Reasons Why Statement
Important Notice – Statement of Suitability
This is an important document which sets out the reasons why the product(s) or service(s) offered or recommended is/are considered suitable, or the most suitable, for your particular need objectives and circumstances.
This is a summary of the AA Ireland Travel Insurance Policy which is underwritten by Inter Partner Assistance SA. It does not contain the full terms and conditions of cover, but highlights the main benefits and significant exclusions to help you decide if the policy meets your needs. The types of cover available are single, annual multi trip and backpacker as shown in the table at the end of this document. Full details are in the Policy booklet.
A Policy booklet is available to download from our website, or on request, and will be issued to you automatically if you choose to take out a policy. It is important that you read the Policy booklet carefully when you receive it and contact us immediately if there is anything you do not understand. Where a heading is underlined in this policy summary, full details can be found in your Policy booklet.
Types of insurance and cover
Travel insurance for single trips, annual multi trips and backpacker trips – your travel insurance certificate will show your selected cover.
Golf, business equipment, wedding cover and travel disruption cover may also be included – your travel insurance certificate will show if you’ve selected these options.
Some Winter Sports and/or other sports and activities may also be included – your travel insurance certificate will show if you’ve selected these options.
Conditions
- It’s essential that you refer to the Important Health Requirements section in the Policy booklet as failure to comply with these conditions may jeopardise your claim or your cover.
- You must tell us as soon as possible of any changes to your circumstances that may affect your travel insurance policy. If you do not tell us about relevant facts or changes, your policy may not be valid.
If you’re travelling to Australia and you need medical treatment you must enrol with a local Medicare office.
Special conditions apply to each section of your policy so please refer to the Policy booklet for full details.
Policy Excesses
If you are an AA Member, and have purchased an Extra policy; No limit will apply to claims under Section B – Emergency Medical and Other Expenses, and no excess will apply to any claim under any section. Unless you have selected to waive the exthecess – (your travel insurance certificate will show if you’ve selected this option), your policy has an excess which applies to each claim, per section, per insured person for each separate incident. The policy excess, applicable to the cover purchased is shown in the schedule of benefits on page 4 of the Policy booklet.
We will pay up to the amount shown for the reasonable additional costs incurred to reprint/make a copy of or retake the photographs/video recordings either at a later date during the trip or at a venue in the United Kingdom – see policy booklet for full details.
Section W – Travel Disruption Cover (optional cover)
* Claims arising directly or indirectly from any covered event under this section existing or being publicly announced by the date you purchased this policy or the trip is booked (whichever is later).
*Any costs incurred by you which are recoverable from the public transport operator or for which you receive or are expected to receive compensation, damages, refund of tickets, meals, refreshments, accommodation, transfers, communication facilities or other assistance
Duration of the policy
For Single Trip and Backpacker travel insurance, this will be from the date you arrange cover until the completion of your trip, but not in any case exceeding the period shown on the travel insurance certificate. For Annual Multi Trip travel insurance this will be from the start date of cover shown on the travel insurance certificate for individual trips during a 12 month period.
Cancellation period
You are free to cancel this policy at any time. If you wish to cancel within 14 days of receipt of the policy documents, please send your request in writing. You will receive a full refund providing you have not travelled and no claim has been made or is intended to be made and no incident likely to give rise to a claim has occurred. If you cancel after the first 14 days of receipt of the policy documents then no premium refund will be made. See General Conditions applicable to the whole policy in the Policy booklet.
Making a claim
For all claims call us on 01 431 1204. Claims must be made within 31 days of the event which may give rise to a claim.
Complaints
Does your complaint relate to:
- Your policy?If A, you need to, contact AA Ireland Travel Insurance on Tel: 01 617 9988 or post to Quality & Compliance Manager, AA Ireland, 3rd floor, 80 Harcourt Street, Dublin 2, D02 F449
- A claim on your policy?If B, you need to, contact AXA Assistance Claims Centre on Tel: 01 431 1204 or post to AXA Assistance Claims Centre, Kilmartin N6 Retail Park, Athlone, Co. Westmeath.
Or you may use email: claimscomplaints@axa-travel-insurance.com
Complaints can subsequently be referred to the Financial Services Ombudsman. Full details can be found in the Policy booklet.
Significant features and benefits
The table shows the maximum benefits you can claim. Some sections are optional.
