Treating Customers Fairly - Long Stay Travel Insurance

Statement of Intent COE Connections International are totally committed to providing our customers with the highest possible standards of service. As we are regulated by the Financial Services Authority, we fully support their initiative of ‘Treating Customers Fairly’. We and our Underwriters, who provide the travel insurance cover by Underwriting our schemes, will ensure that customers are treated fairly at all times whilst adding that further element of common sense and flexibility, to ensure customers have the exemplary service over and above.

We will at all times
encourage you to talk to us – it is often easier to get to the bottom of any complications in a very difficult market
provide you with clear and full details of all our travel insurance products via our website
ensure you are fully aware of your choices
upon contact, find out your personal circumstances and requirements prior to suggesting any products or services to you
refer you to the Underwriters Complaints procedures

You can help us by

providing full information including potential and possibly unforeseen problems so we can advise accordingly
ensuring you fully understand our individual products and the differences between each product
checking the validity of your documents after purchase through our fully automated system
ensuring you have read and fully understand the procedures set out by Underwriters in their Policy Wording

We are at your service.

Please refer to the Underwriters policy wording for the full list of insured Hazardous Pursuits

Cancellation or Curtailment Charges Up to £2,000 Loss of Deposit: Up to £2,000	Excess: £100 Excess: £100
Medical and Other Expenses Costs due to injury or illness including up to £5,000,000 for medical and emergency dental treatment plus additional transport and accommodation expenses.	Excess: China £200 Worldwide £100
Hospital Confinement Benefit Hospital In-Patient Benefit: Up to £1,000	Excess: Nil
Personal Possessions Loss or damage of luggage/personal effects up to £750, including Suitcases, trunks and containers of a similar nature, plus articles worn or carried subject to the following limits: Up to £150 any single article Up to £150 in total for valuables	Excess: £100

Cancellation or Curtailment Charges Up to £5,000 Loss of Deposit: Up to £5,000	Excess: £50 Excess: £50
Medical and Other Expenses Costs due to injury or illness including up to £10,000,000 for medical and emergency dental treatment plus additional transport and accommodation expenses.	Excess: China £200 Worldwide £50
Hospital Confinement Benefit Hospital In-Patient Benefit: Up to £1,000	Excess: Nil
Personal Possessions Loss or damage of luggage/personal effects up to £2,000, including Suitcases, trunks and containers of a similar nature, plus articles worn or carried subject to the following limits: Up to £300 any single article Up to £300 in total for valuables	Excess: £50
Personal Accident Death benefit: Up to £5,000. For persons aged under 16, the death benefit is limited to£1,000. Injury compensation: Up to £25,000, for loss of limbs, eyes, or permanent total disablement from engaging in or attending to any kind of profession or occupation.	Excess: Nil
Missed Departure Up to £500	Excess: £50
Personal Money Lost or Stolen: Up to £500 Cash Limit: Up to £100	Excess: £50
Loss of Passport, Tickets, Documents Up to £500	Excess: £50
Personal Liability Up to £2,000,000	Excess: £250
Legal Expenses Up to £10,000	Excess: Nil
Course Fees Up to £5,000	Excess: £50