• Health Declaration Questions

• Geographical Destinations

• Travel Disruption Cover

• Golf Cover

• Cruise Cover

• Wedding Cover

• Business Benefits Extension Cover

 

Telephone: 0800 978 8564

Opening hours: 9am to 5pm Monday to Friday

Terms and Conditions
 

Please read the following carefully.

I can confirm on behalf of all Insured Persons that:

 
 

1. All Insured Persons understand that the Certificate Validation Document together with the Certificate of Insurance forms a Contract of Insurance and that they have confirmed their agreement to all the terms, conditions and exclusions of the Insurance Certificate.

 

2.All Insured Persons confirm that to the best of their knowledge and belief, that there are no circumstances of which they are aware which might lead to a claim under this insurance and that all Insured Persons are aware that they are not covered for any claim if:

(a) they are travelling against medical advice, or
(b) they are travelling to receive medical advice or treatment, or
(c) they have been given a terminal diagnosis.

 

3. All Insured Persons are aware that they are not covered for any claim under this Insurance arising or resulting from:

(a) Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn's disease, epilepsy or cancer for which you have ever received treatment (including surgery, tests or investigations by your doctor or a consultant/specialist and prescribed drugs or medication)
(b) Any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic within the last twelve months
(c) Any medical condition for which you are taking prescribed drugs or medication

Unless declared and accepted by the Medical Screening Helpline

4. All Insured Persons have been resident in the United Kingdom for 6 months or more prior to the insurance starting.

 

5. Persons over 84 years of age, meaning having reached their 85th birthday at the date of issue of this Certificate, are not eligible for cover under Single Trip. Persons over 65 years of age, meaning having reached their 66th birthday at the date of issue of this Certificate, are not eligible for cover under Long Stay Trip. Persons over 74 years of age, meaning having reached their 75th birthday at the date of issue of this Certificate, are not eligible for cover under Annual Multi Trip.

 

6. All Insured Persons understand that any information provided to the Underwriters regarding the Insured Person(s) will be processed by the Underwriters, in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties.

 

Please note: These Terms & Conditions are not designed to be a replacement of the policy wording. These terms and conditions are an abbreviation of the policy wording and have been added here to help you decide if our policy meets your requirements. You should read the policy wording carefully and contact us within 14 days if you need to cancel or amend your policy.


If you or any person to be insured is intending to take part in any sporting activities please check the list to see if you are covered. CLICK HERE

 

   
 
Penguin Insurance Services Limited are Authorised & Regulated by the Financial Conduct Authority. FCA Number 546067. Full details can be found online in the FCA Register or by contacting the FCA on 0800 111 6768. © 2016 David Oliver Associates. All rights reserved. WFN