DOGTAG Travel Insurance Cycling Extension For policies issued between 01/09/2023 to 31/08/2024This policy is for residents of the United Kingdomand the Channel Islands only.This extension has been specially arranged and is administered on behalf of DOGTAG by tifgroup.DOGTAG and tifgroup are trading names of Travel Insurance Facilities Plc, which is authorised and regulated by the Financial Conduct Authority FRN:306537. These details can be checked on the Financial Services Register at:www.fca.org.ukUnless otherwise stated your policy is insured by Collinson Insurance. Collinson Insurance is a trading name of Astrenska Insurance Limited who is authorised by the Prudential Regulation Authority and regulated by the Financial ConductAuthority and Prudential Regulation Authority. Their Financial Services Register Number is 202846. These details can be checked on the Financial Services Register at: www.fca.org.uk3CYCLING EXTENSION INFORMATIONABOUT YOUR CYCLING DIVING EXTENSIONThis booklet is an extension of your main DOGTAG Travel Insurance Policy Wording.Please Note: This extension will only apply if you have paid the appropriate additional premium and it is listed on your policy certificate. All the things we told you about in the main policywording will also apply to this extension.This booklet provides details of the extra cover you have if the appropriate additional premium has been paid. It will also tell you about any new terms and conditions that apply.This extension booklet forms part of the contract of insurance between the underwriters, Collinson Insurance and those people specified on your policy certificate and must be read togetherwith the main policy wording and your policy certificate. Please check your policy certificate carefully to ensure the cover you have purchased meets your needs. This contract is only valid whenyou have a valid policy certificate and have paid the appropriate premium.Both we and you are entitled to choose the law applicable to the insurance. We propose English Law and in the absence of any agreement to the contrary, English Law will apply.This policy is insured by Collinson Insurance. Collinson Insurance is a trading name of Astrenska Insurance Limited who is authorised by the Prudential Regulation Authority and regulated by theFinancial Conduct Authority and Prudential Regulation Authority. Their Financial Service Register Number is 202846. These details can be checked on the Financial Services Register websitewww.fca.org.uk.FRAUDIf a claim is found to be fraudulent in any way, including use of fraudulent means to obtain any benefit, this policy shall become void meaning it no longer exists from the date of the fraudulentclaim and the premium paid will be lost. Any benefits received by you for any claim found to be fraudulent, must be repaid to us. We may inform the police or the appropriate authorities of thecircumstances.RESIDENTIAL ELIGIBILITYTo be eligible to purchase this policy your home address must be in the UK and you must be registered with a General Practitioner in the UK.SUMS INSURED AND EXCESSESEach section of the policy has a limit on the amount we will pay for each insured person, called the sum insured. Claims under most sections of the policy will be subject to an excess, which alsovaries by level of cover. The sums insured, inner limits and excess amount for each section are set out in the Cover Table. Please check the Cover Table against your policy certificate to ensurethe level of cover you have purchased meets your needs.Excesses apply for each claim logged with us, for each section of the policy you are claiming under and for each insured person who is making a claim. When we are settling a claim directly withyou, we will deduct the excess from the claim payment before you receive it. Where we are settling claims directly with a medical provider or other supplier, you will be responsible for paying usthe excess.FINANCIAL SERVICE COMPENSATION SCHEMEWe are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the FSCS, if we are unable to meet our obligations. More information can beobtained from the www.fscs.org.uk website.4MAKING A CLAIMFirst, check your policy certificate and the appropriate section of your policy wording to make sure that what you are claiming for is covered. You can set up a claim online or by telephone, youmust ensure that you have all relevant documents and any receipts, please see claims evidence below.• Online collinson.claimhere.co.uk or via the customer area https://quote.dogtag.co.uk/secure?action=memberlogin• Telephone 0333 005 1087All claims must be submitted within 60 days of your return from your trip. You must assist us in providing all requested information, including completing any requested forms, or you mayexperience a delay in the processing of your claim. When claims settlements are made by BACS (Bank Automatic Clearing System) or other electronic banking system method, you will beresponsible for supplying us with the correct bank account details and your full authority for us to remit monies directly to that account. Provided that payment is remitted to the bank accountdesignated by you, we shall have no further liability or responsibility in respect of such payment, and it shall be your sole responsibility to make collection of any misdirected