This page allows you to download our
full policy documents,
but we have also incuded some frequently asked questions
to help you quickly understand various elements of the policy.
We are required to provide you with certain documents
as part of our regulation by the Financial Services Authority.
You should take time to read these thoroughly to ensure
you understand the cover provided.
Demand and Needs statement
Initial Disclosure Document
Policy Summary
Policy Wording
We have also included some frequently asked questions
to help understand various parts of the policy.
Q. How long can I go away for in any one trip with
the annual multi-trip policy?
A. The maximum trip length is 31days. You can travel as
many times as you like during the year so long as any individual
trip does not exceed this limit.
Q. What sports are covered by the policy?
A. The policy specifies the sports which are covered. They
are:
Archery, badminton, banana boating, baseball, basket-ball,
bowls, cricket, curling, cycling, deep-sea fishing, fell
walking, fishing, glacier walking, golf, gymnastics, heptathlon,
hiking, kite surfing, marathon running, netball, orienteering,
pony trekking, racket ball, rambling, ringos, rounders,
running, scuba diving to a depth of 30 metres (if you hold
a certificate for this or you are diving with a qualified
instructor), snorkelling, softball, squash, surfing, swimming,
table tennis, tennis, ten pin bowling, trekking, tug of
war, volley ball, wakeboarding, walking, water polo, water
skiing, windsurfing and zorbing.
Please note the policy does NOT cover for any sport which
you undertake professionally. Winter sports can be covered
if you purchase the winter sports option on our "extra"
policy.
Q. I am already travelling; can I buy a policy
from you?
A. No, we're afraid that currently we are unable to offer
policies to people who are already abroad.
Q. I am not a British citizen but I reside in Britain
permanently. Can I buy a policy?
A. Yes, you certainly can. Our policy can cover anyone who
is a British resident; this is described as a person who
has their main home in the United Kingdom and has not spent
more than six months outside the United Kingdom during the
year before your policy was issued.
These demands and needs statements aim to help you understand
what our products provide, what they are suitable for,
and what you can and cannot expect from us.
1cover Standard Travel Insurance is typically suitable
for those who wish to insure themselves when travelling
for medical emergencies, delayed departures, missed departures,
cancellation & curtailment, delayed possessions, loss
of passport, personal accident, personal liability, and
legal expenses whilst overseas.
1cover Extra Travel Insurance is typically suitable for
those who wish to insure themselves when travelling for
medical emergencies, delayed departures, missed departures,
cancellation & curtailment, delayed possessions, lost
or stolen possessions, loss of travel money and passport,
personal accident, personal liability, and legal expenses
whilst overseas.
You may already possess alternative insurance(s) for some
or all of the features and benefits provided by this product.
It is your responsibility to investigate this.
1cover Limited has not provided you with any recommendation
or advice about whether this product fulfils your specific
insurance requirements.
Download our policy documents here in either Adobe Acrobat
PDF format or text format for your convenience. Click on
the links below to open them in another window, or right
click and select Save As to save to your hard drive.
Each policy also has a summary document accompanying it
(downloadable from the link underneath the main policy
document). These explain the key points of the policies.
If you would like to download Adobe Acrobat Reader in order
to open the document, please the logo at the bottom of the
page.
Please note the RTF format files have been
ZIP compressed for size reasons. We recommend the PDF version.
