About Our Travel Insurance Service
|
|
 |
|
About Us
Chevron Air Holidays are a trading name of Crownshield Travel Ltd. Crownshield Travel Ltd of 143 St.Leonards Road, Windsor, Berkshire, SL4 3DW is an Appointed Representative of Citybond Holdings Plc, 109 Elmers End Road, Beckenham, Kent, BR3 4SY, which is authorised and regulated by the Financial Services Authority (FSA) to transact general insurance business. Citybond’s FSA Registration number is 312208. You can check this information on the FSA’s Register by visiting the FSA’s website at www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.
Demands and Needs
This travel insurance policy will suit the Demands and Needs of an individual, or group (where applicable) who have no excluded medical conditions, are travelling to countries included within the policy terms and who wish to insure themselves against the unforeseen circumstances/events detailed within this insurance policy. Subject to terms and conditions and maximum specified sums insured.
Important
This insurance policy will have been sold to You on a non-advised basis and it is therefore for You to read this insurance policy (paying particular attention to the terms, conditions and exclusions) and ensure that it meets all of Your requirements. If upon reading this policy You find it does not meet all of Your requirements, please refer to the relevant Option To Cancel section.
Insurance Premiums & Fees
We collect and hold insurance premiums as an agent of the insurer. When we provide you with a quotation, we will tell you about any fees which may apply in addition to the insurance premium.
Your Duty of Disclosure
You are responsible, on an ongoing basis, for providing us and/or your insurers with all material facts relating to the travel cover we arrange on your behalf. Material facts are those which are likely to affect the assessment and acceptance of the risks being insured. Failure to provide full and accurate information may mean that your travel policy is invalid. If you are in any doubt as to what facts might be considered to be material then you should disclose them to us or your insurers.
Complaints Procedure
We recognise the importance of service and set ourselves high standards. Should there be an occasion when we do not meet your expectations, we are equally committed to dealing with any complaint in a thorough and professional manner.
If you wish to make a complaint please contact us:
In writing, addressed to Chevron Air Holidays, 143 St.Leonards Road, Windsor, Berkshire, SL4 3DW
By telephone to: 0844 412 4482; By email to: malta@chevron.co.uk
If you cannot settle your complaint with us you may be entitled to refer it to the Financial Ombudsman Service.
Compensation
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the FSCS if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 100% of the first £2,000 of a claim and 90% of the remainder, without any upper limit. Further details about compensation scheme arrangements are available from the FSCS.
Your Cancellation Rights
If your cover does not meet your requirements, please notify us on malta@chevron.co.uk or 0844 412 4482 within 14 days of receiving your policy documents and return all such documents for a refund of your premium. If during this 14 day period you have travelled, made a claim or intend to make a claim, we can recover all costs that you have used for those services. Please be aware that your cancellation rights are no longer valid after this initial 14 day period. This insurance is underwritten by AXA Insurance UK plc. registered in England No. 78950. Registered address: 5 Old Broad Street, London, EC2N 1AD. AXA Insurance UK plc is authorised and regulated by the Financial Services Authority. Your policy is managed by Towergate Chase Parkinson who are authorised and regulated by the Financial Services Authority
This document contains details of the cover, conditions and exclusions relating to each Insured Person and is the basis on which all claims will be settled. It is validated by the issue of a Booking Confirmation/Invoice issued by Chevron stating details of the Insured Persons, the Period of Insurance, the travel details and the premium paid.
In return for having accepted Your premium We will in the event of bodily injury, death, illness, disease, loss, theft, damage legal liability or other events happening within the Period of Insurance provide insurance in accordance with the operative sections of Your policy.
