Important notice
Under the Association of British Insurers General Business Code of Practice we have to bring to your attention some of the important features of the Fogg travel insurance policy.

Insurance Policy
This contains full details of the cover provided plus the conditions and exclusions which apply to it. You must read the insurance policy carefully.

Conditions and Exclusions There are conditions and exclusions, which apply to individual sections and general conditions, exclusions and warranties, which apply to the whole policy.

Medical expenses Your policy does not provide private health treatment unless specifically approved by the emergency assistance service. You should carry an EHIC (formerly E111) or equivalent and use this at state facilities when travelling within the European Union.

Health
If you, or any other person travelling with you, have ever had treatment for any heart or circulatory condition, a stroke or high blood pressure, any breathing condition (including asthma), any type of cancer, any type of diabetes, any existing injury or other serious or re-occurring medical condition, any condition requiring long term prescribed medication or if you are receiving or awaiting investigation for any medical condition you must advise the Referral Helpline as per the policy terms to see if additional cover is available. Insurers reserve the right to impose terms. You will receive confirmation in writing of their decision.

Property Claims
These are settled on an indemnity basis - not on a “new for old” or placement cost basis.

Policy Limits
Most sections of the policy have limits on the amount the insurer will pay under that section. Some sections also include inner limits e.g. for any one item, or for valuables in total.

Policy Excesses
Claims under most sections of the policy will be subject to an excess. Where there is an excess, you will be responsible for paying the first part of the claim.

Fraud
The making of a fraudulent claim is a criminal offence. Your insurer may be recording details of claims on an anti-fraud register.

Reasonable Care
You are required to take all reasonable care to protect yourself and your property and to act as though your are not insured.

Telling Us about Relevant Facts
You must tell Insurers or ourselves before you travel about anything which may effect your cover. This information must be complete and adequate. If you are not sure whether something is relevant you should tell us anyway. You should keep a record of any information you give us. If you do not tell Insurers about something that may be relevant your cover may be refused and Insurers may not cover any related claims.

Complaints
The Insurance policy includes a Complaints Procedure which tells you what steps you can take if you wish to make a complaint.

Hazardous Holiday Activities
The policy may not cover you when you take part in certain hazardous activities e.g. paragliding.

Law
The contract will be subject to English Law unless otherwise agreed.