Cheap Student Travel Insurance from 1Stop Travel Insurance

Key Benefits

Medical Expenses	Cancellation	Baggage	Legal Expenses	Missed Departure
£3,000,000	£2000	£1000	£25,000	£800

Full Policy Details - Backpacker Travel Insurance

Schedule of Benefits | Activities Covered | Dates | Destinations | Age Groups | Our Insurer
Are You Eligible to Buy this Policy? | Initial Disclosure | Full Policy Wording

Schedule of Benefits - Backpacker Travel Insurance

Backpacker Policies - Schedule of Benefits
Section	Description	Backpacker Cover Limit	Excess per Insured
A	Cancellation and Curtailment	Up to £2,000	£75 (£25 Loss of deposit)
B	Emergency Medical Expenses and other expenses Including emergency assistance Services	Up to £3,000,000	£125
C	Hospital Benefit	NO COVER	N/A
D	Personal Accident Loss of limbs or sight Permanent Total Disablement Death benefit Death benefit All benefits	Max Benefit £10,000 £10,000 (aged under 46) £10,000 (aged under 46) £5,000 (aged 18 to 45) £1,000 (aged under 18)	N/A
E	Baggage, Baggage Delay and Passport Single Item Limit Valuables Limit in total Unreceipted Items Limit Unreceipted Single Item Limit Passport Delayed Baggage	Up to £1,000 £150 £150 £300 £50 Up to £100 NO COVER	£75   N/A
F	Personal Money and Documents Cash Limit Cash Limit (aged under18) Documents Limit	Up to £200 £200 £50	£75
G	Personal Liability	Up to £2,000,000	£250
H	Delayed Departure	NO COVER	N/A
I	Holiday Abandonment	Up to £2,000	£75
J	Missed Departure	Up to £800	£75
K	Catastrophe Cover	NO COVER	N/A
L	Mugging Benefit	NO COVER	N/A
M	Withdrawal of Services	NO COVER	N/A
N	Pet Care Cover	NO COVER	N/A
O	Dynamic Packaging Protection	NO COVER	N/A
P	Overseas Legal Expenses and Assistance	Up to £25,000	£250

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Activities Covered

Grade 1 - No Additional Charge
Archery (amateur)
Badminton (amateur)
Baseball (amateur)
Basketball (amateur)
Beach games
Bungee jump (1)
Camel / Elephant Riding (incidental)
Canoeing (Up to Grade 3)
Clay pigeon shooting
Cricket (amateur)
Cycling (other than specified)
Dinghy sailing
Fell walking
Fencing
Fishing
Football (amateur)
GAA Football (amateur)
Golf (amateur)
Hiking (under 2,000 metres altitude)
Hockey (amateur)
Horse riding (up to 7 days, No Polo, Hunting or Jumping)
Jet boating
Jet skiing
Jogging
Manual Work (bar and restaurant, waitress, waiter, chalet, maids, au pair and nannies and occasional light manual work including retail work and fruit picking but excluding working at height, building/construction work, the use of power tools and machinery)
Marathon running (amateur)
Netball (amateur),
Non manual work (including professional administrative or clerical duties only)
Orienteering,
Outwardbound pursuits,
Paintballing
Parasailing (over land, non incidental)
Parascending/Parasailing (over water)
Pony trekking
Racquetball
Rambling
River canoeing up to Grade 3
Roller skating
Roller blading
Rounders
Rowing
Running-sprint/long distance (amateur)
Safari (Ireland/UK organised)
Sail boarding
Sailing within territorial waters
Scuba diving* up to 30 metres if qualified and not diving alone or accompanied by a qualified instructor (see notes below).
Skate boarding
Snorkelling
Squash (amateur)
Surfing (amateur, under 14 days)
Tennis (amateur)
Tour Operator Safari
Track Events
Trekking (under 2,000 metres altitude)
Volleyball (amateur)
War Games
Water Polo (amateur)
Water Skiing (amateur)
White Water rafting (Grade 1 to 3)
Windsurfing (amateur)
Yachting (racing/crewing inside territorial waters)
*Scuba diving - scuba diving to the following depths. Provided you are diving under the direction of an accredited dive marshal, instructor or guide. Alternatively, if qualified, within the guidelines of the relevent diving or training agency or organisation and not diving alone: PADI Open Water - 18 metres PADI Advanced Open Water - 30 metres BSAC Ocean Diver - 20 metres BSAC Sports Diver - 30 metres BSAC Dive Leader - 30 metres We must agree with any equivalent qualification. If you do not hold a qualification, We will only cover You to dive to a depth of 18 metres. You will not be covered under this Policy if you travel by air within 24 hrs after participating in scuba diving.