SUMMARY OF COVER SUM INSURED
Cancellation £3,000
Medical Expenses £5,000,000
Repatriation
Curtailment £3,000
Luggage & Personal Money £1,500
Luggage Delay £150
Loss of Passport £100
Personal Liability £1,000,000
Personal Accident £10,000
Delayed Departure £100
Missed Departure £1,000
Legal Expenses £25,000
Statutory Cancellation Rights
You may cancel this policy within 14 days of receipt of the policy documents (the cancellation period) by writing to Chevron Air Holidays during the cancellation period. Any premium already paid will be refunded to You providing You have not travelled, no claim has been made or is intended to be made and no incident likely to give rise to a claim has occurred.
Cancellation Outside The Statutory Period
You may cancel this policy at any time after the cancellation period by writing to Chevron Air Holidays. If You cancel after the cancellation period no premium refund will be made.
We reserve the right to cancel the policy by providing 21 days notice by registered post to Your last known address. No refund of premium will be made.
Non payment of premiums
We reserve the right to cancel this policy immediately in the event of non payment of the premium
Period of Cover: In respect of Cancellation Cover from the date of premium receipt until leaving Home on the date of travel. In respect of all other parts of Cover from the commencement of travel date from the United Kingdom until return to the United Kingdom but not exceeding the Period of Insurance. In respect of one-way journeys cover will cease 24 hours after arrival at the final destination. In the event of the period of the Trip being extended due to illness or injury of You or Your travelling companion this insurance is automatically extended until, at Our option, the person concerned is either fit to return to the United Kingdom or until they have arrived Home or been admitted into medical care in the United Kingdom. In the event that We exercise Our right under the conditions applying to the medical expenses and repatriation expenses and curtailment sections of the policy to repatriate You and that You then refuse to be repatriated, all cover under this policy will cease from the time when the repatriation could have been arranged to take place.
EMERGENCY ASSISTANCE & REPATRIATION
In the event of death or in the event of injury or illness resulting in any of the following, immediate contact must be made with the Medical Assistance Service:-
(i) HOSPITALISATION
(ii) REPATRIATION
(iii) ALTERATION IN TRAVEL PLANS
SPECIALTY ASSISTANCE LTD
Telephone: +44 (0) 20 7902 7405 Fax: +44 (0) 20 7928 4748
When calling state Your identity, this Document No. and the identity and telephone number of the treating doctor.
Claims must be notified immediately in writing to Towergate Chase Parkinson P.O. Box 416, West Byfleet, Surrey, KT14 7YE Tel: 0870 906 3144 Fax: 0870 906 3149
eMail: chaseparkinson@towergate.co.uk In the event of a claim both this document and the
Booking Confirmation/Invoice must be produced.
Health Conditions: This insurance contains Health Conditions so You should inform Towergate Chase Parkinson of any medical conditions that may affect the Underwriters acceptance of Your cover. Please therefore telephone Towergate Chase Parkinson on 0870 906 3142 to inform them if anyone to be covered by this policy or any person upon whose health the Trip depends:
(a) Has an existing or on-going medical condition
(b) Is taking any prescribed medication
(c) Has or has had any condition still requiring periodic review
(d) ‑Is awaiting any tests, treatment, investigation, referral or results of these.
Failure to notify them may cause Your circumstances to fall within a policy exclusion.
DEFINITIONS
Us/We/Our – AXA Insurance UK plc.
Insured Person/You/Your/Yourself – Each person named on the Travel Company booking confirmation.
Period of Insurance – From the date of departure to the date of return as shown on the Travel Company Booking Confirmation/Invoice other than for cancellation which applies from the date of booking and terminates on the date of departure as shown on the Booking Confirmation/Invoice.
Trip – Any holiday, business or pleasure trip or journey made by You which begins and ends in the United Kingdom during the Period of Insurance.
Home – Your normal place of residence in the United Kingdom, Channel Islands or Isle of Man.
Business Associate – Any person whose absence from the business for one or more complete days at the same time as Your absence prevents the effective continuation of that business.
Medical Practitioner – A registered practising member of the medical profession who is not related to You or any person with whom You are travelling.
