Our standard travel insurance policies provide cover for many activities. Please click here for more info: Hazardous Pursuits Category 1 and 2, Category 3, Category 4. However, there are some activities that cannot be covered under a Globelink policy, or maybe you just require extended cover for a few days.
We have therefore made arrangements with a specialist travel insurer to provide Globelink adventures cover for the following activities.
Amateur Sports, BMX Cycling, Bobsleigh, Boxing, Caving, Canyoning, Diving over 30 metres, Farm Work, Flying in unlicensed aircraft, Freestyle Skiing, Glacier Walking, Gliding, Go Karting. Hang Gliding , Heli-Skiing, Horse Jumping, Hot Air Ballooning, Ice Hockey, Kite Surfing, Micro Lighting, Martial Arts, Motor Cross, Motor Cycling, Motor Track, Manual work, Motor Rallies, Mountaineering (Europe or Kilimanjaro) Parachuting, Paragliding, Parascending, Polo, Potholing, Rock Climbing, Quad Biking, Sand Boarding, Ski Racing (major events), Ski Touring, Skydiving, Wake Boarding, Wrestling.
You can select from PART A only, if you already have a travel insurance policy in force, or if you select 2 or more days, you can add Part B to bring cover into line with a standard travel insurance policy.
This policy is only available to people aged up to 64 who are resident and regestered with a medical practitioner in the United Kingdom, Channel Islands and Isle of Man.
2011/12 Summary of Cover (Not applicable to Globelink policies)
Adventures
This is a summary of cover only and does not contain the full terms and conditions of the insurance contract. Full terms and conditions can
be found in the policy wording, which you should also read carefully.
1. Who provides your insurance cover?
This insurance is underwritten by White Horse Insurance Ireland Limited. Registered Office: Bay 89.2, Free Zone West, Shannon,
Co. Clare, Republic of Ireland. White Horse Insurance Ireland Limited is authorised and regulated by the Central Bank of Ireland.
You can check this with the Central Bank of Ireland by visiting their website www.centralbank.ie
This insurance is arranged by P J Hayman & Company Limited.
2. What does my travel insurance cover me for?
The policy is designed to offer protection for your travel arrangements as described in the summary of cover table below.
The following is only a summary of the main cover limits. You should read the policy for the full terms and conditions.
Summary of Cover
Section Limits (up to) - per person Excess* per person
Part A
Part B
1. Medical & Emergency Expenses**
Emergency dental treatment (for relief of pain only) £200
Burial Costs/Body Repatriation £3,500
Hospital Inconvenience Benefit £400 (£20 per day) Nil
Search & Rescue costs £50,000 (£10,000 in country of domicile) £500 per person
2. Personal Accident £10,000 Nil
3. Personal Liability £2,000,000 Nil (£200 property damage)
4. Activity Equipment £1,000*** £50 per person
Single items, pair or set limit £400***
Delayed Activity Equipment (over 12 hours) £200 Nil
Activity Equipment Hire £200 Nil
5. Legal Expenses £25,000 Nil
6. Possessions, Personal Effects, Money & Documents
Personal Possessions £1,500 £50 per person
Single items, pair or set limit £300
Valuables limit £300
Delayed Possessions (over 12 hours) £200 Nil
Loss of Personal Money £250 £50 per person
Loss of Travel Documents (incl. Passport) £1,000 £50 per person
7. Cancellation, Loss of Deposit or Curtailment £3,000**** £100 (£15 loss of deposit) per person
Pre-paid Activity Course Fees limit £1,000****
8. Unexpected Events
Travel Disruption (costs to reach destination) £1,000 £50 per person
Travel Delay £120 (£30 each 12 hours) Nil
or
Abandonment (after 12 hours delay) £3,000**** £100 per person
Pre-paid Activity Course Fees limit £1,000****
£10,000,000 £100 per person
* The Excess is the first amount of each claim, per section, for each separate incident, payable for each Insured Person.
