Insurance

We strongly recommend that you and all members of your party be adequately insured as soon as you book your holiday. Indeed it is a condition of booking that you must have insurance cover at least equivalent to that described below. We have arranged a special scheme with Blue Planet Travel Insurance Services Ltd, underwritten by Europ Assistance Holdings Ltd. who are authorised and regulated by the Financial Services Authority, registered number 311883.

Below is a summary of cover and benefits available under the insurance. An insurance certificate containing a more detailed summary will be sent to you with your confirmation of booking. In any event you may ask for a specimen copy, and / or a key facts form of the insurance wording should you wish to examine this in advance.

The insurance will be subject to English law unless otherwise agreed.

Premiums - Europe

	Adult CHILD UNDER 18* YRS FAMILY SINGLE FAMILY 75-79 YEARS* Up to 5 days £14.00 £7.00 £28.00 £21.00 £40.00 Up to 10 days £16.00 £8.00 £32.00 £26.00 £45.00 Up to 17 days £19.00 £10.00 £38.00 £29.00 £50.00 Up to 23 days £24.00 £12.00 £45.00 £36.00 £60.00 Up to 31 days £29.00 £15.00 £58.00 £44.00 £75.00

Premiums - USA / Canada / Caribbean

	Adult CHILD UNDER 18* YRS FAMILY SINGLE FAMILY 75-79 YEARS* Up to 10 days £38.00 £17.50 £70.00 £54.00 £100.00 Up to 17 days £42.00 £22.50 £80.00 £60.00 £120.00 Up to 23 days £48.00 £27.50 £90.00 £68.00 £140.00 Up to 31 days £58.00 £32.50 £100.00 £75.00 £160.00

Premiums - Rest of the World

	Adult CHILD UNDER 18* YRS FAMILY SINGLE FAMILY 75-79 YEARS* Up to 5 days £32.00 £16.00 £56.00 £42.00 £71.00 Up to 10 days £35.00 £18.00 £62.00 £48.00 £90.00 Up to 17 days £40.00 £20.00 £70.00 £53.00 £108.00 Up to 23 days £45.00 £23.00 £82.00 £60.00 £120.00 Up to 31 days £55.00 £26.00 £90.00 £68.00 £130.00

These premiums do not include winter activity cover which are 2x the above.

Children under the age of 3 on date of policy issue – Free if accompanied by an Adult insured on the same policy.
Family definition – The main insured person, his/her spouse or common law partner and up to four dependent children under 18 years of age on the policy issue date. (In full time education and residing with them).
Single family definition – up to four dependent children under 18 years of age on the policy issue date travelling with their parent.

Please enquire for premiums for those over 75 years of age. Maximum insurable age is 79 yrs at the date of the policy issue.

* On date of policy issue.

Synopsis of cover (per person)

Medical Emergencies A 24-hour emergency medical service is provided by Europ Assistance. Telephone 0870 737 5900.

	Section 1 – Personal Assistance Services Up to £250 Section 2 – Medical Expenses Up to £5,000,000 Section 4 – Additional Travelling costs Up to £1,000 Section 5 – Hospital Benefit Up to £600 Section 6 – Cancellation/Curtailment Up to £5,000 Section 7 – Travel Delay Up to £200 Section 8 – UK Departure Assistance Up to £500 Section 9 – Missed Departure Up to £1,000 Section 10 – Personal Baggage Up to £2,000      Single article limit – max. £300 Adult & £75 Child      Valuables Limited to – max. £300 Adult £150 Child Section 11 – Baggage Delay In excess of 12 hours Up to £100 Section 12 – Money & Passport Up to £400 in all Section 13 – Personal Liability Up to £2,000,000 Section 14 – Personal Accident Up to £25,000 Section 15 – Legal Protection Up to £25,000

Excesses

Sections 2, 10 & 12 are subject to an excess of £50 per person per claim; Delayed baggage & Hospital Benefit Nil.

Note: under Section 2: The Policy Excess is waivered if you have used a Form E111, as this effectively reduces the cost of Your treatment or medicines.

Claims

Should you need to make a claim, please contact the claims helpline 01444 442277 to obtain a claims form, giving your name and certificate number and brief details of the claim.

Important Notice:

Your (travel) insurers, under the Association of British Insurers General Business Code of Practice, have to bring to your attention some of the important features of your insurance policy, including:

	You must contact the medical Pre-screening Helpline on 0870 737 5843 in the following circumstances: 1. Where You have any medical condition or on-going medical condition for which You have received treatment, are on continuous medication or have visited/been referred to a specialist or have been a hospital in-patient during the period of 2 years of the date proceeding the date of issue of this certificate, or 2. Where You are on a hospital waiting list for in-patient treatment or where You are in receipt of a terminal prognosis, or 3. Where You have or have suffered from any of the following medical conditions: Heart related condition, Hypertension, Arterial Disease, Kidney Disease, Malignant Disease (Cancer), Lung and or respiratory Disease (including Asthma where You have received in-patient hospital treatment), or had a Stroke.   The above applies to You, and any close relative, travelling companion or person with whom you intend to stay whilst on your trip.

Policy Document: this gives you full details of what is and is not covered and the conditions of cover. You must read the insurance policy carefully.
Conditions, Exclusions and Warranties: conditions and exclusions will apply to the individual sections of your policy while general exclusions, conditions and warranties will apply to the whole policy.
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. Your policy will set out what proof the insurer needs to support a claim.
Policy Limits: most sections of the policy have limits on the amount the insurers will pay under that section. Some sections also include other specific limits, for example, for any one item or for valuables in total. You are advised to check your policy if you intend taking expensive items with you.
Policy Excesses: under most sections of the policy claims will be subject to an excess. This means that you will be responsible for paying the first part of each claim. The amount you have to pay is the excess.
Reasonable Care: you need to take all reasonable care to protect yourself and your property, as you would if you were not insured.
Complaints: the insurance policy includes a Complaints Procedure, which tells you what steps you can take if you wish to make a complaint.
Fraud: it is a criminal offence to make a fraudulent claim.
Dangerous Sports or Pastimes: if you are going to take part in dangerous sports or pastimes where there is a risk of injury, check that your policy covers you.
Cooling Off Period: Your insurance certificate contains a ‘cooling off’ period of 14 days during which you can return the insurance document and get a refund if you have a justifiable reason for being dissatisfied with the cover it provides on condition that you have not made the trip, submitted a claim, or know of any circumstances that may lead to a claim. The Insurance Policy is effected in England and is subject to the Laws of England & Wales.

PLEASE ENSURE YOU READ YOUR INSURANCE POLICY CAREFULLY.

FAILURE TO COMPLY WITH THE TERMS & CONDITIONS OF THE POLICY MAY RESULT IN COVER BEING RESTRICTED.