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FAIR TRADING AGREEMENT HOLIDAY INSURANCE 13. ARGO HOLIDAYS PRICING POLICY As shown on page 3, due to increased aviation insurance and security cost, a charge will be added to the holiday cost of each person. We reserve the right to change this amount from time to time and the exact charge will be advised to you at the time of booking. The price of your travel arrangements is subject to surcharges on the following items for increases in transportation costs e.g. fuel, scheduled airfares and any other airline surcharges which are part of the contract between airlines (and their agents) and the tour operator/organiser. Government action such as increases in VAT or any other Government imposed increases, currency in relation to adverse exchange rate variations. Where a surcharge is payable there will, in addition, be an administration charge of £1 together with an amount to cover agents' commission. If the surcharge amounts to more than 10% of the holiday price, you will be entitled to cancel your holiday with a full refund of all money paid except for any premium paid to us for holiday insurance and amendment charges. Should you decide to cancel because of this you must exercise your right to do so within 14 days from the issue date printed on the invoice. We are confident to recommend to you a specifically designed policy arranged through Voyager Insurance Services Limited and provided by AXA Insurance UK plc. If you have any questions regarding this insurance, you should call Voyager Insurance Services on 01483 562662 for advice and assistance. Premiums Adults Up to 64yrs* Standard £20 £23 £8 Double £27 £29 £12 Family (2 adults & children 17yrs* or under) Standard Double £45 £61 £52 £65 £18 £27 Single Parent (1 adult & children 17yrs* or under) Standard Double £30 £41 £35 £44 £12 £18 Up to 10 Days Up to 17 Days Additional Wk (max. 31 days) 14. All prices quoted in this brochure are based on exchange rates as calculated by our Treasury Department in July 2007: EURO 1.45. 15. CONSUMER PROTECTION The air holidays and flights in this brochure are ATOL protected, since we hold an Air Travel Organiser's Licence granted by the Civil Aviation Authority. Our ATOL number is 4021. In the unlikely event of our insolvency, the CAA will ensure that you are not stranded abroad and will arrange to refund any money you have paid to us for an advance booking. For further information, visit the ATOL website at www.atol.org.uk. * Age on day of purchasing insurance. Infants under 3 years old (on date of purchasing insurance) - FREE if accompanied by an ARGO HOLIDAYS insured adult · Scuba Diving (down to 30m and within organiser's guidelines) - FREE · Annual Insurance available - call for details. The above premiums, per person inclusive of Insurance Premium Tax, are valid at the time of print and may be subject to change. The applicable premium must be included with your deposit payment for your travel arrangements. If you do not wish to be included in this insurance, you must provide us with details of your alternative insurance. ADDED VALUE · Any number of children included for Family insurance · Special single parent rates with any number of children · FREE scuba diving cover. The following is only a brief synopsis of the cover, as full details will be forwarded with your Booking Invoice or travel documents in the case of late bookings. A specimen policy wording is available on request should you require further information before booking. Section Cancellation & Curtailment Travel Delay Standard Cover up to £2,500 £20 per 12hrs, £10 per hour thereafter, up to maximum £100 £2,500 £3,500,000 £12,500 £5,000 £1,000,000 £10,000 £500 £1,000 £150 £200 £100 £300 £125 £200 £10 per day up to £500 Nil £400 Excess £60 Nil Double Cover up to £5,000 £40 per 12hrs, £20 per hour thereafter, up to maximum £200 £5,000 £7,000,000 £25,000 £10,000 £2,000,000 £20,000 £1,000 £2,000 £300 £400 £200 £600 £250 £400 £20 per day up to £1,000 £2,000 £800 Excess Nil Nil 16.The `General Holiday Information' detailed on page 283 is part of our terms and conditions and must be read carefully before you book. No verbal alteration can be made to the terms and conditions described in the brochure.Any such change must be confirmed in writing. 17. This contract is made on the terms of these booking conditions which are governed by English Law and both parties shall submit to the jurisdiction of English courts at all times. 18. This brochure was printed in November 2007 and relates to departures from March 2008 to October 2008. THE AITO QUALITY CHARTER AITO is an association of independent companies specialising in particular areas or types of holiday and sharing a common dedication to high standards of quality and personal service. AITO defines `quality' as "providing a level of satisfaction which, based upon the holiday information provided by the tour operator, aims to meet or exceed a customer's reasonable expectations, regardless of the type of holiday sold or the price paid". THIS IS HOW WE AIM TO ACHIEVE IT: ACCURATE BROCHURES AITO members ensure that their brochures clearly and accurately describe the holidays and services offered. PRODUCT IMPROVEMENTS AITO members listen to their customers and welcome suggestions for improving standards. All customers receive a post-holiday questionnaire. PROFESSIONAL SERVICE AITO members are committed to high standards of personal service, maintained by the thorough training of employees. FINANCIAL SECURITY AITO takes care to ensure that all members comply with current Government Regulations regarding the protection of clients' money. EXCLUSIVE MEMBERSHIP AITO has strict membership criteria which must be satisfied before new companies are allowed to join. All members must adhere to a rigorous Code of Business Practice which governs their operational conduct. ENVIRONMENTAL ISSUES AITO is committed to raising the level of environmental awareness within the industry. AND, AS A LAST RESORT, in the