ABI Code of Practice
Under the Association of
British Insurers General Business Code of
Practice, we must draw your attention to
some important features of your insurance
Insurance document. You should read this carefully. It gives full details of what is and is not covered and the conditions of the cover.
Conditions and exclusions. Specific Conditions and Exclusions apply to individual Sections of your insurance, whilst General Exclusions and Conditions will apply to the whole of your insurance.
Health. This insurance contains restrictions regarding pre-existing medical problems concerning the health of the people travelling and of other people upon whose health the trip depends. You are advised to read the document carefully.
Property claims. These claims are paid based on the value of the goods at the time you lose them and not on a 'new for old' or replacement cost basis.
Limits. This insurance has limits on the amount we will pay under each Section. Some Sections also include other specific limits, for example, for any one item or for valuables in total.
Excesses. Under some sections of this insurance, claims will be subject to an excess. This means you will be responsible for paying the first part of the claim. The excesses apply separately to each section and to each person claiming, unless otherwise stated.
Date change exclusion. Changes in dates could see widespread failures of computer and other systems containing computer chips, which depend on date-related information in order to work properly. Your policy excludes anything directly or in-directly caused by failure of any computer hardware or software or other electrical equipment to recognise or process any date as the true calendar date.
Reasonable care. You need to take all reasonable care to protect yourself and your property, as you would if you were not insured.
Dangerous sports and pastimes. If you are going to take part in dangerous sports or pastimes where there is a risk of injury, check that this insurance covers you.
Customer service. We always try to provide a high level of service. However, if you think we have not lived up to your expectations, please refer to the Complaints Procedure.
Cooling-off period. This insurance contains a 14 day 'cooling off' period during which you can return it and get a refund if you have a justifiable reason for being dissatisfied with the cover, provided no claims have been made and you have not travelled.
Data Protection Act
Your information (including information we already hold and may receive now and in the future as well as information about lapsed policies) may be held on a group database and may be shared with other Atlas Group companies. This will allow us to reflect all the connections that you have with the Atlas Group. We may disclose your information to agents and service providers appointed by us (such as loss adjusters, approved contractors, market research and quality assurance companies). Your information will be used for general insurance administration purposes. It may also be used for offering renewal, research and statistical purposes and crime prevention. We may also transfer your information to any country including countries outside the European Economic Area for any of these purposes and for systems administration.
The Data Protection Act 1998 defines sensitive data as information about your racial or ethnic origin, political opinions, religious beliefs or beliefs of a similar nature, trade union membership, physical or mental health condition, sexual life, criminal record, pending court proceedings or sentence or alleged offence. The information referred to above may include sensitive data.
With limited exceptions, you have a right to access and if necessary rectify the information that we hold about you.
In January 2005, new regulation came into
force governing the sale of Insurance in the
UK - meaning that most sales of general
insurance and pure protection insurance are
regulated by the Financial Services
Atlas are authorised and regulated
by the Financial Services Authority (FSA) -
our reference number is 314698, and our
permitted business is insurance mediation
You can read more about how the FSA
regulates insurance by
You can also read our KeyFacts Initial
Disclosure Document -