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Accident
Assistance Services
Benefits
Cancellation
Change in Personal Circumstances
Claims Handler
Complaints
Cooling off period
Couple
Curtailment
Date of Issue
Excess
Family
Financial Services Authority
General Exclusion
Hijack
Home
Hospital Sundries
Incident Date
Insured Persons
IPT
Legal Expenses
Level of Cover
Loss
Loss Adjuster
Loss of Both Eyes
Loss of Passport
Loss of One or More Limbs
Material Facts
Medical Assistance Company
Missed Departure
Money and Documents
Period of Insurance
Permanent Disability
Personal Accident
Baggage and Property
Personal Liability
Piste Closure
Policy Schedule
Premium
Relative
Repatriation
Ski Equipment
Ski Hire
Ski Pack
Specific Exclusions
Start of Cover
Settlement
Tax
Territorial Limits
Travel Delay
Travelling Companion
Trip
Underwriter
Unforeseen Occurrences
Valuables Top
Accident
A sudden, unexpected, unusual, specific, violent, external event which results in a Loss. Top Assistance Services
Services offered by the Medical Assistance Company including making suitable emergency medical arrangements (including agreeing costs), advance for Bail Bonds and transmission of emergency messages. Top Benefits
The amount payable in respect of a covered claim. Top Cancellation
Cancellation of the trip resulting from an unforeseen occurrence. Top Change in Personal Circumstances
If your circumstances change at any time during this policy term, please notify us immediately in writing. If you do not do so your policy may be affected. The following are some examples of circumstances that you must tell us about:
• You have named drivers on your policy who gain a conviction or
• You permanently retire, irrespective of the reason, from work; or
• You change the nature of your work. Top Claims Handler
The loss adjusters named on the policy certificate. Top Complaints
Although we set ourselves high standards, if we do not meet your expectations and you are dissatisfied in some way we would like to know. If you follow the guidelines below, your complaint will be dealt with in the most efficient way possible Step 1. Please contact or write to the Managing Director, 1 Stop Insurance Company Limited, Unit B2, Mill Green Business Park, Mill Green Road, Mitcham, Surrey. CR4 4HT. Tel 020 8648 8868 or Skype Insuranceman1 or email to
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Step 2. If you are still not satisfied with the way we have dealt with your complaint you can ask the Financial Ombudsman Service to review your case. You can contact them at the following address: South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Telephone: 0845 080 1800. Top Cooling Off Period
You can cancel your income protection insurance at any time by writing to the insurer. If this is done within usually the first 14 days of the start date or receipt of the policy terms and conditions (whichever is the later) then we will give you a full refund of any premiums paid – as long as you have not made an income protection insurance claim Top Couple
A legally married couple both aged under 65; a common law husband and wife both aged under 65; an adult couple both aged under 65 who have been cohabiting for at least one year. Top Curtailment
To cut short the trip by returning Home earlier than the planned date of return. Top Date of Issue
Date shown on the quote or policy certificate as to when it was issued. Top Excess
The part of each and every claim which is the responsibility of the Insured, probably you! Top Family
A legally married couple both aged under 65; a common law husband and wife both aged under 65; a single parent; an adult couple both aged under 65 who have been cohabiting for at least one year, with up to three children aged 18 years under (or 21 in full time education). Top Financial Services Authority
1 Stop Insurance Consultants Ltd, are authorised and regulated by the Financial Services Authority. Our FSA number is 305497 and our registered address is Unit B2, Mill Green Business Park, Mill Green Road, Mitcham, Surrey. CR4 4HT Top General Exclusion
Something which is not covered by the insurance and relates to every section of the Policy. (Look out for these, can be a bit nasty) Top Hijack
The Insured being detained against their will by Hijack on an aircraft or sea vessel. Top Home
The Insured's place of residence in the British Isles. Top Hospital Sundries
The amount payable for each 24 hour period the Insured is a hospital in-patient. Top Incident Date
The date you had a claimable event such as an accident Top Insured Persons
The names that are shown on the quote or policy certificate. Top Legal Expenses
Costs incurred by the Insured in pursuit of legal proceedings against third parties. Top Level of Cover
The amount up to which the Insured is covered under any particular Section of the Policy. Top Loss
Death, loss of One or More Limbs or Both Eyes or Permanent Disability. Top Loss Adjuster
Investigates the legitimacy of claims. Top Loss of Both Eyes
The complete and irrecoverable loss of sight of both eyes. Top Loss of Passport
Costs for temporary travel documents and reasonable travel and accommodation expenses necessarily incurred to replace the Insured's lost or stolen passport. Top Loss of One or More Limbs
Loss by physical severance of a hand at or above the wrist or a foot at or above the ankle. Top Material Facts
Failure to disclose material could invalidate a policy, such as driving convictions. Top Medical Assistance Company
The assistance company named on the policy Certificate. Top Missed Departure
Arriving at the British Isles or International departure point too late to commence the trip as booked. Top Money and Documents
Bank and currency notes, coins, travel and admission tickets, accommodation and meal vouchers, petrol coupons for private purpose. Top Period of Insurance
The time and date in which the insurance is effective. Top Permanent Disability
Disability caused directly from an Accident which results in incapacitation for 12 or more consecutive months. Top Personal Accident
Death or permanent disability. Top Baggage and Property
Personal property taken or purchased on the trip by the Insured. Top Personal Liability
Legal liability for accidental injury to a third party and/or accidental damage to their property. Top Piste Closure
Where skiing is prohibited for a period in excess of 12 hours. Top Policy Schedule
The document which details the cover we will provide you under these terms and conditions. Top Premium
The amount you must pay for that year for cover under the policy to be in force as documented on your Policy Schedule. If you paying on a monthly direct debit under this policy, you must continue to pay the premium as it falls due in order to ensure continuous cover under this certificate. Top Relative
Spouse, fiance(e), parent, parent-in-law, brother, brother-in-law, sister, sister-in-law, son-in-law, daughter-in-law, child, grandchild. Top Repatriation
Returning Home as a result of accidental injury or illness. Top Ski Equipment
Skis, ski sticks, ski bindings, ski boots, snowboards Top Ski Hire
Ski equipment hired due to loss, damage or delay of the Insured's ski equipment. Top Ski Pack
Unused ski pass, ski hire or tuition fees resulting from accidental injury, sickness or loss/theft of ski pass. Top Specific Exclusions
Something which is not covered by the insurance and relates only to a particular section of the Policy . (Again look out for these, can be a bit nasty) Top Start of Cover
We will immediately acknowledge receipt of your application. If your application is accepted you will receive by post a Policy Schedule confirming your cover and the start date. If you do not receive your acknowledgement within 10 working days please call 1 Stop Insurance on 020 8648 8868 Top Settlement
When an insurer pays a claim. Top Tax
The premium under a general insurance policy is subject to Insurance Premium Tax Top Territorial Limits
Geographical areas or countries shown on the quote or policy certificate. Top Travel Delay
The delay of a flight or English Channel crossing. Top Travelling Companion
The person whom the Insured has booked to travel with. Top Trip
Period of travel. Top Underwriter
Person who decides whether to accept a risk and calculates the premium. Top Unforeseen Occurrences
Unexpected happenings which lead to the cancellation or curtailment of a trip. Top Valuables
Cameras, photographic apparatus, video equipment, stamps, documents, dentures, hearing aids, furs, binoculars, tape recorders, cassettes and players, radios, compact discs and players, computers and accessories, mobile phones, video games and TV sets. Top
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