POLICY SUMMARY FOR PASSENGERS
PASSENGER PROTECTION POLICY FOR INSOLVENCY COVER IN
RESPECT OF THE UK REGULATIONS 2018, DIRECTIVE (EU) 2015/2302 OR
THE LOCAL APPLICABLE LAW IN THE COUNTRY OF RESIDENCE ON
PACKAGE TRAVEL & LINKED TRAVEL ARRANGEMENTS
This Policy Summary is not a contract of insurance. It outlines the cover under the policy.
PARTIES INVOLVED
Policyholder: Bike Alive Ltd
Insured Person(s): The person(s) having made a payment or on whose behalf a payment has been
made to the Policyholder for Package Travel or Linked Travel Arrangements. The Insured Person is
the beneficiary under this policy, but they are not a contracting party under this policy.
The insurance cover provided under this policy has been arranged for the Policyholder by
International Passenger Protection Ltd. Cover is provided by Liberty Mutual Insurance Europe SE
UK Branch, as the insurer.
WHO IS THE INSURER?
This policy is underwritten by Liberty Mutual Insurance Europe SE through its United Kingdom
branch.
Liberty Mutual Insurance Europe SE UK Branch is authorised by the Prudential Regulation Authority
and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
(registered number 829959). Liberty Mutual Insurance Europe SE UK Branch address is 20
Fenchurch Street, London, EC3M 3AW.
Liberty Mutual Insurance Europe SE trading as Liberty Specialty Markets, a member of the Liberty
Mutual Insurance Group. Registered office: 5-7 rue Léon Laval, L-3372 Leudelange, Grand Duchy of
Luxembourg. Registered Number B232280 (Registre de Commerce et des Sociétés). Liberty Mutual
Insurance Europe SE is a European public limited liability company and is supervised by the
Commissariat aux Assurances and licensed by the Luxembourg Minister of Finance as an insurance
and reinsurance company.
www.libertyspecialtymarkets.com
WHO IS THIS INSURANCE FOR?
If you have booked Package Travel or Linked Travel Arrangements with the Policyholder then an
insurance policy has been arranged by the Policyholder at their expense in the event of their
insolvency. This insurance is for your benefit as the Insured Person(s).
For the purposes of this policy, Package Travel or Linked Travel Arrangements as defined in either
the UK Regulations 2018, Directive (EU) 2015/2302 or the law applicable to the country of
residence on Package Travel & Linked Travel Arrangements and booked through the Policyholder.
WHAT DOES THIS INSURANCE COVER?
If the Package Travel or Linked Travel Arrangements booked through the Policyholder are cancelled
or are cut short due to the Policyholder becoming insolvent or having an administrator appointed and
being unable to provide agreed services, this insurance covers the Insured Person(s) for:
If Cancelled Before Departure:
Loss of either deposit(s) or the full price of the package travel or linked travel arrangements
paid in advance to the Policyholder.
If Cancelled After Departure:
Following any Package Travel or Linked Travel Arrangements being cut short, the provision
of assistance services and additional costs reasonably and necessarily incurred to enable the
Insured Person to return to the country of departure including, if necessary, the financing of
accommodation prior to the Insured Person’s return.
WHAT IS NOT COVERED?
A. There is no cover under this policy for any claim or loss in anyway caused by or
resulting from:
1. War, civil war, invasion, hostilities or any similar acts or events, whether or not war has been
declared.
2. Rebellion, revolution, insurrection, military or usurped power.
3. Nuclear reaction, nuclear radiation or radioactive contamination.
4. Civil commotion assuming the proportions of or amounting to a popular rising riot,
strike, lockouts, martial law or the act of any person or authority to supress any of
the above.
B. There is no cover under this policy for any:
1. Travel arrangements not forming part of package travel arrangements or linked travel
arrangements.
2. Loss when the date of financial failure of the policyholder is before the start of the policy
period.
