Sport Divers Travel Insurance | Westfield Sub Aqua Marine

TRAVEL INSURANCE FOR SPORT DIVERS AT LLOYD'S

NEW for 2007, If you include your Spouse on this policy with you then we can insure your spouse at half the premiums shown.

PREMIUM RATES PER PERSON

NUMBER OF DAYS	EUROPE	RED SEA	WORLD-WIDE
Up to5	£29.00	£37.00	£54.00
Up to10	£34.54	£43.00	£56.00
Up to 17	£39.48	£54.00	£66.00
Up to 24	£47.00	£65.00	£75.00
Up to 1 month	£58.00	£77.00	£98.00
Each Additional WEEK or part thereof	£9.00	£10.00	£25.00
Single long stay trips in excess of 6 months
PERIOD	EUROPE	RED SEA	WORLD-WIDE
Up to 7 months	£231.94	£300.00	£376.28
Up to 8 months	£240.64	£335.00	£391.09
Up to 9 months	£249.33	£368.00	£404.67
Up to 10 months	£258.03	£400.00	£419.47
Up to 11 months	£266.73	£415.00	£425.63
Up to 12 months	£275.43	£425.00	£431.81

COVER AUTOMATICALLY INCLUDES SPORTS DIVING WITHIN PREMIUMS SHOWN

Inclusive of insurance premium tax at the current rate.
To add winter sport/skiing cover, please add 100% to the premium.
Persons aged between 70 and 75 must add 100% to the premium.
Persons under 16 can half the above premium.
Infants under 2 years of age travel FREE with full paying adult.
-10% discount for group bookings for more than 10 persons.
NEW for 2007, you can now include your spouse for ½ the above premium.

Geographical Areas:
Europe:
United Kingdom, Isle of Man, the Channel Islands, Republic of Ireland, Europe (including Russia west of the Ural Mountains and Black Sea resorts), Mediterranean Island, Morocco, Algeria, Tunisia, Turkey, Madeira, Canary Islands and Azores.

Red Sea:
All Red Sea resorts north of the Tropic of Cancer.

World-wide:
Anywhere else in the World not detailed above.

CLICK FOR SHORT PERIOD TRAVEL
INSURANCE PROPOSAL FORM

FOR FULL DETAILS PLEASE CALL
YOUR INSURANCE BUDDY ON 01483 237827

Download full details of the Travel Policy

Frequently Asked Questions

Single Trip Travel Insurance Summary

The following summary does not contain the full terms and conditions of the contract, which can be found in the Insurance Certificate. The summary does not form part of your contract of insurance.

About your Insurance...
This Insurance is underwritten by the Association of Underwriters known as Lloyd's, led by Syndicate 5000.

The following is a summary of the main benefits applicable to each Insured Person, the Insurance Certificate/Schedule will show the actual cover provided: -

Sum Insured up to:
Medical and Additional Expenses, also includes cover whilst diving & skiing, but skiing/winter sports is limited to 17 days in any one year	£5,000,000*
Loss of Diving Days	£200
Hire of Diving Equipment	£150
Cancellation and Curtailment	£3,000*
Cash, Currency, Bank notes	£250*
Passports, Travellers Cheques	£750*
Credit Cards, Charge Cards, Bankers Cards	£750*
Personal Effects, including diving equipment	£2,000*
Each Article/Set	£300
Personal Liability	£2,000,000
Personal Accident	£25,000
* The first £50 will be deducted from all claims in respect of these Sections. Should the same occurrence give rise to a claim under more than one Section, only one amount of £50 will be deducted.

The Period of Insurance, during which all benefits are operative, will be shown in the Insurance Schedule provided to you when you arrange the cover. The effective period of cover for each trip commencing during the Period of Insurance shall be from the time of leaving home (or place of work if later) during the whole trip until return to home (or place of work if earlier). In addition Cancellation cover operates from the date of booking a trip or from the date of commencement of the Insurance as shown in the Insurance Schedule, whichever is the later.

Cancellation...
The Insurance Certificate is cancelable within 14 days if you feel the Insurance does not meet your needs. A full refund will be allowed if the Insurance Certificate and Schedule are returned Westfield Sub Aqua & Marine Insurance Services Ltd within 14 days, provided no claims and no trips have commenced.