unlikely event that a dispute between an AITO member and customer cannot be resolved amicably, AITO's low cost Independent Dispute Settlement Service may be called upon by either side to bring the matter to a speedy and acceptable conclusion. Holiday Abandonment Medical Emergency & Repatriation Personal Accident - Death Personal Liability Legal Protection Missed Departure Personal Luggage - Single article - Valuables - Emergency Purchases Money & Passport - Cash -Passport Hospital Benefit Business Personnel Replacement Catastrophe £60 £60 Nil £100 £100 £60 £60 Nil Nil Nil Nil Nil Nil Nil £60 Nil Nil Nil Nil Nil Nil Nil Nil Nil Please refer to policy wording for sub-limits and full terms and conditions. CLAIM: You must register any claim, preferably by telephone at AXA Assistance Claims Centre Services, PO Box 36400, London EC3N 1ZQ Tel: 0845 601 6500 or in the case of Legal Expenses AXA Assistance Claims Centre Ltd. Legal Department, Windsor House, Pepper Street, Chester CH1 1DF Tel: 0845 601 9142. Notification must be made within 31 days of your trip ending. When contacting the claims department you must state the name of your policy and where it was purchased, policy number, resort and country visited, value of claim, brief circumstances, travel dates and incident date. In the event of injury or illness which may lead to in-patient hospital treatment or before any arrangements are made for repatriation or in the event of incurring medical expenses in excess of £350, you must contact the 24hr Emergency Assistance Service as soon as possible on +44 (0)845 601 6474 IMPORTANT INFORMATION · YOUR TRAVEL INSURANCE: All insurance policies contain restrictions and exclusions that you should know about. Please make sure that the cover meets your needs and remember to sign the declaration on the back page of your insurance document to confirm that you accept the terms of cover shown in your policy. · HEALTH: This insurance contains restrictions regarding pre-existing medical problems concerning the health of the people travelling and of other people upon whose health the trip depends. You are advised to read the policy wording document carefully. · CONTRACT OF TRAVEL INSURANCE: The policy wording together with the Certificate of Insurance (or Cover Letter sent by e-mail) forms the basis of your contract of insurance. It contains certain conditions and exclusions in each section and general conditions and exclusions applying to all the sections. You must meet these conditions or insurers may not accept your claim. · ELIGIBLE PERSONS: This insurance is only available to permanent residents of the United Kingdom who are registered with a Medical Practitioner in the United Kingdom. Persons aged 65-75yrs must pay double the above premiums and persons aged 76-80yrs must pay three times the above premiums. The maximum age for a Single Trip policy is 80yrs (64yrs for annual policies). · REASONABLE PRECAUTIONS: You must take reasonable precaution to avoid injury, illness, disease, loss, theft or damage and take all practical steps to safeguard your property from loss and damage and to recover property lost or stolen. · EXCESSES: If you select the Standard Cover option, you may have to pay the first part of any claim (Excess) as detailed above. Excesses do not apply to the Double Cover option. · DANGEROUS ACTIVITIES: You may not be covered when you take part in certain sports or activities if there is a high risk you will be injured. For specific activities, cover under Section G, Personal Liability, will not apply. The excess for Medical Expenses may be increased and the sum insured under Personal Accident may be reduced. · PREMIUM REFUNDS: If this insurance does not meet your needs, Argo Holidays will refund your money as long as you return this document within 14 days of receiving it. You have no cancellation rights where the policy duration from the start of cover to the return date of your trip is less than 30 days. · LAW: This policy will be governed by the law of England and Wales unless insurers agree otherwise prior to the insurance starting. · MEDICAL CONDITIONS: Please answer the following questions, thinking firstly of yourself and others to be insured on this policy. If you answer yes to any of the questions there is no cover for claims related directly or indirectly to the condition(s) unless you have contacted Voyager Insurance on 0870 142 5219 and we have agreed in writing to cover you. Please quote the reference 'Voyager Web Agent' when calling. 1. Within the last 2 years, have any of you taken prescribed medication or are waiting to receive, or have received, treatment (including surgery, tests or investigations)? 2. Do any of you have a Medical Condition: a.) for which you have received a terminal prognosis? b.) that has not had a diagnosis? c.) for which you are on a waiting list or have knowledge of the need for surgery, in-patient treatment or investigation at a hospital, clinic or nursing home? 3. Are you aware of any circumstances that could reasonably be expected to give rise to a claim? Please note that you will not be covered at any time for: i.) any medical condition you have in respect of which a medical practioner has advised you not to travel or would have done so had you sought his/her advice ii.) any medical condition for which you are travelling with the intention of obtaining medical treatment iii.) any medical condition for which you are not taking the recommended treatment or prescribed medication as directed by a medical practitioner iv.) pregnancy or childbirth where you are expected to give birth within eight weeks of the start of the trip THE ASSOCIATION OF INDEPENDENT TOUR OPERATORS THE QUALITY ALTERNATIVE As a partner to the KNOW BEFORE YOU GO campaign, we strongly recommend that you visit their website (www.fco.gov.uk/knowbeforeyougo) in order to gain further information about the importance of health & safety, holiday insurance and holiday money, plus excellent advice and tips when travelling overseas. 282