THE BUCS PERSONAL ACCIDENT INSURANCE PLAN FOR STUDENTS
           
SUMMARY OF COVER - GOLD
 
The purpose of this policy summary is to help you understand the insurance by setting out the significant features, benefits, limitations and exclusions. A full copy of the terms, conditions and exclusions is available on request from Endsleigh Business Insurance Services.
 
Name of the insurance undertaking
The insurance is provided by ACE Europe. Registered Address: Ashdown House. 12 High Street, Crawley, West Sussex, RH10 1DQ.
 
Type of insurance and cover
The insurance provides financial benefits in the event that the Insured Person has an accident whilst participating in organised sports events (either by the Students’ Union or the University).
 
Members of the Sports Association will be covered anywhere in the world whilst taking part in organised sports events or in training and practice sessions. They will also be covered whilst travelling to and from any of these activities.
 
Significant features and benefits - Gold Cover
TYPE OF COVER
CASH BENEFIT
Accidental Death
£10,000
Permanent Disabling Injuries
up to £50,000
Temporary Total Disablement
£30 per week (excluding the first 7 days)
Dental Injury
up to £100 (excluding the first £25)
Hospital Confinement
£10 per day (maximum 90 days)
Additional Travel Expenses
up to £100 (minimum claim £25)
Repatriation:
 
Cost of a private ambulance to local hospital
Unlimited
Travel costs to home address following discharge from hospital
£100
 
 
 
OPTIONAL "TOP UP" BENEFITS WITH GOLD COVER
TYPE OF COVER
CASH BENEFIT PER UNIT
(MAXIMUM 2 UNITS)
ADDITIONAL ANNUAL PREMIUM PER UNIT
Permanent Disability
£25,000
10 pence
Temporary Total Disablement
Hospital Confinement
Additional Travel Expenses
£10 per week
£10 per day
£25
 
24 pence each
Dental Injury
£200
38 pence
Loss of Earnings
£25 per week
24 pence
Academic Expenses
up to £2,500
(maximum 1 Unit)
43 pence
 
5% Insurance Premium Tax must be added to the above premiums
 
Significant and unusual exclusions or limitations
Your policy excludes some situations. Please refer to Section 5 of the policy wording for full details of exclusions and limitations.
 
?         Any claim under £25 in respect of Travel Expenses cannot be considered.
?         The first £25 of every dental injury claim is excluded.
?         Benefits cannot be issued in the event of the insured person committing suicide or inflicting self-injury
?         Insurers will not be liable for payment should the Insured person sustain injury whilst engaged in any of those activities strictly prohibited under the policy e.g. offshore racing, bunjee jumping, fire walking etc.
?         Bodily injury resulting from sickness and disease is not covered under the policy
?         The cover does not extend to providing for the cost of seeking medical treatment. Such costs are typically met by a Medical Expenses policy.
?         Insurers will not be liable for disabilities arising from repetitive strain injury or psychological disorders.
 
Duration of Policy
The policy will remain in force for 12 months from the date of commencement, or as otherwise shown on your policy schedule.
 
Claims Notification
You can make a claim by contacting:
 
Endsleigh Business Insurance Services
Hadley House
Shurdington Road
Cheltenham
GL51 4UE
 
Telephone No: 01242 866800 Fax No: 01242 866961 E-mail:ebis@endsleigh.co.uk
 
Your right to complain
We, as your insurance broker, will always aim to provide you with a high quality service. However, if you are not satisfied with the service provided please do not hesitate to contact us at the above details. We will ensure that every measure is taken to speedily address any concerns you may have.
 
The Financial Services Compensation Scheme
We are covered by the Financial Services Compensation Scheme(FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations to you under your contract of insurance. If you were entitled to compensation under the Scheme, the level and extent of the compensation would depend on the nature of this contract. Further information about the Scheme is available from the Financial Services Compensation Scheme, 7th Floor Lloyd’s Chambers, Portsoken Street, London, E1 8BN and on their website www.fscs.org.uk