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| Holiday and Business Travel
Insurance |
COVER AVAILABLE TO U.K. RESIDENTS ONLY
AGE LIMIT 75 YEARS
Premiums per person -EX U.K.
Inclusive of Insurance Premium tax at the current rate.
ADULTS
| Period |
Europe |
Worldwide |
| UP TO 17 DAYS |
18.00 |
38.00 |
| 18 - 31 DAYS |
20.00 |
42.00 |
EACH ADDITIONAL MONTH OR PART OF THEREOF
(Maximum six months in all) |
18.00 |
36.00 |
CHILDREN 2 AND UNDER 16 - HALF THE ABOVE RATES
UNDER 2 YEARS - FREE OF CHARGE
WINTER SPORTS - DOUBLE RATES
Europe area means Europe (Including Channel Islands and Republic of Island), Jordan, Madeira, Canary Islands and countries bordering the Mediterranean Sea.
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| SUMMARY OF COVERS |
Section Cover Adults Children under 16
Up to |
- Cancellation and Curtailment 1,000 1,000
- Personal accident - Death 5,000 5,000
Permanent Total Disablement 5,000 5,000
Loss of one or more limbs and/or
Sight of one or both eyes 5,000 5,000
- Medical and additional Expenses 5,000,000 5,000,000
- Baggage and Personal Effects 1,000 Included in (Single article limit 150.00) adults cover
,Delayed Baggage 50 Included in adults cover
- Personal Money 150 Included in adults cover
- Loss of Passport 250 250
- Travel Delay
- In the event of 12 hours delay GBP20.00 per passenger and
GBP10.00 each subsequent 12 hour period will be paid GBP 60.00 maximum.
- If delay exceeds 12 hours and you wish to cancel your holiday.
1,000 1,000
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- Missed Departure 500 500
- Personal Liability 1,000,000 1,000,000
- Legal Expenses 5,000 5,000
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| THIS INSURANCE ALSO INCORPORATES A 24 HOUR MEDICAL EMERGENCY SERVICE AND AIR AMBULANCE COVER |
| Principal exclusions |
Section 1, 2, 3, & 7
Whilst engaged or taking part in Aeronautics or Aviation other than as a fare paying passenger
Winter sports (unless the appropriate premium has been paid), mountaineering (normally involving ropes and/or guides), sports tours and motor competitions. Travelling against the advise of a qualified medical practitioner or for the purpose of obtaining medical treatment, or are in belief that the journey or holiday maybe cancelled or curtailed or expense be incurred. Pregnancy where expected to give birth before, or within two months of arrival home. Intentional self injury and /or suicide. The cost of medical or surgical treatment of any kind incurred in the U.K. Any expenses incurred either directly or indirectly in the treatment or diagnosis of either AIDS or AIDS Related Complex. The cost of repatriation on the grounds of the fear of contracting AIDS from medical treatment.
Sections 1 & 3
The first GBP40.00 of each and every loss, except GBP15.00 loss of deposit.
Section 4
Loss arising from confiscation or detention by customs or other authority, property otherwise insured. Damage due to moth, vermin, wear and tear and gradual deterioration war and kindred risks. Loss of baggage or personal effects left unattended unless locked in a hotel room, apartment, holiday residence, motor vehicles or in the care of a responsible person known to the insured. Any baggage or personal effects lost whilst in the custody of an airline or carrier not reported to the airline carrier within 24 hours.
Money and Valuables left in unattended motor vehicles.
The first GBP40.00 of each and every loss
Section 5
No claims payable unless loss reported to the police within 24 hours of discovery and police statement obtained. Shortages due to error or omission, depreciation in value.
Loss or theft of money unless carried on the insured persons. The first GBP40.00 of each and every loss
Section 6
No claims payable unless loss or theft reported to the police within 24 hours of discovery and a police report obtained.
Section 7
Strike or industrial action in existence at the time of effecting insurance.
The first GBP40.00 of each and every loss in respect of cancellation only.
Section 8
Strike or industrial action in existence at the time of effecting insurance.
Car breakdown claims unless a repairers report obtained and proof that the car has been properly serviced.
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