SECTION 1 - PERSONAL ACCIDENT

What you are covered for:

Bodily injury caused solely and directly by accidental external and visible means resulting in your death, loss of limbs or eyes or permanent disability during your journey.

We will pay one of the following benefits:

1.    Death.	US$25,000
2.    Permanent and total loss of sight in one or both eyes or total and permanent loss of use of one or both hands or feet.	US$25,000
3.    Permanent total disablement from engaging in paid work which occurs within 12 months of the accident.	US$25,000
4.    Temporary total disablement from engaging in your full time paid work up to a maximum period of 52 weeks whilst remaining in full time employment.	US$120 per week

What you are not covered for:

1.    More than US$1,200 when you are under 16 years of age at the start of your journey.

2.    More than US$5,000 when you are under 16 years of age at the start of your journey.

3.    More than US$5,000 when you are under 16 years of age at the start of your journey.

We will not pay more than one of the benefits resulting from the same injury under benefits 1, 2 and 3 above.

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SECTION 2 - EMERGENCY MEDICAL & ASSOCIATED BENEFITS

Note: If you are taken into hospital, the emergency assistance company must be told immediately (see “24 Hour Emergency Service” for details)

What you are covered for:

We will pay you or your legal representative for the following  necessary  and reasonable emergency expenses which you incur within 12 months of the incident.

1. Outside your country of residence.

a) Up to US$5,000,000 for reasonable fees or charges you incur for:

i) Medical, surgical, hospital, nursing home or nursing services, and transportation charges for sending you to hospital.

ii) Additional transport and accommodation costs for you and any one other person who stays or travels with you or to you from your country of residence.

      iii) Transporting your body to your country of origin.

iv) Your burial or cremation in the place where you die as long as this is outside your country of origin up to US$3,000, plus the cost of transporting your ashes back to your country of origin.

b) Up to US$20 per day for necessary taxi fares incurred in travelling to or from hospital whilst abroad. Up to a maximum of US$200 in total under this certificate.

c) US$20 for each 24 hour period that you are in hospital as an in-patient during your holiday up to US$500 in total in addition to fees or charges paid under 1a) above.

d) Up to US$300 for emergency dental treatment to alleviate sudden pain only.

What you are not covered for:

Claims arising from a medical condition for which medication advice or treatment has been received within 12 months prior to the date of issue of this insurance.

The cost of replacing any medication you were prescribed before you began your journey. Expenses incurred 12 months from the date of illness or accident.

Anything caused by:

Pregnancy or childbirth if you are more than 28 weeks pregnant.

1(a)i) Services or treatment you receive within your country of residence.

Services or treatment received by you including any form of cosmetic surgery or treatment which in the opinion of the doctor in attendance and the emergency assistance company can wait until you return home.

 

In-patient treatment which the emergency assistance company has not authorised.

 

The extra costs of having a single or private room in a hospital or nursing home.

 

The cost of treatment which is not directly related to the injury or illness that caused the claim.

The cost of replacing or repairing false teeth or dental work involving the use of precious metals.

 

The excess detailed in the summary of the sums insured.

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SECTION 3 - PERSONAL POSSESSIONS & MONEY

 

What you are covered for:

 

1. Up to US$3,500 in total for the repair of your personal possessions that are damaged or the replacement cost of items, less an amount for wear, tear and loss of value if they are stolen, lost or destroyed on your journey.

2. Up to US$150 in total for essential replacement items if your personal possessions are lost, stolen or misplaced on your outward journey for more than 12 hours from when you arrive at your destination. Receipts for all items purchased must be sent to us.  We will deduct any amount we pay from the final claim settlement if the items are permanently lost or stolen.

3. Up to US$300 towards the cost of replacing your passport if it is stolen, lost or destroyed on your journey.

4. Up to US$750 (US$300 when your age is under 16 years) for loss or theft of your personal money while on your journey.

 

What you are not covered for:

 

1. More than US$500 for any single article pair or set of any kind or more than US$750 for valuables in total, whether jointly owned or not.

 

Loss or theft of/or damage to:

 

·          Perishable goods, bottles, cartons or any damage caused by these items or their contents.

·          Pedal cycles, wheelchairs, prams, pushchairs or baby buggies other than while they are being conveyed by Public Transport.

·          Property specifically covered by other insurance.

·          Valuables carried in suitcases, trunks or similar containers unless they are with you at all times.

·          Valuables unless they are with you at all times or locked in your holiday or journey accommodation.

