Royal & SunAlliance Insurance Group. Foreign Unit Travel Insurance Scheme Summary of Insurance

Royal & SunAlliance Insurance Group

Foreign Unit Travel Insurance Scheme Summary of Insurance

Personal Accident, Sickness, Temporary Life and Travel

Insurance Policy

The following provides a summary of the main policy features and benefits and any significant exclusions and limitations For full terms and conditions please read the Policy wording, a full copy of which is available upon request

Important Information

The Customer Service Section of this Policy Summary gives you important information on the following:

Features and Benefits Significant Exclusions and Limitations

Personal Accident, Sickness and Temporary Life Insurance

Provides financial protection as a result of

a) accidental bodily injury which independently of any other cause results within two years in Death or Disablement b) Sickness or Disease whilst on an Insured Journey (or within 6

months of the completion of an Insured Journey) which is solely attributable to such journey insured and which independently of any other cause results in Permanent Total Disablement

c) Temporary Life Insurance – providing financial protection from any cause not covered by the Personal Accident and Sickness Section of the policy which results in Death

Benefits

1 Death Disablement

2 Loss of two or more Limbs or both Eyes 3 A) Loss of one Limb or Eye

B) Permanent total loss of speech C) Permanent total loss of hearing

i) in both ears

ii) in one ear (see Special Condition 2D) 4. Permanent Total Disablement from usual occupation 5. Temporary Total Disablement from usual occupation 6. Sickness or Disease causing Permanent Total Disablement

from usual occupation

7. Temporary Total Disablement from usual occupation as a result of sickness or disease

Sum Insured in respect of Personal Accident and Sickness

For persons aged 16 to 72 years 1 2 3 4 & 6 £75,000

5 & 7 £500 per week or 100% of contracted weekly wage whichever is the lesser up to 52 weeks

Sum Insured in respect of Temporary Life

For persons aged 16 to 72 years £75,000

For persons between the ages 5 years to 15 years Death benefit is restricted to £20,000

Exclusions

- Stunt performers or stunt arrangers whilst engaging in or practising or rehearsing for or taking part in training for the performance of any stunt unless agreed otherwise by the Company - Insured Persons engaging in air travel as

a pilot or member of the crew - Insured Persons committing or

attempting to commit suicide

- Benefit 7 unless the Period of Disability exceeds seven consecutive days - Nuclear Chemical or Biological

Terrorism Incident

- War in normal country of residence

Limitations

- In respect of Insured Persons between 5 and 15 years of age Permanent Total Disablement shall be restricted to gainful employment of any and every kind

- There is no cover for persons under 5 years of age or over 72 years of age unless specifically agreed by Insurers - Bodily injury shall not include Sickness

or Disease

Maximum Incident Limit £25,000,000 Subject to the following inner Limits: Aircraft Accumulation

- Multi engined aircraft £10,000,000 - Single engined aircraft or helicopter

£ 1,000,000 War while on an External Journey

£10,000,000 Terrorism (other than Nuclear

Medical and Emergency Travel Expenses and Hospitalisation Extension

If an Insured Person falls ill or sustains accidental bodily injury

Sum Insured Unlimited

- Medical Expenses in Britain or the Insured Person’s normal country of residence (unless below £25,000 in respect of expenses arising in connection with an Insured Journey outside of Britain or the Insured Person’s normal country of residence)

- The Insured Person travelling against medical advice or for the purpose of obtaining treatment abroad

Personal Liability

Indemnity in respect of legal liability for damages following accidental bodily injury to any person not employed by the Insured and /or for loss or damage to third party material property

Sum Insured £5,000,000

No indemnity is provided where legal liability arises out of - the Insured Person’s trade, profession or

Business

- ownership, possession or use by or on behalf of the Insured Person of any mechanically propelled vehicle aircraft other aerial device hovercraft or water-borne craft (other than hand-propelled or sailing craft in territorial waters)

Legal Expenses

Indemnity in respect of legal expenses incurred by the Insured Person or their Personal Legal

Representatives in pursuit of compensation against a third party in the event of an Insured Person

sustaining injury during an Insured Journey Sum Insured £50,000 any one claim

- Any claim reported more than 90 days after an event - Any claim where the prospect of success in achieving a

reasonable settlement is insufficient, or the estimate of irrecoverable legal expenses is greater than the compensation being sought

Travel Delay

Indemnity provided at a rate of £50 for each 4 hours up to a maximum of £500 in respect of any one Insured Person

- Delay due to strike or industrial action which existed or of which advance notice was given at the time of the booking

- Delay due to withdrawal from service temporarily or permanently of any means of transport on the order of the Port of Authority or Civil Aviation Authority or similar body in any country

- If the Insured Person has received compensation from the airline concerned in the overbooking of seats

Hijack Kidnap and Detention

Indemnity at a rate of £300 per day plus the additional cost of necessary travel and

Cancellation Curtailment (including

Replacement and Rearrangement) and Change of Itinerary

Indemnity to the Insured for deposits, advance payments, travel and accommodation charges forfeit under contract

Sum Insured £5,000 per Insured Person

- Disinclination to travel - Redundancy

- Financial failure or omission or neglect of any provider of transport or accommodation or their agent

- The Insured Person travelling against medical advice

Personal Baggage (including Tools of Trade and Loss of Keys) and Personal Money and Credit Cards

