Travel Insurance: Key Facts

Your Policy Summary

Some important facts about your insurance are summarised below.  This summary does not describe all the terms and conditions of your policy, so please take time to read the policy document to make sure you understand the cover it provides.  This Policy Summary does not form part of the contract between us.

The Insurance Provider

This Travel Insurance, arranged by Getcover & Company, is underwritten by White Horse Insurance Ireland Limited.

White Horse Insurance Ireland Ltd is a general insurance company, licensed in the Republic of Ireland to underwrite most non-life classes of insurance throughout the European Union.  It operates from Dublin and is regulated by the Irish Financial Regulator and is a member of the Dublin International Insurance and Management Association. 

Purpose of the Insurance

This is a travel policy that, subject to the terms, conditions and exclusions contained in the Policy Document, provides certain financial protection and medical assistance for your trip(s).

Significant Product Features, Benefits and Exclusions

The levels of cover and excesses that apply are set out in the Schedule of Benefits on the Travel Policy Schedule or Travel Quotation Schedule.  Certain Sections of your Policy carry an excess which means that you have to pay the first sum per person, per incident if you claim.  The excess amount varies according to the Section you are claiming under. Click here to view the many other benefits, conditions and exclusions included in the policy.

Please read your Policy Wording to make sure that the cover is suitable for you.

Period of Insurance

The policy you have purchased will run for the period of insurance shown on your Travel Insurance Schedule.

Cancellation Rights

There is a statutory 14 day cancellation period starting from receipt of these documents.
If you cancel after this date we may charge a cancellation fee. You can cancel by phoning or writing to your issuing agent. If phoning please call: 1850 851 297. If writing to Getcover & Company, Getcover House, 6 Leopardstown Office Park, Sandyford, Dublin 18.

Your right to cancel will remain unaffected if any contingency beyond your control arises which makes it impracticable for you to communicate your wish to cancel. If you do not cancel this policy your cover will continue as detailed in your policy and summarised here.

Making a claim

FOR 24 HOUR EMERGENCY MEDICAL ASSISTANCE WHILST ABROAD:

Call AXA Assistance on 0044 845 223 5563 quoting GETCOVER and your level of cover eg. Superior Plus, Superior, Backpacker

FOR CLAIMS BEFORE DEPARTURE OR AFTER YOUR RETURN HOME:

Call White Horse Claims on 0818 946 910 quoting GETCOVER and your level of cover eg. Superior Plus, Superior, Backpacker

or write to:

Claims Department, White Horse Administration Services Ltd, PO Box 644, Shannon, Co Clare.

CLAIMS PROCEDURE FOR SCHEDULED AIRLINE FAILURE ONLY:

Any occurrence which may give rise to a claim should be advised as soon as reasonably practicable and in any event within 14 days to:

IPP Claims Office, IPP House, 22-26 Station Road, West Wickham, Kent BR4 0PR. United Kingdom

Telephone: +44 (0)20 8776 3752, Fax: +44 (0)20 87763751, Email: info@ipplondon.co.uk

Making a Complaint

We aim to give a good service.  However, there may be times when things go wrong and you are not satisfied with the service you receive. If this happens, please contact Us and we will deal with any complaint promptly and professionally.

Should you have any query or complaint regarding a claim, in the first instance please write to:

The Operations Director, White Horse Insurance Ireland Limited, PO Box 644, Shannon, Co Clare, Republic of Ireland.

If your query or complaint relates to a customer service or site related issue, in the first instance, please write to: The Operations Manager, Getcover & Company, Getcover House Unit 6, Leopardstown Office Park Sandyford, Dublin 18, Republic of Ireland.

If you are still not satisfied with our decision after following the above procedure, you may then write to: The Financial Services Ombudsman’s Bureau Third Floor Lincoln House Lincoln Place Dublin 2 Republic of Ireland lo-call: 1890 882090 Tel: 00353 (1) 6620 899 Fax: 00353 (1) 6620 890

Please note the Ombudsman will not consider your case until you have followed the complaints procedure, as outlined above.

Please quote your insurance reference number and your claim number in all your correspondence to all parties involved with this procedure. This procedure is intended to provide you with a prompt and practical service with any complaints that you may have, and does not affect your legal rights.

Compensation Scheme

White Horse Insurance Ireland Limited is covered by the Irish Insurance Compensation Fund.  You may be entitled to compensation from the fund if White Horse Insurance Ireland Limited cannot meet their obligations.  The Irish Insurance Compensation Fund provides funds for liquidators so that they may pay the valid claims of insolvent insurers.  The fund will provide an amount up to 20,000 Euros or 90% of the net loss, whichever is lesser.  You can get more information about compensation fund arrangements from the Irish Financial Services Regulatory Authority.