3. Claim where the insured person(s) has already received reimbursement of their net
ascertained financial loss.
HOW TO MAKE A CLAIM
Notify IPP as soon as possible, quoting the name of the Policyholder and the reference TOFI UK
and giving full details of what has happened to:
Telephone: +44 (0)345 266 1872
Email: Insolvency-claims@ipplondon.co.uk
or online at https://www.ipplondon.co.uk/claims.asp
If the Insured Person is abroad at the time and does not wish to make their own arrangements to
get back to their country of departure then we will provide services to assist with their return to
their country of departure.
What You Must Do During A Claim
The Insured Persons and their representatives must:
1. co-operate fully with us and any other person or persons authorised by us in the investigation,
adjustment and/or settlement of any claim notified to us. That includes providing any other
information we may require, including all documentation that we request to assist in the claim,
for example invoices and receipts.
2. take all reasonable care to limit any loss.
3. not do anything either before or after a loss that limits, restricts or waives our legal rights
without our prior written permission. For example, the Insured Person must not enter into any
contract that limits, restricts, waives or otherwise impairs their right to recover from anyone
who may be liable to them for a loss that is otherwise covered by this insurance.
Our Rights During A Claim
1. We may, at our discretion:
• take full responsibility for conducting, defending or settling any claim in the Insured Persons’
names; and
• take any action we consider necessary to enforce the Insured Persons’ rights or our rights
under this insurance.
2. Where legally permitted under the law applying to this policy, we are entitled to request that
any loss incurred by the Insured Person that may be covered by this policy is requested from
either:
• the Insured Person’s payment card issuer; or
• from any other existing insurance policy the Insured Person holds that may provide
cover for such loss.
If part payment for any loss incurred is received by the Insured Person from either their
payment card issuer or under any other existing insurance policy they hold, this policy will
apply in excess of that part payment.
If the Insured Person’s recovery claim from either their payment card issuer or any other
existing insurance policy they hold is unsuccessful, either in whole or in part, we will deal
with the claim in line with the terms, conditions, exclusions and limits under this policy.
Fraudulent Claims
If the Insured Person makes a fraudulent claim under this insurance:
(a) the claim will not be paid; and
(b) the Insured Person may need to return any sums paid to them in respect of the claim; and
(c) by notice to the Insured Person, this insurance may be treated as having been terminated with
effect from the time of the fraudulent act.
If this insurance is terminated under clause 1. (c) above:
(a) there will be no cover or potential cover in respect of a relevant event occurring after the
time of the fraudulent act. A relevant event is whatever gives rise to cover or may give rise to
cover under this insurance (such as the occurrence of a loss, the making of a claim, or the
notification of a potential claim); and
(b) all premiums paid will be retained.
This condition will only apply to the insured person(s) who made or attempted to make a fraudulent
claim under this insurance.
HOW TO MAKE A COMPLAINT
Liberty Mutual Insurance Europe SE aims to provide a high-quality service to all its customers. If
you feel dissatisfied or if you have any questions about your contract or the handling of a claim,
then in the first instance you should contact International Passenger Protection Ltd.