Significant or unusual exclusions and limitations
Cover for Medical Conditions
Please note that no claim arising directly or indirectly from a pre-existing medical condition affecting you will be covered unless;
- you have declared ALL pre-existing medical conditions to us; and
- you have declared any changes in your health or prescribed medication; and
- we have accepted all pre-existing medical conditions for insurance in writing.
Please refer to the Important Health Requirements section of the Policy Wording for full details.
- Essential Single Trip and Annual Multi Trip policies are available to insured persons up to age 79. If you reach the age of 80 during the period of insurance, cover will continue until the next renewal date but not thereafter.
- Backpacker policies are available to insured persons up to age 45.
Maximum trip durations are as follows:
- Single Trips – 60 days for Extra and 45 days for Essential.
- Annual Multi Trips: Unlimited number of trips per policy period with maximum individual trip durations of up to 60 days for Extra and 45 days for Essential. Winter Sports restricted to 17 days per policy period.
- Backpacker Trips: 365 days
- Sports and Activities shown on page 23 in the Policy Wording booklet are automatically built into your policy at no additional cost. Under no circumstances will any claims arising from any unlisted activities be covered regardless of whether undertaken as part of an organised excursion or event, unless declared to and agreed by us and an additional premium paid if required. Please also read the General Exclusions secion of the Policy wording booklet.
- Travelling to a country, specific area or event to which the travel advice unit of the Department of Foreign Affairs, World Health Organisation (WHO) or similar body has advised against all or all but essential travel.
- Wilful, self inflicted injury, solvent abuse, alcohol abuse and the use of drugs.
- Unlawful actions and any subsequent legal proceedings brought against you.
Section A – Cancellation or Curtailment charges
- Any claims arising directly or indirectly from any pre-existing medical condition(s) affecting you unless all pre-existing medical conditions have been declared to us and we have accepted them in writing.
- Any claim arising from change of plans due to your financial circumstances except if you are made redundant and qualify for redundancy payment under current Republic of Ireland legislation.
Section B – Emergency medical and other expenses
- Treatment or surgery which in the opinion of the medical practitioner in attendance and AXA Assistance can be delayed until your return to Ireland.
- Expenses incurred as a result of a tropical disease where the recommended inocculations have not been undertaken.
- Medication, which prior to departure is known to be required.
- Any claims arising directly or indirectly from any pre-existing medical condition(s) affecting you unless all pre-existing medical conditions have been declared to us and we have accepted them in writing.
- Any claim arising from pregnancy related conditions not due to complications of pregnancy (as defined in the policy wording).
Section D – Personal Accident
- Any claim arising directly or indirectly from any pre-existing medical condition(s).
- Any disability or death that is caused by a worsening of physical health (e.g. a stroke or a heart attack) and not as a direct result of a sudden, violent, external, unexpected bodily injury.
- Any claim arising as a result of you participating in sports and activities marked with an astrix or sports and activities not listed on page 23.
Section E – Baggage, Baggage delay and passport
- Valuables or your passport left unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe or safety deposit box.
- Business goods, samples or tools used in connection with your occupation.
- Theft of or damage to personal belongings from an unattended motor vehicle unless: the items were out of sight in the locked motor vehicle; and evidence that force and violence were used to get into the motor vehicle is provided.
- Sports equipment whilst in use and ski equipment.
- Contact or corneal lenses, hearing aids, dental or medical fittings and other items are excluded – please refer to your Policy wording for the full list.
- Personal belongings left unattended at any time.
Section F – Personal money
- Personal money left unattended at any time unless in a hotel safe or safety deposit box.
- Loss or theft of traveller’s cheques where you haven’t complied with the issuing agent’s conditions.
- Accidental loss, theft or damage to debit/credit or change cards.
Section G – Personal liability
- Pursuit of any trade, business or profession, or the ownership of any vehicles, aircraft or mechanically operated watercraft.
Section R – Overseas legal expenses and assistance
- •Claims against a carrier, or the Travel Agent or Tour Operator, Inter Partner Assistance SA or their agents, AXA Assistance or their agents, AA Ireland, or someone you were travelling with.
Section S – Winter Sports (optional cover)
- Theft of or damage to ski equipment from an unattended motor vehicle unless: the items were out of sight in the locked motor vehicle; and evidence that force and violence were used to get into the motor vehicle is provided.
- Ski equipment left unattended in a place to which the general public has access.
