Studentguard +Group Personal Accident & Travel Insurance
Summary of Cover
The purpose of this summary of cover is to provide a guide to the insurance under the policy by setting out the significant
features, benefits, limitations and exclusions. This is a summary of the policy and does not contain the full terms andconditions of the cover which can be found in the policy document. A copy of this is available upon request from the Group
Policyholder. It is important that you take time to read the policy document carefully when you receive it to make sure youunderstand the cover it provides as this summary does not form part of the policy document. The policy is underwritten byOrtus Underwriting on behalf of Canopius Managing Agents Limited.
Eligibility
This insurance is available to students (referred to as Insured Persons) of Nacel English School London Ltd (the GroupPolicyholder) for whom the appropriate premiums have been paid, whilst attending a course of study outside their country ofresidence and undertaken within the United Kingdom with the Group Policyholder. This includes cover for any incidental
holiday taken outside the United Kingdom within Europe, up to a maximum of 14 days for each student. The Policy Number
is ORT/GPAIBT/10263981.
Operative Time
Cover under Section 1 - Cancellation, Curtailment or Change of Itinerary commences as soon as the journey is booked andends when the student leaves home to commence the journey. Cover under Section 2 – Course Fees commences as soon
as the academic course is booked and ends when the student has completed their course. Cover under the other sectionscommences as soon as the student leaves home on the first day and ends when they reach home on the last day of thejourney. Cover for up to 14 days independent travel within Europe is also covered by this policy.
Significant Features and Benefits

SectionSum Insured / Limitof Indemnity*

Excess

1. Cancellation, Curtailment or Change of Itinerary (p.14)

Up to £7,500£50

2. Course Fees (p.16)

Up to £7,500£50

Up to £10 million£ 500£2,000Up to £10 million£5,000

£50
£50
£50
Nil
£50

£2,000
£ 100

£50
Nil

£
£
£
£

250
100
250250

£50
£50
£50
£50

6. Personal Liability (p.20)£2,000,000

Nil

7. Overseas Legal Expenses (p.21)£25,000

Nil*£25,000£25,000£ 5,000£25,000£25,000£25,000£25,000
Up to £25,000

Nil

3. Medical Expenses (p.17)
A Medical Expenses
A1 Emergency Dental Pain Relief Treatment
A2 Emergency Mental Health Treatment
B Emergency Repatriation Expenses
C Supplementary Travel and Accommodation Expenses

4. Personal Belongings (p.18)
A. Delayed Baggage

5. Money (p.19)
Money
Cash (coins and/or banknotes) up to:
A Fraudulent Use of Credit Cards
B Emergency Replacement of Passport and other Documents

8. Personal Accident (p.22)
Death
Loss of Sight
Loss of Hearing in one ear
Loss of Hearing in both ears
Loss of Limb(s)Loss of Speech
Permanent Total Disablement**
Permanent Partial Disablement* Death Benefit is restricted to £5,000 for persons under 16** The basis of cover for Permanent Total Disablement is Any and Every Occupation

This Insurance is provided by Canopius Managing Agents Limited (Firm reference number: 204847) and underwritten by Ortus Underwriting(Firm reference number: 590914) for Lloyd’s Syndicate 4444. Unique Market Reference: B1307C231271
Studentguard + Group Travel Summary of Cover V1

Optional Cover - Cover only applies if provided by the school and shown as insured in the policy schedule
Cover Provided

Sum Insured

ExcessNatural Disaster extension (p.31) to:
Section 1. - Cancellation, Curtailment or Change of Itinerary
Section 2. - Course Fees

Yes

As per the limit shownfor Section 1 & 2

Nil

United Kingdom Private Medical extension to:
Section 3. – Medical Expenses

No£50,000£50

Valuables extension to:
Section 4. - Personal Belongings

Yes

£300

£50

Travel and Medical AssistanceIn the event of the need for Travel Assistance or Medical Treatment, please telephone Ortus Assistance on thefollowing numbers before incurring any cost or expense. We will guide you to the best place to receive treatment
and where possible provide a guarantee of payment to the hospital or other medical facility.

From outside the United Kingdom
From within the United Kingdom+44(0)800 193 0092
0800 193 0092

Lines are open 24 Hours a day 365 days a year
Please ensure you have your Policy Number with you when calling and ask the call handler if you wish to speak inanother language other than English.

How to Claim
If you wish to make a claim under this policy in the first place, please contact the Group Policyholder to obtain a claim
form for completion. Please answer the questions on the claim form with sufficient detail so that we can settle yourclaim. Following completion of the claim form, please return it to the address that is provided at the end of the form. We
would recommend that you do not delay in submitting a claim from for review even if you do not have all the documents
to support it.
For medical and injury claims the Insured Person must place themselves under the care of a duly qualified MedicalPractitioner as soon as is reasonably possible. Please contact us on the medical treatment assistance telephone
number above so we can direct you to a suitable person.

