HOSPITALITY FINDER EVENT INSURANCE

Hospitality Finder are an appointed representative of Travel & General Insurance Company plc, a travel insurance specialist who is authorised and regulated by the FSA, and who have designed a policy specifically for our corporate hospitality packages.

For that extra peace of mind, Hospitality Finder can insure your corporate hospitality booking with us today simply by emailing your requirements to insurance@hospitalityfinder.co.uk.

CANCELLATION POLICY

This Policy Document contains details of the Cancellation Insurance Scheme underwritten by the International Insurance Company of Hannover Limited. (IICH). Registered in England No. 1453123. Registered Office: 1 Arlington Square, Bracknell, RG12 1WA. Authorised and regulated by the Financial Services Authority. Registration No 202640. This can be checked on the FSA’s register by visiting the FSA’s website at www.fsa.gov.uk or by contacting them on 0845 606 1234. Cover applies to each Insured Person named on the booking invoice or validation certificate. The cover and limits will apply to each Insured Person who has paid the appropriate premium.

Important

Your personal insurance number is the same as your booking invoice or validation certificate number. Please note your personal insurance number prior to travel. This Policy Document and booking invoice or validation certificate showing the Insurance Premium, inclusive of tax where applicable, is all that we will issue to you. Please ensure that you retain these original documents as you will need to submit them in the event of a claim arising.

How to make a claim

Notice must be given within 45 days of the date of occurrence of any claim under this Insurance. To notify a claim and request a claims form please contact the claims handlers:

www.csal.co.uk

Claims Settlement Agencies 308-314 London Road, Hadleigh, Essex SS7 2DD

Tel: 0844 826 2644 Fax: 0844 826 2645 Email: info@csal.co.uk

CSA is authorised and regulated by the Financial Services Authority. Their registration number 309264 can be checked on the FSA’s register by visiting the FSA’s website at www.fsa.gov.uk or by contacting them on 0845 606 1234.

General enquiries

If you have any general queries concerning this Insurance, or if there is anything you do not understand, please contact the Insurance Brokers who arrange the scheme: Travel & General Insurance Services Limited. Telephone 0845 408 0583. Travel & General Insurance Services Limited are authorised and regulated by the Financial Services Authority. Their registration number can be checked on the FSA’s register by visiting the FSA’s website at www.fsa.gov.uk/register or by contacting them on 0845 606 1234.

The Insured Person and the Insurer are free to choose the law applicable to this Policy. As the Insurer is based in England, they propose to apply the laws of England and Wales and having read and understood the terms and conditions of this policy the Insured Person has agreed to this.

Complaints Procedure

Any enquiry or complaint should be addressed in the first instance to: The General Manager, Claims Settlement Agencies, 308-314 London Road, Hadleigh, Essex SS7 2DD. Should you require an independent review of your complaint or enquiry please subsequently contact The Customer Care Department, Campbell Irvine Limited, 48 Earls Court Road, Kensington, London W8 6EJ. If you have been given a final response and you are still dissatisfied with the outcome you may refer your case to the Financial Ombudsman Service (FOS). The FOS is an independent body that arbitrates on complaints about general insurance products. It will only consider complaints after you have been provided with written confirmation that the Insurer's internal complaints procedure has been exhausted.

The Ombudsman can be contacted at:

Insurance Division, Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR

Tel: 0845 080 1800

Fax: 020 7964 1001

Referral to the FOS will not affect your right to take legal action. Please note that you have six months from the date of the Insurer’s final response in which to refer your complaint to the Ombudsman. Referral to the Ombudsman will not affect your right to take legal action.

Financial Services Compensation Scheme (FSCS)

IICH is covered by the FSCS, which is triggered when an authorised firm goes out of business. In this unlikely event you may be entitled to compensation from the scheme.

Compensation under the scheme for: Insurance advising and arranging is covered for 90% of the claim without an upper limit. Full details are available at www.FSCS.org.uk

Period of Insurance

Cancellation starts from the issue date of the booking invoice or validation certificate and ends when the Insured Person arrives and enters the event.

Data Protection

This insurance is underwritten by IICH. To set up and administer your insurance policy they will hold and use information about you supplied by you and by medical providers. They may also send it in confidence for processing to other companies in the IICH group (or companies acting on their instructions) including those located outside the European Economic Area.

Definitions

Any word or expression to which a specific meaning has been attached will bear the same meaning throughout this policy document. For ease of reading the definitions are highlighted by the use of bold print and will start with a capital letter.

