This policy summary does not contain the full terms of your travel insurance policy, which can be found in the Policy Document
Sun 4 U Direct travel insurance is underwritten by Europ Assistance Irish Branch and administered in the United Kingdom by Europ Assistance Holdings Ltd.
This is a holiday insurance policy which is available to UK and EU residents of 6 months or more and registered with a local Doctor, and aged 85 or under at the time of issue.
The significant features and benefits for each insured person are shown in the table below. These vary according to the cover option selected.
Section of Cover |
Premier Cover |
Excess |
Economy Cover |
Excess |
| Personal Assistance |
£250 |
Nil |
£250 |
Nil |
Medical Emergency & Repatriation |
£10,000,000 |
£65 |
£10,000,000 |
£100 |
Emergency Dental Treatment |
£250 |
£65 |
£250 |
£75 |
| Hospital Daily Benefit (£25 per day) |
£800 |
Nil |
£800 |
Nil |
| Additional Accommodation & Travelling Costs |
£2,000 |
Nil |
£2,000 |
Nil |
| Cancellation, Curtailment & Trip Interruption |
£5,000 |
£65 |
£1,000 |
£75 |
ravel Delay
(£20 first 12 Hrs, £10 each Subsequent 12 Hrs)
|
£300 |
Nil
|
n/a
|
n/a
|
| Abandonment after 12 Hours |
£5000 |
£65 |
- |
- |
Hijack (£50 per day) |
£5,000 |
Nil |
£5,000 |
Nil |
UK Departure Assistance & Missed UK Connection |
£500 |
Nil |
£500 |
Nil |
Missed Departure on the Outward Journey (Europe/Worldwide) |
£500/£1000 |
Nil |
£500/£1000 |
Nil |
Personal Baggage (Optional) |
|
|
|
|
Single Item Limit |
£300 |
£65 |
£100 |
£75 |
Total Valuables |
£300 |
£65 |
£100 |
£75 |
Business Sample/ Documents |
£400 |
£65 |
n/a |
n/a |
Baggage Delay (after 12 hours)
(after 48 hours) |
£50
£100 |
Nil |
£50
£100 |
Nil |
Money & Passport
Cash (Under 18 Years) |
£500
£200 (£50) |
£65
£65 |
£250
£150 (£50) |
£75
£75 |
Personal Liability |
|
|
|
|
Personal Accident
Death |
£20, 000 |
Nil |
£5,000 |
Nil |
Loss of one or more limbs, or total irrecoverable Loss of Sight in one or both eyes |
£20, 000 |
Nil |
£10, 000 |
Nil |
Permanent Total Disablement
|
|
|
|
|
Legal Protection |
£25,000 |
Nil |
£10,000 |
Nil |
Schedule Airline Failure |
£5,000 |
£65 |
£1,000 |
£75 |
Anyone insured on this policy requiring cover should contact our medical screening service if they have:
- Been prescribed medication, received treatment, or attended consultations, investigations or follow-ups, for ANY medical or psychological conditions in the last 2 years;
- EVER been prescribed medication, received treatment or had investigations for:
- A heart attack, angina, chest pain(s), palpitations or any other heart condition
- High blood pressure, blood clots, raised cholesterol, or circulatory disease
- Any form of stroke, TIA (transient ischaemic attack), or brain haemorrhage
If necessary, please go to www.healthcheck247.com or telephone them on 0845 618 0341 to declare any existing medical conditions. If your state of health changes between now and the date of travel, you may need to declare this information if you intend to continue with your trip.
The policy also contains conditions and exclusions if you need to cancel or curtail your trip, specifically relating to close relatives or anyone you will be staying or travelling with. Please ensure you read your policy document carefully.
If your cover does not meet your requirements, you may cancel cover within 14 days of receiving your insurance document/certificate and return all your documents for a refund of your premium, provided you have not travelled, made a claim or intend to make a claim. To cancel the policy contact Sun 4 U Direct on 0844 482 1795.
To claim, telephone 0844 338 5814, and ask for a claim form or download from www.eaclaims.co.uk/CTB. You should fill in the form and send it to Europ Assistance Travel Claims, Sussex House, Perrymount Road, Haywards Heath, West Sussex, RH16 1DN with all the information and documents we ask for.
You will need to obtain some information about your claim while you are away. Please refer to the Policy Document for details.
If you are unsatisfied with any aspect of this policy or the service provided by your insurer, please write to:
The Quality Department, Europe Assistance Holdings Limited, Sussex House, Perrymount Road, Haywards Heath, West Sussex, RH16 1DN
If you are not satisfied with the final response you can refer the matter to the Financial Ombudsman Service.
For your added protection, the insurer is covered by the FSCS. You may be entitled to compensation from the scheme if it cannot meet its obligations. This depends on the type of business and the circumstances of the claim. Insurance cover is limited up to 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit.
Further information about the compensation scheme arrangements is available from the FSCS, telephone number 020 7892 7300, or by visiting their website at www.fscs.org.uk.
back to top |