Close Relative – Husband, wife, parent, parent-in-law, child, son-in-law, daughter-in-law, grandchild, brother, sister, fiance(e) or partner.
Valuables – Jewellery, furs, watches, articles made of or containing precious metals or stones, mobile telephones, hearing aids, sports or leisure equipment, musical instruments, binoculars, electronic games, audio, video, photographic or computer equipment, portable satellite navigation systems including any ancilliary equipment or accessories all owned by You.
CANCELLATION
We will pay You up to the Sum Insured in respect of loss of deposits or cancellation charges levied for pre-booked transport and accommodation in the event of cancellation of the entire Trip prior to its commencement as a result of travel being prevented by:-
1) ‑Death, injury or illness as certified by a Medical Practitioner, summons for jury service or as a compulsory witness in a court of law (other than in the line of duty) to be undertaken during the Period of Insurance, compulsory redundancy qualifying for payment under the current Redundancy Legislation and notified after the date of purchasing the Insurance, of (a) You (b) a person with whom You had arranged to travel (c) a Close Relative of You (d) a Business Associate of You upon whom Your business in the United Kingdom depends (e) Your host or a member of their family residing with them.
2) ‑A complication of Your pregnancy or the duration of such pregnancy exceeding 30 weeks on the date of departure from the United Kingdom.
3) ‑Unavoidable delay exceeding 12 hours at the final point of departure from the United Kingdom as a result of failure or disruption of the pre-booked public transport service in which You were due to depart from the United Kingdom, where no alternative form of transport is offered.
Exclusions
(i) The first £50 (£150 aged 66 and over) of each and every claim per event for each Insured Person claimed for under this section. (ii) Any claim arising from a medical condition existing prior to the payment of the insurance premium or from a recurrent condition for which the sick person whose medical condition causes cancellation, whether they are booked to travel on the holiday or not, has or has had symptoms which are awaiting or receiving investigation, tests, treatment, referral or the results of any of the foregoing, unless We have agreed in writing, to cover You (iii) Any claim arising from a medical condition existing prior to the payment of the insurance premium or from any recurrent condition where a Medical Practitioner would have advised the persons travelling not to travel. (iv) Any additional charges incurred as a result of any delay in the Insured Person cancelling the booked arrangements.
MEDICAL EXPENSES
We will pay You up to the Sum Insured following illness or injury of You occurring during the Period of Insurance by reimbursement of necessary receipted costs in respect of emergency medical, surgical or hospital treatment, drugs or appliances, all provided or prescribed by a Medical Practitioner and given and incurred during the Trip together with the receipted travelling costs incurred in order to obtain such treatment.
Exclusions and Conditions:- below
REPATRIATION EXPENSES
We will pay You up to the Sum Insured
1) ‑Following illness or injury of You or of the person travelling with You or following death, injury or illness of either Your Close Relative or a Business Associate of You upon whom Your business in the United Kingdom depends (i) receipted costs, necessarily incurred, in respect of repatriation to the United Kingdom or repatriation Home in the United Kingdom if holidaying in the United Kingdom (ii) additional costs, necessarily incurred, of accommodation and subsequent repatriation if the Trip is extended.
2) ‑Following the death of You during the Period of Insurance (i) all costs in respect of repatriation of You to the United Kingdom undertaker specified by next of kin or (ii) the reasonable cost of burial or cremation in the country where death occurs excepting United Kingdom but not exceeding the cost of repatriation to the United Kingdom.
Exclusions and Conditions:- below
CURTAILMENT
Following Us accepting a claim within the Repatriation Expenses section of this policy We will reimburse a pro-rata amount of Your pre-paid travel and accommodation costs following curtailment by early return to the United Kingdom or by attendance at a hospital abroad as an inpatient but not exceeding the Sum Insured.
