Complete Travel Policy for Schools

Principal Exclusions

In common with other insurers we will not pay:

General exclusions

• Any claim resulting from pregnancy or childbirth if delivery is expected during a trip or within two months of the end of a trip
• The first £30 of each and every claim per Insured person
• Any medical costs associated with any condition which was diagnosed, or for which symptoms had been apparent, prior to the commencement of a trip
• Flying other than as a passenger
• A claim resulting from the Insured's own criminal act
• A claim arising from the Insured being under the influence of alcohol or drugs
• A claim resulting from radioactive contamination
• A claim resulting from the Insured engaging in full time active service in any of the armed services
• A claim resulting from the Insured's suicide or attempted suicide or intentional self injury or the Insured being in a state of insanity
• A claim resulting from AIDS, ARC or HIV howsoever these have been acquired or may be named
• A claim resulting from war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power, or any act of terrorism
• If any fraud, concealment or deliberate misstatement is discovered in connection with this policy then the policy shall be declared null and void and all claims repudiated.

Travel Delay

Any claim due to the failure of the insured to check in according to the itinerary supplied to him or her.

Personal Liability

We will not pay a claim if an Insured makes any admission of liability; makes any arrangements; or makes any offer, promise or payment without our written consent. We will also not cover any claim made by an Insured against another member of the same travel party.

Legal Expenses

We will not pay any claim where our written consent has not been obtained.

Loss of Personal Baggage, Clothing Effects, or Money

We will not cover any claim resulting from:

• Any gradual cause
• Loss of money not reported to the police within 24 hours and a police statement obtained
• Property otherwise insured by another insurer
• Any loss or damage whilst in the custody of a carrier unless reported to the carrier within twenty four hours and a report obtained
• Valuables or money whilst in the custody of a carrier.

Hijack, Kidnap and Detention

We will not cover any claim relating to payment of ransom monies, or where detainment, hijack or kidnap is for a period of less than 3 days.

Avalanche and Piste Closure

We will not cover any claim arising within the United Kingdom or any claim in respect of trips commencing or ending during the period 31 May to 30 November inclusive.

Personal Accident

• We will not pay more than £20,000 per Insured person per accident
• The maximum amount the underwriter will pay in respect of a single accident involving more than one person injured is £2 million.

Crisis Management

We will not cover an Insured

• Any deliberate or criminal act by you or anyone acting on your behalf
• Travel to or failure to leave an area (as soon as practicable) that is subject to a Foreign and Commonwealth Office travel warning advising against travel or where notice of evacuation advice has been given.
• Any claim made against you in respect of your legal liability arising out of a crisis not incurred on a school trip.
• Any fine or penalty imposed on you arising out of the crisis
• Any financial or consequential loss incurred by you other than as provided for in this insurance.

Other terms and Conditions

Geographical cover

Worldwide, but see exclusions under Crisis Management.

Period of Insurance

This is a renewable 12 month contract. Renewal will be subject to the terms and conditions in place at that time.

Margin Clause

It is hereby agreed that, in the event of a variation of more than 10% in the number of Insured Persons covered during the currency of the Policy, the Premium hereon is subject to review by the Underwriters.

Cancellation

You may cancel this insurance at any time by notifying SFS Group Ltd in writing at Crossways House, 54-60 South Street, Dorking, Surrey Rh3 2HQ.

Making a Claim

In all situations likely to lead to a claim, please call CEGA 24 hour service on +44 1243 621515

Making a Complaint

If you have any cause to complain, please contact SFS Group Ltd in the first instance. If you are still dissatisfied then please write to The Chief Executive, Equity Red Star, 52 Leadenhall St, London EC3A 2BJ. If your complaint is still not resolved then you should write to The Complaints Department, Lloyd's, 1 Lime Street, London EC3M 7HA. These procedures do not affect your statutory rights.

If you are still unhappy with any issue relating to the handling of your policy or claim, you should direct your enquiry in writing to The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9F.

Extension of cover

If an insured person has not returned to the United Kingdom before the expiration of a policy for reasons beyond their control this insurance will remain in force for a further 21 days or until return, whichever is the earlier.

Applicable Law

This insurance shall be subject to English law.

Equity Red Star

The Complete Travel Policy for Schools is underwritten by Equity Red Star Services Ltd, Library House, New Road, Brentwood, Essex CM14 4GD. Registered in England No. 2661753. Equity Red Star Services Ltd is an appointed representative of Managing Agents: Equity Syndicate Management Limited which is authorised and regulated by the Financial Services Authority. Sundicate 218 Joint Underwriters: K.J. Charlton and J.E. Josiah. Companies of Equity Insurance Group Limited.

SFTS Trustees Limited

SFTS Trustees Limited is a specialist trustee company managed by Lawrence Graham, solicitors, of 190 Strand, London SW2R 1JN, which SFS Group Ltd uses for the collection of premiums and the payment of claims. This ensures that a customer's money is protected. SFTS Trustees Limited is authorised and regulated by the Financial Services Authority, registration number 313246, and is a company registered in England No. 2538905.

SFS Group Ltd

SFS Group Ltd, the designer and administrator of the School Fees Trust Scheme, was first incorporated in 1989 and has been focused since then on providing well targeted, value for money and uniquely designed products for the schools, parents and children in independent education. SFS Group Ltd is authorised and regulated by the Financial Services Authority, registration number 311801, and is a company registered in England No. 2418802.

What to do next

If you are interested in discussing The Complete Travel Policy for Schools or our insurance cover further please contact SFS Group Ltd on 01306 746300.