Delayed Baggage CoverIf all or some of your Personal Belongings are lost or temporarily mislaid for more than 12 hours during any stage of an
insured journey (other than return home), you can spend up to £100 for the purchase of essential items of replacement
clothing, or toilet requisites without our prior authorisation.
It is essential that the purchase receipts are retained to enable a claim for this cover to be validated.
No Excess applies to this Extension.

This Insurance is provided by Canopius Managing Agents Limited (Firm reference number: 204847) and underwritten by Ortus Underwriting(Firm reference number: 590914) for Lloyd’s Syndicate 4444. Unique Market Reference: B1307C231271
Studentguard + Group Travel Summary of Cover V1

Significant Limitations or Exclusions(For details of all the Exclusions applicable to of each Section, please see the Policy Wording, p.27-31).

GENERAL EXCLUSIONS••••••••

War in the Insured Persons Country of Residence or secondment.
Flying other than as a passenger.
Winter sports.
Travelling on a motorcycle over 125 cc.
Suicide.
Criminal acts.
Losses incurred after the expiry of the Period of Insurance.
Losses incurred during any Incidental Holiday trip outside Europe or within Europe whose duration exceeds 14 days.

Section 1 - Cancellation, Curtailment or Change of Itinerary•
••
•
•
•
•
•

•

•

The failure to fulfil contractual obligations or the financial failure of the language school or of any transport oraccommodation provider or their agent(s).
Travelling against or planning to travel against the medical advice of a Qualified Medical Practitioner or for the purpose ofobtaining medical treatment.
Disinclination to travel or if on an Insured Journey deciding not to continue.
Violating the laws or regulations of the country in which they are travelling.
Failing to check in according to the itinerary provided unless the failure was due to Strike or industrial action.
Failing to obtain, hold, produce or maintain the required immigration, work, residence or similar visas permits or documents
for the country to which they are travelling.
Any circumstance that could have been reasonably foreseen as giving rise to a claim at the time an Insured Journey wasbooked.
As a consequence of a Natural Disaster unless the additional cover under this optional extension is shown as being
operative.
Any claim in any way caused by or resulting from COVID-19; other than when a trip is cancelled before commencement
directly and necessarily as a result of:a) Illness caused by COVID-19 of an Insured Person, or,b) an Insured Person receiving a positive diagnosis of COVID-19 following an official PCR test.
Any claim in any way caused by or resulting from the Insured Person being in a state of anxiety stress, depression or any
phobia or mental or nervous disorder.

Section 2 - Course Fees••••

•••
•
•

Travelling against or planning to travel against the medical advice of a Qualified Medical Practitioner or for the purpose ofobtaining medical treatment.
Disinclination to travel or if on an Insured Journey, deciding not to continue.
Failing to obtain, hold, produce or maintain the required immigration, work, residence or similar visas permits or documents
for the country to which they are travelling.
Any circumstance that could have been reasonably foreseen as giving rise to a claim at the time an Insured Journey wasbooked.
Redundancy or change in financial circumstances.
As a consequence of a Natural Disaster unless the additional cover under this optional extension is shown as beingoperative.
The amount of the Excess shown in the Schedule.
Any claim in any way caused by or resulting from COVID-19.
Any claim in any way caused by or resulting from the Insured Person being in a state of anxiety stress, depression or any
phobia or mental or nervous disorder.

Section 3 - Medical Expenses
••••
•••

•

Incurred when the specific purpose of the Journey is to receive medical treatment or advice.
Travelling against medical advice or where a terminal prognosis has been given.
Expenses incurred whilst on an Insured Journey within the Insured Person(s) Country of Residence.
Expenses incurred 12 months after the date the need for treatment first arises.
Surgical or medical treatment which can be reasonably delayed until the Insured Person returns to their Country ofResidence.
Medication and/or treatment which at the time of departure is known to be required or to be continued outside their Country ofResidence.
Private medical treatment in the United Kingdom unless the policy has been extended to include this cover
The amount of the Excess shown in the Schedule.

This Insurance is provided by Canopius Managing Agents Limited (Firm reference number: 204847) and underwritten by Ortus Underwriting(Firm reference number: 590914) for Lloyd’s Syndicate 4444. Unique Market Reference: B1307C221271
Studentguard + Group Travel Summary of Cover V1Section 4 - Personal Belongings•••••

Loss of Money under this Section.
Loss which is not reported to the local police or appropriate authorities within 48 hours of its discovery.
Theft of Personal Belongings from any unattended vehicle.
Loss of or damage to sports equipment (including winter sports equipment) while in use.
Loss or corruption of or damage to software, information or data contained in any computer, tapes or recording equipment or
any cost incurred in repairing or replacing such information, software data computers, tapes or recording equipment.
Any items of household furniture household appliances or household equipmen.t
Contact or corneal lenses, dentures, dental caps or crowns, hearing aids or fragile articles, or pedal cycles or laptop
computers and sporting equipment whilst in use.
Any article more specifically insured or recoverable under any other insurance.
Loss of valuables unless cover under this optional extension is shown as being operative.
The amount of the Excess shown in the Schedule.

