Travel Insurance
Insurance Product Information Document
Company: Canopius Managing Agents Limited

Product: Studentguard + Group Travel InsuranceThis Insurance is provided by Canopius Managing Agents Limited (Firm reference number: 204847) and underwritten by Ortus
Underwriting for Lloyd’s Syndicate 4444. (Firm reference number: 305958). Canopius Managing Agents Limited whose registeredoffice is Floor 29, 22 Bishopsgate, London, United Kingdom, EC2N 4BQ is authorised by the Prudential Regulation Authority andregulated by Financial Conduct Authority and the Prudential Regulation Authority.
This document contains some important facts about the Studentguard + Group Travel Insurance. It is to be regarded as only asummary of cover to help assist you in making an informed purchase decision. It is not personalised to the specific needs of insured
persons. Full terms and conditions of the policy are contained in the policy wording available from the language school (the GroupPolicyholder). Please take time to read the policy document to make sure you understand the cover it provides. A copy is available(in English) for inspection from the Group Policyholder.
What is this type of insurance?
This is a group travel insurance policy held by the language school and made available to students undertaking courses provided
by the language school. The policy covers you whilst you are travelling outside your home country to undertake a language course
provided by the Group Policyholder in the United Kingdom plus incidental and connected holiday travel outside of your homecountry undertaken within Europe for up to 14 consecutive days.

What is insured?
For each insured person

Up to Cancellation costs and additional costs
incurred if you alter or curtail your trip
for a specific reason shown in the policy£7,500 Travel Delay. A benefit of- £20 after each 12 hours of delay£1,000 Course fees that are not recoverable if
you are forced to cancel the course fora specific reason shown in the policy£7,500 Medical, Repatriation & additional
travel expenses Incurred whilst on
covered trip

£10 million

 UK Private Medical expenses*£50,000

 Relief of pain dental expenses£500

 Loss or damage to:
Personal Belongings
Valuables*
Personal Money & credit cards
Cash£2,000£300£250£100 Delayed Baggage emergency purchases£100 Personal Liability - Legal liability for third
party injury/illness or property damage£2,000,000 Overseas legal expenses£25,000

 Personal Accident: Bodily injury resulting in:- Accidental Death£25,000- Loss of Limbs/Sight£25,000- Permanent Total Disablement£25,000*These items are optional extensions. There is no cover forthese items unless included and shown as insured in thepolicy schedule.
Full details of all the benefits covered and limits are shownin the policy document.

Studentguard + Group Travel Policy IPID – ORT/EBGBLT/2023V1

What is not insured?

 Claims caused by the failure of the language school, transport
or accommodation provider or their agents to fulfil theircontractual obligations
 Claims due to you failing to obtain and hold, the correct travel
documents for your trips
 Claims as a result of a natural disaster (unless cover theoptional extension is included*) Claims due to a change in your financial circumstances oryou deciding not to travel
 Claims for an event known about before the trip booking
 Claims where you travel or intend to travel against the
medical advice of a doctor or where you are travelling toobtain medical treatment
 Medical Expenses incurred in the United Kingdom that are
not charged by the National Health Service unless the private
medical expenses extension is included Medical treatment known to be required or to be continued
before you leave on your trip, or can reasonably be delayed
until you return home or undertaken more than 12 months
after the need for treatment first arises
 Loss or damage to sports equipment whilst in use
 Theft of your property or money from an unattended vehicle
 Personal Liability arising from your contractual liability, use offirearms, mechanically propelled vehicles, watercraft racing,or whilst carrying out your business, trade or profession
 Personal Accident claims from a gradually operating cause
 Claims under all sections arising from, flying as a pilot,
travelling on a motorcycle with an engine over 125cc, suicide,
participation in winter sports or criminal act
 In respect of Sections 1 and 2 of the Policy Schedule, thisInsurance does not cover any claim caused by or resulting
from COVID-19 (as defined) other than as specifically statedfor Section 1
 In respect of Sections 1 and 2, this Insurance does not cover
any claim caused by or resulting from the Insured Person
being in a state of anxiety stress, depression or any phobia or
mental or nervous disorder.
For a comprehensive list of all of the Policy Exclusions of thisInsurance, please see the Policy Wording.

Are there any restrictions on cover?







An excess amount of £50 as shown in the policy schedule is not covered. This excess does not apply if theschedule shows ‘Nil’
Loss/theft of property, money must be reported to the police within 48 hours of discovery
Loss or damage to your sports equipment is covered unless this happens whilst you are using the items
Items of household furniture, household appliances or household equipment are not regarded as personal
property covered under this insurance
If your credit, charge or cash card is lost or stolen, you must comply with the issuers’ terms and conditions
We will only pay one of the benefits under the Personal Accident section arising from an event covered and thedeath benefit is limited to £5,000 for persons under 16 years of age

For a comprehensive list of all of the Policy Conditions of this Insurance, please see the Policy Wording.
Where am I covered (Geographical Limits)?
 You are covered from when you travel outside of your home country to the United Kingdom and- whilst in United Kingdom for the purpose of undertaking the language course, and- whilst travelling within Europe for a maximum period of 14 days undertaken directly before, after or during the period
over which the language course is provided for pleasure, rest and relaxation purposes.
What are my obligations?
 You and any other person covered must be under 75 years of age when any trip commences and have booked toattend a language course with the school/educational establishment that is providing this cover If you need medical treatment and/or repatriation, Ortus Assistance must be contacted as soon as possible on+44(0)800 193 0092 (available 24 hours a day), for authorisation, assistance and the management of the costs. They
will guide you to the best place to receive treatment and if possible guarantee the expense. Please let the call handler
know if you wish to discuss your claim in a language other than English and tell them the policy number.
 We require a claim form to be completed for all non-medical assistance claims no later than 60 days after the event andreturned to us at the address shown on the claim form/policy document. This form is available from the group
policyholder on request. The claim may be rejected if it is so long after the even that we are unable to investigate fully You must provide the supporting documents, police or carrier reports and other evidence we ask for to deal with yourclaim at your own expense. Please send the completed form to us even if you do not have all the supporting documents
ready so that we may record the claim and give you a claim number
 In the event of a claim for loss of course fees you must ensure that this section of the claim form must be completed by
the group policyholder before we will consider the claim When applying for insurance and making a claim you must take care to answer the questions asked honestly andaccurately
 You must consent to release of your medical records and to be medically examined if required by us If you need to cancel your trip you must not delay in notifying the language school plus the transport andaccommodation providers, so that their charges are kept to a minimum.
 If you are notified that that you have injured someone or damaged their property whilst on a trip and they are seeking
damages or you have a legal summons, you must tell us immediately.
Failure to meet your obligations could result in a claim being rejected, a reduction in the amount we pay or the cancellationof your policy.
When and how do I pay?
Premiums are payable in full to the language school (as the group policyholder) with whom you have booked your course.
They will advise details of when payment is due and the payment options available to you.
The language school pays us in accordance with the agreement we have with them.
When does the cover start and end?
Once the policy with the Group Policyholder has started, Cancellation cover for you starts on the date the trip toundertake the course is booked and ends when this trip begins.
Cover under all other policy sections begins when you depart from your home country and ends when you return to yourhome country.
How do I cancel the contract?
You have no right to cancel this policy, only to be no longer be covered by it. To withdraw from the policy please contact
the group policyholder.
The policy may be cancelled by us by giving 30 days written notice to the group policyholder.

Studentguard + Group Travel Policy IPID – ORT/EBGBLT/2023V1