Close Relative

Means mother, father, sister, brother, wife, husband, partner (including common law and civil partnerships), son, daughter (including fostered/adopted), grandparent, grandchild, parent in law, son in law, daughter in law, brother in law, sister in law, step parent, step child, step sister, step brother or legal guardian.

Dependent Business Partner

Means a person in the same employ as you whose absence from work necessitates your presence.

Insured Person

Means any person named on the booking invoice.

Irrecoverable Payments and Charges

The cost of tickets and any other amount that is not refundable from the event organiser or their suppliers.

Medical Condition

Means any disease, illness or injury.

Medical Practitioner

Means a registered practicing member of the medical profession who is not related to the Insured Person or any person with whom they are attending the event.

Policy Excess

Means the amount of any claim that you have to pay before any payment is made to you.

Pre-existing Medical Condition

Means

a) Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy, allergy, or cancer for which you (or any other person not necessarily travelling but upon whom travel depends such as a Close Relative) have ever received treatment (including surgery, tests or investigations by your doctor or a consultant/specialist or prescribed drugs/medication).

b) Any Medical Condition for which you (or any other person not necessarily travelling but upon whom travel depends such as a Close Relative) have received surgery, inpatient treatment or investigations in a hospital or clinic within the last twelve months or are taking prescribed drugs/medication.

Terrorism

Means an act, including but not limited to, the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on the behalf of or in connection with any organisation(s) or Governments, committed for political, religious, ideological or similar purposes including the intention to influence any Government and/or to put the public, or any of the public, in fear.

Conditions

The Insured Person must comply with all the terms and conditions stated in this policy document to have the full protection of their policy. If the Insured Person does not comply the Insurer may at their option cancel the policy or refuse to deal with their claim or reduce the amount of any claim payment.

General Conditions

The event for which this insurance is effected is not booked or commenced by an Insured Person either (a) contrary to medical advice, or (b) suffering from any Medical Condition or symptoms which, are awaiting or receiving investigation, treatment, tests, referral, or review or the results of any of the foregoing.

Cooling off Period

The Insured Person may cancel this policy within 14 days of the date of receipt of the policy document by writing to us during the 14 day cooling off period. Any premium paid will be refunded in full so long as no period of travel has started. If the Insured
Person elects to cancel this policy after the first 14 days receipt of the policy documentation no premium refund will be made.

Fraudulent Claims

The Insured Person must not act in a fraudulent manner. If the Insured Person or anyone acting for them:

• Make a claim under the policy knowing the claim to be false or fraudulently exaggerated in any respect; or
• Make a statement in support of a claim knowing the statement to be false in any respect; or
• Submit a document in support of a claim knowing the document to be forged or false in any respect; or
• Make a claim in respect of any loss or damage caused by their willful act or with their connivance

Then:

• The Insurer shall not pay the claim
• The Insurer shall not pay any other claim which has been made under the policy.
• The Insurer may at their option declare the policy void.
• The Insurer shall be entitled to recover from the Insured Person the amount of any claim already paid under the policy since the last renewal date.
• The Insurer shall not make any return premiums.
• The Insurer may inform the Police of the circumstances.

Documentation

All certificates, information and evidence required by the Insurer shall be furnished at the expense of the Insured Person or his legal personal representatives and shall be in such form and of such nature as the Insurer may prescribe. The Insured Person shall as often as required submit to medical examination on behalf of the Insurer at their own expense and in the event of death of the Insured Person the Insurer shall be entitled to have a post-mortem examination at their own expense.

Duplicate Insurance

If at the time of loss there is another insurance against such loss or damage or any part thereof the Insurer shall be liable under this Insurance for its proportionate share only of such loss or damage.

Subrogation

The Insurer is entitled to take over any rights in the defence or settlement of any claim and to take proceedings in the Insured Person’s name for the Insurer’s benefit against any other party.

General Exclusions

Policy Excess

Each and every loss, each claim, each insured person is subject to a nil excess.

