Validation
Period
As per operators conditions of carriage.
Geographical
Limits
UNITED KINGDOM shall include England, Scotland, Wales, Northern Ireland,
the Isle of Man and Channel Islands.
Important
Notes
1. This policy is only available to persons resident in the United Kingdom
and to persons visiting the United Kingdom.
2. This policy is only valid for journeys within the United Kingdom.
3.As the cover commences immediately after the journey booking has been
accepted and the premium has been paid, no refund of the premium can be
allowed.
4.Cover is only available for the whole duration of the outward and return
coach/bus journey (if applicable) and no period between, providing you
have the travel document issued to you by Scottish Citylink and it is
validated with appropriate insurance validation certificate.
5.Under some sections there is an amount deducted (an excess) per incident
which applies to each insured person involved in an incident, as do the
sums insured under each section.
6. If your money, valuables or any item of personal baggage, are lost
or stolen, you must notify the local police within 24 hours of discovery.
Please make sure you get a copy of the police report. Failure to comply
will result in your claim being turned down.
7. Children under 5 years of age at the time if travel are insured free
of charge, provided this insurance is taken out by an accompanying adult
insured on the same policy.
Definitions
Wherever the following words and phrases appear in this policy, they will
always have these meanings: |
Section
1 – Personal Accident
You are covered for
The following benefits, which will be paid to you or your legal personal
representative, if you have a personal accident during your journey which,
at the end of 12 months of that accident, is the sole cause of your death
or disability:
1. Death – £10,000
2. Loss of one or more limbs, total and irrecoverable loss of sight in
one or both eyes or permanent total disablement – £20,000
Note – if you are
aged under 16 at the time of the accident, the death benefit will be limited
to funeral and other expenses up to £1000 and the permanent total
disablement benefit will not apply.
The aggregate liability of the Company under this section is £15,000
per insured person.
You are not covered for
Any claims for death, loss or disablement caused directly or indirectly
by:
1. a disease or any physical defect or illness
2. an injury which existed prior to the commencement of the journey
3. pregnancy
4. anything mentioned in the General Exclusions
Section
2 – Personal Property
You are covered
A. Personal Baggage
Up to £500 for the value or repair of any of your own baggage (not
hired, loaned or entrusted to you), which is lost, stolen, damaged or
destroyed (after making proper allowance for wear and tear and depreciation).
Limited to £100 in respect of all valuables in total, limited to
£100 in respect of single and/or a pair or set of articles, limited
to £100 for all sports equipment.
Note
–
In the event of a claim in respect of a pair or set of articles we shall
be liable only for the value of that part of the pair or set which is
lost, stolen, damaged or destroyed.
B. Personal Money
Up to £50 if your own money is lost or stolen while being carried
on you.
You are not covered
1. for the first £30 of each and every incident per each insured
person involved in the incident.
2. if you do not exercise reasonable care for the safety and supervision
of your property
3. if you do not obtain a written police report within 24 hours of the
discovery in the event of loss, burglary or theft of baggage, valuables
or money.
4. if you do not obtain a written carriers report if your baggage is lost
or damaged in transit.
5. for loss, destruction, damage or theft:
from confiscation or detention by customs or other officials or authorities;
of contact lenses, dentures, hearing aids, samples or merchandise, bonds,
coupons, securities, stamps or documents of any kind, vehicles or vehicle
accessories (other than wheelchairs or pushchairs only), tents, antiques,
musical instruments, pictures, typewriters, portable telephones, computers
and/or accessories, televisions, glass or china;
due to wear and tear, denting or scratching, moth or vermin;
of valuables left as ‘check-in’ baggage
6. for mechanical breakdown or derangement or for breakage of fragile
or brittle articles being transported by coach/bus, unless the breakage
is due to fire or other accident to the coach/bus they are being carried
in;
7. for personal baggage stolen from an unattended coach unless it was
in the locked luggage compartment of the coach/bus
and evidence of force and violent entry to the vehicle is available, or
any unattended property stolen from the passenger compartment of any unattended
coach/bus;
8. for any shortages due to error, omission or depreciation in value;
9. for any property more specifically insured or recoverable under any
other source;
10. for anything mentioned in the General Exclusions.
Section
3 – Personal Public Liability
You are covered for
Up to £1,000,000 for your legal expenses and legal liability for
damages which caused by an accident that happened during your journey,
leads to claims made against you for:
1. accidental bodily injury to a person who is not a member of your family
or household or employed by you;
2. loss or damage to any property which does not belong to, is not in
the charge of, and is not in the control of you, or any member of your
family, household or employee;
You are not covered for
1. fines imposed by a court of law or other relevant bodies;
2. anything caused directly or indirectly by:
a. liability which you are responsible for, because of an agreement that
was made;
b. injury, loss or damage arising from any deliberate act;
c. liability covered under any other insurance policy;
d. anything mentioned in the General Exclusions.
General
Exclusions
You are not covered for
Anything directly or indirectly caused by:
1. suicide, deliberately injuring yourself, being under the influence
of drink or drugs (unless prescribed by a doctor), alcoholism, drug addiction,
solvent abuse, wilful exposure to exceptional risk, (unless you are trying
to save someone’s life);
2. bankruptcy/liquidation of any tour operator, travel agent or transportation
company;
3. consequential loss of any kind;
4. any consequence, whether direct or indirect of terrorist activity (this
exclusion does not apply to Section 1 – Personal Accident, providing
the disturbances were not taking place at the start of the insured journey)
or hostilities;
5. loss or damage to any property and expense or legal liability; directly
or indirectly caused by or contributed to by arising from:
a. ionising radiations or radioactive contamination from any nuclear fuel
or nuclear waste which results in burning of nuclear fuel;
b. the radioactive, toxic, explosive or other dangerous properties of
nuclear machinery or any part of it;
c. pressure waves from aircraft and other flying objects travelling faster
than the speed of sound;
6. any payment which you would normally have made during your travels,
if nothing had gone wrong;
7. failure of any computer hardware or software or other electrical equipment
to recognise or process any data as the true calendar date (this exclusion
does not apply to claims made under Section 1 – Personal Accident).
Conditions
1. No payment will be made under Section 1 without appropriate medical
certification.
2. If we require any medical certificates, information, evidence and receipts,
these must be obtained by you and at your expense.
3. In the event of a claim, if we require a medical examination you must
agree to this and in the event of death we are entitled to a post mortem
examination both at our expense.
4. You must take all reasonable steps to recover any lost or stolen article.
5. If any claim is found to be fraudulent in any way this policy will
not apply and all claims will be forfeited.
6. The original policy and validation certificate must be produced before
any claim is made.
7. You must not make any payment, admit liability, offer or promise to
make any payment without written consent from us.
8. We are entitled to take over any rights in the defence or settlement
of any claim and to take proceedings in your name for our benefit against
any other party.
9. We may at any time pay to you our full liability under the policy after
which no further payments will be made in any respect.
10. It is a condition of this insurance that all material facts have been
disclosed to us, failure to do so may invalidate this insurance leaving
you with no right to make a claim.
11. If at the time of making a claim there is any other policy covering
the same risk we are entitled to contact that insurer for a contribution.
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