·          Contact or corneal lenses, sunglasses, spectacles, dentures or mobile phones, samples or merchandise or property used in connection with your business or trade.

·          Bonds, certificates, guarantees or documents of any kind.

·          Personal possessions left unattended away from your personal holiday or journey accommodation other than personal possessions (but not valuables) in the locked boot or covered luggage area of a motor vehicle following forcible and violent entry.

·          Valuables left in a motor vehicle.

·          Breakage of or damage to fragile articles, audio, video, computer and television equipment, musical instruments, sculptures, household goods unless such breakage or damage is caused by fire or accident to the vehicle in which they are being carried.

·          Loss or damage due to atmospheric or climatic conditions, wear, tear, moth or vermin.

2. More than US$300 (US$100 when your age is under 16 years) in cash in total while on your person whether jointly owned or not.

 

Loss or theft of personal money:

 

·          Unless it is in your possession, or locked in a safe or safety deposit box where available or locked in your personal holiday or journey accommodation.

·          Not reported to the police within 24 hours of the discovery of the loss and a written report is obtained.

·          Loss caused by a reduction in exchange rates or shortage caused by mistakes in exchanging currency.

·          Loss or theft of travellers cheques not immediately reported to the local Bank or agent of the supplier in accordance with their instructions.

·          The excess detailed in the summary of the sums insured.

 

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SECTION 4 - CANCELLATION OR CURTAILMENT CHARGES

What you are covered for:

Up to US$5,000 in total for loss of personal accommodation, transport charges and extra travel expenses you have paid or are contracted to pay which you cannot recover from anywhere else following:

1. Necessary and unavoidable cancellation of your journey before it begins due to something outside of your control and which happens after you buy the certificate.

2. You cut short (curtail) your journey because of:

   a) The death, injury or illness of you, a close member of your family, someone you are travelling with, a close business associate who lives in your country of residence.

   b) Your journey is cut short  (curtailed) because you are injured or ill and are in hospital for the remainder of your journey.

What you are not covered for:

Anything caused by:

·          Claims arising from a medical condition for which medication advice or treatment has been received within 12 months prior to the date of issue of this insurance.

·          You not having the correct passport or visa.

·          Legal restrictions of any country or any persons enforcing them.

·          Default of any transport or accommodation provider, their agent, any person acting for you or your conference organisers.

·          Theft or mechanical failure of your vehicle.

·          Unemployment other than that caused by redundancy which is notified to you after you buy the certificate.

·          Your disinclination to travel or lack of enjoyment of your journey.

·          Cancellation or restriction of activities at your journey destination.

·          Riot, civil commotion, strike or lockout.

·          Death, injury or illness of any pets or animals.

·          Financial circumstances or financial failure of any kind.

1. Cancellation due to pregnancy or childbirth where the pregnancy would have been more than 28 weeks at the beginning of your journey (unless it was confirmed after you bought the certificate). Only for single trip policies.

2. Cutting short (curtailing) your journey due to pregnancy or childbirth where the pregnancy is more than 28 weeks.

Any event which is the result of you not getting a medical certificate from the doctor that treats you in the locality where you were staying stating  it  was necessary for you to return home early because of death, injury or illness.

Any unused portion of your original travel ticket you were unable to use where repatriation has occurred.

Anything caused by you taking part in a hazardous activity  (unless you have paid an extra premium for this cover).

The excess detailed in the summary of the sums insured.

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What you are covered for:

Up to US$1,000,000 which you are legally liable to pay that relate to an event caused by you during the period of your journey which results in:

1. Injury, illness or disease of any person.

2. Loss of or damage to property that does not belong to or is not looked after or is not under the control of you or any member of your family.

3. Loss of or damage to your temporary holiday or journey accommodation that does not belong to you or any member of your family.

What you are not covered for:

Any liability for loss of or damage to property or injury, illness or disease:

·          Which you are covered for by any other insurance.

·          Suffered by anyone employed by you or any member of your family and is caused by the work they are employed to do.

·          Which is caused by something you deliberately did or did not do.

·          Which is caused by your or that of any member of your family’s employment.

·          Which is caused by any animal you own, look after or control.

·          Assumed by you by agreement which would not have attached in the absence of such agreement.

·          Suffered by you or any member of your family.

Compensation or other costs caused by accidents arising from your ownership or possession or use of any:

Land or building, except for your temporary holiday or journey accommodation, motorised or mechanical vehicle and any trailer attached to them, aircraft, motorised water craft, sailing vessel or windsurfing board.

The excess detailed in the summary of the sums insured.