Claims...
If you believe that you have a claim under the Insurance Certificate, you should notify:

Claims Administrators
One Claims Ltd
1-4 Limes Court
Conduit Lane
Hoddesdon
Hertfordshire
EN11 8EP
TEL: 01992 708720
FAX: 01992 450717

When you notify a claim you will need the Certificate Number shown in the Insurance Schedule.

Compensation...
Lloyd's insurers are covered by the Financial Services Authority's Compensation Scheme.
You may be entitled to compensation from the Scheme if a Lloyd's insurer is unable to meet its obligations to you under this contract.
If you were entitled to compensation under the Scheme, the level and extent of the compensation would depend on the nature of this contract. Further Information about the Scheme is available from:

Financial Services Compensation Scheme
7th floor Lloyd's Chambers
Portsoken Street
London E1 8BN
Website: www.fscs.org.uk

Complaints...
Any complaint should be addressed in the first instance to:

Compliance Officer
Westfield Sub Aqua & Marine Insurance Services Ltd
Clasford Lodge, Clasford Farm, Aldershot Road,
Guildford, Surrey GU3 3HQ

If you are not satisfied with the way that a complaint has been dealt with please contact:
Compliance Officer, St Paul Travelers Syndicate Management Ltd, 60 Gracechurch Street, London EC3V 0HR

In the event that you remain dissatisfied and wish to take the matter further you can do so at any time by referring to the Complaints Department at Lloyd's. The contact details are:

Complaints Department
Lloyd's
One Lime Street
London EC3M 7HA
Tel: 020 7327 5693
Fax: 020 7327 5225
E-mail: Complaints@Lloyds.com

Complaints that cannot be resolved by the Complaints Department at Lloyd's may be referred to the Financial Ombudsman Service. Further details will be provided at the appropriate stage of the complaints process.
This complaint procedure is without prejudice to your right to take legal proceedings.

Main Exclusions (This is not an exhaustive list. A copy of the full contract of insurance may be seen upon application to Westfield Sub Aqua & Marine Insurance Services Ltd)
Applicable to all sections of this Insurance:
* The Underwriters shall not be liable for any claim if the Sub Aqua activities giving rise to any claim hereunder are not being carried out at the time of the incident strictly in accordance with BSAC/PADI/SSAC/SAA/CFT/TDI regulations and for private, pleasure and amateur purposes only.
* Any trip known to exceed 12 months duration in respect of persons less than 70 years of age at commencement of the trip.
* Any trip known to exceed 31 days duration in respect of persons aged 70 years of age or older at commencement of the trip.
* Any trip booked or commenced contrary to medical advice, to obtain medical treatment or after a terminal prognosis has been made.
* Radiation risks.
* Terrorism involving the use or threat of use of nuclear, biological or chemical weapons or agents.
Additional exclusions applicable to Section 1 - Medical and Additional Expenses
* Pre-existing medical conditions.
* Medical expenses incurred after return to the UK or more than 12 months after the period of insurance, if earlier.
* Costs of in-patient hospitalisation or repatriation not pre-authorised by CEGA Emergency 24 hour Service.
* Costs of continuing medication for any health condition known to exist at the start of a trip.
* Any expenses resulting from venereal disease or AIDS.
* Self-inflicted injury, suicide, alcohol or drug abuse.
* Pregnancy and childbirth if delivery was expected during the trip or up to 2 months afterwards.
* Mountaineering, rock climbing, potholing or cave diving or riding or driving in any kind of race, exposure to exceptional danger.
Additional exclusions applicable to Section 2 - Cancellation and Curtailment
* Pre-existing medical conditions.
* Any condition or set of circumstances known to exist and which could have been expected to cause the trip to be cancelled or curtailed.
* Pregnancy and childbirth if delivery was expected during the trip or up to 2 months afterwards.
* Cancellation of a trip due to failure to check-in properly or due to any of your contractual liabilities.
* Cancellation due to the failure by a computer or other electronic device to deal with the year 2000.
Additional exclusions applicable to Section 10 - Baggage, Personal effects and Money
* Loss of personal effects, diving equipment, traveller's cheques or money if left unattended.
* Money or valuables lost or stolen if not reported to the police within 24 hours and written statement obtained.
* Jewellery, valuables, travellers' cheques or money left in the custody of a carrier.
* Damage to property by moth or vermin, wear and tear.
* Property already insured elsewhere.
* Property lost or damaged when held by a carrier, unless reported to the carrier within 24 hours.
* Property confiscated by Customs.
* Consequential loss of any kind.

All the above is subject to policy terms and conditions which are available upon request.