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Holiday Insurance
Our 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 dissatised with the cover it provides.
Section
Cancellation and Curtailment Medical Expenses and Emergency Repatriation Hospital Benet Baggage & Personal Effects
Maximum Limit
Up to £5000 Up to £5,000,000 £15 per day up to £600 Up to £1500 £250 single item limit £200 valuables limit £100 after 12 hours Up to £300 £100 cash limit (£50 Under 18) £20 for the 1st 8 hours 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 £1000 Up to £2,000,000 Up to £25,000
Excess
£75 £75 £100 if over 65 Nil £75
Delayed Baggage Money & Document
Nil £75
Travel Delay
Nil
Just compare our policy our small prints worth reading!
Check headline rates carefully against prices quoted Beware low lead-in prices which are not widely available Compare cover item by item Check medical cover especially carefully Take extra care with medical cover when visiting expensive areas such as America Watch out for premiums, which are only cheaper because of a high excess High excess means that many of your claims would be excluded anyway! We choose only insurance companies with experience in holiday insurance. Europ Assistance have been underwriting travel insurance for 40 years. If you are insured with us: You can phone our emergency number from anywhere in the world Our offices are manned 24 hours a day, every day Our staff are in a better position to provide assistance We provide a direct-dial number, which will connect you to an organisation who will provide expert advice and guidance We can provide you with support for your claim and help your negotiations with the insurance company IMPORTANT HEALTH REQUIREMENTS All persons purchasing this insurance cover must comply with the following conditions in order to have full protection under this policy. If You do not comply the Underwriter may cancel the policy, refuse to deal with Your claim or reduce the amount of any claim payment. This insurance operates on the following basis: " To be covered, You must be healthy, fit to travel and to undertake Your planned Trip; " The insurance will NOT cover You when You are travelling against the advice of a Medical Practitioner (or would be travelling against the advice of a Medical Practitioner had You sought his/her advice); " The insurance will NOT cover You when You are travelling with the intention of obtaining medical treatment or consultation abroad. " The insurance will NOT cover You if You have any undiagnosed symptoms that require attention or investigation in the future (that is symptoms for which You are awaiting investigations/consultations, or awaiting results of investigations, where the underlying cause has not been established) No claim arising directly or indirectly from a Preexisting Medical Condition affecting You will be covered unless " You have declared ALL Pre-existing Medical Conditions to the Underwriter; and " You have declared any changes in Your health or prescribed medication; and " The Underwriter has accepted the condition(s) for insurance in writing. Each Insured Person who has a Pre-existing Medical Condition must make a Medical Health Declaration before each Period of Insurance and, if there are any changes in Your health or prescribed medication, prior to commencement of the Period of Insurance or departing on any Trip. Failure to declare ALL Pre-existing Medical Conditions that are relevant to the insurance may invalidate the policy. The Underwriter may require You to obtain a medical report from Your General Practitioner or Consultant in order to assess whether cover applies. Any costs incurred in obtaining this medical report shall be borne by You. Based on the Underwriters assessment of the medical information supplied to them, they will decide whether or not the person is suitable for insurance, if certain exclusions or restrictions should be imposed, or if cover can be offered subject to the payment of an additional premium. If cover is offered, and is subject to the payment of an additional premium, cover will not commence until full payment has been received by the Underwriter and written confirmation has been provided by them. To declare a Pre-existing Medical Condition or a change in Your state of health or prescribed medication, You should contact the Medical Screening Helpline during office hours on: 0870 737 6122. IMPORTANT LIMITATIONS - CANCELLATION, CURTAILMENT & TRIP INTERRUPTION COVER This policy will NOT cover any claims under Section 6 (Cancellation, Curtailment or Trip Interruption) arising directly or indirectly from any Pre-existing Medical Condition, (known to You prior to the commencement of the Period of Insurance) affecting any: " Close Relative who is not travelling as an Insured Person under this policy; or " travelling companion who is not insured under this policy; or " person with whom You intend to stay whilst on Your trip, ..if during the 90 days immediately prior to the commencement of the Period of Insurance they had: a. required surgery, inpatient treatment or hospital consultations; or b. required any form of treatment or prescribed medication; or c. if they were on a waiting-list for, or had knowledge of the need for, surgery, inpatient treatment or investigation at any hospital or clinic at the commencement of the Period of Insurance; or d. if a terminal diagnosis had been received prior to the commencement of the Period of Insurance. You should also refer to the General Exclusions.