Exclusions applying to Medical Expenses, Repatriation Expenses and Curtailment
(i) The first £50 (£150 aged 66 and over) of each and every claim per event for each Insured Person claimed for under this section (ii) Medical conditions existing prior to the payment of the insurance premium or any consequence thereof in respect of which a Medical Practitioner would advise against travel or that treatment may be required during the duration of the Trip (iii) (a) Manipulative treatment (b) Alternative medicine (iv) Medical conditions existing prior to payment of the insurance premium in respect of which the sick or injured person has or has had symptoms which are awaiting or receiving treatment, investigation, tests, referral or the results of these unless We have agreed in writing, to cover You (v) The cost of replenishing supplies (vi) Any surgery, treatment or investigations for which You intend to travel outside of the United Kingdom to receive (including any expenses incurred due to the discovery of other medical conditions during and/or complications arisng from these procedures) (vii) (a) Any costs incurred in respect of treatment that can reasonably wait until You have returned to the United Kingdom (b) Cover only applies for emergency treatment necessary in respect of illness or injury occurring during the Trip and does not cover costs in respect of treatment of any underlying or related medical condition (viii) All claims following You acting against medical advice (ix) Any expenses incurred more than 12 months after the date of the illness or injury occurring (x) Your travel against any health requirements stipulated by the carrier, their handling agents or any other public transport provider. (xi) Any condition related to exposure to the sun (xii) Dental Treatment
Conditions applying to Medical Expenses and Repatriation Expenses and Curtailment
1) ‑In the event of death, or in the event of injury or illness likely to result in hospitalisation, repatriation, or any alteration in travel plans then immediate advice must be given to the Medical Assistance Service as specified in this policy and We will only pay for expenses agreed by them.
2) ‑You shall take all reasonable action to obtain medical treatment within any existing reciprocal health care agreement and recover any refunds within that agreement to which they may be entitled. Furthermore You (and/or Your legal representative) hereby authorise the release of any medical information as may be required to Our medical advisors.
3) ‑Any costs reasonably incurred by the Medical Assistance Service on behalf of You and for the benefit of You in any emergency situation shall not be regarded as Our acceptance of the claim.
4) Any refunds in respect of pre-paid un-used travel or accommodation all belong to Us.
5) ‑We reserve the right to repatriate You to the United Kingdom when in the opinion of the Medical Practitioner in attendance and Our medical advisers You are fit to travel.
LUGGAGE and PERSONAL MONEY
We will pay You up to the Sum Insured following accidental loss of or damage to luggage and personal effects, cash, travel tickets all being owned and taken on the Trip, or purchased during the Trip, by You.
Conditions
- ‑You shall (a) take all reasonable care for the supervision of the property (b) immediately report all loss of or damage to property to either the police or other relevant authority and obtain from them a written report in substantiation of the claim. All necessary action to recover the property should be undertaken. (c) produce receipts or other evidence of value and ownership where possible and in any event in respect of any item valued in excess of £100.Where this is not done liability shall be limited to £100. (d) retain all damaged items.
- ‑The amount payable will be the value at today’s prices less a deduction for wear, tear and depreciation (loss of value), or We may at Our option replace, reinstate or repair the lost or damaged items.
Exclusions applying to Luggage and Personal Money
(i) The first £50 of each and every claim per event for each Insured Person claimed for under this section (ii) Liability in excess of £500 in respect of personal money (£200 for cash) (iii) Liability in excess of £400 in respect of Valuables (iv) Liability in excess of £200 in respect of any one article or set of articles (including disc collections) (v) Loss of or damage to money and Valuables whilst unattended or in/from luggage in transit (vi) Telecommunications and motor vehicle related equipment and accessories (vii) Loss or damage to:- (a) spectacles, sunglasses, dentures, or hearing aids, dental or medical fittings (b) sports equipment and protective clothing (viii) loss or damage in the custody of an airline or other carrier recoverable from such carrier (ix) Any damage to, caused by or resulting from, fragile or perishable articles whilst in transit.