Indemnity to the Insured for loss of or damage to Personal Baggage, Tools of Trade or Personal Money (including up to £1,000 towards the purchase of emergency clothing and toiletries if baggage is delayed for 4 hours or more) Sum Insured Personal Baggage £2,500 Tools of Trade £7,500 Loss of Keys £ 500 Personal Money and credit cards £ 500

- Loss of Money more than 120 hours preceding or subsequent to the completion of an Insured Journey - Any consequential loss other than following fraudulent

use of a Credit Card

- 10% Co-insurance clause in respect of Tools of Trade with a value in excess of £1,000

Travel Document Insurance

Indemnity to the Insured for loss of or damage to passport, visa, travel tickets or other essential travel documents. The Company will reimburse the Insured for the necessary additional cost of travel and accommodation and other costs necessarily incurred to enable the Insured to obtain replacements.

Sum Insured

Up to £2,000 any one Insured Person

General Conditions and Exclusions

- The Insured must notify the Company in writing as soon as possible after the Insured is aware that an event has happened which may give rise to a claim

- The Insured and the Insured Person must take all reasonable steps to minimise any loss or damage and to recover lost property

COMPLAINTS PROCEDURE

OUR COMMITMENT TO CUSTOMER SERVICE

At RSA we are committed to going the extra mile for our customers. If you believe that we have not delivered the service you expected, we want to hear from you so that we can try to put things right. We take all complaints seriously and following the steps below will help us understand your concerns and give you a fair response.

Step 1

Initiallyif you wish to make a complaint relating to your policy or a claim then please raise your concerns with your usual business contact at Aon. We aim to resolve your concerns by close of the next business day. Experience tells us that most difficulties can be sorted out within this time.

Step 2

In the unlikely event that your concerns have not been resolved within this time, your complaint will be referred to our Customer Relations Team who will arrange for an investigation on behalf of our Chief Executive. Their contact details are as follows:

Post: RSA Customer Relations Team

Email: crt.halifax@uk.rsagroup.com Our promise to you

We will:

• Acknowledge all complaints promptly

• Investigate quickly and thoroughly

• Keep you informed of progress

• Do everything possible to resolve your complaint

• Use the information from your complaint to proactively improve our service in the future. Once we have reviewed your complaint we will issue our final decision in writing within 8 weeks of the date we received your complaint.

If you are still not happy

If you are still unhappy after our review, or you have not received a written offer of resolution within 8 weeks of the date we received your complaint, you may be eligible to refer your case to the Financial Ombudsman Service (FOS). The FOS is an independent body that arbitrates on complaints. They can be contacted at:

Post:

Financial Ombudsman Service South Quay Plaza

Website: www.financial-ombudsman.org.uk

You have six months from the date of our final response to refer your complaints to the FOS. This does not affect your right to take legal action, however, the FOS will not adjudicate on any case where litigation has commenced.

Thank you for your feedback

We value your feedback and at the heart of our brand we remain dedicated to treating our customers as individuals and giving them the best possible service at all times. If we have fallen short of this promise, we apologise and aim to do everything possible to put things right.

CUSTOMER SERVICE SECTION - FAIR PROCESSING NOTICE

How we use your Information

Please read the following carefully as it contains important information relating to the details that you have given us. You should show this notice to any other party related to this insurance.

Who we are

This product is underwritten by Royal & Sun Alliance Insurance plc.

You are giving your information to Royal & Sun Alliance Insurance plc, which is a member of the RSA Group of companies (the Group). In this information statement, we us and our refers to the Group unless otherwise stated.

How your information will be used and who we share it with

Your information comprises of all the details we hold about you and your transactions and includes information obtained from third parties.

If you contact us electronically, we may collect your information identifier, e.g. Internet Protocol (IP) Address or telephone number supplied by your Service Provider.

We may use and share your information with other members of the Group to help us and them:

• Assess financial and insurance risks;

• Recover debt;

• Prevent and detect crime;

• Develop our services, systems and relationships with you;

• Understand our customers' requirements;

• Develop and test products and services

We do not disclose your information to anyone outside the Group except:

• Where we have your permission; or

• Where we are required or permitted to do so by law; or

• To credit reference and fraud prevention agencies and other companies that provide a service to us, our partners or you; or

We may transfer your information to other countries on the basis that anyone we pass it to, provides an adequate level of protection. In such cases, the Group will ensure it is kept securely and used only for the purpose for which you provided it. Details of the companies and countries involved can be provided on request.

From time to time we may change the way we use your information. Where we believe you may not reasonably expect such a change we shall write to you. If you do not object, you will consent to that change.

We will not keep your information for longer than is necessary.

Sensitive Information

Some of the information we ask you for may be sensitive personal data, as defined by the Data Protection Act 1998 (such as information about health or criminal convictions). We will not use such sensitive personal data about you or others except for the specific purpose for which you provide it and to carry out the services described in your policy documents. Please ensure that you only provide us with sensitive information about other people with their agreement.

How to contact us

On payment of a small fee, you are entitled to receive a copy of the information we hold about you. If you have any questions, or you would like to find out more about this notice you can write to: Data Protection Liaison Officer, Customer Relations Office, RSA, Bowling Mill, Dean Clough Industrial Estate, Halifax HX3 5WA.

Sun Alliance Insurance plc(No. 93792)