Common use of Demands and Needs Clause in Contracts

Demands and Needs. We ask questions relating to your trip to establish what products are available for you to purchase that meet with your demands and needs and give you information to help you. We will not choose the product, you need to decide what is the right choice for you making sure the terms of the policy meet your needs before purchasing. A to Z Travel Insurance has been designed specifically to meet the demands and needs of travellers who want to have peace of mind being financially protected in the event of medical emergencies, cancellation, delayed departures or curtailment, baggage and contents that are lost or stolen, loss or theft of travel money and passport, personal liability and legal expenses when travelling. We also offer optional cover which can be included if applicable. We have various levels of cover depending on your circumstances, the options you choose and where you travel to. Cover is only available and valid to customers who: - Answer questions accurately and truthfully - Are UK residents with an address in the United Kingdom and have lived in the UK for at least 6 of the last 12 months - Are registered with a General Practitioner in the UK - Are in the United Kingdom when the Policy is purchased (except when You renew an existing Annual multi-trip policy, provided there is no gap in cover); - Are aged 65 or under at the start of the Policy Period for Backpacker policies; - Are aged 75 or under at the start of the Policy Period for Annual multi-trip policies; - Are aged 64 or under at the start of the Policy Period for Winter Sports policies You are entitled to cancel your travel insurance policy by contacting us by phone or email within 14 days of receiving your insurance documents, if you change your mind and decide it is no longer required or appropriate. In these circumstances, we will give you a full refund of the premium already paid as long as no claim has been made and you have no intention of making a claim. After this 14 day window, you will still have the right to cancel your travel insurance policy at any point. If you do this outside of the 14 day cooling-off period, no premium will be refunded. We may however decide differently in very exceptional circumstances, such as bereavement, or a change to your policy resulting in us declining to cover your medical conditions. A to Z Cover Limited may cancel your policy by giving you 14 days’ notice. In the event of this happening, we will refund you the premium you have paid for the rest of the insurance period. Once your policy has been cancelled your cover will immediately end and you will no longer be able to make a claim. If you are in the unfortunate position where you need to make a claim under your insurance, please check your travel insurance certificate and schedule to ensure you have the appropriate cover for that claim. You may be asked for more information or evidence to substantiate your claim. All claims evidence must be provided at your own expense in its original form. The full details of how to claim are contained within your policy documentation.

Demands and Needs. We ask questions relating to your trip to establish what products are available for you to purchase that meet with your demands and needs and give you information to help you. We will not choose the product, you need to decide what is the right choice for you making sure the terms of the policy meet your needs before purchasing. A to Z Travel Vibe Insurance has been designed specifically to meet the demands and needs of travellers who want to have peace of mind being financially protected in the event of medical emergencies, cancellation, delayed departures or curtailment, baggage and contents that are lost or stolen, loss or theft of travel money and passport, personal liability and legal expenses when travelling. We also offer optional cover which can be included if applicable. We have various levels of cover depending on your circumstances, the options you choose and where you travel to. Cover is only available and valid to customers who: - Answer questions accurately and truthfully Are not travelling against the latest FCDO advice. - Are UK residents with an address in the United Kingdom UK at the time of purchasing the policy, the trip/s will start and end in the UK and has not already begun; - Are permanently resident in the UK and have lived their main home in the UK; - Are 18 years of age or over at the date of buying the policy; - Have been in the UK for at least a minimum of 6 of months in the last 12 months year prior to purchasing this policy; - Are registered with a General Practitioner GP in the UK - Are in the United Kingdom when the Policy is purchased (except when You renew an existing Annual multi-trip policy, provided there is no gap in cover)UK; - Are aged 65 fit to travel and not travelling against the advice of a doctor, or under at the start of the Policy Period for Backpacker policieswhere they would have been if they had sought their advice before beginning their trip; - Are not travelling with the intention of receiving medical treatment; - Have not received a terminal prognosis; - Do not have any undiagnosed medical conditions (e.g. medical condition/s you are aware of, but for which you have not had a diagnosis). - Are aged 75 79 or under at the start of the Policy Period for Annual multi-trip policies; - Are aged 64 66 or under at the start of the Policy Period for Winter Sports policies You are entitled to cancel your travel insurance policy by contacting us by phone or email within 14 days of receiving your insurance documents, if you change your mind and decide it is no longer required or appropriate. In these circumstances, we will give you a full refund of the premium already paid as long as no claim has been made and you have no intention of making a claim. After this 14 day window, you will still have the right to cancel your travel insurance policy at any point. If you do this outside of the 14 day cooling-off period, no premium will be refunded. We may however decide differently in very exceptional circumstances, such as bereavement, or a change to your policy resulting in us declining to cover your medical conditions. A to Z Cover Limited may cancel your policy by giving you 14 days’ notice. In the event of this happening, we will refund you the premium you have paid for the rest of the insurance period. Once your policy has been cancelled your cover will immediately end and you will no longer be able to make a claim. If you are in the unfortunate position where you need to make a claim under your insurance, please check your travel insurance certificate and schedule to ensure you have the appropriate cover for that claim. You may be asked for more information or evidence to substantiate your claim. All claims evidence must be provided at your own expense in its original form. The full details of how to claim are contained within your policy documentation.