 482 0660. |
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33. |
Which Special Sports and Activities are covered at no additional
premium? |
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Abseiling (within organisers
guidelines)
Angling
Archery
Athletics
Badminton
Ballooning
� hot air (organised pleasure rides only)
Banana boating
Baseball
Basket Ball
Boardsailing
Bowling
Bungee Jumping
(within organiser�s guidelines)
Canoeing (up to grade 2 rivers
only)
Climbing (on a climbing wall
only)
Cricket
Curling
Cycling
Deep sea fishing
Fell
walking
Fishing
Glacier walking
Gliding (no cover for crewing or
piloting)
Golf
Gymnastics
Handball
Heptathlon
Hiking
/trekking /walking (below 4,000 metres)
Hill walking up to 2,000
metres
Horse riding (Excl competitions/racing/jumping/hunting)
Hot
air ballooning - (organised pleasure rides only)
Ice skating
Indoor
climbing (on climbing wall)
Kayaking (up to grade 2 rivers
only)
Kite surfing
Marathon running
Motor cycling (up to
125cc)
Mountain biking
Netball
Non competitive football /
Soccer
Organised safari without guns
Orienteering
Overland
trips
Parascending over water
Pony trekking
Racket
ball
Rackets
Rambling
Rap jumping (within organiser�s
guidelines)
Ringos
Roller skating/ blading (wearing pads &
helmets)
Rounders
Rowing (except racing)
Running
Safari
trekking in a vehicle (must be an organised tour)
Safari trekking on
foot (must be an organised tour)
Sail-boarding
Scuba diving to a
depth of 30 metres (within organisers guidelines)
Sea
kayaking
Skateboarding (wearing pads and helmets)
Sledging � pulled
by horse or reindeer as a
passenger
Snorkelling
Softball
Squash
Surfing
Table
tennis
Ten pin bowling
Tennis
Trekking /walking /hiking (below 4,000 metres)
Tubing
Tug of war
Volley
ball
Wake-boarding
Walking/ hiking / trekking (below 4,000 metres)
Water polo
Water
skiing
White water rafting ( within organiser�s
guidelines)
Windsurfing
Zorbing |
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34. |
Which Special Sports and Activities are covered at no additional
premium but where there is no cover in respect of any Personal Accident
and Personal Liability claims? |
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Camel riding
Catamaran sailing (if qualified)
Clay
pigeon shooting
Dinghy Sailing
Go Karting (within organiser�s
guidelines)
Jet boating (no racing)
Jet Skiing (no racing)
Paint
balling (wearing eye protection)
Rifle range shooting
Sailing/
yachting offshore (recreational, no racing)
Shooting (within
organiser�s guidelines)
Small bore target shooting (within
organiser�s guidelines)
War games (wearing eye protection)
Yachting
(if qualified)
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35. |
Which Special Sports & Activities are covered with an additional
premium? |
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American football
Climbing up to 4,000 metres
Dry slope
skiing
Endurance tests
Fives
Football - American
High
altitude trekking
Hiking / trekking / walking (above 4,000
metres)
Hockey
Lacrosse
Langlauf
Organised safari with
guns
Outdoor endurance events
Parascending - over land
Rugby
Sand dune surfing / skiing
Scuba diving between 30 metres - 50 metres (within
organiser�s guidelines)
Speed skating
Street Hockey (wearing pads
and helmets)
Summer tobogganing
Trampolining
Trekking /walking /hiking (above 4,000 metres)
Trekking high
altitude
Walking /hiking /trekking (above 4,000 metres)
White water canoeing (up to grade 4 only) |
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36. |
Which Special Sports & Activities are covered with an additional
premium, but where there is no cover in respect of any Personal Accident
and Personal Liability? |
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Fencing (within organiser�s guidelines)
Gaelic
football
Hurling
Polo
Sailing / yachting inshore (recreational
crewing, no racing)
Sailing / yachting offshore (recreational, no
racing)
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37. |
Which Special Sports and Activities are not covered under any
circumstances? |
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Adventure racing
Base jumping
Biathlon
Big game
hunting
Black water rafting
BMX riding �stunt /
obstacle
Bouldering
Boxing
Canyoning
Cave tubing
Caving /
pot holing
Climbing over 4,000 metres
Cycle racing
Cycle cross
Drag
racing
Flying (except passengers in licensed passenger carrying
aircraft)
Free mountaineering
Hang gliding
Harness racing
High
diving (over 5 metres)
Hunting (fox /
drag)
Jousting
Judo
Karate
Kendo
Manual work
Martial
arts
Micro lighting
Modern pentathlon
Motor cycle racing
Motor
racing
Motor rallying
Mountaineering (over
4,000 metres)
Parachuting
Paragliding / parapenting
Parapenting /
paragliding
Pot holing / caving
Powerboat
racing
Power lifting
Professional sports of any kind
Quad biking
River bugging
Rock climbing
Rodeo
Roller hockey
Shark diving (in
cage)
Skydiving
Speed trail / time trail
Time trail / speed
trail
Triathlon
Water ski jumping
Weight
lifting
Wrestling
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38. |
What does "No cover will apply in respect of Personal Accident and Personal
Liability" in Q34 & Q36 mean? |
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Personal Accident - No cover will apply, if You suffer Accidental Bodily
Injury during your Trip, which within 12 months is the sole and direct cause of
death or disablement
Personal Liability - No cover will apply, if in the course of a
Trip You become liable for accidental bodily injury to, or
the death of, any person and/or accidental loss of or damage to their property
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