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Group Travel Insurance - Volcano Cases
As you will be aware from recent press coverage the vast majority of travel policies provide cover against travel delay and trip abandonment due to specified events. However, delay or abandonment due to volcanic eruption/volcanic ash contamination is not one of these insured events.
We want to provide members with some practical assistance and have drafted some template wordings (see below) that members may use in their communication with airlines. This may not fit every circumstance but hope that it will provide some guidance.
Although we have already confirmed the situation in terms of the insurance policy cover, we have worked very hard with Millstream Underwriting Ltd to find a way in which we can assist members with some of their additional expenses. The good news is that we have been able to agree an ex-gratia travel delay indemnity of up to £100 per person (capped at £300 per family). This is subject to the member providing documentary evidence of their flight being delayed for more than 24 hours as a result of the disruption between 15th April and 21st April inclusive.
If you have any queries, please don't hesitate to contact either of us.
Kind regards,
Phil & Steve
Philip Williams & Co.
Tel No 01925 604421
The Merseyside Police Federation Group Insurance Scheme is negotiated and arranged for the benefit of subscribing Federation Members and eligible Police Staff by the Joint Branch Board.
We believe that the scheme gives cover in the areas needed most by our members and offers great value for money. Cover refers to the subscribing member only unless otherwise stated.
The notes here are guide but you are advised to access the policy document for full detail and restrictions of cover available.
Click here to view the Full Policy
The core Scheme offers
Officers and Eligible Police Staff £100K life cover, with options for a further £25K and £50K to a maximum of £150,000. Cover includes a terminal prognosis benefit of 20% of sum insured.
Partners and spouses £50K life cover, with options for a further £12,500 and £25K to a maximum of £75,000. Cover includes a terminal prognosis benefit of 20% of sum insured.
Up to £100,000 where permanent total disablement occurs due to an accident
Up to £60,000 where a member suffers a permanent loss of sight of one or two eyes, the use of one or more limbs at or above the wrist or ankle or the permanent total loss of hearing or speech, or suffers an HIV.AIDS infection as a result of an on duty incident.
If Optional Partner/Spouse life cover has been taken this includes £5,000 Critical Illness cover for the person covered.
Planned admission after first 3 nights £50 per night
Click here for policy document.
As you will be aware from recent press coverage the vast majority of travel policies provide cover against travel delay and trip abandonment due to specified events. However, delay or abandonment due to volcanic eruption/volcanic ash contamination is not one of these insured events.
We want to provide members with some practical assistance and have drafted some template wordings (see below) that members may use in their communication with airlines. This may not fit every circumstance but hope that it will provide some guidance.
Although we have already confirmed the situation in terms of the insurance policy cover, we have worked very hard with Millstream Underwriting Ltd to find a way in which we can assist members with some of their additional expenses. The good news is that we have been able to agree an ex-gratia travel delay indemnity of up to £100 per person (capped at £300 per family). This is subject to the member providing documentary evidence of their flight being delayed for more than 24 hours as a result of the disruption between 15th April and 21st April inclusive.
If you have any queries, please don't hesitate to contact either of us.
Kind regards,
Phil & Steve
Philip Williams & Co.
Tel No 01925 604421
The Merseyside Police Federation Group Insurance Scheme is negotiated and arranged for the benefit of subscribing Federation Members and eligible Police Staff by the Joint Branch Board.
We believe that the scheme gives cover in the areas needed most by our members and offers great value for money. Cover refers to the subscribing member only unless otherwise stated.
The notes here are guide but you are advised to access the policy document for full detail and restrictions of cover available.
Click here to view the Full Policy
Life Insurance
Life cover is available under the scheme for yourself and for your partner.The core Scheme offers
Officers and Eligible Police Staff £100K life cover, with options for a further £25K and £50K to a maximum of £150,000. Cover includes a terminal prognosis benefit of 20% of sum insured.
Partners and spouses £50K life cover, with options for a further £12,500 and £25K to a maximum of £75,000. Cover includes a terminal prognosis benefit of 20% of sum insured.
Half Pay Supplement
In the event that you are reduced to half pay you may be eligible to a benefit equivalent to 20% of your scale pay, payable for 26 weeks where half pay applies and a further 4 weeks should you be placed to no pay - payment will cease if the member returns to work or leaves the Force.Personal Accident Insurance
£21 per week for each week you away from the workplace due to a Temporary Total Disablement caused by an accident , excluding the first 7 days and to a maximum of 104 weeks.Up to £100,000 where permanent total disablement occurs due to an accident
Up to £60,000 where a member suffers a permanent loss of sight of one or two eyes, the use of one or more limbs at or above the wrist or ankle or the permanent total loss of hearing or speech, or suffers an HIV.AIDS infection as a result of an on duty incident.
Critical Illness
Member cover includes £10,000 critical illness cover (member only) and £2000 Child critical illness cover.If Optional Partner/Spouse life cover has been taken this includes £5,000 Critical Illness cover for the person covered.
Hospitalisation Benefit up to 5 nights
Accident/incident/emergency admission £50 per nightPlanned admission after first 3 nights £50 per night
Sick Pay Benefit when pay cut to half
20% of Scale pay for 26 weeks of half pay and 4 weeks of no pay
Legal Expenses Insurance
This policy provides a full telephone legal advice service on certain legal matters and will also provide cover for Legal Costs, this extends to cover your spouse/permanent partner, your children or parents if normally resident with you. Includes ID Theft Protection.
Emergency and Injury Dental Benefit
Home Emergency Assistance
RedArc Family Cover
Financial Advice
You are covered under this policy for free financial advice on a range of issues including mortgages, tax, investment, debt, wills etc, call the Federation office for details
Travel Insurance
This policy covers the member; their spouse/permanent partner and dependant children up to age 21. This is worldwide cover for a 30-day duration - If you are travelling for more that 30 days, contact the Federation. All exclusions are contained in the policy document.Click here for policy document.