LUGGAGE DELAY
If Your entire luggage is temporarily lost or delayed in transit on the outward journey from the United Kingdom and not returned to You within 24 hours of the discovery of same We will pay You up to the Sum Insured with a payment up to £50 for each full 24 hours without luggage in respect of receipted emergency essential replacements purchased by You.
LOSS OF PASSPORT
In the event of the loss of Your passport during the Period of Insurance We will reimburse You in respect of the cost of an emergency replacement or temporary passport obtained whilst abroad including reasonable and receipted travelling expenses incurred in order to obtain same.
PERSONAL LIABILITY
We will pay You up to the Sum Insured (inclusive of legal costs and expenses) against all sums You become legally liable to pay as damages for any claim or series of claims arising from any one event or source or original cause- (a) Accidental bodily injury to or death or illness of any person (b) Accidental loss of or damage to material property, occurring during the Period of Insurance.
Exclusions
(i) The first £100 of each and every claim per event for each Insured Person claimed for under this section (ii) The ownership, possession or use of any aircraft, watercraft or mechanically propelled vehicle (iii) Loss of or damage to property belonging to or in the custody or control of You or any member of Your family or household including the ownership, possession or use of any building or land (iv) Any wilful or malicious act (v) The pursuit of any trade business or profession (vi) Bodily injury death or illness of You or any member of Your family (vii) Liability assumed under agreement (such as a hire agreement) unless such liability would have attached notwithstanding any such agreement.
PERSONAL ACCIDENT
In the event of You sustaining bodily injury arising wholly and exclusively from violent accidental external and visible means which injury shall solely and independently of any other cause result in Your death or disablement within twelve calendar months of the bodily injury, We will pay to You or in the event of death to Your legal personal representative the following percentage of the Sum Insured.
Table of Compensation
(a) Death, loss of one or more limbs or one or both eyes – 50%
(b) Permanent total disablement – 100%
Definitions
Loss of Limb: loss or severance at or above the wrist or ankle or total permanent loss of use of an entire arm or leg. Loss of sight: total or irrecoverable loss of sight which shall be considered as having occurred: a) in both eyes if Your name is added to the Register of Blind Persons on the authority of a qualified ophthalmic specialist and b) in one eye if the degree of sight remaining after correction is 3/60 or less on the Snellen scale. Permanent total disablement: bodily injury other than above which totally incapacitates You from engaging in or attending to any relevant occupation for at least twelve calendar months from the date of the injury and at the end of that time rendering You beyond hope of improvement.
Provided that: (i) the benefit payable under (a) above is reduced to £1,000 if You are under the age of 16 or over the age of 70 at the time of death or if death occurs as a result of ownership, possession or use of any mechanically propelled vehicle (ii) the total compensation in respect of each Insured Person shall not exceed the Sum Insured.
DELAYED DEPARTURE
In the event of the departure of the initial outward journey from the United Kingdom or the departure of the final return journey to the United Kingdom (excluding stopovers where You were scheduled to remain officially in transit) being delayed in excess of 12 hours due to failure or disruption of such pre-booked public transport We will compensate You with a payment of £20 after the first full 12 hours of delay and £10 for each subsequent full 12 hours of delay up to the Sum Insured.
MISSED DEPARTURE
In the event of the Insured Person unavoidably missing the pre-booked departure of the outward journey from the United Kingdom or the final return journey to the United Kingdom due to failure or disruption of pre-booked connecting public transport to reimburse the Insured Person up to the Sum Insured in respect of the cost of additional travelling expenses incurred if the Insured Person is unable to reasonably reorganise the travel plans and is as a result stranded at such final departure point.
LEGAL EXPENSES
We will pay the Insured Person up to the Sum Insured in respect of legal costs and expenses incurred in the pursuit of compensation and/or damages for personal injury or death during the Period of Insurance. It is a condition of this section that We shall have complete control over all negotiations, legal proceedings and the appointment and control of a solicitor.
