Student Travel Policy Summary 2019-2020

Student Travel Policy Summary 2019-2020

INSURANCE COMPANY: AIG Europe Ltd (UK)

POLICY HOLDER: UNIVERSITY OF LEICESTER

POLICY NUMBER: 0010627863

NO EXCESS IS APPLICABLE TO SECTIONS A1.1, B1.1, B1.2, B1.3, B1.4 & B1.5

A1.1 PERSONAL ACCIDENT - £50,000 A benefit payment is available for accidental death, loss of limbs or sight, permanent total disability. £50,000

B1.1 TRAVEL - £ unlimited Emergency medical expenses, including emergency dental treatment, and related additional transport and accommodation.  Please ensure that receipts are obtained; alternatively contact AIG Lifeline Assistance who may be able to facilitate a direct payment to the medical provider.  24/7/365 emergency telephone number +44 (0) 1273 552922.

B1.2 Repatriation Expenses - £ unlimited Transportation to appropriate medical facility or home in the UK.  Transporting the body or ashes of the Insured Person back to their final resting place within their Country of Permanent Residence.

There is no cover under section B1.1 & B1.2:

- when travelling against the advice of a medical practitioner or if the purpose of a trip is to receive medical treatment or advice; 
- for a claim as a result of the use of a non- prescribed drug or drugs which cannot be legally obtained from a pharmacy; 
- a claim as a result of suicide or self- inflicted injury.

Please note that should an injury or illness require in-patient hospital treatment, you MUST contact insurers on the number above as soon as possible. We recommend that within the USA, you contact AIG Lifeline Assistance in relation to ANY medical treatment.

B1.3 My Lifeline Assistance - £ Unlimited The network of Lifeline Plus Assistance offices are available 24 hours a day, 365 days a year. If assistance is required at any time please call the telephone helpline on +44 (0) 1273 552922.

B1.4 Legal Expenses - £ 50,000 Will reimburse for Legal Expenses incurred by or on behalf of an Insured Person in pursuit of a claim for damages or compensation against a third party who has caused physical injury to, or death or illness of, that Insured Person from an accident.  Subject to policy conditions.

B1.5 Personal Liability - £5,000,000 Will reimburse for any legal liability to pay damages incurred by the Insured Person whilst on a Trip.

£50 EXCESS IS APPLICABLE TO SECTION B2.1, B2.3, B2.4, B2.5, B3.1, B4.1

B2.1 Personal Property - £10,000 For lost, stolen or damaged property.  Single article limit for any one item £2,500.  See specific excess for mobile phones and tablets listed below.

There is an expectation that high value personal items are not taken on an overseas trip unless essential to the business.  In the event of a claim for personal effects, insurers may request details of household insurance where items may be more specifically insured. Documentary evidence will be required for all lost or stolen items to prove ownership.

B2.2 Business Equipment - £3,000 For lost, stolen or damaged business equipment.  Single article limit for any one item £3,000.

There is no cover under sections B2.1 and B2.2 for loss due to moth, vermin, wear and tear or gradual deterioration, mechanical or electrical breakdown or any process of cleaning or repairing, alteration or restoration.

Mobile Phone and Tablets - £1,000. For lost, stolen or damaged property.

For University owned mobile phones and tablets: nil excess.

For personally owned mobile phones and tablets: £250 excess.

Documentary evidence will be required for lost or stolen items to prove ownership.

B2.3 Temporary loss of Personal Property - £2,000 If temporarily lost for more than four hours during the outward or onward journeys, essential and reasonable replacement items may be purchased.

There is no cover for temporary loss of personal property on the final return stage to the United Kingdom or permanent country of residence. Any amount paid under section B2.3 will be deducted from a claim for total loss of personal property.

B2.4 Replacement Travel Documents - £2,000 For lost, stolen or damaged passport, visa, travel tickets or other essential travel documents.  Reasonable and necessary additional travel and accommodation and the costs of replacing the lost or damaged items.

B2.5 Loss or theft of property should be reported to the police or other appropriate authority and documentary evidence obtained within 48 hours of the discovery of the loss.  If your luggage is lost or damaged in transit, you should obtain a ‘property irregularity report’ from the airline before you leave the airport.