The Insurer shall not be liable for any claim arising out of:

1. Any form of stress or anxiety. Depression or any other mental or nervous disorder unless investigated and diagnosed by a Hospital Consultant.
2. Any willfully self inflicted injury or illness, insanity, suicide or attempted suicide, sexually transmitted diseases, solvent abuse, the use of drugs (other than medically prescribed) and the effects of alcohol.
3. The Insured Person’s participation in any criminal or illegal acts
4. Any consequence of any act of war, invasion, act of foreign enemy, hostilities (whether declared or not), civil war, civil commotion, rebellion, revolution, insurrection, military force, any act of Terrorism where you are actively engaged and/or where you have travelled and/or You remain contrary to Foreign & Commonwealth Office travel advice.
5. The utilisation of nuclear, chemical or biological weapons of mass destruction. For the purposes of this exclusion; Utilisation of nuclear weapons of mass destruction means the emission, discharge, dispersal, release or escape of fissile material emitting a level of radioactivity capable of causing incapacitating disablement or death amongst people or animals. Utilisation of chemical weapons of mass destruction means the emission, discharge, dispersal, release or escape of any solid, liquid or gaseous chemical compound which, when suitably distributed, is capable of causing incapacitating disablement or death amongst people or animals. Utilisation of biological weapons of mass destruction means the emission, discharge, dispersal, release or escape of any pathogenic (disease producing) micro-organism(s) and/or biologically produced toxin(s) (including genetically modified organisms and chemically synthesised toxins) which are capable of causing incapacitating disablement or death amongst people or animals. Radioactive contamination of any description however caused.
6. The failure or fear of failure or inability of any equipment or any computer programme, whether or not owned by an Insured Person, to recognise or to interpret correctly or process any date as its true calendar date, or to continue to function correctly beyond that date.
7. Unless the Insurer provides cover under this insurance, any other loss, damage or additional expenses following on from the event for which the Insured Person is claiming. Examples of such loss, damage, or additional expense would be the cost of replacing locks after losing keys, costs incurred of preparing a claim, or loss of earnings following Bodily Injury or illness.
8. The Insured Person will not be covered for any claims arising directly or indirectly from any Pre-existing Medical Condition.
9. Any Insured Person’s travel to a country, specific area or event to which the Travel Advice unit of the British Foreign and Commonwealth Office or the World Health Organisation has advised all, or all but essential travel, unless agreed by the Insurer.

Cancellation

Up to £1,000

Unless the appropriate additional top up premium has been paid and is shown on your booking invoice.

Should an Insured Person necessarily have to cancel the event before commencement as a result of:

1. the death, accidental bodily injury, illness, compulsory quarantine, redundancy that qualifies for payment under current redundancy legislation, cancellation of leave for British forces, Police or government security staff, summoning to jury service or witness attendance in a court of an Insured Person or insured traveling companion.
2. the death, serious injury or illness of a Close Relative, or the person with whom the Insured Person intends to be at the event with, or Dependant Business Partner of the Insured Person or insured travelling companion which necessitates the presence of the person concerned.
3. Hi-jack.
4. adverse weather conditions making it impossible for an Insured Person to travel to the event.
5. major damage or burglary at the Insured Person's home or place of business which at the request of an emergency service requires their presence.
6. cancellation, abandonment or postponement of the entire event during the Period of Insurance due to; adverse weather, Terrorism, Government / local authority advice.
7. a delay of more than 3 hours arising from a mechanical breakdown of the scheduled public transport or an accident to the motor vehicle the Insured Person is travelling in to the event.

The Insurer will pay for Cancellation prior to departure any Irrecoverable Payments and Charges (whether paid or contracted to be paid) for travel, accommodation, tours or excursions up to the Sum Insured, for any of the above reasons.

Cancellation Exclusions

The Insurer shall not pay for any claim:

1. Arising from travel against any health requirements stipulated by the carrier, their handling agents or any other public transport provider.
2. Arising from a Pre-existing Medical Condition.
3. Arising from being unable to continue the event due to your failure to obtain the passport or visa you require for the event.
4. Arising from a disinclination to travel or attend the event.
5. Financial failure of the event organisers or suppliers.
6. Abandonment by the Insured Person after initial access to the event has been commenced.
7. Religious, court or national mourning whether declared or not, as a result of the death of a member of the Royal family or head of state.
8. Any circumstances known to exist prior to the commencement date of this insurance.
9. Any claims not supported with written confirmation of the date the event was cancelled or postponed as provided by the event organisers.
10. Arising from the non-appearance of an individual performer, player or participant.
11. Arising from the breakdown of the scheduled public transport or an accident to the motor vehicle not supported by a police or other independent verifiable report.

Claims

If you need a claim form call Claims Settlement Agencies quoting reference: tagisHF11

Tel: 0844 826 2644

Email: info@csal.co.uk