Free Personal Accident Travel Insurance for Classic Visa Cardholders
Personal Accident Travel cover applies to the AIB Classic Visa Business Cardholder, his or her partner and dependent children, when at least 50% of the fares for each person travelling have been charged to the AIB Classic Visa Business Card. Coverage is up to a maximum of EUR64,000 in the event of Death, Loss of Sight/Limb or Permanent Total Disablement.
Terms and conditions apply. This is not a substitute for fully comprehensive travel insurance.
Free whilst travelling on an insured journey the following applies:
Benefits Provided
If an Insured Person sustains accidental bodily injury during the period of coverage resulting in any of the following events, AIG Europe (Ireland) Ltd., will pay to the Insured Person (or in the event of accidental death to his/her estate), the appropriate benefit specified below:-
| Events | Benefits |
|---|---|
| 1. Death | EUR64,000 |
| 2. Total and irrecoverable loss of all sight in one or both eyes rendering the Insured Person absolutely blind in the eye or both eyes beyond remedy by surgical or other treatment (occurring within 12 months of bodily injury or incident giving rise to a claim) | EUR64,000 |
| 3. Total loss by physical severance or complete and irrecoverable loss of use of either one or both hands and/or one or both feet (occurring within 12 months of bodily injury or incident giving rise to a claim). | EUR64,000 |
| 4. Permanent total disablement other than as provided by benefits 2 and 3 which entirely prevents the Insured Person from following any occupation and in all probability will continue for the remainder of his/her life. | EUR64,000 |
Payment shall not be made under more than one of the benefits in respect of the same accident for the same person.
Payment under Benefit 1 in respect of dependent children of the cardholder is limited to:
| (a) Children under 18 | EUR1,300 |
|---|---|
| (b) Children aged 18 and under 23 | EUR32,00 |
Exclusions
Coverage will not apply when injury results from engaging in any form of aerial flight other than as a passenger, offshore works, bodily injury sustained which is the result of or is contributed to by the influence of intoxicating liquor or drugs other than drugs taken in accordance with treatment prescribed and directed by a qualified registered medical practitioner but not for the treatment of drug addiction, self-inflicted injury, pre-existing ailment, pregnancy or childbirth, human immunodeficiency virus, non-residence.
General Exclusions applicable to entire policy
War Exclusion
The Company shall not be liable for any injury resulting from war.
Definition
War shall mean any activity arising out of or attempt to participate in the use of any military force between nations and shall include civil war, revolution and invasion.
Nuclear/Biological/Chemical Terrorism Exclusion
It is agreed that, regardless of any contributory causes, this insurance does not cover any losses directly or indirectly arising out of any nuclear, chemical or biological contamination due to a terrorist act.
Definitions:
Terrorist act means any actual or threatened use of force of violence directed at or causing damage, injury, harm or disruption, or commission of an act dangerous to human life or property, against any individual, property or government, with the stated or unstated objective of pursuing economic, ethnic, nationalistic, political, racial or religious interests, whether such interests are declared or not. Robberies or other criminal acts, primarily committed for personal gain and acts arising primarily from prior personal relationships between perpetrator(s) and victim(s) shall not be considered Terrorist Acts. Terrorist Act shall also include any act which is verified or recognised by the (relevant) Government as an act of terrorism. Contamination means the contamination or poisoning of people by nuclear and/or chemical and/or biological substances which cause illness and/or death.
Accident Accumulation Limit
The maximum the Company will pay in the aggregate to eligible Insured Persons under this insurance (Master Policy No. PAE61964) in respect of any one accident or series of accidents arising from a single event will be EUR5,500,000. In the event that the total claims from the single event exceed EUR5,500,000 the Company will pay an amount which is proportionately reduced until the total does not exceed this limit.
Claims
Written notice of a claim must be given within 30 days of the date of the accident to:
AIG Europe (Ireland) Limited, AIG House, Merrion Road, Dublin 4.
Telephone Number: 1800 287 287 Facsimile (01) 283 7774
Important / Regulatory Notice
Lending criteria, terms and conditions apply. Credit facilities are subject to repayment capacity and financial status and are not available to persons under 18 years of age. AIB Insurance Services Ltd is a tied agent of Chartis Europe Limited (formally AIG Europe (Ireland) Ltd) for Personal Accident Insurance. AIB Insurance Services Limited is regulated by the Central Bank of Ireland.