Insurance Information

*Family definition - both parents travelling with up to 4 dependent children under the age of 18 years on departure.

The above premiums are inclusive of 17.5% Insurance Premium Tax, which is adjustable on any amendment to that tax or its rate.

Excesses: Sections 1 and 2 are subject to an excess of £75 per person per claim and sections 4 and 6 (Missed Departure only) are subject to an excess of £50 per person per claim. 7 is
subject to an excess of £200 per person per claim.

This gives you full details of what is and is not covered and the conditions of cover. You must read the insurance policy carefully.

Conditions and exclusions will apply to individual Sections of your certificate while general exclusions, conditions and warranties will apply to the whole of your insurance certificate.

Your certificate contains restrictions regarding pre-existing medical problems concerning the health of the people travelling and of other people upon whose health the trip may depend. You are advised to read the document carefully.

These claims are paid based on the indemnity value of the goods at the time you lose them, and not on a ‘new for old’ or replacement cost basis.

Most sections of the policy have limits on the amount the insurers will pay under that section. Some sections also include other specific limits, for example, for any one item or valuables in total. You are advised to check your policy if you intend taking valuable items with you.

Under most sections of the policy claims will be subject to an excess. This means that you will be responsible for paying the first part of each claim. The amount you have to pay is the excess.

You will need to take all reasonable care to protect yourself and your property as you would if you were not insured.

The insurance policy includes a Complaints Procedure, which tells you what steps you can take if you wish to make a complaint.

It is a criminal offence to make a fraudulent claim.

The policy may not cover you when you take part in certain hazardous activities e.g. mountaineering, scuba diving – additional cover may be available on request.

Your insurance certificate contains a cooling off period of 14 days during which you can return the insurance document and get a full refund if you have a justifiable reason for being dissatisfied with the cover it provides. The Insurance Policy will be subject to English Law unless agreed otherwise.

The insurance is valid for departures from 01 September 2004 to 31 December 2004 for trips ending prior to 31 December 2005. For rates, terms and conditions from 01 January 2005 please call 0870 777 7765 for further details.