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holiday insurances
Important information about your Personal Travel and Motor Breakdown Insurance travel and make sure the cover is suitable for you. Please make sure that you take it on holiday with you in case of an emergency.A policy will be sent at the time of booking and a copy of the policy wording is available on request. shown in the Policy Document, a copy of which is available on request.
Insurer
This insurance is underwritten by Elvia* and administered in the United Kingdom by Mondial Assistance (UK) Limited. Mondial Assistance (UK) Limited is authorised and regulated by the Financial Services Authority. Elvia* is authorised by De Nederlandsche Bank (DNB) and regulated by the Financial Services Authority for the conduct of UK business. Elvia* follows the Financial Ombudsman Service code of conduct for complaints and is covered by the Financial Services Compensation Scheme (FSCS). * Elvia is Elvia Travel Insurance International N.V. (Netherlands).
Hazardous activities
If you are going to take part in any hazardous sports or activities you should check that the policy covers you. You can extend your Personal Travel Insurance to cover your party for many hazardous activities that are excluded under the standard cover. Please contact Hoseasons for further details.
Policy limits
Each section of the policy shows the most you can claim but other limits may apply. For example under the Personal Possessions Section there are other specific limits for any one item and for valuables (including photographic equipment). If you intend to take expensive items with you please check that you are fully covered.
Cancellation rights
If your cover does not meet your requirements, please return the documentation within 14 days of receipt and your premium will be refunded in full unless you have travelled made a claim or intend to make a claim.
Conditions and exclusions
Your policy does not cover all possible events and expenses. There are conditions and exclusions that apply to individual sections of the policy and general conditions and exclusions that apply to the whole policy.
Telling us about relevant facts
Before you travel you must tell us about anything that may affect your cover. If you do not tell us about something that may be relevant, your cover may be refused and we may not cover any related claims.
Policy excess
Under some sections of your policy, you will have to pay an event excess.This means that you will be responsible for paying the first part of the claim for each single event or occurrence. The amount you have to pay is the excess.
Medical conditions
While this insurance is not subject to a Health Warranty there are certain exclusions that apply (e.g. you must not travel against the advice of your doctor and pregnancy claims would be excluded where the pregnancy was more than 28 weeks at the end of your holiday etc.).The full terms and conditions are
Policy document
The policy wording gives you full details of what is and what is not covered and what to do if you need to claim. It is very important that you read the whole of this policy before you
Making a complaint
The policy contains a complaints procedure which tells you what steps you can take if you wish to make a complaint.
Summary of Cover
The following is only a summary of the main cover limits and you should read the policy document for the full terms and conditions. Personal Travel Insurance Medical repatriation & other expenses medical expenses medical repatriation in the UK emergency accommodation visit by close relative transportation of deceased hospital benefit Limit (up to) £250 £1,000 £200 £250 £1,000 £600 (£20 per day) Additional expenses travel delay of train, ship or aircraft (over 6 hours) polluted beaches interrupted access to area /accommodation holiday disturbance Motor Breakdown Insurance Labour charges Recovery, car hire & hotel accommodation costs hire of equivalent vehicle, or chauffeur hire (if one and only driver is ill), or rail or coach fares (to continue trip or return home) hotel costs (for each party member) vehicle recovery essential telephone costs car hire (after your return home) £20 £75 (£15 per day) £500 £500 Limit (up to) £300 £1,000 (£80 per day) £1,000 (£80 per day) Reasonable cost £40 (per person per day) Reasonable cost £5 £100
The maximum aggregate amount payable under the Medical repatriation & other expenses section shown above shall not exceed £2,500. Personal accident Personal liability Personal possessions (Single article limit) (Valuable limit) Personal Money (Cash limit) £15,000 £2 million £1,500
£250 £250
£500
£250
The maximum aggregate amount payable under the Motor Breakdown Insurance sections shown above shall not exceed £2,500. Vehicles must be in a roadworthy condition and regularly serviced in accordance with manufacturers recommendations.
Statement of Price: Personal Travel Insurance (including free Motor Breakdown Insurance)
You and every member of your party are covered by our special Personal Travel Insurance (which includes free Motor Breakdown Insurance) unless you inform us at the time of booking that you do not require it. Premiums include IPT and cover everyone in your party they are not per person. Holiday price per week or short break up to £200 £201 to £500 £501 to £750 Over £750 *max 4 nights Personal Travel Insurance Premium (including free Motor Breakdown Insurance) per week price short break* £20 £14 £26 £16 £31 £19 £35 £22
The Motor Breakdown Insurance policy provides cover for all sections as outlined in the Summary of Cover for the duration of your holiday, from the time you leave home until you return to it.
travelling, for labour charges and recovery, car hire and hotel accommodation costs whilst on holiday.
Status Disclosure
Hoseasons Holidays Ltd is authorised and regulated by the Financial Services Authority in respect of insurance mediation activities only.The FSA register reference is 312463, which can be checked by visiting www.fsa.gov.uk/register or contact the FSA on 0845 606 1234.
Basis of Advice
We offer only Elvia products for Personal Travel Insurance and Motor Breakdown Insurance. We did not provide a personal recommendation as to the suitability of these products in relation to your circumstances.
Valid Period
The insurance offerings are available for holidays booked between 2nd Oct 2007 and 31st Dec 2008 and departing between 28th October 2007 and 31st December 2008.
Financial Services Compensation Scheme (FSCS)
For your added protection, Hoseasons and the insurer are covered by the FSCS.You may be entitled to compensation from the scheme if we cannot meet our obligations.This depends on the type of business and the circumstances of the claim. Insurance cover is limited up to 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. Further information about the compensation scheme arrangements is available from the FSCS, telephone number 020 7892 7300, or by visiting their website at www.fscs.org.uk.
Demands and Needs
This policy consists of two parts: " Personal Travel Insurance is designed for those who wish to insure themselves when travelling for medical repatriation and other expenses, personal accident, personal liability, personal possessions, personal money and additional expenses. " Motor Breakdown Insurance is designed to insure those who wish to insure themselves when
Duration
The Personal Travel Insurance policy provides cover for all sections as outlined in the Summary of Cover for the duration of the holiday from the time you leave home until you return to it.
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