payment in theevent of incorrect details having been provided to us.Claims & assistance services are administered by Collinson Insurance Services Ltd.24-hour Emergency Medical AssistanceYou must contact the medical emergency service once you know you will be in a medical facility for at least 24 hours• Telephone 0333 005 1088Depreciation Table – the table below sets out the amount deducted from your claim.Age of Property Cycling Equipment0-1 month 5%1-6 months 10%6 – 12 months 15%1 – 2 years 35%2 – 3 years 55%3 - 4 years 70%4 – 5 years 80%6 years + 100%5CLAIMS EVIDENCEBefore a claim can be paid, you may be asked to provide supporting documentation to validate cover and the circumstances of the loss. The table below sets out what documentation you maybe asked to provide. Depending on the details of each claim we may ask for additional or different supporting documentation to that listed below.Section(s) DocumentationAll Sections - Policy Certificate.- Proof that you booked travel and accommodation, such as a booking invoice.If you have to hire a bicycle and/or cycling equipment, If your bicycle and/or cycling equipmentis lost, stolen or accidentally damaged.- A police report or written report from your accommodation or travel provider detailingyour reported loss- A police report for any lost/stolen item(s)- Property irregularity report from an airline- Written confirmation from the airline or travel company stating the length of delay- Proof of ownership and value of items claimed for such as receiptsESSENTIAL TRAVEL & FOREIGN, COMMONWEALTH AND DEVELOPMENT OFFICE TRAVEL ADVISORIES• Essential Travel / Foreign, Commonwealth and Development Office (FCDO) travel advisories. From time to time the FCDO will advise to only undertake essential travel to a particulardestination. If your trip is not essential and you choose to travel contrary to the FCDO’s advice, we will only cover a claim if the cause is not linked to the reason for the advice. This limitationapplies even if you have purchased an optional trip disruption upgrade. You may be able to travel with full cover if we authorise in writing that your trip is essential before you depart. Pleasenote there is no cover under this policy if other government regulations or actions are in place restricting travel (see Government Restrictions below).If the FCDO have advised against all travel to your destination, there is no cover under this policy apart from the Cancelling Your Trip section in the Large-Scale Events optional upgrade.6GENERAL DEFINITIONSThe words listed below when shown in bold text will always have the meaning set out below.HomeThe address where you live in the United Kingdom, Channel Islands or Isle of Man and where you are registered with a General Practitioner.Home CountryThe United Kingdom, Channel Islands or the Isle of ManImmediate RelativeYour mother, father, sister, brother, spouse, civil partner, fiancé/e, your children (including adopted and fostered), grandparent, grandchild, parent-in-law, daughter-in-law; sister-in-law, son-in-law, brother-in-law, aunt, uncle, cousin, nephew, niece, step-parent, step-child, step-brother, step-sister or legal guardian.Medical PractitionerA registered practicing member of the medical profession who is not related to you or to a travelling companion or is anyone you are intending to stay with.Policy CertificateThe document issued by us which sets out the names of the insured persons, area of cover, level of cover, type of policy, period of insurance, additional cover options and any other specialconditions and terms used to confirm the correct cover is in place when a claim is made.Public TransportA company operating under a licence to carry passengers, working to a published timetable and /or published fares. This includes but is not necessarily limited to airlines, taxi firms, coach, ferryand rail operators.Travelling CompanionThe person you have booked to travel with on the trip but not insured on the same travel insurance policy and their immediate relative.TripA single journey that begins and ends in the United Kingdom, starting when you leave your home address to travel to your departure point to begin your journey. The start and end dates whencover under all sections of this policy applies, (except for Cancelling Your Trip), are detailed on your policy certificate for single trip policies or in the case of annual multi trip policies, is theduration limit of each single journey taken in a 12-month period.In certain circumstances cover will cease at a different time to the stated end date on your policy certificate or your stated duration limit. For clarification, cover under your trip ends:• At midnight on the end date shown on your policy certificate even if you have not returned home, unless you have purchased an Annual Multi trip policy and you renew yourpolicy while on your trip (your total trip duration including the renewed policy cannot exceed the maximum limit). This does not apply if you are unable to return home due toa claimable event, when your policy automatically extends; or• For Annual Multi Trip policies, at midnight of the day you reach your stated maximum policy trip duration; or• When you return to your home address in the UK even if this is before your booked return date.