Insurance

Please note that this is a Summary Document, and does not contain the full terms and conditions of the Insurance Contract arranged for Red Letter Days. Full terms, conditions and exclusions are contained in the Master Certificate of Insurance number IAH0000962, which is available for inspection upon request.

Master Certificate Holder

Red Letter Days as agent for each Insured Person each for his own rights and interests.

Insured Person

Any voucher recipient with respect to vouchers redeemed under the Red Letter Days scheme.

Country Of Domicile

For the purpose of this insurance, this will be the United Kingdom or the Insured Person’s normal country of domicile.

Operative Time

Whilst carrying out an activity sold by or under the control of Red Letter Days.

Your Insurer

Impact Underwriting Limited on behalf of Syndicate 1607 at Lloyd's.

The standard duration of the contract is 12 months from the date on which cover incepts. Any variations to this duration will be shown on The Certificate Schedule.

The IAH Form is a Personal Accident Insurance Contract. The sections that apply to your insurance will be stated on the General Schedule. The General Schedule also states the period of insurance.

Significant Feature And Benefits Of The IAH Form

The Section Schedules describe when the contract operates together with the benefits and limits that apply to each person insured.

Section 1 - Personal Accident

  • Lump sum payments following accidental death or injury resulting in loss of limb, sight, speech, hearing or permanent total disablement
  • Weekly disability income benefits if you are prevented from working following an accident or illness.
  • Medical expenses are payable in addition to a weekly disability claim. The Schedule of Benefits states the amount of cover and maximum limits applicable to each person insured.

Schedule Of Benefits

Personal Accident

To pay in accordance with the following schedule of benefits in the event of the insured person sustaining Accidental Bodily Injury as herein defined causing:

Sum Insured
per Insured Person Benefit
  1. £50,000Death

    2. Disablement:

  2. £50,000Loss of two or more Limbs or both Eyes or one of each
    • £50,000a) Loss of one Limb or Eye
    • £50,000b) Permanent total loss of Speech
    • c) Permanent total loss of Hearing in:
      • £50,000i) both ears
      • £50,000ii) one ear (50% of the Sum Insured)
  4. £50,000 Permanent Total Disablement definition
    Permanent Total Disablement definition 2 (any & every occupation)
  5. Nil Permanent Disability (Continental Scale)
    • Disability income
  6. £150 Temporary Total Disablement (per week)
    • 104 weeksBenefit Period
    • 14 daysDeferment Period
  7. Nil Temporary Partial Disablement (per week)
    • Benefit Period
    • Deferment Period

Medical Expenses

In addition to the Benefits shown for each category of Insured Persons, the Underwriters will pay any Medical Expenses necessarily incurred by the Insured or an Insured Person up to but not exceeding 10% of the total amount paid under Benefits Death, Disablement or Permanent Total Disablement or 25% of the amount paid under Disability Income Benefits, whichever is the greater, but subject to a maximum of £5,000 for each Insured Person.

Aggregate Limits of Liability

£1,000,000 Limit any one Accident / Any One Event

Definitions

Accidental Bodily Injury

A specific physical injury caused in and of itself by a single, unexpected, sudden and unintended event, which occurs at an identifiable time and placed to an Insured Person during the Operative Time and results solely and independently of all other causes and within 12 calendar months of the date of the event in the Death, Loss of Hearing or Speech, Loss of Limb, Loss of Sight, Total Disablement, Partial Disablement or Permanent Total Disablement of an Insured Person.

Loss of Hearing or Speech

Permanent, total and irrecoverable loss of hearing in an ear or permanent, total and irrecoverable loss of speech.

Loss of Eye

Permanent and total Loss of Eye shall be considered as having occurred:

a) in both eyes, if an Insured Person’s name is added to the Register of Blind Persons on the authority of a fully qualified ophthalmic specialist and is without hope of improvement;

b) in one eye, if the degree of sight remaining after correction is 3/60 or less on the Snellen Scale and is without hope of improvement.

Loss of Limb or Limbs

The permanent and complete loss of, or loss of use of limb or limbs at or above the ankle or wrist.

Permanent Total Disablement

Caused other than by loss of limb or eye or speech or hearing, which prevents an Insured Person from engaging totally in any and every occupation for a period of 12 consecutive months and at the end of that period being without prospect of improvement.

Total Disablement or Total Disability

An Insured Person’s complete and physical inability to attend to his usual business or occupation which results solely and independently of any other cause from Accidental Bodily Injury.

Temporary Partial Disablement

Temporary disablement, which prevents the Insured Person from engaging in a substantial part of his usual business or occupation.

Temporary Total Disablement

Temporary disablement, which entirely prevents the Insured Person from engaging in his usual business or occupation.

