Definitions A
- Means cash or travellers cheques which are yours (if you are self employed) or your employers.
Business money
- Means any person whose absence from business for one or more complete days at the same time as your absence prevents the proper continuation of that business.
Close business associate
- Means one adult and any number of his or her children, step children or foster children aged under 18 (or aged under 23 if in full time education), accompanying the parent insured on the same policy, travelling on any trip to the same destination. For annual multi trip cover, the adult named on the policy is able to travel independently as are the children if parental permission has been granted.
Single parent cover
- Means up to two adults and any number of their children, step children or foster children aged under 18 (or aged under 23 if in full time further education), accompanying the parents or legal guardian insured on the same policy travelling on any trip to the same destination. For annual multi trip cover, either adult named on the policy is able to travel independently as are the children if parental permission has been granted.
Family cover
What does the word "SELECT" mean when visible in a policy?
It means that the customer had declared a pre-existing medical condition.
- Means luggage, clothing, personal effects and other articles (but excluding valuables, business equipment, ski equipment, golf equipment, personal money and documents of any kind) which belong to you (or for which you are legally responsible) which are worn, used or carried by you during any trip or one-way trip.
Baggage
- Means rain, wind, fog, thunder or lightning storm, flood, snow, sleet, hail, hurricane, cyclone, tornado or tropical storm which is not caused by or has not originated from a geological or catastrophic event such as but not limited to an earthquake, volcano or tsunami.
Adverse Weather Conditions
- Means bank notes, currency notes and coins in current use, travellers’ and other cheques, postal or money orders, pre-paid coupons or vouchers, travel tickets, event and entertainment tickets, phonecards, money cards and credit/debit or pre-pay charge cards all held for private purposes.
Personal money
- Means any publicly licensed aircraft, sea vessel, train, coach or bus on which you are booked or had planned to travel.
Public transport
What is the first condition a customer must meet to be able to claim under an annual multitrip policy?
The trip must start and finish in the UK.
Means for residents of the United Kingdom excluding Channel Islands and the Isle of Man, your home area means the United Kingdom excluding Channel Islands and the Isle of Man. For residents of the Channel Islands and the Isle of Man, your home area means either the Channel Islands or the Isle of Man depending on where your home is.
Home area
Means either: a. Abandoning or cutting short the trip by direct early return to your home area, in which case claims will be calculated from the day you returned to your home area and based on the number of complete days of your trip you have not used. b. By attending a hospital outside your home area as an inpatient or being confined to your accommodation abroad due to compulsory quarantine or on the orders of a medical practitioner, in either case for a period in excess of 48 hours. Claims will be calculated from the day the ill/injured person was admitted to hospital or confined to your accommodation and based on the number of complete days for which you were hospitalised, quarantined or confined to your accommodation. Cover only applies to ill/injured persons.
Curtailment / Curtail / Curtailed
- Means the following unforeseen complications of pregnancy as certified by a medical practitioner: toxaemia; gestational hypertension; pre-eclampsia; ectopic pregnancy; hydatidiform mole (molar pregnancy); hyperemesis gravidarum; ante partum haemorrhage; placental abruption; placenta praevia; post-partum haemorrhage; retained placenta membrane; miscarriage; stillbirths; medically necessary emergency Caesarean sections/ medically necessary termination; and any premature births or threatened early labour more than 8 weeks (or 16 weeks in the case of a multiple pregnancy) prior to the expected delivery date.
Complication of Pregnancy
- Means an identifiable physical injury caused by sudden, unexpected, external and visible means including injury as a result of unavoidable exposure to the elements.
Bodily injury
Please mention the tiers available for Coverwise policies.
Standard
Standard Plus
Bronze
Silver
Silver Plus
Gold
Platinum
- Means the amount paid for a medical service in a geographic area based on what providers in the area usually charge for the same or similar medical service.
Usual, customary and reasonable
- Means England, Scotland, Wales, Northern Ireland, the Isle of Man and the Channel Islands.
United Kingdom
- Means a close relative, close business associate, a person you have booked to travel with, a relative or friend with whom you plan to stay.
Third party
- Means mother, father, sister, brother, wife, husband, civil partner, daughter, son, grandparent, grandchild, parent-in-law, son-in-law, daughter-in-law, sister-in-law, brother-in-law, step parent, step child, step sister, step brother, foster child, legal guardian, domestic partner or fiancé/fiancée.
Close relative
What does CWSD stands for?
Business as usual for Coverwise and Southdowns products.
- Means when you are not in full view of and not in a position to prevent unauthorised interference with your property or vehicle.
Unattended
- Means any holiday, business or pleasure trip or journey made by you within the area of travel shown in the schedule which begins and ends in your home area or place of business during the period of insurance, but excluding one-way trips or journeys. However any trip that had already begun when you purchased this insurance will not be covered, except where this policy replaces or you renew an existing annual Coverwise multi trip policy which fell due for renewal during the trip. If annual multi trip cover is selected any trip not exceeding 31 days is covered, but limited to 17 days per trip for winter sports (provided you have paid the appropriate winter sports premium to include this cover). If any trip exceeds 31 days there is absolutely no cover under this policy for that trip (not even for the first 31 days of the trip), unless you have contacted us and we have agreed in writing to provide cover. In addition, any trip solely within your home area is only covered where you have pre-booked at least one nights accommodation in a hotel, motel, holiday camp, bed and breakfast, holiday cottage or similar accommodation rented for a fee. Each trip under annual multi trip cover is considered to be a separate insurance, with the terms, definitions, What is not covered and conditions contained in this policy applying to each trip.
Trip
- Means if annual multi trip cover is selected: the period of 12 months for which we have accepted the premium as stated in the schedule. During this period any trip not exceeding 31 days is covered, but limited to 17 days per trip for winter sports (provided you have paid the appropriate winter sports premium to include this cover). Under these policies Section A - Cancellation cover will be operative from the date stated in the schedule or the time of booking any trip (whichever is the later date) and terminates on commencement of any trip. - Means if single trip cover is selected: the period of the trip and terminating upon its completion, but not in any case exceeding the period shown in the schedule. Under these policies Section A - Cancellation cover will be operative from the time you pay the premium. For all other sections of the policy, whichever cover is selected, the insurance starts when you leave your home or for a business trip your place of business (whichever is the later) to start the trip and ends at the time of your return to your home or place of business (whichever is the earlier) on completion of the trip. However any trip that had already begun when you purchased this insurance will not be covered, except where this policy replaces or you renew an existing annual Coverwise multi trip policy which fell due for renewal during the trip. The period of insurance is automatically extended for the period of the delay in the event that your return to your home area is unavoidably delayed due to an event insured by this policy.
Period of insurance
- Means: i. Any medical condition which falls into any of the following categories which you have, or have had for which you have ever received treatment (including surgery, tests or investigations by your doctor or a consultant/specialist and prescribed drugs or medication): • Cardiovascular condition (any condition relating to the heart, arteries, veins or blood pressure) • Respiratory condition (relating to the lungs or breathing) • Stroke • Cancer • Crohn’s disease • Epilepsy • High cholesterol • Diabetes ii. Any medical condition for which you have taken or been prescribed medication (including repeat prescriptions) or for which you have received, or are waiting to receive, treatment (including surgery, tests or investigations) within the last 2 years.
Pre-existing medical condition(s)
Please mention the additional coverages offered by CWSD
Winter Sports
Gadget Cover
Travel Disruption