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Keyfacts

For an annual premium of just £23.40 including Insurance Premium Tax

MILO Personal Accident Insurance provides a tax free sum of £150,000 if, through an accident you lose permanently the sight in one or both eyes, or the use of one or both hands.

The money may be used for essential re-training, specialist equipment, or to provide an income or in any way you choose.
- The Insurance is underwritten by certain syndicates at Lloyd's and administered by Burnett & Associates plc.

MILO Personal Accident Insurance Summary

The following summary does not contain the full terms and conditions of the contract and does not form part of your contract of insurance. These can be found in the Certificate, Schedule and any attaching Endorsements.

About your Insurance...

This Insurance is underwritten by the Association of Underwriters known as Lloyd's, led by Syndicate 5000.
The following is a summary of the benefits available. The Schedule will show which of these benefits are applicable and the actual cover provided in respect of each Insured Person.

Compensation payable in respect of Accident

  1. Permanent Total Loss of Sight of One or Both Eyes

  2. Loss of One or More Arms

The Period of Insurance will be shown in the Schedule provided to you when you arrange the cover.

Cancellation...

This Insurance is cancelable within 14 days if you feel it does not meet your needs. A full refund will be allowed if the Certificate and Schedule are returned to the Agent shown therein within 14 days, provided no claims and no trips have commenced.

Claims...

If you believe that you have a claim under this Insurance, you should notify:
Claims Administrators
Cassidy Davis Insurance Services Ltd
21 Perrymount Road
Haywards Heath
West Sussex, RH16 3TP.
Tel: (UK) 01444 450550

When you notify a claim you will need the Certificate Number shown in the Schedule.

Compensation...

Lloyd's insurers are covered by the Financial Services Authority's Compensation Scheme.

You may be entitled to compensation from the Scheme if a Lloyd's insurer is unable to meet its obligations to you under this contract.
If you were entitled to compensation under the Scheme, the level and extent of the compensation would depend on the nature of this contract.

Further information about the Scheme is available from:
Financial Services Compensation Scheme
7th floor Lloyd's Chambers
Portsoken Street
London E1 8BN
Website: www.fscs.org.uk

Law Applicable to the Insurance...

The parties are free to choose the law applicable to the Insurance Contract. Unless specifically agreed to the contrary this insurance shall be subject to English Law and English Courts alone shall have jurisdiction in any dispute arising hereunder.

Complaints...

Any complaint should be addressed in the first instance to:

The Compliance Officer
Burnett & Associates plc
39-41 Victoria Road
Woolston
Southampton
SO19 9DY

If you are not satisfied with the way that a complaint has been dealt with please contact:

Compliance Officer
St Paul Travelers Syndicate Management Ltd
60 Gracechurch Street
London EC3V 0HR

In the event that you remain dissatisfied and wish to take the matter further you can do so at any time by referring to the Complaints Department at Lloyd's. The contact details are:

Complaints Department
Lloyd's
One Lime Street
London EC3M 7HA
Tel: 020 7327 5693
Fax: 020 7327 5225
E-mail: complaints@lloyds.com

Complaints that cannot be resolved by the Complaints Department at Lloyd's may be referred to the Financial Ombudsman Service. Further details will be provided at the appropriate stage of the complaints process.
This complaint procedure is without prejudice to your right to take legal proceedings

Exclusions

This Insurance does not cover: -

  • The Insured Person whilst engaged or taking part in military,air force or naval service or operations (other than reserve or volunteer training).
  • The Insured Person whilst engaged or taking part in aeronautics or aviation, other than as a passenger.
  • The Insured Person whilst engaged or taking part in mountaineering or rock climbing normally involving ropes and/or guides.
  • The Insured Person whilst riding or driving in any kind of race.
  • Any claims arising directly or indirectly caused or contributed to by the Insured Person's intentional self-injury, suicide or attempted suicide, provoked assault, fighting (except in bona fide self-defence), or from the Insured Person's own criminal act, or whilst engaged or taking part in civil commotions or riots of any kind.
  • Any claims consequent on war, invasion or civil war except whilst the Insured Person is travelling outside the United Kingdom.
  • Any claims in any way caused or contributed to by an act of terrorism involving the use or release or the threat thereof of any nuclear weapon or device or chemical or biological agent.

For the purpose of this exclusion an act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purposes or reasons including the intention to influence any government and/or to put the public, or any section of the public, in fear.

  • Any claims occasioned by or occurring while the Insured Person is in a state of insanity temporary or otherwise.
  • Any claims arising out of any condition caused by, prolonged by, or aggravated by any psychiatric, mental or nervous disorder of the Insured Person, including anxiety and/or depression.
  • Any claims arising out of or consequent upon or contributed to by radioactive contamination.