Exclusions
(i) Costs or expenses incurred in pursuit of any claim against a Tour Operator, Travel Agent, Insurer or Carrier. (ii) Any claim reported more than 180 days after the commencement of the incident giving rise to such a claim. (iii) Any claim where We consider there is insufficient prospect of success in obtaining a reasonable benefit. (iv) Costs or epenses incurred prior to the acceptance of the claim by Us. (v) Any claim by one member of the Insured party against any other member of the Insured party.
GENERAL EXCLUSIONS
We shall not be liable in respect of the following:-
- ‑Any claim (a) sustained whilst suffering from alcoholism or drug addiction (b) attributable to the influence of alcohol or drugs not prescribed by a qualified Medical Practitioner (c) due to or arising out of (i) stress, anxiety or depressive conditions, suicide or attempt thereat, psychiatric illness, terminal illness, sexually transmitted disease, any deliberate exposure to danger, a criminal act (ii) engaging in winter sports (unless appropriate premium paid), mountaineering or rock climbing involving the use of ropes or guides, pot holing, racing, or any other hazardous pursuits (iii) flying other than as a passenger in a fully licensed aircraft.
- Any circumstances manifesting themselves subsequent to the date of booking the Trip but prior to the date of issue of the insurance.
- Any costs or expenses which are recoverable from any other source.
- ‑Any liability, howsoever arising, resultant from (i) the use of either faulty or inferior property or property not fulfiling its purpose (ii) the lack of provision of any service or the provision of such service not being of an appropriate standard (iii) withdrawal from service (temporary or otherwise) of a coach, an aircraft or sea vessel on the recommendation of a Port Authority, Civil Aviation Authority or of any similar body.
- ‑Any liability resulting either directly or indirectly from any supplier of travel or associated services ceasing to trade.
- ‑Any consequence of war, invasion, act of foreign enemy, act of terrorism, hostilities whether war be declared or not, civil war, riot, civil commotion or workers or other persons taking part in a labour dispute, rebellion, insurrection, military or usurped power.
- ‑Loss, destruction or damage to any property, legal liability, injury, expense or indemnity of whatsoever nature arising directly or indirectly from or contributed to by ionising radiations or contamination by radioactivity from any nuclear fuel or waste or any nuclear component of whatsoever nature.
- ‑Unless We provide cover under this insurance any other loss, damage or additional expense following on from the event for which You are claiming. Examples of such loss, damage or additional expense would be the cost of replacing locks after losing keys, cost incurred in preparing a claim or loss of earning following injury or illness.
- ‑Your travel to a country or specific area or event to which the Travel Advice Unit of the Foreign & Commonwealth Office or the World Health Organisation has advised the public not to travel.
GENERAL CONDITIONS
You must comply with the following conditions to have the full protection of Your policy.
If You do not comply with them, We may at Our option cancel the policy or refuse to deal with Your claim or reduce the amount of any claim payment.
- ‑The insurance premium is not refundable under any circumstances other than during the period as defined in the paragraph headed ‘Statutory Cancellation Rights’ on page one.
- ‑Cover for children aged under 2 is limited to Cancellation, Medical and Repatriation expenses only.
- ‑This policy does not cover any person who is not normally resident in the United Kingdom, Channel Islands or Isle of Man.
- ‑You shall take all reasonable precautions to avoid injury loss or damage.
- 5. ‑If at the time of any incident which results in a claim under this policy, there is another insurance covering the same loss, damage, expense or liability We will not pay more than Our proportional share (not applicable to Personal Accident).
- ‑(i) (a) The travel company named in this document is not a servant or agent or employee of Us (b) You shall at the time of effecting this insurance disclose to Towergate Chase Parkinson directly any facts that could affect Our decision to provide insurance to You (ii) if, after the payment of the premium and the issue of cover, but before commencement of travel, You or any other person upon whose health the Trip is dependant shall suffer from any medical condition which may affect the travel plans or may require medical intervention during the Period of Insurance then such condition shall be disclosed to Towergate Chase Parkinson immediately.