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SECTION 7 - HI-JACK

What you are covered

Up to US$150 for each 24 hour period that you are prevented from completing your journey due to the aircraft in which you are travelling being hi-jacked up to a maximum of US$7,500 in total.

What you are not covered for:

Any claim where you do not produce written independent evidence of the hijacking.

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SECTION 8 - DEPARTURE DELAY

What you are covered for:

1. Compensation if the flight, or sailing you are booked on is delayed at its departure airport or port, by more than 12 hours from the time shown in your travel documents of either:

   a) US$20 after the first full 12 hours delay and US$10 after each subsequent full 12 hours delay up to US$100 in total: or

   b) Up to US$5,000 for the cost of the journey if, after you have been delayed for more than 12 hours, you decide to abandon your journey before you leave your country of residence.

2. Compensation up to US$1,000 for the cost of extra accommodation and transport you have paid to get to your destination or back home because you do not get to the departure airport, or port by the time shown on your travel documents because of either;

   a) the failure of the public transport scheduled service or

   b) accidental or mechanical failure of the motor vehicle in which you are travelling.

What you are not covered for:

1. Anything which is the result of your failure to check in at the departure airport or port according to the travel documents given to you.

Delays arising from scheduled refuelling stops on route during your journey.

Missed Connections.

 

2. Compensation, unless you have written confirmation from the carrier showing the scheduled departure time and actual departure time of the flight or sailing.

Compensation, for the cost of the journey without written confirmation from the Tour Operator, transportation company or accommodation provider showing the amounts paid and the amounts not recoverable.

Any delay caused by a strike or industrial action which began or was announced before you bought the insurance.

 

3. Failure of scheduled public services caused by strike or industrial action which began or was announced before you left home.

The excess detailed in the summary of the sums insured.

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SECTION 9 - LEGAL EXPENSES

What you are covered for:

We will pay legal costs and expenses incurred by You or Your legal representative taking legal proceedings for compensation and/or damages arising from Your bodily injury or death during the period of the trip up to the maximum stated in the schedule.

Provided that:

1. We will have complete control over the legal proceedings and the appointment and control of a lawyer

2. You must follow the legal representatives advice and provide any information and assistance required. Failure to do so will entitle Us to withdraw cover

3. We must have access to any and all the legal representatives file of papers

4. We may include a claim for our costs and expenses

5. Your failure to comply with all or any of these conditions will entitle Us to render the legal expenses aspect of the Certificate void and thereby withdraw cover

 

What you are not covered for:

1. We will not pay:

   a) Costs incurred in pursuance of any claim against a travel agent, tour operator, carrier, accommodation provider, Underwriter or Underwriting Agent or any other person insured under the same Certificate, or family member.

   b) Legal expenses incurred prior to the granting of support by Us, or the granting of an award.

   c) Any claims reported more than 130 days after the commencement of the incident giving rise to such claim.

   d) Any claim where the laws, practices, and/or financial regulations of the country in which the proposed action will take place indicate that the costs of such action are likely to be unreasonably  greater than the anticipated value of the compensation award.

   e) Costs incurred in pursuance of a claim against any person with whom You had arranged to travel.

   f) Any claim where You are insured for legal expenses under any other insurance Certificate.

   g) Any claim where in our opinion there is insufficient prospect of success in obtaining a reasonable benefit. 

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INSURANCE BENEFITS

Summary of Sums Insured Per Person

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SECTION	UP TO	EXCESS
1. Personal Accident:
·  Death	US$ 25,000	Nil
·  Loss of eye(s) or limb(s)	US$ 25,000	Nil
·  Permanent Total Disablement	US$ 25,000	Nil
·  Temporary Total Disablement up to maximum of 52 weeks	US$ 120 per week	Nil
2. Emergency Medical and Other Expenses:
·  Or medical expenses and additional Transport and accommodation expenses	US$ 5,000,000	US$ 50
Hospital In-Patient Benefit:    US$20 for each full 24 hour period	US$ 500	Nil
3. Personal Possessions & Personal Money:
·  Personal Possessions:	US$ 3,500	US$ 50
- Single Article Limit US$ 500
- Valuables Limit US$ 750 in total
·  Delayed Personal Possessions:	US$ 800
- After 12 hours   US$ 200		Nil
- Each subsequent full 12 hour delay us$100
·  Passport Indemnity	US$ 300	US$ 50
·  Personal Money	US$ 750	US$ 50
4. Cancellation or Curtailment Charges:	US$ 5,000	US$ 50
- Loss of Deposit		US$ 10
5. Interruption of Travel Services:	US$ 300	Nil
6. Personal Liability:	US$ 1,000,000	US$ 50
7. Hijack	US$ 1,500	Nil
- US$20 for each full 24 hour period
8. Departure Delay	US$ 100	Nil
- After 12 hours delay US$20
- Each subsequent full 12 hour delay US$10
·  Missed Departure	US$ 1,000	US$ 50
·  Departure Delay Cancellation	US$ 5,000	US$ 50
9. Legal Expenses	US$ 15,000	Nil