 

Grade 2 - The Following Activities Can be Covered for an Additional Premium Call 0844 482 0808 For Details
Boxing Training (no contact)
Bungee Jump (up to 3 additional)
Black Water Rafting (Grade 1 to 4) Life jacket and helmet must be worn
Camel/Elephant Riding / Trekking (non incidental)
Cycle Touring
Go Karting (specific use)
Horse Riding (no Polo, Hunting Jumping)
Hot Air Ballooning (non incidental)
Hurling (amateur)
Jet Skiing (non incidental)
Martial Arts (training only)
Mountain Biking
Parascending (over water, non incidental)
Rambling/Trekking between 2,001m and 4,000m
Safari (non-UK organised)
Scuba Diving* non Incidental up to 50 metres if qualified and not diving alone or accompanied by a qualified instructor and not diving alone (see notes below)
Sea Canoeing
Sea Fishing (non incidental)
Surfing (amateur)
Tandem Skydive (up to 2 jumps maximum)
Triathlon
White Water Rafting - Grade 4,
Waterskiing/Windsurfing/Snorkelling (non incidental)
*Scuba diving - scuba diving to the following depths, provided you are diving under the direction of an accredited dive marshal, instructor or guide. Alternatively, if qualified, within the guidelines of the relevant diving or training agency or organisation and not diving alone: PADI Open Water - 18 metres PADI Advanced Open Water - 30 metres* BSAC Ocean Diver - 20 metres BSAC Sports Diver - 35 metres* BSAC Dive Leader - 50 metres* We must agree with any equivalent qualification. If You do not hold a qualification, We will only cover You to dive to a depth of 18 metres. You will not be covered under this Policy if you travel by air within 24 hrs after participating in scuba diving.

 

Grade 3 - The Following Activities Can be Covered for an Additional Premium Call 0844 482 0808 For Details
Absailing
American Football (amateur)
Gliding
Kayaking
Paragliding
Rugby (amateur competition)
Sand Yachting
Yachting (racing / crewing) - outside territorial waters

 

Grade 4 - The Following Activities Can be Covered for an Additional Premium Call 0844 482 0808 For Details
Canyoning
Hang Gliding
High Diving under 5m (amateur, excluding cliff diving)
Horse Jumping (no Polo, Hunting)
Kite Surfing
Micro Lighting
Parasailing
Rock Climbing (under 2,000m)
Rock Scrambling (under 4,000m)

 

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Dates

Date:	Definition:
Departure or Start Date	This is the date that insurance cover begins
Return or End Date:	The date you return home from your trip
Duration:	This is the period that the insurance is operative

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Destinations

Area:	Definition:
UK/Channel Islands/Ireland	The United Kingdom, Channel Islands, Isle of Man and the Republic of Ireland
Europe	The continent of Europe west of the Ural mountains, Madeira, Canary Islands, Iceland, The Azores, Mediterranean Islands and non-European countries bordering the Mediterranean (excluding Algeria, Israel, Lebanon and Libya)
Australia & New Zealand	Australia and New Zealand
Worldwide ex USA/Can/Caribbean	Anywhere in the world excluding USA, Canada and the Caribbean
Worldwide	Anywhere in the world (including USA, Canada and the Caribbean)

Travel advice - Channel Islands

On the 31 March 2009 the Reciprocal Health Agreement between the UK and Channel Islands governments ended.

Under this reciprocal agreement, residents of the UK mainland or Channel Islands had been eligible to receive free medical treatment. From 1 April 2009, only emergency treatment in Accident and Emergency will be provided free of charge.

Therefore, from 31 March 2009 onwards UK residents travelling to (or passing through) the Channel Islands and Channel Island residents travelling to (or passing through) the UK will require medical insurance cover.

We recognise the importance of providing emergency medical expense cover to UK residents travelling for business and holidays to the Channel Islands and to Channel Island residents travelling for business and holidays to the UK and our policy will continue to provide this cover with effect from 1 April 2009.