SIGNIFICANT AND UNUSUAL EXCLUSIONS

General Exclusions that apply to all Sections

  • War (whether war be declared or not), hostilities or terrorism
  • Flying, unless as a passenger or unless supervised by a qualified instructor
  • Suicide or attempted suicide or intentional self-injury
  • Pregnancy within 2 months of the estimated date of delivery, or childbirth
  • Nuclear or radioactive contamination
  • Criminal acts
  • Professional sports
  • Deliberate exposure to exceptional danger (other than in an attempt to save human life)
  • Armed Forces operational duties

Significant And Unusual Limitations

All Sections

Age limit

  • 75 years

Conditions and provisions

  1. Where an Insured Person is under the age of 18 years the Death benefit will be limited to £5,000.
  2. Where an Insured Person is not in full time employment or is a spouse or child of an Insured Person: a) Permanent Total Disablement shall read, "Total Disablement, caused other than by Loss of Hearing or Speech, Loss of Limb, Loss of Sight, which has lasted for at least 12 consecutive months and will in all probability prevent an Insured Person from engaging totally in any and every kind of employment for the remainder of his life"; b) Disability Income benefit will not be payable.
  3. If after Underwriters have made a payment to the Insured in respect of the disappearance of an Insured Person, the Insured Person is found to be living, the Insured shall reimburse the Underwriters in full for all monies paid to them in respect of such disappearance.
  4. Any claim for Disability Income benefits shall be deducted from any subsequent Death, Disablement or Permanent Total Disablement claim as a result of the same insured claim.
  5. All material facts should be disclosed (these are facts which are likely to influence our acceptance or assessment of your insurance). If you are in doubt about facts considered material you should disclose them.
  6. You and we are free to choose the legal system that will apply to this insurance. Unless we specifically agree to the contrary, this insurance will be subject to English Law.
  7. Compensation shall not be payable under more than one of the Items of the Schedule of benefits in respect of the consequences of one Accident.
  8. The total sum payable under this insurance in respect of one or more claims shall not exceed the largest amount of benefit payable under any one of the items contained in the Schedule of Benefits.
  9. If the Aggregate amount of all Benefits payable exceed the Aggregate Limit of Liability the Benefit payable to each Insured Person shall be proportionately reduced until the total of all benefits does not exceed the aggregate Limit of Liability.

Claims Procedure

Claims should be notified to the Broker, Marsh Ltd. Please telephone 0131 311 4223 between 09.00 and 17.00 weekdays and ask for the ‘Red Letter Days’ claims handler.

On the happening of any occurrence likely to give rise to a claim you give us notice in writing as soon as possible and in any event within sixty days. In no event will we be liable to pay any claim where you fail to notify us in writing within 120 days after the date of the occurrence.

You will need to provide us with all information that we reasonably require.

If any claim submitted by you or by any person acting on your behalf shall in any respect be false or fraudulent, we shall be under no liability to make payment in respect of such claim.

All persons under this insurance shall at all times take reasonable precautions to prevent accidents. All expenditure for which benefit is claimed must be reasonable and customary.

Complaints

Any enquiry or complaint should be addressed in the first instance to Red Letter Days who are dedicated to providing you with a high quality service.

If you have any questions or concerns about your insurance or the handling of a claim you should, in the first instance, contact Marsh Ltd, Charter House, 426 Avebury Boulevard, Central Milton Keynes, MK9 2NS.

In the event you remain dissatisfied and wish to make a formal complaint, you can do so at any time by referring the matter to the Complaints Department at Lloyd’s. Their address is:

Complaints Department, Lloyd’s, One Lime Street, London, EC3M 7HA
Tel: 0207 327 5693
Fax: 0207 327 5225
Email: complaints@lloyds.com

Retail Customers: complaints that cannot be resolved by the Complaints Department may be referred to the Financial Ombudsman Service.

Commercial Customers: in the event that the Complaints Department is unable to resolve your complaint, it may be possible for you to refer it to the Financial Ombudsman Service.

Further details will be provided at the appropriate stage of the complaints process.

Financial Services Compensation Scheme

Lloyd’s insurers are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the Scheme if a Lloyd’s insurer is unable to meet its obligations to you under this contract. If you were entitled to compensation under this 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, Lloyds Chamber, Portsoken Street, London E1 8BN) and on their website (www.fscs.org.uk).

Impact Underwriting Ltd, 17th Floor, 30 St Mary Axe, London EC3A 8BF

Impact Underwriting Ltd is an Appointed Representative of Creechurch Underwriting Ltd, which is authorised and regulated by the Financial Services Authority. Part of the Creechurch Group of Companies.