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GEOGRAPHICAL AREAS

Area 1      -     Worldwide, excluding the United States of America & Canada

Area 2      -     Worldwide including the United States of America & Canada

EXCESSES

Excesses apply to some sections of cover (see Summary of Insurance Benefits). This means that we take off the amount of the excess for each Person Insured for each incident and for each claim made.

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HOW YOUR CERTIFICATE OF COVER OPERATES

Your travel insurance certificate is a contract between us and you. We will pay for any claim you make which is covered by this insurance that happens during the period of cover.

The cover for cancellation described in Section 4 starts from the date you buy the cover and ends at the start of your journey. The cover for all other sections start at the beginning of your journey and finishes at the end of your journey.

If you or anyone travelling with you cannot finish their journey as planned because they die, fall ill, are injured or there is a delay that cannot be avoided to the public transport system, we will extend your cover free of charge until you can reasonably finish your journey.

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GCC 3/03

DEFINITION OF WORDS

Throughout this certificate wording, the words and phrases listed below have the meaning given next to them.

Person-Insured/You/Your - each person named on the premium receipt as being covered by this certificate.

We/Our/Us - certain underwriters at Lloyds of London.

Resident - a person who has  their  current  home in  or  begins  their journey from and  returns  to  one  of  the following countries; Kuwait, Oman, Qatar, Saudi Arabia and United Arab Emirates.

Family - husband, wife, sons and daughters.

Relative - husband, wife, sons, daughters and husband’s and wife’s parents.

Country of Residence - one of the following countries you were living in at the time  you began your journey: Kuwait,  Oman,  Qatar,  Saudi Arabia and United Arab Emirates.

Home - your usual place of residence in your country of residence.

Country of Origin - the country in which you were born, live or would be paying taxes if you were not living in your Country of Residence.

Personal Possessions - each of your suitcases, trunks and similar containers (including their contents and any article worn or carried by you including your valuables and passport).

Valuables - items made of precious metals or precious stones, jewellery, watches, furs, and any kind of photographic apparatus, binoculars, telescopes, computer games, audio, video, computer, television, fax,  phone,  portable  satellite  equipment,  films,  tapes,  cassettes, compact or computer discs or cartridges and any other electrical goods.

Personal Money - cash, cheques, postal and money orders, current postage stamps, coupons, and vouchers which have a monetary value and travel tickets all held for your private purposes and not for business purposes.

Hazardous Activity - any kind of racing (except racing on foot) any sporting activity except the following: winter sports and scuba diving when you have paid the extra premiums for these covers, surface water sports (but not white water canoeing and rafting),  golf,  fell  walking,  fishing,  rambling,  tennis, badminton, squash, bowls, archery or beach games. (14 days Winter Sports included in Annual Multi-Trip policies without extra premium)

Winter Sports - skiing, snow boarding and ice skating.

Scuba Diving - diving with air bottles to a depth of no more than 30 meters.

Journey - a holiday or trip that takes place during the period of cover and begins when you leave your home and ends when you return home or to a hospital or nursing  home  in  your  country of residence. Any subsequent holiday or trip after you get back home is not covered unless you have taken the multi-trip insurance.

US$ - denotes US Dollar wherever it appears throughout this Certificate.

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GENERAL CONDITIONS

We will act in good faith in all of our dealings with you.

We will only pay your claim if you meet the following conditions.

1. You are a resident  (as defined) and not more than 65 years of age at the time you bought this certificate.

2. You take reasonable care to protect yourself and your property against accident, injury, illness, loss, or damage.

3. You produce a valid premium receipt before a claim is accepted.

4. You write to us as soon as possible with full details of any incident which may result in a claim.

5. You send us every writ, summons, legal process or other communication to do with a claim as soon as you get it.

6. You give us all the information and documents we need (including where necessary, medical certification and details of your household insurance) at your own expense.

