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Your Holiday Insurance

We have arranged Comprehensive Travel Insurance that is suitable for the holidays on this website. Details of the cover and premiums are given below.

Under the Association of British Insurers General Code of Practice, listed below is a summary of the cover provided by the insurance. A copy of the full terms and conditions is available upon request. Please note that it is the responsibility of each client to ensure that they receive a policy document from us, and familiarise themselves with the terms and conditions. Particular attention should be paid to the warranty below. In the case of any dispute the wording of the policy shall prevail.

A copy of the insurance policy is available.
You should read the policy carefully.

Policy Document: The insurance policy contains all of the details of what is and is not covered together with conditions of this. As cover varies from policy to policy and insurer to insurer you should make yourself aware of the terms of the cover as soon as possible.

Cooling Off Period: If you have justifiable reason for being unhappy with the insurance and can demonstrate that you have purchased a policy with cover that we consider satisfactory for this holiday we will refund your premium provided your request is within 7 days of purchasing the policy and before you travel.

Conditions and Exclusions: Conditions and Exclusions apply to individual sections of the policy while General Conditions and General Exclusions apply to the whole policy.

Warranty: When buying this insurance you warrant (promise) that you qualify for this insurance in accordance with the terms below.

You do not qualify for this insurance if:

  • You are aware of any reason why the holiday could be cancelled or curtailed;
  • Any person named on the schedule will be travelling against the advice of a doctor or for the purpose of obtaining medical treatment;
  • Any person named on the schedule or any member of his/her family is undergoing tests for any illness or condition for which a definite diagnosis has not been given;
  • Any person named on the schedule or any member of his/her family has a terminal illness.

Hazardous pursuits and activities: The insurance will not cover hang gliding, racing (other than on foot), parachuting, mountaineering or rock climbing (necessistating the use of ropes for support), pot holing, bungee jumping, jet skiing, scuba diving (unless diving with a current valid internationally recognised scuba diving certificate or accompanied by a fully qualified scuba diving instructor), travelling in a privately registered single engine aircraft, travelling in a privately owned vessel in International waters, wilful exposure to risk (except in an attempt to save human life).

Policy Excess: You will be required to pay the first amount of any claim under certain sections of this insurance.

Date recognition failure: Your policy contains exclusions for losses from the failure of equipment to correctly recognise a calendar date.

Policy Limits: The insurance has maximum amounts that can be paid under each section and for certain items within each section. The summary of cover below outlines the purpose of the cover and the financial limits.

Property claims: Payment for property will be the value of the goods at the time you lose them (or repair cost if they are damaged and this is lower) and not the replacement cost on a Ònew for oldÓ basis.

Reasonable Care: You must take all reasonable care to protect yourself and your property, as you would if you were not insured.

Complaints: The insurance includes a procedure which tells you what steps you can take if you wish to make a complaint.

Jurisdiction: The insurance is governed by English Law unless you and your insurer have agreed otherwise.

If you would like more information you should ask us.

A copy of the full terms and conditions is available upon request. Please note that it is the responsibility of each client to ensure that they receive a policy document from us, and familiarise themselves with the terms and conditions. Particular attention should be drawn to the warranty below. In the case of any dispute the wording of the policy shall prevail.

       
Sums Insured:
 
Personal Accident
i) Death £15,000
ii) Loss of one or more limbs or eyes £15,000
iii) Permanent Total Disablement
(Limited to £1,000 for children under 16 or persons over 69 at inception and no cover if aged over 75)
£15,000
 
Medical Expenses (E) £5,000,000
 
Hospital Benefit £25/24 hrs. Max £500
 
Cancellation and Curtailment (E) £3,000
 
Section 5 - Baggage and Personal Effects (E) £1,500
Single Article Limit - £250
Valuables Limit - £250
 
Section 6 - Delayed Baggage £50/24 hrs. Max £150
 
Section 7 - Personal Money/Documents/Ski Pass (E) *£300
Cash Limit - £150
Ski Pass - £150*
 
Section 8 - Personal Liability (E) £2,000,000
 
Section 9 - Travel Delay
(Exceeding 12 hours)
Either
a) £20 for the first full 12 hours and £20 for each subsequent 12 hours up to £100
  OR
b) Abandonment of holiday up to the holiday cost (E)
£3,000
c) Missed Departure £1,000
 
Section 10 - Legal Expenses (E) £10,000
 
Excesses:

 

 

£50 (where applicable) - marked (E) above.
Loss of Deposit £20.
Cancellation maximum for families £100.
Baggage and Money combined £50

 
Geographical Limits:
 
Area 1 - United Kingdom, Northern Ireland, Isle of Man and Channel Islands
 
Area 2 - Europe including countries west of the Ural Mountains; the Azores; Canary Islands; Iceland; Madeira; Jordan and countries bordering the Mediterranean Sea (excluding Algeria, Lebanon, Israel and Algeria).

Cover under the loss of deposit/cancellation section commences on payment of your insurance premium. All other cover becomes effective on the outward date of travel.

IMPORTANT. This insurance cover is subject to the normal conditions and exclusions of this type of policy. Full policy details will be sent when your premium is paid and you are strongly advised to read this carefully. NB: Taxi fares will not be refunded when visiting hospitals or medical centres. If clients lose credit/debit cards it is their responsibility to notify immediately their bank or card provider.

HOLIDAY INSURANCE PREMIUM
Adult 16-65 Adult 66-75 Adult 76-79 Adult 80+ Child aged 2-15 Family
Up to 3 days £16 £27 £29 £31 £11 £39
Up to 5 days £19 £32 £35 £37 £13 £47
Up to 8 days £21 £34 £41 £46 £14 £56
Up to 10 days £25 £38 £45 £51 £20 £64
Up to 15 days £27 £40 £55 £63 £23 £71
Up to 17 days £28 £41 £59 £68 £24 £74
Up to 25 days £31 £48 £75 £87 £28 N/A
Up to 31 days £34 £50 £87 £102 £29 N/A