• Upon your admission to a hospital or medical facility in the UK if we are repatriating you home under the Emergency Medical Expenses Section of your main policy. Cover endseven if this is before your booked return date, or before your trip is due to end.UKYour home country and place of residence as stated in the Residential Eligibility.WarArmed conflict between nations, invasion, act of foreign enemy, hostilities (whether war declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.We / Us / OurCollinson Insurance.You / Your / Insured PersonEach person named on the Policy Certificate.7COVER TABLEThis table shows you what cover is available under this insurance policy extension and is subject to the terms, conditions and exclusions already mentioned in the main policy and detailed in theindividual policy sections. Please be aware that if your circumstances do not fit those described, then there is no cover in place.The amounts shown under ‘We will pay up to’ are the maximum amounts payable under each policy section for each insured person. Please note: Some sections have individual item limits, orlimits to the amount paid per period; please refer to the individual policy sections for these limits.The ‘Excess’ is the amount that will be deducted from your claim for each insured person. This will mirror the Excess on your main policy.Cover We will pay up to ExcessYour Cycling Extension Sections of Cover SectionBicycle and Cycling Equipment Hire- If you have to hire a bicycle and/or cycling equipment – per 12 hours CY1 £200 Nil- If you have to hire a bicycle and/or cycling equipment – maximum CY2 £1,000 NilBicycle and Cycling Equipment- If your bicycle and/or cycling equipment is lost, stolen or accidentally damaged CY3 £5,000 As per your main policyTrip Disruption During Your Trip- If you cannot use your bicycle for more than 12 hours – Hire or Replacement Travel Expenses CY4 £200 Nil- If you need roadside recovery CY5 £200 As per your main policy- If you have to collect your bicycle after you have returned home – Travel and Accommodation Expenses CY6 £500 As per your main policy- If you have to collect your bicycle after you have returned home – Storage Costs CY7 £250 As per your main policy- If you are unable to participate on the date of an event CY8 £300 As per your main policy8CYCLING EXTENSION SECTIONS OF COVERCycling Extension DefinitionsThe following list of definitions apply specifically to the Cycling Extension sections of cover and appear in bold throughout. See also General Definitions for the meaning of other bolded words.BicycleAny cycle, including a mountain bike, powered by human pedalling.Cycling EquipmentCycling specific: helmets, hats or caps, shoes, overshoes, jerseys or vests, base layers, gilets, gloves, glasses and goggles, jackets, shorts, bib shorts, bibs, biblongs, tights, trousers, socks, warmers,compression clothing, backpacks, water bottles and cages, hydration packs, cycling lights, cycle luggage, panniers, saddle bags, cycling tools, cycling armour and guards, spare wheel.UnattendedWhen not in transit where you or anyone travelling with you, who has your authority to be in control of your personal baggage, are not in full view of your property, or are not able to stop athird party from taking or interfering with your property. While in transit baggage (excluding gadgets and valuables and electronic equipment) must be held in a hold or luggage area as requiredby the public transport carrier.Cycling Extension ExclusionsThe following apply to all Cycling Extension sections of cover.You are not covered for the following:1. Where applicable, the excess for each section.2. More than the maximum sum insured for each section. See the Cover Table.3. When you are unable to provide the documentation we ask for to support your claim. Please refer to the Claims Evidence section.4. Claims if you travel against government restrictions which have been put in place to prevent or limit travel from where you live in the UK or to the destination you are travelling to. Ifyou have travelled against the advice of the Foreign, Commonwealth and Development Office (FCDO) and there are no other government restrictions in place, cover is limited to claimswhere the cause is not linked to the reason for the FCDO advisory. See information on Essential Travel.5. Claims caused by any government taking action to restrict travel, such as, but not limited to, locking down a geographical region, closing borders, or making travel illegal.6. There is no cover if you bought this policy or booked your trip (whichever is last) if you were aware at the time of an event that led to you making a claim.7. We will not be held liable to provide cover or make any payments or provide any service or benefit to any insured person or other party to the extent that such cover, payment,service, benefit and/or business or activity of the insured person would violate any trade or economic sanctions law or regulation.8. Any claim where property is lost or damaged due to radioactive contamination, the use of, release of, or a threat to use any nuclear device, chemical, or biological weapon.9. Any claim arising from war and war like activities whether declared or not.9CY1-CY2 Bicycle and Cycling Equipment Hire – If you have to hire a bicycle and/or cycling equipmentIf this happened: There is no cover for:If your bicycle