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Travel Insurance , Holiday Insurance , Annual Travel Insurance , Long Stay Travel Insurance , Expatriate Insurance , Short Term Travel Insurance , Personal Accident , Medical Insurance , Working Abroad Insurance , Non-U.K Resident Travel Insurance

U.K Residents Only

For complete peace of mind - World-wide cover that protects you while away, brings you home in an emergency.

We all accept insurance as an essential part of life. Naturally this must include Travel Insurance and it is so easy to overlook insuring every journey. Our Way’s Multi-Trip Worldwide Annual Insurance has been designed to overcome this problem by providing insurance protection for the traveller for a period of 12 months for a premium starting from only £84 or £70 if you decide not to have baggage cover which is normally covered under Household policies (please check with your broker). For a nominal additional premium you may include your spouse and/or two children under 18 years, providing they are travelling with, to or home from the insured person. Premiums can be greatly reduced if three or more individuals or families apply.

Once we have accepted the proposal and the premium has been paid, Our Way’s Multi-Trip Worldwide Annual Travel Insurance will cover any number of journeys abroad within the 12 months policy period. The maximum duration of any one journey is dependent on the duration option selected and paid for under this insurance.

Our Way’s Multi-Trip Worldwide Annual Travel Insurance is underwritten by CNA Insurance Company (Europe) Limited, a subsidiary of CNA Financial Coporation, one of the largest insurance groups in the United States with assets in excess of $62 Billon.

Available only to persons who have been permanently residing in the United Kingdom (including the Channel Islands and the Isle of Man).

SUMMARY OF COVER

this leaflet provides a synopsis of the cover available. for more information or a copy of the full policy cover together with all the exclusions please contact us or your agent.

1. Cancellation and Curtailment charges: up to £3,000 per journey

- For additional transport and accommodation expenses only.

- For medical expenses and additional transport and accommodation expenses.

- Hospital In-Patient Benefit up to £500.

- Death Benefit.

- Loss of limbs, eyes, or permanent total disablement from engaging in paid employment’s or paid  occupations of any       kind.

OPTION - you can increase the cover under this section to £100,000 at additional premium of £30 per person (excluding tax) on top of the premiums indicated opposite.

• Any single article £250

• Valuables - up to £400 in total.

• Business goods - up to £400.

• Loss of passport - up to £100.

• Cash - up to £200

• £20 after the first full 12 hours delay and

• £10 after each subsequent full 12 hours up to £200 or

• abandonment of the holiday of journey after 12 hours delay up to £3,000.

• Missed Departure up to £300.

This section is provided by International Passenger Protection Limited and underwritten wholly by a consortium of Association of British Insurers member Companies.

Provided you have booked your travel arrangements through a bonded travel agent or direct with a scheduled Airline or Shipping Line, bonded Coach Company or Railway, this section covers loss of all monies paid by you due to the financial failure of Airline, Shipping Line, Hotel, Car Hire, Ferry company or any component of the Insured’s travel arrangements not bonded or insured elsewhere, including the cost or repatriation where applicable.

In addition to the excellent cover summarised above, persons Insured under Our Way’s Multi-Trip Worldwide Annual Travel Insurance are covered for up to 17 days in respect of winter sports in any one policy period.

14. Ski Hire up to £200

15. Personal Ski Equipment up to £500

16. Ski Pack up to £300

17. Piste Closure up to £200

Deletion of Excess

Use of form E111 permits deletion of the Medical excess in the event of a medical claim being reduced. The E111 form is available from your local post office for persons travelling to European Union Countries ONLY.

Whilst general sporting activities may be covered at no additional premium please contact your agent to check that the activities you are participating in are covered by this policy.

I.P.T. - Insurance Premium Tax. Government Tax must be paid on the above premiums, at the current rate of 17.5% as indicated below the premium.

GROUPS - Please apply for group rates for 3 or more Basic Insured’s or families.

EXCESS - Under sections 1, 2, 4, 5 & 15 the first £50 per person per incident must be paid by YOU.

HIGHER EXCESS DISCOUNT OPTION - Having a higher excess of £100 on you policy will allow you a 12.5% discount on the above premiums excluding Tax. Please indicate your preference on the proposal form overleaf. This excess applies to sections 1, 2, 4 & 5.

CHILDREN - Aged 18 years or over will be charged at full rate unless in full time education in which case the age limit will be extended to 21 years.

MAXIMUM AGE 65 YEARS INCLUSIVE (age taken at date of issue of the policy).

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Last modified: 08/08/00 13:23