Buddy Diving Insurance - Summary of cover

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	Summary of cover

Cancellation & Curtailment - Up to Ł5,000
If you have to cancel or cut short your trip due to illness, injury, redundancy, jury service, and damage to your home, or police request following burglary, you are covered against loss of travel and accommodation costs.

Personal Accident - Up to Ł25,000
A cash sum for accidental injury resulting in death, loss of sight, loss of limb or permanent disablement.

Medical Expenses - Up to Ł5 million
To cover the cost of a diving emergency including Search & Rescue costs up to Ł50,000 and Hyperbaric Chamber costs, as well as other medical emergencies including the 24 hour service of International Medical Rescue. Also hospital and medical fees and, if necessary, repatriation costs.

Hospital Benefit - Up to Ł1,000
An additional benefit of Ł15 per day for each day you spend in hospital abroad as an in-patient.

Baggage, Personal Effects, Diving and Winter Sports Equipment - Up to Ł1,500
Covers accidental loss of or damage to your baggage, personal effects of Dive equipment up to the sum insured, subject to a limit of Ł250 for any one article and Ł250 for valuables.

Winter Sports Equipment covered up to Ł400 subject to a limit of Ł350 in respect of own skis, snowboards, boots, poles or bindings under 5 years old.

Money - Up to Ł500
Money, travel tickets and travellers cheques are covered against accidental loss or theft (Cash limit Ł250).

Loss of Passport - Up to Ł250
If you lose your passport whilst abroad you are covered for additional travel and accommodation costs incurred in obtaining a replacement.

Legal Expenses - Up to Ł25,000
To enable you to pursue your rights against third party following injury.

Travel Delay - Up to: a) Ł150 b) Ł5,000

a)	If your first outward or first return trip is delayed for more than 12 hours due to adverse weather conditions, mechanical breakdown or industrial action - Ł20 benefit, then Ł10 for each subsequent 12 hour delay.
b)	The cost of the trip up to Ł5,000, if you elect to cancel after 12 hours.

Missed Departure - Up to Ł800
Additional travel and accommodation expenses incurred to enable you to reach your destination if you arrive too late at your outward departure point due to failure of public transport or mechanical failure or accident involving the car in which you are travelling.

Personal Liability - Up to Ł2 million
Covers your legal liability for injury or damage to other people or their property, including legal expenses (subject to English Law).

Dive Pack
To pay up to Ł200 in respect of dive pack costs should you become ill or suffer an injury, which renders you unable to dive in the opinion of a medical practitioner.

Hire of Dive Equipment
To pay up to Ł300 for the cost of hiring Dive Equipment as a result of accidental loss or theft or damage, or temporary loss in transit for more than 12 hours, of your own Dive Equipment.

Hi-Jack - Up to Ł500
If you are prevented from reaching your scheduled overseas destination as a result of hijack you may claim Ł50 for each full 24 hoursT delay.

Hire of Skis
To pay up to Ł150 for the cost of hiring skis, snowboards, or boots as a result of accidental loss or theft or damage, or temporary loss in transit for more than 12 hours of your own equipment.

Disclosure of Material Facts
All material facts must be disclosed to the underwriting agents. Failure to do so may affect your rights under the insurance. A material fact is a fact likely to influence the underwriting agents in the acceptance or assessment of the insurance (for example, your own state of health or that of a close relative). If you are in any doubt as to whether a fact is material then for your own protection it should be disclosed.

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Buddy is a division of John Holman & Sons Limited - Lloyd's Brokers. Registered in England - Number 2858300
John Holman & Sons Ltd is authorised and regulated by The Financial Services Authority

Š John Holman & Sons Limited