and/or cycling equipment is lost, stolen or accidentally damaged during yourtrip or delayed by at least 12 hours, you can claim for the cost of hiring replacement bicycleand/or cycling equipment up to the sum insured.For cover to apply for delay, you must be able to evidence the length of time your bicycleand/or cycling is delayed by obtaining a report from your carrier or if your claim relates to loss,theft or accidental damage you must have a valid claim under the Bicycle and CyclingEquipment Section.You must keep all receipts for the items you have hired.1. Claims for hiring replacement items when you cannot provide a receipt.2. Anything listed under the Cycling Extension Exclusions.CY3 Bicycle and Cycling Equipment – If your bicycle and/or cycling equipment is lost, stolen or accidentally damagedIf this happened: There is no cover for:This section covers you for bicycle and/or cycling items owned or hired by you that are lost,stolen or accidentally damaged during your trip up to the sum insured.Cover is provided for bicycle and/or cycling equipment that is lost, stolen or accidentallydamaged on the trip after a deduction is made for wear, tear and loss of value (see theDepreciation Table) and a limit is applied to each single item. This limit is £2,500.1. Claims for loss or theft not reported to the police, the cruise operator or carrier within24 hours and a written report obtained.2. Items left unattended.3. Loss, damage, or delay caused by confiscation or detention by Customs or other officials orauthorities.4. Anything listed under the Cycling Extension Exclusions.CY4 Trip Disruption During Your Trip – If you cannot use your bicycle for more than 12 hoursIf this happened: There is no cover for:Under this section we will pay up to the sum insured to contribute towards the cost of hiring areplacement bicycle in the event that your bicycle cannot be used for 12 hours or more due todamage caused by an accident, mechanical failure or if it was stolen during your trip.1. Claims for costs after the bicycle has been repaired and can be ridden.2. The cost of the repairs to your bicycle.3. Costs where you cannot produce receipts for your additional expenditure.4. Anything listed under the Cycling Extension Exclusions.CY5 Trip Disruption During Your Trip – If you need roadside recoveryIf this happened: There is no cover for:Under this section we will pay up to the sum insured towards the cost of transporting you andyour bicycle by public transport, taxi or public hire car back to you trip accommodation if yourbicycle becomes irreparable whilst you are riding it away from your trip accommodation duringyour trip.1. Costs where you cannot produce receipts for your additional expenditure.2. Anything listed under the Cycling Extension Exclusions.10CY6-CY7 Trip Disruption During Your Trip – If you have to collect your bicycle after you have returned homeIf this happened: There is no cover for:In the event that you are taken ill, injured or died, or if the repairs or recovery of your bicyclecould not be completed in time and you had to return home without your bicycle. This sectioncovers you up to the sum insured for you, or someone on your behalf, to go and collect yourbicycle after you have returned home.This section will also pay up to the amount shown in the Cover Table, for the cost of storagefees incurred.1. Claims related to illness, injury or death where you do not have a valid claim under the ‘Ifyou need emergency medical treatment abroad’ section of your main policy.2. Claims related to the repair or recovery of your bicycle where you cannot produce anyverification that your bicycle was still awaiting repair/recovery at the point you were due toreturn home.3. Costs where you cannot produce receipts for your additional expenditure.4. Anything Specifically listed in the Cycling Extension Exclusions.CY8 Trip Disruption During Your Trip – If you are unable to participate on the day of an eventIf this happened: There is no cover for:If you have a valid claim under the ‘Cancelling Your Trip’ or ‘Cutting Short Your Trip’ Section ofyour main policy for unexpected illness, injury or death we will pay for the unused entry feesfor a cycling event you have paid or are contracted to pay provided these costs are notrefundable from any other source.1. Claims where you cannot provide written confirmation from the organisers, trainers or theresort management confirming the unused event fees.2. Anything listed under the Cycling Extension Exclusions.11MAKING A COMPLAINTIf your complaint relates to the sales literature, the way in which your policy was sold to you, the Medical Screening Service or regarding information about your policy, please contact:Complaints ManagerDOGTAG Complaints1 Tower ViewKings HillWest MallingKentME19 4UYEmail: complaints@tifgroup.co.ukTelephone: 0333 005 1086Open: 9am – 5pm Monday – FridayIf your complaint relates to a claim, or assistance you received whilst travelling, please contact:Quality DepartmentCollinson Insurance Services LimitedSussex HousePerrymount RoadHaywards HeathWest SussexRH16 1DNEmail: Complaints@collinsoninsurance.comTelephone: 0333 005 1087Our promise of service – We will aim to provide you with a full response within 4 weeks of the date we receive your complaint, and our response will be our final decision based