B3.1 Personal Money - £2,500 (Higher limits can be considered on application to the Insurance office).  Will reimburse for the physical loss or theft of money and also for the financial loss suffered as a result of fraudulent use of credit, debit or charge cards or mobile phone.  All incidents should be reported to the police or other appropriate authority and documentary evidence obtained within 48 hours of the discovery of the loss (or sooner as required by the Financial Card or Cheque issuer).

Reasonable Care - The Insured and each Insured Person must take all reasonable steps to avoid and minimise any loss or damage and must also make every effort to recover any property covered by this policy which has been lost or stolen.

Other Insurances - If at the time of a claim there is another insurance policy in the Insured’s name which covers the Insured or the Insured Person for the same expense or loss, the Company will only pay a proportion of the claim, determined by reference to the cover provided by each of the policies

B4.1 Cancellation, Curtailment, Rearrangement and Replacement - £10,000 Will reimburse if a Trip is cancelled, curtailed, rearranged, altered or disrupted as a direct result of any cause outside of the Insured Person’s control.

This section of the policy does not cover:
- a claim for cancellation, curtailment, rearrangement, alteration or disruption, as a direct result of any cause outside of the insured persons control;    
- a claim as a result of a natural catastrophe;
- disinclination to travel prior to commencement of the trip, (unless this decision is made as a result of UK Foreign and Commonwealth Office advising against all or all but essential travel which had not been given before the trip was booked), or if on a trip disinclination to continue;
- redundancy or termination of the insured person’s contract of employment within 31 days of the trip commencement or whilst on a trip;
- the financial circumstances of the Insured or insured person;
- the default or financial failure of a transport or accommodation provider, or their agents acting for the Insured or insured person;
- regulations made by any Public Authority or Government or persons under authority to make regulations;
- curtailment on medical grounds that is not based on the recommendation of a medical practitioner;
- the failure to check-in as instructed in the travel itinerary (unless the failure was due to strike or industrial action);
- the delayed departure of a ship, aircraft or train, due to strike, labour dispute, mechanical breakdown or failure of a means of transport, where the delay lasts for less than 24 hours or due to a strike or industrial action which existed or for which advance warning had been given before the date on which the trip was booked.

Sporting Activities: Recreational skiing/snowboard IS included within this policy.  The following activities are EXCLUDED:  Sky diving, bungee jumping, scuba diving over 30m, canyoneering, free climbing, cliff diving, hang gliding, professional sports, driving an aircraft, solo flying/sailing, caving, motor rallying, base jumping.

With increasing travel security and health risks, navigating the world of international travel requires a new level of sophistication in order to stay safe and secure. Please register to access convenient in-depth travel, security and health information 24/7/365.  AIG Travel Travel Assistance

EMERGENCY CONTACT DETAILS:

In the event of any query, or assistance regarding cover or claims please contact:-

University Switchboard: +44 (0) 116 252 2522
24/7 Out of Hours: +44 (0)116 252 2023
Ms Carol Maguire +44 (0) 116 229 7630 or +44 (0)7875 443161, cas54@le.ac.uk
Mrs Sue Banbury +44 (0) 116 229 7631 or +44 (0)7961 564749, sdb16@le.ac.uk

The cover provided under your Policy extends to include a range of assistance services supported by a 24 hour helpline. If you should need emergency assistance during your journey, please contact the emergency helpline: +44 (0) 1273 552922

When using AIG Travel Assistance, please make sure you have the following information available:

The Traveller’s name
The Traveller’s Date of Birth
The telephone, email and address overseas where the Traveller can be contacted.
The nature of the emergency or assistance required.
The name of the Traveller’s company, employer or organisation.

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Help and Support

Phone: 0116 229 7630

Email: insurance@le.ac.uk

Emergency Contacts:

24/7 Security:

0116 252 2023

Sue Banbury

(Insurance Manager)

07961 564749

Carol Maguire

(Insurance Officer)

07875 443161

Need to make a claim

Please contact the insurance office should you need to make a claim.

Tel:  0116 229 7630 or 7631

insurance@le.ac.uk

cas54@le.ac.uk

sdb16@le.ac.uk

 

Location: Astley Clarke Building, Main Campus.