For further information on our product range and for a competitive quote please
contact us on 0844 482 0808

Please Note: Travel Insurance is not a substitute for a Private Medical Insurance policy and will not provide cover for elective treatment or for those referred to the UK for specialist treatment. Our Travel Insurance policy is designed to provide cover in the event of an unforeseen bodily injury or illness occurring whilst on a holiday or business trip outside your home country.

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Age Groups

Group:	Definition:
Adults	Any person aged 18 to 75
Children aged 0-17	Any person aged between 0 and 17 years travelling with a parent or guardian living at the same address
Couple (2 adults aged 18-65)	means the first named Insured Person and either their fiance(e), spouse/partner who is normally resident at the same address.
Family (2 adults aged 18-65)	means up to two adults and up to 5 of their children, step children or foster children aged under 19, accompanying the parents or legal guardian insured on the same policy travelling on any Trip to the same destination. Under annual multi trip cover either adult is also insured to travel on their own.
Family (1 adult aged 18-65)	means one adult and up to 5 of his/her children, step children or foster children aged under 19, accompanying the parent insured on the same policy travelling on any Trip to the same destination. Under annual multi trip cover the adult is also insured to travel on their own.

 

Maximum Age Limits
Single Trip - 75 years
Annual Multi Trip - 65 years
Backpacker - 45 years

 

Unaccompanied Children
If you wish to insure an unaccompanied child please call us on 0844 482 0808

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Our Insurer

1Stop Travel Insurance have arranged this through 1Stop Travel Insurance who are authorised to issue travel insurance under Master Certificate Number AV/DRA/OS/STAMBPV01/2007

This policy has been arranged by Avid Insurance Services Limited, 46-48 East Smithfield, London E1W 1AW who are an Appointed Representative - FSA Firm Ref. No. 440536 of Strategic Insurance Services Limited who are authorised and regulated by the Financial Services Authority - FSA Firm Ref. No. 307133.

This policy is provided by AXA Travel Insurance Ltd and underwritten by Inter Partner Assistance, IFSRA registration number NL 161, with its registered address at 10-11 Mary Street, Dublin 1, Ireland. Inter Partner Assistance is a branch of Inter Partner Assistance S.A., Avenue Louise 166 bte1, 1050 Brussels, a Belgian company authorised by the Banking, Finance and Insurance Commission of Belgium, registration 0487. All companies are members of the Global AXA group.

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Are You Eligible to Buy this Policy?

This policy is only available to you if you are permanently resident in the United Kingdom and registered with a Medical Practitioner in the United Kingdom and have been for the past six months, prior to date of issue of your policy.

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Initial Disclosure

Welcome to 1Stop Travel Insurance

We have arranged this cover with travel insurance specialist Drakefield Insurance Services Limited (FSA registration No 312317).

For your piece of mind cover is underwritten with a member of the Axa Group – one of the UK and Europe’s largest insurance groups.

 

We recommend that you print and retain this page with your policy certificate.

1. 1Stop Travel Insurance is arranged through Drakefield Insurance Services Limited who are authorised and regulated by the Financial Services Authority firm reference 312317. You may check our details by visiting the FSA website http://www.fsa.gov.uk/register or by calling the FSA on +44 (0)845 606 1234.

2. Drakefield Insurance Services Limited is a wholly owned subsidiary of Drakefield Holdings Limited, part of the AA Group of companies. Drakefield Insurance Services Limited is registered in England & Wales, company number 03588184. Our registered office is Fanum House, Basing View, Basingstoke, RG21 4EA and our place of business is West Wing, 6 Miles Gray Road, Basildon, Essex SS14 3HJ.

3. Further information about 1Stop Travel Insurance can be obtained from 0844 482 0808 or enquiries@1stoptravelinsurance.co.uk

4. When buying travel insurance through this site you will not receive advice or a recommendation from us for travel insurance. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed. We may charge a different premium to customers who buy through our Call Centre. This reflects the higher transaction cost involved. If you require a printed certificate and policy booklet we will charge you £3.50 on top of the premium quoted.

5. If we have not met your expectations and you wish to register a complaint please contact us in any of the following ways: -

• By writing to the Operations Manager, 1Stop Travel Insurance

• By telephoning us on 0844 482 0808

• By email at the following address customerservices@enquiries@1stoptravelinsurance.co.uk

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. You can find further information by visiting the FOS website at www.fos.org.uk or calling them on +44 (0) 845 080 1800.

6. We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS.

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