- 7. ‑On the happening of any event which may give rise to a claim You shall (a) give immediate written notice but in any event within 28 days of the date of the occurrence to Towergate Chase Parkinson (b) furnish at Your expense such reports information and proof as may reasonably be required.
- 8. ‑You are not at the time of effecting this insurance aware of any circumstances which are likely to result in a claim under this policy.
- 9. ‑All liability shall cease upon Your return to the United Kingdom or upon Your admission into medical care in the United Kingdom whichever shall be the sooner.
- ‑You and We are free to choose the law applicable to this policy. As We are based in England, We propose to apply the laws of England and Wales and by purchasing this policy You have agreed to this.
- ‑We shall be entitled at Our own expense to take any proceedings We consider reasonable in name to recover any payment made under this policy and any amount so recovered shall belong to Us.
- ‑You must not act in a fraudulent manner. If You or anyone acting for You
‑Make a claim under the policy knowing the claim to be false or frauduently exaggerated in any respect; or
‑Make a statement in support of a claim knowing the statement to be false in any respect; or
‑Submit a document in support of a claim knowing the document to be forged or false in any respect; or
‑make a claim in respect of any loss or damage caused by Your wilful act or with Your connivance.
THEN
We shall not pay the claim.
We shall not pay any other claim which has been or will be made under the policy.
We may at Our option declare the policy void.
We shall be entitled to recover from You the amount of any claim already paid under the policy.
We shall not make any return of premium.
We may inform the Police of the circumstances.
COMPLAINTS PROCEDURE
If You have cause for complaint, it is important You know We are committed to providing You with an exceptional level of service and customer care. We realise that things can go wrong and there may be occasions when You feel that We have not provided the service You expected. When this happens, We want to hear about it so that We can try to put things right.
When you contact us
Please give Us Your name and a contact telephone number.
Please quote Your policy and/or claim number, and the type of policy You hold. Please explain clearly and concisely the reason for Your complaint.
Initiating your complaint
Any enquiry or complaint You have regarding Your policy or a claim notified under Your policy, may be addressed to: The Managing Director, Towergate Chase Parkinson, P.O. Box 416, West Byfleet, Surrey KT14 7YE.
Should the matter not be resolved to Your satisifaction then please write directly to Us at the address given: Head of Customer Care, AXA Insurance UK plc, Civic Drive, Ipswich IP1 2AN, Tel: 01473 205926 Fax: 01473 205101, Email: customercare@axa-insurance.co.uk
If We have given You Our final response and You are still dissatisfied You may refer Your case to the Financial Ombudsman Service (FOS).
The FOS is an independent body that arbitrates on complaints about general insurance products. It will only consider complaints after We have provided You with written confirmation that Our complaints procedure has been exhausted.
The Ombudsman can be contacted at: Insurance Division, Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone: (0845) 080 1800 Fax: (020) 7964 1001.
This procedure will not affect Your rights in law.
FINANCIAL SERVICES COMPENSATION SCHEME (FSCS)
AXA Insurance is covered by the FSCS, which is triggered when an authorised firm goes out of business. In this unlikely event, You may be entitled to compensation from the scheme.
Compensation under the scheme for:
Compulsory insurance is covered in full.
Non compulsory insurance is protected in full for the first £2,000 and 90% of any amount above this threshold.
Full details are available at www.fscs.org.uk
Towergate Chase Parkinson is part of the Towergate Underwriting Group Ltd which is authorised and regulated by the Financial Services Authority. This insurance is underwritten by AXA Insurance UK plc. Registered in England No. 78950. Registered address:
5 Old Broad Street, London EC2N 1AD AXA Insurance UK plc is authorised and regulated by the Financial Services Authority. Towergate Chase Parkinson: Registered in England No. 4043759 Registered Office: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent, ME14 3EN
Valid for policies issued between 01/05/09 - 30/04/10 and departures prior to 31/10/10.
|
