PLEASE NOTE THAT THIS INSURANCE IS ONLY AVAILABLE TO UK RESIDENTS
We strongly recommend that you and all members of your party are adequately insured as soon as you book your holiday. Indeed it is a condition of booking that you must have insurance cover at least equivalent to that described below. We have arranged a special scheme with ONE Underwriting limited (who are an appointed representative of Byrne & Stacey Underwriting Ltd which is authorized and regulated by the Financial Services Authority), insured by IGI insurance Company Limited (who are Authorised and regulated by the Financial Services Authority and are covered by the Financial Services Compensation Scheme (FSCS)).
Below is a summary of cover and benefits available under the insurance. An insurance certificate containing a more detailed summary will be sent to you with your confirmation of booking. In any event you may ask for a specimen copy of the insurance wording should you wish to examine this in advance.
| PERIOD |
PREMIUMS |
| Up to 2 nights |
£18 |
| 3 - 16 nights |
£24 |
| Additional Week |
£12 |
Children under the age of 18 on departure - Half of the adult premium if accompanied by an Insured Adult. Children under the age of 3 on departure - Free if accompanied by an Insured Adult.
Family* Rate - 2.5 times the applicable rate.
Single Parent Family** 1.5 times the applicable rate.
Persons aged 80 years and over on departure - Refer to Healthcheck Line for Underwriters terms on 08700 662 724.
*Family definition - Both parents travelling with any number of their dependent children under the age of 18 years on departure (including up to 2 non-family children under 18).
** Single Parent Family definition - One parent travelling with any number of their dependent children under the age of 18 years on departure (including up to 2 non-family children under 18).
The above premiums are inclusive of 17.5% Insurance Premium Tax which is adjustable on any amendment to that tax or its rate
INSURANCE COVER AND LIMITS
Our policy provides up to the following:
SUMMARY OF COVER
- Cancellation or Curtailment - Up to £5,000
- Medical Expenses - Up to £5,000,000 Including Emergency Repatriation & Hospital Benefit - £20 Per day Up to £1,000
- Personal Accident Up to £25,000 - Death benefit limited to £15,000 (age limits apply)
- Travel Delay:-
Departure: £20 for the first 12 hours £10 for each 12 hours thereafter - Up to £150
Return: £15 for the first 12 hours, £25 for a further 12 hours (increased to £75 if overnight accommodation and associated costs are incurred to pay for accommodation of a like standard to that booked in the original itinerary) and £10 for each subsequent 12 hours up to a max of £150
Abandonment after 24 hours -
Departure: Up to £5,000
Missed Departure - Up to £2,000
- Baggage & Personal Effects - Up to £2,000
Single Article / Pair / Set Limit - £200
Total Valuables Limit - £200
Delayed Baggage (After 12 hrs) - Up to £100
- Personal Money - Up to £500
Cash Limit £250 (under 18yrs cash limit £100)
- Loss of Travel Documents - Up to £250
- Personal Liability - Up to £2,000,000 -
Excess £250 (property damage only)
- Legal Expenses - Up to £25,000
- Withdrawal of Services - £50 for each 24 hours up to £500
- Hi-Jack - £50 for each 24 hours up to £250
- Mugging £50 for each 24 hours up to £250
- Catastrophe - Up to £500
UNACCOMPANIED CHILDREN
If you have chosen the option of a family policy, the insurance provided extends to cover your children under 18 years of age travelling with an insured adult on the same policy. Children travelling without an insured adult are not covered by this policy and should be separately insured.
WHAT TO DO IN THE EVENT OF A SERIOUS MEDICAL EMERGENCY
You will find in the insurance certificate full details of Your 24 Hour Medical Emergency Service operated by ONE Assist. In the event of a serious medical situation whilst on holiday, you must contact the 24 Hour service on the numbers provided. Simple outpatient treatment should be paid locally and claimed for on your return to the United Kingdom. Should you need to curtail your holiday for any reasons, you must seek prior authorisation from the 24 Hour Emergency Service who will assist you with all arrangements.
WHAT TO DO IF YOU NEED TO MAKE A CLAIM
For all claims other than emergency medical and curtailment claims, please contact: ONE Claims Limited, The Old Building, Bishops College, Churchgate, Cheshunt, EN8 9XH
TRAVEL INSURANCE - IMPORTANT NOTICE
Our Insurance providers are committed to ensuring that our customers are treated fairly, and that you are given enough information to help you make an informed decision before you make a commitment to buy your insurance policy. Under the General Insurance Code for private customers, your attention is drawn to important features of your policy including:
- Insurance Certificate: you will be provided with a policy document at the time you first pay for your insurance premium, you should read the document carefully as it gives you full details of what is and what is not covered and the conditions of the cover. A sample policy wording is available to you before you purchase the insurance if you ask us for one.
- Conditions, Exclusions & Warranties: conditions and exclusions will apply to individual sections of your policy while general exclusions, conditions and warranties will apply to the whole of your policy.
- Health/Pre-existing Medical Conditions:
The policy does not cover claims arising from your pre existing medical conditions or those of people on whom your travel arrangements rely (please refer to the policy wording for full details). If in the last 12 months you have been hospitalized or received treatment including repeat prescription for an ongoing medical condition or are awaiting the results of any medical tests or referral to a specialist you must contact the healthcheck line who will advise you if the condition can be covered. Please note that you may be required to pay an additional premium to obtain cover for pre-existing or on-going medical conditions.
N.B. You are responsible for:-
- Hazardous Pursuits, Dangerous Sports or Pastimes:
if you are going to take part in dangerous activities, sports or pastimes where there is a risk of injury, or can be expected to aggravate an existing infirmity, please contact your Tour Operator to check that your policy covers you. Additional premiums or exclusions may apply.
- Property Claims: these claims are paid based on the value of the goods at the time you lose them and not on a "new for old" replacement cost basis. Claims for sports equipment damaged whilst in use are not covered. "Loss of damage or property" not belonging to you is also not covered.
- Policy Limits: most sections of your policy have limits on the amount the Insurer will pay under that section. Some sections also include other specific limits, for example: for any one item or for valuables in total. You are advised to check your insurance certificate if you intend taking expensive items with you. Items such as camcorders, jewelry etc, should be fully insured under your Household policy.
- Policy Excesses: under most sections of the policy, claims will be subject to excess. This means that you will be responsible for paying the first part of the claim. The amount you have to pay is the excess.
- Reasonable Care: you need to take all reasonable care to protect yourself and your property, as you
would if you were not insured.
- Complaints: your insurance certificate will have in it a Complaints Procedure which tells you what steps you can take if you wish to make a complaint.
- "Cooling Off" Period: your insurance certificate contains a "cooling off" period of 14 days during which you can return the policy and get a refund if you have a justifiable reason for being dissatisfied with the cover it provides. Your policy is governed by English Law
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