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- Because the policy includes benefits typical of any travel
insurance policy, the period of insurance must cover the entire period you are
outside the UK otherwise it may be declared invalid.
- You do not have to be a member of BCA to purchase insurance
cover under this policy, but there is a discount for individual members
of BCA.
- This Travel Insurance Scheme is not sold to you by BCA; it
is provided by an independent company, ********, who essentially 'sponsor' the
scheme by agreeing to provide it at a discount to Individual BCA members.
- As with all insurance schemes, you should check carefully
that you will be adaquately covered. The BCA scheme is specifically written for
caving expeditions, and it includes the cost of cave rescue services, although
the cover is limited to £50,000. However, few travel insurance policies
are likely to offer you a significantly higher level of cover for cave rescue,
and if you come across one with more attractive terms you should check that
this includes 'expedition caving' and 'original exploration'. (We have had
reports that the 'small print' that describes such exclusions does not appear
on web pages and is not known about by telephone sales people).
- BCA's insurance policy covers search and rescue costs
provided by a 'recognised rescue service', and it defines this to
include 'self-rescue' provided certain conditions are met. Other
comparable policies may define 'recognised rescue service' in more restricted
way. Clearly, if you are on an expedition in a country without an official cave
rescue service, you should take care to choose an insurance policy that covers
you for self-rescue, or for the despatch of a rescue team from the UK (which
the BCA policy covers).
- Obviously it would be in your own interests to ask for a
printed copy of any policy you are considering purchasing, and you should check
the wording very carefully. There is little point in paying for an insurance
policy if it does not, in fact, cover you for the risks you thought it
did.
- If you are searching for other providers of Travel
Insurance for Caving, see the Insurance Policy Comparisons
below. BCA does not, of course, endorse any information
given on other web sites.
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