General Terms and Conditions for Travel Insurance
- Introduction
These general terms and conditions (the “Terms and Conditions”) apply to all travel insurance policies arranged by you as a broker (the “Broker”). The Broker is acting as an intermediary between the insured (the “Policyholder”) and the insurance company (the “Insurer”).
- Definitions
For the purposes of these Terms and Conditions, the following definitions shall apply:
- “Policyholder” means the person or entity who purchases a travel insurance policy from the Broker.
- “Insured” means the Policyholder and any other person who is covered by the Policyholder’s travel insurance policy.
- “Insurer” means the insurance company that issues the travel insurance policy.
- “Policy” means the travel insurance policy issued by the Insurer to the Policyholder.
- “Claim” means a request for payment made under the Policy.
- Scope of Cover
The scope of cover provided under the Policy will vary depending on the specific policy that is purchased. However, most travel insurance policies will provide cover for the following:
- Trip cancellation or interruption
- Baggage and personal effects
- Medical expenses
- Emergency evacuation
- Accidental death or dismemberment
- Exclusions
There are certain events and circumstances that are typically excluded from coverage under travel insurance policies. These exclusions may vary depending on the specific policy that is purchased, but some common examples include:
- Pre-existing medical conditions
- War and terrorism
- Extreme sports
- Travel to countries or regions that are under government travel advisories
- Claims Procedure
If the Insured needs to make a claim under the Policy, they must contact the Insurer as soon as possible. The Insurer will provide the Insured with instructions on how to submit a claim.
The Insured must provide the Insurer with all relevant information and documentation to support their claim. The Insurer will then investigate the claim and make a decision on whether or not to pay the claim.
If the Insurer decides to pay the claim, they will do so within a reasonable period of time.
- Broker’s Duties
The Broker has a number of duties to the Policyholder, including:
- To provide the Policyholder with accurate and up-to-date information about travel insurance policies.
- To advise the Policyholder on the best travel insurance policy for their needs.
- To arrange the purchase of a travel insurance policy for the Policyholder on the best possible terms.
- To assist the Policyholder if they need to make a claim under their policy.
- Policyholder’s Duties
The Policyholder has a number of duties to the Insurer, including:
- To provide the Insurer with accurate and complete information when purchasing a travel insurance policy.
- To pay the premium for the travel insurance policy on time.
- To comply with all the terms and conditions of the Policy.
- To cooperate with the Insurer in the investigation of any claims.
- General Conditions
These Terms and Conditions are governed by and construed in accordance with the laws of [insert country].
The Broker may amend these Terms and Conditions from time to time. Any amendments to the Terms and Conditions will be published on the Broker’s website and will come into effect on the date of publication.
If you have any questions about these Terms and Conditions, please contact the Broker.