Holiday Abandonment Missed Departure Personal Accident Permanent Total Disablement 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 conrmation 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 Up to 4 days Up to 8 days Up to 10 days Up to 13 days Up to 16 days Up to 18 days Up to 20 days Up to 22 days Up to 23 days Up to 29 days Long Haul Up to 29 days
Aged 64 or under
£41 £56 £61 £67 £79 £82 £85 £88 £90 £92 £92
Aged 65 to 69
£62 £79 £84 £90 £104 £107 £111 £114 £117 £120 £162
Aged 70 to 85
£72 £89 £94 £100 £124 £127 £131 £134 £137 £140 £182
Premiums for extended stays over 30 days are per week or part thereof: Aged 64 or under: £20 Aged 65 to 69: £42 Aged 70 to 85: £52 We regret that Europ Assistance are unable to provide insurance for any customer aged 86 and over at the date of booking. Childrens Reductions: We are pleased to offer a 50% reduction on the insurance premium for children aged up to 15 years inclusive (please advise at the time of booking). All Premiums include Government imposed 17½% Insurance Premium Tax. Prices valid for policies issued up to 31 August 2008 for trips commencing on or before 31 July 2009. If you book after this date, please contact us for an updated price.
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 0870 844 2755. When comparing quotations be careful to check like-for-like cover.
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 signicant sum. If you add just £9 per person to the premiums shown, you will avoid any excesses being applied.
that we are energy efficient and encourage staff to minimise electricity and other fuel consumption wherever possible. We are also pleased to work in partnership with print and paper companies who have clear environmental policies in place. Our key suppliers either hold, or are working towards, ISO 14001 accreditation, an international standard for controlling and improving environmental performance. Furthermore our paper supplier is committed to sourcing materials that originate from well-managed forests with credible and audited certification standards. If you would like to offset your CO2 emissions we suggest using our preferred partner Climate Care. To calculate the impact of your holiday, use the calculator on their website www.climatecare.org. Your payment, which is of course entirely voluntary, may be much less than you think. Examples of the cost of offsetting one persons return flight are as follows: Munich £1.69 Rome £2.45 New York £11.55 Delhi £14.12 Vancouver £16.06 Cairo £5.80
Our responsibility for the environment
Concern for the environment has become a major issue, particularly the impact of how we live our lives in the world around us. Every time we switch on the heating or travel somewhere, we are adding CO2 to the atmosphere and many people are now realising that they can do something to reduce their impact on a very personal level. As a result, and in response to suggestions from many of our customers, we have been looking at ways in which we can all help.
Reducing our impact!
To reduce greenhouse gas emissions like CO2 and prevent further damage to our environment it is possible to offset the effects of travel, particularly when we fly. Carbon Offsetting means donating money to projects specifically set up with the aim of reducing the level of CO2 in the atmosphere thus making your travel carbon neutral. Typical projects include: Reforestation absorbs CO2 from the atmosphere as the trees grow Renewable energy sources replaces non-renewable fuel such as coal and oil Energy efficiency reduces the amount of fuel needed To demonstrate our commitment, we pledge to offset the carbon emissions of flights for our staff when researching and planning our holidays. Furthermore as a responsible company we have taken steps to minimise our pollution and energy loss and conserve natural resources wherever possible. We recycle as much as possible (paper, cans and many other items), use the latest technology to ensure
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