Aircrew Legal Protection

Summary of Cover for Cabin Crew

Underwritten 100% by Brit Syndicate 2987 at Lloyd's

Contents

Policy Summary
Significant Features and Benefits
Significant Exclusions or Limitations
The duration of the insurance policy
The price of the insurance policy
How to make a claim
Your right to cancel
Compensation
Jurisdiction
If you have a complaint

Policy Summary

This document is a summary of the Aircrew Legal Protection insurance product and provides details of the main benefits and limitations of the insurance. The summary does not contain the full terms, exclusions and conditions of the insurance policy which can be found within the policy document.

Aircrew Legal Protection is a Legal Expenses insurance policy to provide cover to individuals who are employed as air crew, licensed aircraft engineers or air traffic controllers against Legal Expenses incurred arising out of claims or legal proceedings in respect of this activity.

The insurance policy is a claims made insurance, which means it will only respond to claims or matters that could give rise to a claim involving you and which you notify to the insurer in writing during the period of insurance stated in the schedule attaching to the insurance policy.

The application form that you complete will state what limits are available to purchase for this insurance. Depending on what limit you decide to purchase this will be specified in the schedule attaching to the insurance policy and the insurer will pay up the maximum amount stated for any one claim and the overall aggregate for all claims notified during the period of the insurance policy.

Legal Expenses include any fees, expenses and other disbursements reasonably incurred by the solicitor that will represent you in any claim under the insurance policy

The insurer is Brit Insurance Limited and the insurance has been arranged for you through Aircrew Legal Protection Limited. Aircrew Legal Protection Limited is the agent of the insurer and has the authority from the insurer to provide you with the Aircrew Legal Protection insurance policy and to make decisions on the insurer's behalf in the administration of the insurance. Your Aircrew Legal Protection insurance policy will be issued direct to you by Aircrew Legal Protection Limited.

Brit Insurance Ltd and Aircrew Legal Protection Ltd are authorised and regulated by the Financial Services Authority.


Significant Features and Benefits

The Aircrew Legal Protection insurance policy provides you with cover for the payment of Legal Expenses relating to the following situations which arise as a result of your employed activity as a pilot or other aircrew member:

* Representation at an enquiry established by a statutory authority concerned with administration, management, education or training which you are required or requested to attend.
* Representation at a public or private hearing held by a government authority into any accident or occurrence in relation to any aircraft in which you may be involved.
* The defence of a claim made against you arising out of and in the course of your employment.
* The pursuit of any claim against your employer.
* The pursuit of your legal rights against a third party in civil law to obtain compensation due to any injury you have suffered.


A benefit of the Aircrew Legal Protection insurance policy is a 24 hour 365 days a year Telephone Legal Helpline service provided by the insurer. You will be provided with the telephone number and information on what details to quote in order to access this service within the insurance policy. The service is provided within the insurance premium you have paid other than the cost of the telephone call.


Significant Exclusions or Limitations

The full list of all exclusions are as stated under the heading "Exclusions" within the insurance policy. The significant exclusions applicable to the insurance and for which cover is not provided are as follows (the numbers shown relate to the numbers within the insurance policy):

1. The defence of any civil legal proceedings arising from;

(a) Death or injury to any person including sickness, disease or any naturally occurring condition or degenerative process except in relation to the cover provided under the significant features and benefits stated above.

(b) Loss, destruction or damage to property owned, occupied or under the control of a third party, except in relation to the cover provided under the significant features and benefits.

3. Legal Expenses incurred before the Claims Administrator consent has been granted in writing.

4. Any claim in connection with or arising from any cause, event or circumstance occurring prior to or existing at the inception of the insurance policy which you knew or ought reasonably to have known may give rise to a claim or legal proceedings by or against you.

11. Legal Expenses in connection with Judicial Review or reference to the European Court of Justice.

16. Any claims or legal proceedings in respect of representation at any Service Board of Inquiry or Court Martial.

17. Any claims or legal proceedings relating to the flying of any aircraft outside the course of your employed activity as a pilot or aircrew member.

Condition 4.3 of the full insurance policy requires there to be reasonable prospects of a successful defence or pursuit of any claim under this insurance.


The duration of the insurance policy

The insurance policy will normally be for a period of 12 months. The schedule attaching to the policy wording will state the actual period of insurance.


The price of the insurance policy

The premium applicable will be as stated on the application form and will depend on the limit that you decide to purchase. Insurance premium tax at the rate prevailing at the time will be charged in addition to the premium.


How to make a claim

All claims under this insurance are handled on behalf of the insurer by their Claims Administrator, ARAG plc

You must notify the Claims Administrator in writing immediately you are aware of any cause, event or circumstance which has or could give rise to a claim or legal proceedings which involves you. This policy only covers claims notified in writing to the Claims Administrator during the period of insurance as stated in the schedule attaching to the insurance policy. A claim form will be sent to you, and you must complete and return this form immediately.

The Claims Administrator must agree all claims in writing before any Legal Expenses are to be incurred. Only Legal Expenses which the Claims Administrator has expressly agreed to will be covered by this insurance.

Your right to cancel

You have the right to cancel the Aircrew Legal Protection insurance policy within 14 days of the date of you receiving the insurance policy document with a full refund of the premium.

To exercise your right to cancel please give written notice to Aircrew Legal Protection Ltd.


Compensation

The insurer is covered by the Financial Services Compensation Scheme ("FSCS"). You may be entitled to compensation from the scheme if the insurer cannot meet its obligations. This depends on the type of business and the circumstances of the claim. Further information about compensation scheme arrangements is available from the FSCS.

The Financial Services Compensation Scheme
7th Floor Lloyd's Chambers
Portsoken Street
London E1 8BN

Telephone 020 7892 7300

Jurisdiction

This policy shall be governed by and construed in accordance with the laws of England and Wales.


If you have a complaint

The insurer is committed to providing a first class service at all times. If, however, a complaint arises, then this should be addressed in the first instance to:

Aircrew Legal Protection Ltd
2 Liddon Road
Chalgrove
Oxford
OX44 7YH

Telephone: 01865 890 247

Email: alpl@alpl.com

If the complaint is not resolved to your satisfaction, then the matter may be referred to:

Policyholder and Market Assistance
Lloyd's Market Services
One Lime Street
London
EC3M 7HA 
Telephone: 0207 327 5693 Facsimile: 0207 327 5225 

Email: complaints @Lloyds.com

If a complaint remains unresolved, you may request that the Financial Ombudsman Service review the case provided that the complaint falls within its jurisdiction. The Financial Ombudsman Service can normally deal with complaints from private individuals and small businesses with an annual turnover of less than £1 million (for a group of companies, this means a group annual turnover of less than £1 million). The Financial Ombudsman Service can also help with complaints from charities with an annual income of less than £1 million, and from trusts with a net asset value of less than £1 million.The address is:

Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR

Telephone: 0845 080 1800
www.financial-ombudsman.org.uk

The Financial Ombudsman's Service decision is binding upon the insurer, but you are free to reject it without affecting your legal rights.