- Deductions for wear and tear will be made – see policy wording booklet for full details.
Section T – Business cover (optional cover)
- Theft of or damage to business equipment from an unattended motor vehicle unless: the items were out of sight in the locked motor vehicle; and evidence that force and violence were used to get into the motor vehicle is provided.
- Business equipment in the custody of a carrier.
- Business equipment left unattended in a place to which the general public has access.
- Deductions for wear and tear will be made – see policy wording booklet for full details.
Section U – Golf cover (optional cover)
- Theft of or damage to golf equipment from an unattended motor vehicle unless: the items were out of sight in the locked motor vehicle; and evidence that force and violence were used to get into the motor vehicle is provided.
- Golf equipment left unattended in a place to which the general public has access.
- Deductions for wear and tear will be made – see policy wording booklet for full details.
Section V – Wedding cover (optional cover)
We will pay up to the amounts shown for the accidental loss of, theft or damage to the items shown below forming part of your baggage/valuables:
- Each wedding ring taken, or purchased during your trip.
- Your wedding gifts taken, or purchased during your trip.
- Your wedding attire which is specifically to be worn on your wedding day.
| Section | Description | Essential (Single Trip, Annual Multi Trip & Backpacker) Cover Limit | Excess per Insured person, each and every incident | Extra (Single Trip & Annual Multi Trip) Cover Limit | Excess per Insured person, each and every incident |
|---|---|---|---|---|---|
| A | Cancellation or Curtailment | Up to €3,500 | €75 (€30 Loss of deposit) | Up to €6,000 | €50 (€20 Loss of deposit) |
| B | |||||
| Emergency Medical Expenses and other expenses | Up to €5,000,000 | €75 | Up to €10,000,000 (Unlimited for AA Members) | €50 | |
| Repatriation – included above | |||||
| Infants born following Complications of Pregnancy (maximum per event) – trips to USA or Caribbean | Up to €200,000 | €75 | Up to €200,000 | €50 | |
| Infants born following Complications of Pregnancy (maximum per event) – rest of the world | Up to €75,000 | €75 | Up to €75,000 | €50 | |
| Emergency dental pain relief | Up to €200 | €75 | Up to €200 | €50 | |
| Funeral expenses | Up to €5,000 | €75 | Up to €5,000 | €50 | |
| C | Hospital Benefit | €20 per day up to €200 | N/A | €25 per day up to €700 | N/A |
| D | |||||
| Personal Accident Max Benefit | Max Benefit Up to €25,000 | N/A | Max Benefit Up to €40,000 | N/A | |
| Loss of limbs or Loss of sight | €25,000 | €40,000 | |||
| Permanent Total Disablement | €25,000 | €40,000 | |||
| Death Benefit | €15,000 | €25,000 | |||
| Death Benefit | €2,500 (Under 18 years or over 66 years) | €3,000 (Under 18 years or over 66 years) | |||
| E | |||||
| Baggage, Baggage Delay and Passport | Up to €2,000 | €75 | Up to €3,000 | €50 | |
| Single Item Limit | €150 | €350 | |||
| Valuables Limit in total | €250 | €350 | |||
| Unreceipted Items Limit | Up to €150 | Up to €300 | |||
| Unreceipted Single Item Limit | €50 | €50 | |||
| Delayed Baggage (after 12 hours) | Up to €200 (€50 per day) | N/A | Up to €300 (€50 per day) | N/A | |
| Replacement of Passport | Up to €350 | Up to €350 | |||
| Emergency Passport Travel | Up to €350 | Up to €350 | |||
| F | |||||
| Personal Money and Documents | Up to €500 | €75 | Up to €700 | €50 | |
| Cash Limit | €200 | €350 | |||
| Cash (aged under 18) | €50 | €100 | |||
| Documents Limit | €200 | €350 | |||
| G | Personal Liability | Up to €2,000,000 | €350 | Up to €3,000,000 | €250 |
| H | Delayed Departure | €30 per 12 hour period Up to €300 | N/A | €50 per 12 hour period Up to €1,000 | N/A |
