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Insurance COX & KINGS TRAVEL INSURANCE At Cox and Kings, your safety and holiday enjoyment are very important. Therefore, travel insurance is essential whenever you travel abroad. Indeed it is a condition of booking with us that you must have adequate travel insurance at least equivalent to our own recommended policy, detailed below. We have arranged travel insurance through specialist Insurance Brokers, Campbell Irvine. (Tel: 01737 223 687), underwritten by Axa Insurance (UK) Plc, Registered in England. No.78950. Registered Office, 5 Old Broad Street, London, EC2N 1AD, who are authorised and regulated by the Financial Services Authority. This can be checked on the FSA's website at www.fsa.gov.uk/register or by contacting them on 0845 606 1234. A 24-Hour Worldwide emergency Medical Service is provided by Speciality Assistance, experts in providing friendly and professional emergency help. WINTER SPORTS Double premiums, or £45 inclusive of insurance premium tax, whichever the lesser, apply to include Winter Sports activities, for up to 28 days in which case the additional cover applies. Applicable only if the appropriate premium has been paid. TRIPS OVER 45 DAYS Please contact Cox & Kings Travel direct for a quotation. ANNUAL MULTI-TRIP POLICY Available upon request at £137 for passengers up to and including 65 years old. Non-renewable unless booking through Cox & Kings Travel. ABI MODEL OF GOOD PRACTICE Under the model of good practice for the sale of travel insurance that is not regulated by the Financial Services Authority (FSA), we must draw your attention to important features of your policy, including: Health Your policy contains conditions that relate to your health and that of others, not necessarily travelling with you but upon whose well being the trip may depend. In particular, pre existing medical problems are not covered unless the Medical Helpline is contacted on 0870 906 3140. Policy Document This contains the full details of what is and is not covered. Please read it carefully to ensure you understand the cover provided. Should you wish to see a specimen, a copy will be made available prior to purchase upon request. Conditions and Exclusions Conditions and exclusions will apply to individual sections of your policy, while general exclusions and conditions will apply to the whole of your policy. Complaints Your policy contains a procedure which you should follow if you wish to make a complaint. Claims for Personal Effects Your policy does not provide cover on a `new for old' basis, which means that deductions for age, wear and tear will be made where appropriate. Date Recognition Failure Your policy contains an exclusion for some losses arising from the failure of equipment to correctly recognise the calendar date. Sums Insured or Limits All sections of your policy have a limit on the amount the Insurer will pay. Some sections have internal limits such as the amount the Insurer will pay for any one item or the amount of all valuables (including photographic equipment). High Risk Activities Your policy may not cover you when you take part in certain activities not organised through Cox and Kings. You must check that the Insurance covers your requirements. Excesses Under most sections of your policy, claims will be subject to an excess of £75. This means you will be responsible for paying the first part of each claim. `Cooling Off Period' If your policy does not meet your requirements you may return the documentation within 14 days of the purchase or prior to travel if this is sooner and, provided no claim has been made, obtain a refund. SUMMARY OF COVER A Medical Expenses Hospital Benefit Criminal Injuries Personal Liability B Personal Accident Permanent Loss of Sight Loss of Limb(s) Permanent Total Disablement Death C Cancellation or Curtailment £25,000 £10,000 £5,000* £5,000,000 £200 £5,000 £2,000,000 £25,000 £25,000 £25,000 D Delayed Departure or Arrival Hi-jack of Aircraft Failure of flight connections Interruption of Transport E Personal Effects (Valuables limited to £350) (Single Article limit £250) (Disc Collections £200) Money Passport and Visas F Legal Expenses G Winter Sports Optional £500 £250 £15,000 £1000 £3,000 £150 £300 £2,000 PREMIUMS per person: Single Trip - Adult up to and including 65 years old Up to 4 days 5 to 9 days 10 to 17 days 18 to 24 days 25 to 32 days 33 to 45 days UK £10 £13 £17.50 £22 £28 £34 Europe £16.50 £21 £26.50 £38 £40.50 £60.50 Worldwide excl. USA £45 £51 £55 £62 £70 £95 Worldwide incl. USA & Canada £52 £56 £64 £70 £77 £108 Australasia £37 £45 £50 £55 £63 £82 Optional Extensions Winter sports cover up to 28 days: £42 Multi-Annual Trip: £137 TOP UP: An additional premium of £75.00 is payable for trips costing between £5,000 and £6,750 per insured person TOP UP: An additional premium of £105.00 is payable for trips costing between £6,751 and £8,500 per insured person TOP UP: An additional premium of £130.00 is payable for trips costing between £8,501 and £10,000 per insured person The above premiums include Government imposed Insurance Premium Tax. Currently at 17.5%. NB. Europe includes all countries west of the Ural Mountains and countries bordering the Mediterranean, plus Iceland, Jordan, Madeira, the Canary, Azores and Mediterranean Islands. FAMILY RATE For families travelling together, a special premium applies based on 2.5 times the adult rate. This provides for two adults under 66 years and up to four children aged 18 years or less. CHILD REDUCTION Premiums are reduced by half for children aged 18 years or less at date of payment of insurance premium, if travelling with an adult insured under this scheme. FREE COVER ­ INFANTS UNDER TWO Infants aged under two years at departure can be included free of charge if travelling from departure point with a parent insured under this scheme ­ provided that the insured person request that their name is included on the booking invoice. AGE 66 to 70 YEARS For persons aged 66 to 70 years at date of payment of insurance premium, double the standard rates apply. AGE 71 to 79 YEARS For persons aged 71 to 79 years at date of payment of insurance premium, two and a half times the standard rates apply. Jurisdiction Your policy will be subject to English Law unless otherwise agreed. PLEASE NOTE THE FOLLOWING POINTS · If you lose your tickets (not just flight tickets), you can claim up to £1,000 to replace them. This is a unique feature of the Cox & Kings policy. · Criminal injuries cover up to £5,000, where the policy pays the insured up to £100 per day that they are hospitalised as a direct result of being physically attacked whilst abroad. · Pre-departure Medical Screening service - please insure conditions that relate to your health, and that of others not necessarily travelling with you but upon whose well being the trip may depend, are declared to the insurers medical help line in confidence on 0870 906 3140 · Option to extend the duration of their policy whilst abroad. · Our policy covers acts of war and terrorism but not in nuclear, chemical or biological warfare. · The travel delay section of the policy covers the return journey as well as the outbound. · The policy automatically extends if you are prevented from returning home because of circumstances beyond your control up to 31 days after your policy was due to expire. www.coxandkings.co.uk 73 INFORMATION: REGIONAL WEATHER / INSURANCE Reasonable Care You are required to take all reasonable care of yourself and your property, and to act at all times as though you are not insured.