7. You do not admit liability or offer to pay any claim without our written consent.

8. You accept that we will not extend the period of cover for a single trip policy if the original certificate plus any extensions have either expired, been in force for more than 12 months or you know you will be making a claim.

9. You accept that no alterations to the printed terms and conditions of the certificate shall be valid unless we confirm them in writing.

10. You must keep all your tickets and luggage tags. If something is lost or stolen you must tell the police as soon as possible but within 24 hours of discovering the loss and get a report from them. If the loss or theft occurs while you are travelling, you must tell the carrier and get a Property Irregularity Report (P.I.R.) form or similar form from them.

11. You must comply with the carriers conditions of carriage.

12. You must not abandon any property to us.

13. We shall pay any claim under this insurance according to English Law. Any legal disputes shall be dealt with by the English courts unless the parties agree to an alternative foreign court of competent jurisdiction which shall in any event apply English law.

The following Conditions and Exclusions apply to Sections 2 and 4

14. If you have or have had an ongoing medical condition for which you have received or are receiving treatment or medication you must ask your doctor if it is safe for you to travel to your chosen destination, taking into account your condition the climate, transport, and medical services available while you are away.

15. We will not pay for any loss, damage, injury, illness, death, or legal liability caused by you or any person whose condition gives rise to a claim:

   (a)Travelling against medical advice or for the purpose of obtaining medical treatment or where medical treatment is known to be required or continued during the journey, or

   (b)receiving or on  a  waiting  list  for in-patient hospital or clinical treatment or investigation, or

   (c)Having received a terminal prognosis or

   (d)Any mental or psychiatric disorder which has been previously diagnosed or for which treatment has been received.

We Have The Right To Do The Following

1. Not to pay any claim that is fraudulent.

2. Cancel the policy if you make a fraudulent claim.

3. Take over and deal with in your name any claim you make under this certificate.

4. Take legal action in your name but at our expense to recover any payment we have made under the certificate.

5. Obtain details from your medical records, with your permission to help us deal with any claim.

6. Cancel this policy without refunding your premium if you cancel or cut short your journey except in the case of an annual multi-trip policy.

7. Not to pay any claim under Sections 2, 3 and 8 for anything that is more specifically covered by another policy.

8. Only pay a proportion of a claim under Sections 4, 5 and 6 for anything that is covered by another policy.

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GENERAL EXCLUSIONS

1. Any loss or expense of whatsoever nature directly or indirectly arising out of, contributed to, caused by, resulting from, or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss or expense:

a)    War, hostilities or warlike operations (whether war be declared or not).

b)    Invasion.

c)    Act of an enemy foreign to the nationality of the insured person or the country in, or over, which the act occurs.

d)    Civil war.

e)    Riot.

f)    Rebellion.

g)    Insurrection.

h)    Revolution.

i)    Overthrow of the legally constituted government.

j)    Civil commotion assuming the proportions of, or amounting to, an uprising.

k)    Military or usurped power.

l)    Explosions of war weapons.

m)    Utilisation of Nuclear, Chemical or Biological weapons of mass destruction howsoever these may be distributed or combined.

n)    Murder or assault subsequently proved beyond reasonable doubt to have been the act of agents of a state foreign to the nationality of the insured person whether was be declared with that state or not.

o)    Terrorist activity.

2. We will not pay for any loss, damage, injury, illness, death or legal liability caused by or contributed to or arising from:

   a) Your participation in any Hazardous activity unless you have paid the extra premium and this is shown on the premium receipt. (14 days Winter Sports is included in Annual Multi-Trip premiums)

   b) You being delayed or your property being held, taken, destroyed or damaged by order of any government or customs official.

   c) Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.

   d) The radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.

   e) Your own employment, profession or business, other than circumstances that are beyond your control.

   f) Any consequential loss unless specified in the policy.

   g) Any excess shown in the Summary of Sums Insured.

   h) Any illegal act or offence committed by you.

   i) Your deliberate act or omission.

   j) You being under the influence of drugs (except those prescribed by a registered doctor, but not for the treatment of drug addiction).

   k) Your abuse of alcohol or solvents.

   l) Any loss due to currency exchanges of any and every description.

   m) You travelling in an aircraft (except as a passenger in a fully licensed passenger carrying aircraft).

   n) Your suicide, self-injury or deliberately putting yourself at risk (unless you were trying to save another person’s life).

   o) The use of a motorised vehicle unless you hold the appropriate driving licence for the type of vehicle involved and where the appropriate local law applies.