| I | Holiday Abandonment | Up to €3,500 (after 24 hrs) | €75 | Up to €6,000 (after 24 hrs) | €50 |
| J | Missed Departure | Up to €800 | €75 | Up to €1,000 | €50 |
| K | Missed Connection | Up to €750* | €75* | Up to €1,000 | €50 |
| L | Catastrophe | Up to €750 | €75 | Up to €1,000 | €50 |
| M | Mugging Benefit | €40 per day up to €400 | N/A | €50 per day up to €500 | N/A |
| N | Withdrawal of Services | €50 per day up to €250 | N/A | €50 per day up to €500 | N/A |
| O | Kennel/Cattery Fees | €20 per day up to €100 | N/A | €20 per day up to €200 | N/A |
| P | Hijack | €50 per day up to €500 | N/A | €100 per day up to €1,000 | N/A |
| Q | Third Party Supplier Insolvency | Up to €2,000 | €75 | Up to €2,000 | €50 |
| R | Overseas Legal Expenses and Assistance | Up to €20,000 | €350 | Up to €30,000 | €250 |
| OPTIONAL SECTIONS | |||||
| Winter Sports cover (available upon payment of an additional premium and shown in the travel insurance certificate) | |||||
| S1 | |||||
| Ski Equipment | |||||
| Owned | Up to €1,000 | €75 | Up to €1,000 | €75 | |
| Hired | Up to €600 | Up to €600 | |||
| Single Item Limit | €250 | €250 | |||
| Unreceipted Items Limit | Up to €300 | Up to €300 | |||
| Unreceipted Single Item Limit | €75 | €75 | |||
| S2 | Ski Hire | €30 per day up to €600 | N/A | €30 per day up to €600 | N/A |
| S3 | Ski Pack Ski Pass | €50 per day up to €600 | N/A | €50 per day up to €600 | N/A |
| S4 | Piste Closure | €30 per day up to €600 | N/A | €30 per day up to €600 | N/A |
| S5 | Avalanche Closure | Up to €600 | €75 | Up to €600 | €75 |
| Business cover (available upon payment of an additional premium and shown in the travel insurance certificate) | |||||
| T1 | Emergency Return Home | Up to €3,500 | €75 | Up to €6,000 | €50 |
| T2 | |||||
| Business Equipment | Up to €2,000 | €75 | Up to €2,000 | €75 | |
| Single Item Limit | €750 | ||||
| Computer Equipment Single Item Limit | €1,500 | €1,500 | |||
| Samples Limit | €500 | €500 | |||
| Unreceipted Items Limit | Up to €300 | Up to €300 | |||
| Unreceipted Single Item Limit | €75 | N/A | €75 | N/A | |
| Delayed Business Equipment | €100 per day up to €300 | €100 per day up to €300 | |||
| Emergency Courier of Essential Business Equipment | Up to €500 | Up to €500 | |||
| T3 | Business Equipment Hire | €150 per day up to €750 | N/A | €150 per day up to €750 | N/A |
| T4 | |||||
| Business Money | Up to €1,000 | €75 | Up to €1,000 | €75 | |
| Cash Limit | €500 | €500 | |||
| Golf cover (available upon payment of an additional premium and shown in the travel insurance certificate) | |||||
| U1 | |||||
| Golf Equipment | Up to €1,000 | €75 | Up to €1,000 | €75 | |
| Single Item Limit | €250 | €250 | |||
| Unreceipted Items Limit | Up to €300 | Up to €300 | |||
| Unreceipted Single Item Limit | €75 | €75 | |||
| U2 | Golf Equipment Hire | €30 per day up to €300 | N/A | €30 per day up to €300 | N/A |
| U3 | Non Refundable Golfing Fees | €75 per day up to €300 | N/A | €75 per day up to €300 | N/A |
| Wedding cover (available upon payment of an additional premium and shown in the travel insurance certificate) | |||||
| V | |||||
| Wedding Rings | €250 | €75 | €500 | €50 | |
| Wedding Attire | €750 | €1,000 | |||
| Wedding Gifts | €750 €100 (cash) |
€1,000 €150 (cash) |
|||
| Wedding Photographs or Video Recordings | €500 | €750 | |||
This statement is valid from 04/16
* Available upon payment of an additional premium and shown in the travel insurance certificate.
AA Ireland Limited registered office: AA Ireland, 3rd floor, 80 Harcourt Street, Dublin 2, D02 F449. Registered in Ireland, number 389194 AA Ireland Limited trading as AA Insurance is regulated by the Central Bank of Ireland. AA Insurance is tied to Inter Partner Assistance SA for the purposes of selling Travel Insurance.