•••••

Section 5 - Money•••••

Loss which is not reported to the local police or appropriate authorities within 24 hours of its discovery.
Theft of Money from any unattended Vehicle.
Loss or theft of a credit card, charge card or cash card which results in fraudulent use unless the Insured Person has
complied with all the terms and conditions under which the card was issued.
Coins bank or currency notes in excess of £100.
The amount of the Excess shown in the Schedule.

Section 6 - Personal Liability
••
•
•
•
•
•
•

Liability in respect of any member of the Insured Person(s) family or any person who is under a contract of service with theGroup Policyholder and which arises out of and in the course of their employment with the Group Policyholder.
Liability arising in connection with any Business profession or occupation.
Liability for loss of or damage to property belonging to or in the custody or control of the Insured Person, their family or ofany employee or agent of the Insured Person.
Liability arising from the ownership possession or use of any mechanically propelled vehicle aircraft hovercraft orwatercraft.
Liability arising out of the use of firearms.
Liability involving animals other than domestic cats and dogs and horses.
Liability which is the result of any wilful malicious or unlawful act.
Any punitive or exemplary damages.

Section 7 - Overseas Legal Expenses••••••••

If the Insured Person does not keep to the terms, conditions and exceptions under Legal Expenses.
Where the Insured Person is more specifically insured under another policy or in respect of any amount which the Insured
Person cannot recover from a more specific insurance because the insurer of that insurance refuses the claim.
Relating to driving a motor vehicle without a valid licence and/or insurance.
Costs and Expenses incurred prior to Our written acceptance of a claim.
Costs and Expenses which have been incurred by the Appointed Representative on a contingency fee basis.
In respect of any legal action an Insured Person takes which We have not agreed to or where an Insured Person does
anything to hinder Us or the Appointed Representative.
Acts deliberately or intentionally caused by the Insured Person or as a result of the Insured Person(s) criminal act.
Any fines, penalties, compensation or damages which the Insured Person is ordered to pay by a court or other authority.

Section 8 - Personal Accident•••

Any gradually operating cause.
Any naturally occurring condition or degenerative process.
Illness or disease unless caused by an Accident.

This Insurance is provided by Canopius Managing Agents Limited (Firm reference number: 204847) and underwritten by Ortus Underwriting(Firm reference number: 590914) for Lloyd’s Syndicate 4444. Unique Market Reference: B1307C221271
Studentguard + Group Travel Summary of Cover V1

Duration of Policy
The policy arranged by the Group Policyholder will remain in force for 12 months from agreed commencement date and isannually renewable thereafter. The duration of the policy for Insured Persons is shown under the Period of Cover section.

Right of Cancellation
The Group Policyholder and Insured Person’s have no cancellation rights under the terms of this policy.

Complaints Procedure
If You wish to make a complaint in relation to Your Policy, Our contact details are:Complaints, Canopius Managing Agents Limited, Floor 29, 22 Bishopsgate, London, United Kingdom, EC2N 4BQ
Telephone: +44 (0)20 7337 3700
Email: A&Hcomplaints@canopius.com and Complaints@canopius.com
If We have responded to Your complaint and You are still not satisfied, You may ask the Complaints Department at Lloyd’s toreview Your complaint (this would not affect Your rights to take legal action if necessary). Lloyd’s contact details are:
The Complaints Team, Fidentia House, Walter Burke Way, Chatham Maritime, Chatham, Kent, ME4 4RN
Telephone: +44 (0)207 327 5693 Fax: +44 (0)207 327 5225
Email: complaints@lloyds.com
Lloyd’s Website: www.lloyds.com/complaints

If You Remain Dissatisfied
If You are dissatisfied with Lloyd’s Final Response, You may (if eligible) be able refer Your complaint to the Financial
Ombudsman Service. You must do this within 6 months of receiving Lloyd’s Final Response. The Financial Ombudsman
Service’s contact details are:Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14 9SR
Telephone: 0800 023 4567 (calls are free from landlines and mobile phones) / 0300 123 9123 (calls to this number cost no
more than calls to 01 and 02 numbers) / +44 (0)207 964 0500 (for calls outside the UK)
Email: complaint.info@financial-ombudsman.org.uk

Financial Services Compensation Scheme (FSCS)
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from thescheme if We cannot meet Our obligations. This depends on the type of business and circumstances of the claim. Most
insurance contracts are covered for 90% of the claim with no upper limit.
Further information is available from the FSCS or You can visit their website at www.fscs.org.uk.
Contact Details:Freephone: 0800 678 1100 or 020 7741 410 (Lines are open Monday to Friday 08.30 to 17.30 excluding public holidays).
Address: Financial Services Compensation Scheme, 10th Floor, Beaufort House, 15 St Botolph Street, London EC3A 7QU.

This Insurance is provided by Canopius Managing Agents Limited (Firm reference number: 204847) and underwritten by Ortus Underwriting(Firm reference number: 590914) for Lloyd’s Syndicate 4444. Unique Market Reference: B1307C221271
Studentguard + Group Travel Summary of Cover V1