on the evidencepresented. If for any reason there is a delay in completing our investigations, we will explain why and tell you when we hope to reach a decision. In any event, should you remain dissatisfied orfail to receive a final answer within 8 weeks of us receiving your complaint, you may have the right to refer your complaint to an independent authority for consideration. That authority is:Financial Ombudsman Service (FOS)Exchange TowerHarbour Exchange SquareLondonE14 9SREmail: complaints.info@financial-ombudsman.org.ukTelephone: (Landline) 0800 0234 567 or (Mobile) 0300 1239 123More information can be found on their website – www.financial-ombudsman.org.uk. Please note that if you wish to refer this matter to the FOS you must do so within 6 months of our finaldecision. You must have completed the above procedure before the FOS will consider your case. Your legal rights are not affected.12DATA PROTECTIONHow we use the information about youAs an insurer and data controller: We collect and process information about you so that we can provide you with the products and services you have requested. We also receive personalinformation from DOGTAG, a trading name of Travel Insurance Facilities Plc, on a regular basis while your policy is still live. This will include your name, address, health information, risk detailsand other information which is necessary for us to:- Meet our contractual obligations to you.- issue you this insurance policy.- deal with any claims or requests for assistance that you may have; service your policy including claims and policy administration, payments, and other transactions); and detect,investigate, and prevent activities which may be illegal or could result in your policy being cancelled or treated as if it never existed.- Protect our legitimate interests.Some of the personal information that you provide may be sensitive information. This includes details about your health or medical records. Where we need your consent to collect and processyour sensitive information, this will be obtained from you at the relevant time. Please note that, in these cases, we may not be able to sell you an insurance policy or deal with a claim if you donot agree to us processing relevant sensitive information.In order to administer your policy and deal with any claims, your information may be shared with trusted third parties. This will include members of The Collinson Group, contractors,investigators and claims management organisations where they provide administration and management support on our behalf. Some of these companies are based outside of the EuropeanUnion where different Data privacy laws apply. Wherever possible, we will have strict contractual terms in place to make sure that your information remains safe and secure.We will not share your information with anyone else unless you agree to this, or we are required to do this by our regulators (e.g. the Financial Conduct Authority) or other authorities.The personal information we have collected from you will be shared with fraud prevention agencies and databases who will use it to prevent fraud and money-laundering and to verify youridentity. If fraud is detected, you could be refused certain services, finance, or employment. Further details of how your information will be used by us and these fraud prevention agencies anddatabases, and your data protection rights, can be found by visiting www.cifas.org.uk/fpn and www.insurancefraudbureau.org/privacy-policy/.Processing your data:Your data will generally be processed on the basis that it is: necessary for the performance of the contract that you have with us; is in the public or your vital interest: or for our legitimatebusiness interests. If we are not able to rely on the above, we will ask for your consent to process your data.How we store and protect your information:All personal information collected by us is stored on secure servers which are either in the United Kingdom or European Union. We will need to keep and process your personal informationduring the period of insurance and after this time so that we can meet our regulatory obligations or to deal with any reasonable requests from our regulators and other authorities. We alsohave security measures in place in our offices to protect the information that you have given us.How you can access your information and correct anything which is wrongYou have the right to request a copy of the information that we hold about you. If you would like a copy of some or all of your personal information, please contact us by email or in writing asshown below.Data Protection Officer, Sussex House, Perrymount Road, Haywards Heath, West Sussex, RH16 1DNEmail: data.protection@collinsongroup.com.We may make a reasonable charge for this service or refuse to give you this information if your request is clearly unjustified or excessive. We want to make sure that your personal informationis accurate and up to date. You may ask us to correct or remove information you think is inaccurate. If you wish to make a complaint about the use of your personal information, please contactour Date Protection Officer using the details above. You can also complain directly to the Information Commissioner’s Office (ICO). Further information can be found at https://ico.org.uk.V1 DOGTAG CYCLING EXT SEPT23