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Travel Insurance

Personal Accident and Business Travel Policy



ACE European Group Ltd/Axis Speciality Europe Ltd




Liverpool Hope University


Hope Park, Liverpool, L16 9JD


1 August 2016 to 31 July 2017 (Both Dates Inclusive)

The University provides personal accident and travel insurance for staff and students travelling on University business / study related trips outside the UK.  The policy provides cover for payment for loss or damage to personal belongings, business equipment or money, expenses for medical treatment and associated costs, reimbursements of cancellation costs, legal expenses and indemnity in respect of legal liability as more particularly described in individual sub-sections.

For full details of the policy including the policy wording and Schedule please email

Applying for Insurance

Currently the University does not charge Departments / Schools / Faculty for the cost of this cover, however, you are required to notify the Insurance Section of any travel in advance. Please email (giving as much notice as possible) with the following information: 

  • The names of those people travelling,
  • The travel destination,
  • The inclusive travel dates, and
  • A copy of your signed Risk Assessment. Further information on Overseas Travel and Risk Assessments is available here

On receipt of the above information, the details of your travel shall be recorded internally and you will be emailed the relevant policy details, including your AONProtect Assistance Card (which includes the emergency contact number).

Booking Travel

For travelling on University business outside the UK, bookings (including flights, hotels, trains and airport pickups) shall be made with either Key Travel or Selective Travel Management.

Prior to booking your travel you should consult the Insurance Section if any of the following matters apply:

1. Incidental Holiday Travel – Your policy includes insurance for ‘Incidental Holiday Travel’.  This is defined within the policy as ‘any holiday taken in conjunction with a Journey made primarily for Business purposes’, however, you are advised to contact the Insurance Section prior to travel to ascertain whether or not your particular holiday travel will be covered.

2. Pre-existing Medical Conditions - Your policy includes cover for medical expenses arising out of complications resulting from a pre-existing medical condition, however, our Insurers will not pay in respect of any claim as a result of you travelling or intending to travel against the advice of a Qualified Medical Practitioner.

3. Extreme Sports / Hazardous Activities – Activities of this nature may not be covered and you are advised to contact the Insurance Section.

4. Note on EHIC Cards - The European Health Insurance Card (EHIC) allows you to access state-provided healthcare in all European Economic Area (EEA) countries and Switzerland at a reduced cost or sometimes free of charge.  Travelling with an EHIC card is not a requirement of our Personal Accident and Business Travel policy, however, we highly recommend that if you are entitled to one, that you apply and carry one with you.  Further information on EHIC cards is available here:

5. Foreign and Commonwealth Travel Advice – You are advised to consult the Travel Advice section of the Foreign & Commonwealth Office website frequently and prior to travelling to ensure that there are no advisory warnings in place:  If travel is advised against then you must seek approval from the Insurance Section and your trip organiser prior to travel.  Please contact us if you have any queries with regards your destination.

The policy is worldwide, however the University shall be required to notify our insurers for travel to any country where the Foreign Office advises against all travel or all but essential travel.  For information, at the date of writing the Foreign Office advises against all travel to; Afghanistan, Burkina Faso, Burundi, Central African Republic, Chad, Democratic Republic of the Congo, Iraq, Libya, Mali, Mauritania, Niger, Palestinian territories, Somalia, South Sudan, Syria, Tunisia and Yemen.  In addition, those countries subject to sanctions - Crimea, Cuba, Iran, North Korea, North Sudan, Sudan and Syria and those for reasons of war/disturbed areas -  Afghanistan, Iraq, Syria and Somalia.  Please check with the Insurance Section for up-to-date information.

6. Any travel, i.e. business travel or student placements which are due to last for more than 12 months.