If you are still not satisfied with the service you have received and wish to make a complaint you
may do so in writing or verbally quoting the policy and/or claim number using the contact details
below:
Compliance Officer
Liberty Mutual Insurance Europe SE
20 Fenchurch Street
London
EC3M 3AW
Tel: +44 (0) 20 3758 0840
Email: complaints@libertyglobalgroup.com
or Compliance Officer
Liberty Mutual Insurance Europe SE
5-7 rue Léon Laval
L-3372 Leudelange
Grand Duchy of Luxembourg
Tel: +352 28 99 13 00
Email: complaints@libertyglobalgroup.com
If after making a complaint you are still not satisfied you may be entitled to refer the dispute to an
independent organisation. The Financial Ombudsman Service is a free and impartial service, who may
be contacted at:
Exchange Tower
Harbour Exchange
London
E14 9SR
Tel: 0800 023 4567
Website: www.financial-ombudsman.org.uk
To confirm whether you are eligible to ask the Financial Ombudsman Service to review the
complaint find out more at www.financial-ombudsman.org.uk
Alternatively, as Liberty Mutual Insurance Europe SE is a Luxembourg insurance company, all
insureds and policyholders are also entitled to refer the dispute to any of the following dispute
resolution bodies in Luxembourg:
Commissariat aux Assurances,
7, boulevard Joseph II
L-1840 Luxembourg
Tel: (+352) 22 69 11 - 1
Email: caa@caa.lu
www.caa.lu
or
Médiateur en Assurances
ACA,
12, rue Erasme
L-1468 Luxembourg
Tel: (+352) 44 21 44 1
Email: mediateur@aca.lu
www.ulc.lu/fr/organes/detail.asp?T=2&D=descr&ID=6
Or
Service national du Médiateur de la consommation
6, rue du Palais de Justice
Luxembourg, 1841
Tel: (+352) 46 13 11
Email: info@mediateurconsommation.lu
www.mediateurconsommation.lu/
USEFUL INFORMATION
Privacy Notice
How Liberty Specialty Markets Uses Your Personal Data
Liberty Specialty Markets takes the protection of your personal data seriously and is committed to
protecting your privacy. There are a number of different companies within our group. The specific
company within Liberty Specialty Markets which acts as the "data controller" of your personal data
will be the organisation providing the policy as set out in the documentation that is provided to you.
If you are unsure you can also contact us at any time by e-mailing us at
dataprotectionofficer@libertyglobalgroup.com or by post at Data Protection Officer, Liberty
Specialty Markets, 20 Fenchurch Street, London EC3M 3AW, UK. Where you provide us or your
agent or broker with details about other people, you must provide this notice to them.
In order for us to deliver our insurance services, deal with any claims or complaints that might arise
and prevent and detect fraud, we need to collect and process personal data. The type of personal
data that we collect will depend on our relationship with you: for example, as a policyholder, third
party claimant or witness to an incident. Your information will also be used for business and
management activities such as financial management and analysis. This may involve sharing your
information with, and obtaining information about you from, our group companies and third parties
such as brokers, credit reference agencies, reinsurers, claims handlers and loss adjusters,
professional advisors, our regulators or fraud prevention agencies. We also collect personal data
about our suppliers and business partners (such as brokers) for the purposes of business
management and relationship development.
Please see the full privacy notice available at www.libertyspecialtymarkets.com/privacy-cookies for
further information on how your personal data is used and the rights that you have in relation to the
personal data we hold about you. Please contact us using the details above if you wish to see the
privacy notice in hard copy.
Sanctions Suspension Notice
No benefit will be provided under this insurance to the extent of providing cover, payment of any
claim or the provision of any benefit where doing so would breach any sanction, prohibition or
restriction imposed by law or regulation. Such suspension shall continue until such time as the
insurer would no longer be exposed to any such sanction, prohibition, or restriction.
Financial Services Compensation Scheme
Liberty Mutual Insurance Europe SE UK Branch , as insurers under this policy, are covered by the
Financial Services Compensation Scheme (FSCS). The Insured Person may be entitled to
compensation from FSCS if Liberty Mutual Insurance Europe SE UK Branch are unable to meet their
obligations to the Insured Person under this insurance.
If the Insured Person is entitled to compensation from FSCS, the level and extent of compensation
will depend on the nature of this insurance. Further information about FSCS is available on their
website: www.fscs.org.uk or the Insured Person can write to them at PO Box 300, Mitcheldean,
GL17 1DY.
Non-Assignment
No title, right or interest under this policy may be assigned, transferred, conveyed or otherwise
disposed of without our consent in writing. Any attempt to assign rights or interests without our
written consent is null and void.
IPP TOFI UK/1 PS 020724