IF YOU NEED TO MAKE A CLAIM

When you return home contact your nearest Travel Office for a claim form. Follow the procedures set out below and return the form with all necessary supporting documents to ensure rapid processing.

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Ketteridge Claims offices
Middle East ·          Tel: +973 714 183 ·          Fax: +973 742 194 E-mail: kmemtc@hotmail.com	Europe ·          Tel: +44 1277 623 562 ·          Fax: +44 1277 623 568 ·          E-mail: kmeclaims@hotmail.com

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Personal Accident

·          Get a medical certificate from the doctor who treats you.

·          In the event of death, we need to see the Death Certificate and any other necessary documents.

Emergency medical and other expenses

·          Full details of the 24 hour emergency assistance service are shown within the certificate wording.

·          All original receipts and bills must be kept.

Cancellation or Curtailment

·          If you cancel your journey for medical reasons, get your own doctor to complete the medical section of the claim form.

·          If the journey is cut short for medical reasons, contact the emergency assistance company and get a medical certificate from the doctor that treats you abroad, giving the reason why you need to return home. The emergency assistance company doctor must agree with the reason.

·          All receipts and bills must be kept.

Departure Delay and Interruption of Travel Services

·          Obtain a letter from the carrier or their handling agents giving the reason for the delay and showing the scheduled and actual departure times.

Personal Possessions and Personal Money

·          For loss or damage claims that occur on your outward or return journeys you should send us your tickets and luggage tags and a Property Irregularity Report (P.I.R.) form from the airline or similar form from the shipping company.

·          Wherever possible, keep damaged items that you want to claim for so that we or our appointed agent can inspect them.

·          Report all losses to the police as soon as possible but within 24 hours and get a written report from them.

·          For all damage claims, get an estimate for repair. Keep all receipts for items you may want to claim for to help with your claim.

·          Proof is needed from the place where you obtained your foreign currency of the amount that was supplied to you.

·          For a delayed personal possessions claim that occurs on your outward journey, send us your tickets and luggage tags and get a Property Irregularity Report  (P.I.R.)  form  from  the  airline or similar form from the shipping company. Keep all receipts for essential replacement items you buy.

·          If your passport is lost, stolen or destroyed, we need a letter confirming this from the Consulate you reported the loss to. Keep all receipts for the cost of getting the replacement passport.

Personal Liability

·          Do not admit responsibility to anyone or agree to pay for any damages, repairs, compensation or costs.

·          Give us full details of the circumstances that caused the claim together with any other evidence that we ask for.

·          Secure witness statements where possible.

·          Take photographs of the damaged item(s) where possible.

·          If property in your holiday accommodation is already damaged on your arrival, secure a report from your representative.

Hi-jack

·          Obtain a letter from the Airline giving the period of the delay.

ELIGIBILITY

This Travel Insurance cover is available to a resident as defined for journeys commencing from UAE, Oman, Saudi Arabia, Qatar, Kuwait and including return thereto.

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HOLIDAYGUARD TRAVEL INSURANCE CERTIFICATE

IMPORTANT INFORMATION Please read the whole of this certificate before you travel and make sure you understand what is and is not covered. If you have any queries, contact your issuing agent. This Certificate is arranged by Status Insurance Management Limited, a company authorised and regulated by the Financial Services Authority (FSA),  and is underwritten by Dubai Islamic Insurance Insurance and Reinsurance Co. (Aman) and is valid for bookings made between 1st April 2008 and 31st May 2009 for journeys completed by 31st December 2009. Certificate No.: ............................................

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We aim to give you a first class service and to meet any claims covered by this certificate honestly, fairly and promptly. If you are not happy with our service please write to:

The Claims Manager, Ketteridge Group Claims Services, 8-10 High Street Billericay,  Essex,  CM  12  9BQ. Quoting your certificate number.

If you remain dissatisfied, please refer to:

The Manager, Dubai Islamic Insurance and Reinsurance Co(Aman), P.O.Box 157, Dubai, U.A.E.

24 HOUR EMERGENCY SERVICE

Global Response provide immediate immediate help if you suffer from any serious injury or illness outside your Country of Residence. You must notify them immediately you are admitted to hospital or you think you may have to return home early or extend your stay because of injury or illness.

Global Response provide a 24 hour multi-lingual service throughout the year and can be contacted by phone or fax.

Telephone No. +44 870 606 1581               Fax No. +44 870 606 1583

When  you  call  please  give  them your name and certificate number. It is a condition of their service that they are responsible for all decisions on the most suitable way to resolve any problem including, where necessary, your repatriation back to your Country of Residence.

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