** Cover under Section 1 is not available in your home country.
*** Under a Single Trip policy, the sums insured for Activity Equipment / Single items, pair or set limit may be increased to a maximum of £10,000 per person
(£1,500 single items, pair or set limit). Details of the cover you have chosen is shown on your Schedule.
**** Under a Single Trip policy, the sums insured for Cancellation / Curtailment (including pre-paid Activity Course Fees) and Abandonment cover, may be
increased to a maximum of £10,000 per person. Details of the cover you have chosen is shown on your schedule.
3. What else do I need to know about my travel insurance policy?
The full terms, conditions, exclusions and limitations of this insurance contract can be found in the policy wording, which you should
read carefully. It is essential that you refer to the medical conditions and material facts warranty on page 4 and the medical screening
questions on page 5 in the policy wording, as failure to comply with these conditions may jeopardise your claim or cover.
4. What is the duration of the contract?
Your policy will run from the dates shown on your schedule/booking confirmation once your policy has been issued.
5. Do I need to do anything after I have purchased the policy?
Please remember that it is your responsibility to regularly review your level of cover to ensure it remains adequate. Before you travel
you must tell us about any change in your circumstances which may affect your cover. It is very important to tell us about any changes
in medical conditions.
6. What cancellation rights do you have?
If your cover does not meet your requirements, please return the policy and schedule/booking confirmation within 14 days of the date
of issue but before your departure date for a refund of premium.
If during this 14 day period you have travelled, made a claim, or intend to make a claim then we are entitled to recover all costs that you
have used for those services.
Please note that your cancellation rights are no longer valid after this initial 14 day period.
7. How do I make a claim?
• If you are abroad and need medical assistance, please call our Emergency Assistance Service :
Tel: +44 (0)844 879 8313 or +44 (0)208 763 4932
For all other claims, please notify us by:
1. Telephone: 0871 664 7995 (calls cost 10p per minute from BT landlines. Calls from mobiles and other networks maybe
extra); or
2. Email: claims@white-horse.ie; or
3. Writing to: White Horse Administration Services Limited, PO Box 5633, Walsall, WS6 9BB.
8. What to do if you have a complaint?
• Step One – initiating your complaint:
Does your complaint relate to:
A. your policy?
B. a claim on your policy?
If A, you need to contact The Customer Services Manager,
P J Hayman & Company Limited, Stansted House, Rowlands Castle, Hampshire PO9 6DX.
If B, you need to contact The Customer Services Manager at White Horse Administration Services Limited.
The Customer Services Manager,
White Horse Administration Services Limited, PO Box 5633, Walsall, WS6 9BB.
Tel: 0871 895 0077. (Calls from BT land lines cost 10p per minute. Calls from mobiles and other networks may be extra.)
We expect that the majority of complaints will be quickly and satisfactorily resolved at this stage, but if you are not satisfied, you
can take the issue further.
• Step Two – contacting White Horse Insurance Ireland Limited:
If your complaint is one of the few that cannot be resolved by this stage, please contact the General Manager at White Horse
Insurance Ireland Limited, who will arrange for an investigation.
The General Manager,
White Horse Insurance Ireland Limited,
Bay 89.2, Free Zone West, Shannon, County Clare, Republic of Ireland.
• Step Three – beyond White Horse Insurance Ireland Limited:
If we have given you our final response and you are still dissatisfied, you may refer your case to the Financial Services
Ombudsman's Bureau.
9. Is the insurer covered by the Financial Services Compensation Scheme (FSCS)?
For your added protection, White Horse Insurance Ireland Limited are covered by the FSCS. You may be entitled to compensation
from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Most
insurance contracts are covered for 90% of the claim. Further information about the compensation scheme arrangements is available
from the FSCS or visit www.fscs.org.uk
REF : Adventures/PS/UK/08/11 Edition: Aug 2011
Please call Globelink on 01353 699082 for a quotation
