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Holiday insurance
ur comprehensive holiday insurance package is provided for us by leading experts Holiday Extras and underwritten by Europ Assistance.This great policy offers a very high level of cover for your holiday. Excellent value for money and total peace of mind that really is a great deal! Whilst we believe that our policies represent a perfect balance between premium costs and the high level of cover provided, we do not insist that customers take out our insurance. However it is a condition of booking that you have adequate insurance if you are travelling outside the UK.
In accordance with the General Business Code of Practice we are pleased to show opposite the most important features of our policy. Full information will be sent with your policy document. You then have a 14 day cooling off period. During that time you may return the documents and have a full refund of your premiums if you are dissatisfied with the cover it provides.
Just compare our policy our small prints worth reading!
" The Underwriter has accepted the condition(s) for Check headline rates carefully against prices insurance in writing. quoted Beware low lead-in prices which are not widely Each Insured Person who has a Pre-existing Medical Condition must make a Medical Health Declaration available before each Period of Insurance and, if there are any Compare cover item by item changes inYour health or prescribed medication, Y Check medical cover especially carefully prior to commencement of the Period of Insurance f T Take extra care with medical cover when visiting or departing on any Trip. T expensive areas such as America Failure to declare ALL Pre-existing Medical Watch out for premiums, which are only cheaper Conditions that are relevant to the insurance may because of a high excess invalidate the policy. High excess means that many of your claims The Underwriter may require You to obtain a Y would be excluded anyway! medical report fromYour General Practitioner Y or Consultant in order to assess whether cover We choose only insurance companies with experience in holiday insurance. Europ Assistance applies. Any costs incurred in obtaining this medical report shall be borne by You. Y have been underwriting travel insurance for Based on the Underwriters assessment of the 40 years. medical information supplied to them, they will If you are insured with us: decide whether or not the person is suitable for Y You can phone our emergency number from insurance, if certain exclusions or restrictions anywhere in the world should be imposed, or if cover can be offered Our offices are manned 24 hours a day, subject to the payment of an additional premium. every day If cover is offered, and is subject to the payment of Our staff are in a better position to provide an additional premium, cover will not commence assistance until full payment has been received by the Underwriter and written confirmation has been We provide a direct-dial number, which will provided by them. connect you to an organisation who will T To declare a Pre-existing Medical Condition or provide expert advice and guidance a change inYour state of health or prescribed Y We can provide you with support for your medication,You should contact the Medical Y claim and help your negotiations with the Screening Helpline during office hours on: insurance company 0870 737 6123. IMPORTANT HEALTH REQUIREMENTS RT L IMPORTANT LIMITATIONS RT TA All persons purchasing this insurance cover must CANCELLATION, CURTAILMENT & TRIP A RT comply with the following conditions in order to INTERRUPTION COVER have full protection under this policy. If You do not Y This policy will NOT cover any claims under T comply the Underwriter may cancel the policy, Section 6 (Cancellation, Curtailment or Trip T refuse to deal with Your claim or reduce the amount Y Interruption) arising directly or indirectly from any of any claim payment. Pre-existing Medical Condition, (known toYou prior Y This insurance operates on the following basis: to the commencement of the Period of Insurance) " To be covered,You must be healthy, fit to travel and T Y affecting any: to undertake Your planned Trip; Y T " Close Relative who is not travelling as an Insured " The insurance will NOT cover You when You are T Y Y Person under this policy; or travelling against the advice of a Medical Practitioner " travelling companion who is not insured under (or would be travelling against the advice of a this policy; or Medical Practitioner hadYou sought his/her advice); Y " person with whom You intend to stay whilst on Y " The insurance will NOT cover You when You are T Y Y Y Your trip, travelling with the intention of obtaining medical ..if during the 90 days immediately prior to the treatment or consultation abroad. commencement of the Period of Insurance they had: " The insurance will NOT cover You if You have any T Y Y a. required surgery, inpatient treatment or hospital undiagnosed symptoms that require attention or consultations; or investigation in the future (that is symptoms for whichYou are awaiting investigations/consultations, b. required any form of treatment or prescribed Y medication; or or awaiting results of investigations, where the c. if they were on a waiting-list for, or had knowledge underlying cause has not been established) of the need for, surgery, inpatient treatment No claim arising directly or indirectly from a Pre-existing Medical Condition affecting You will be or investigation at any hospital or clinic at the Y commencement of the Period of Insurance; or covered unless d. if a terminal diagnosis had been received prior "You have declared ALL Pre-existing Medical Y to the commencement of the Period of Insurance. Conditions to the Underwriter; and Y You should also refer to the General Exclusions. "You have declared any changes in Your health or Y Y prescribed medication; and
Section
Cancellation and Curtailment Medical Expenses and Emergency Repatriation Hospital benefit Baggage & Personal Effects
Maximum Limit
Up to £5,000 Up to £5,000,000 £15 per day up to £600 r Up to £1,500 £250 single item limit £200 valuables limit £100 after 12 hrs Up to £300 £100 cash limit (£50 Under 18) £20 for the 1st 8 hrs then £20 per 12 hours up to £60 Up to £500 after 8 hour delay Europe Up to £300 Worldwide Up to £600 £25,000 £25,000 £10,000 £1,000 Up to £2,000,000 Up to £25,000
Excess
£75 £75 £100 if over 65 Nil £75
Delayed Baggage Money & Document
Nil £75
T Travel Delay
Nil
Holiday Abandonment Missed Departure Personal Accident Permanent Total Disablement T Loss of limb(s)/eye(s) Death Death under 16 years Personal Liability Legal Expenses
£75 £75
Nil
Nil Nil
NB: A statement of cover will be sent with your confirmation of booking. If required, a copy will be sent on request prior to booking. Details valid for policies issued up to 31 August 2008 for trips starting on or before 31 July 2009.
Insurance premiums are per person Age bands relate to date on which holiday is booked
Duration
European Holidays Up to 4 days Up to 7 days Up to 9 days Worldwide Holidays Up to 10 days Up to 19 days Up to 32 days
Aged 64 or under
£29 £37 £42 £77 £95 £115
Aged 65 to 69
£58 £72 £82 £154 £190 £230
Aged 70 to 85
£68 £82 £92 £174 £210 £250
We regret that Europ Assistance are unable to provide insurance for any customer aged 86 and over at the date of booking. All Premiums include Government imposed 17½% Insurance Premium Tax T
Annual Multi Trip Insurance
If you are a frequent traveller, aged 75 or under, and are interested in an annual insurance policy, Holiday Extras will be pleased to offer you an individual quotation. Please ring them direct on E 0870 844 2755.When comparing quotations be careful to check like-for-like cover.
A Avoid the Excess for £9
The policy excesses are applied per person and for each separate part of any claim. These excesses can quickly mount up to become a significant sum. If you add just £9 per person to the premiums shown, you will avoid any excesses being applied.
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