Travel Insurance
is something which you buy, but hope never
to use. If you are unfortunate and have to use it, you
want to be sure that the policy you have is suitable
for the situation. In order to protect you, therefore,
we have arranged a comprehensive travel insurance policy
through Master Travel Insurance, which is underwritten
by Union Reiseversicherung AG, thus providing first
class security. We need to bring to your attention certain
information about your Travel Insurance Policy.
A full copy of the wording will be
sent to you along with your booking confirmation invoice.
If the cover provided does not meet your requirements,
or if you have any queries about the insurance, please
call John Brander
on 01923 224881, who will be pleased to answer your queries and
arrange additional or alternative cover if necessary.
| Personal Accident |
Up to £10,000 |
| Medical and Emergency Expenses |
Up to £5,000,000 |
| Hospital Benefit |
Up to £500, £10 per day |
| Cancellation and Curtailment |
Up to £3,000 |
| Departure delay |
Up to £100 |
| Missed Departure/Connection |
Up to £500 |
| Personal Possessions |
Up to £1,500 (up to £200 per item) |
| Delayed Baggage |
Up to £100 after 12 hours |
| Loss of Travel Documents |
Up to £250 |
| Personal Money |
Up to £500 (£200 Cash) |
| Personal Liability |
Up to £2,000,000 |
| Legal Expenses |
Up to £25,000 |
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The policy excludes claims arising from pre-existing medical conditions so you need to tell insurers about anything that is likely to affect their acceptance of cover.
This will also apply to anyone upon whom the trip depends and is not insured under the policy. In order to obtain confirmation of cover, please telephone Travellers Healthcheck on 08 456 582 999 so that they can advise whether full cover can be granted. Failure to contact Travellers Healthcheck will prejudice any claim that you may make resulting from a medical condition that has not been declared. |
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Under the ABI
Code of Business Practice, your attention is drawn to
the following important features of your travel insurance
policy. |
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| POLICY DOCUMENT: |
This contains
the full details of the cover provided plus the conditions
and exclusions which apply to it. You must read the
insurance policy carefully. |
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| CONDITIONS, EXCLUSIONS & WARRANTIES: |
There are conditions
and exclusions which apply to individual sections and
general conditions, exclusions and warranties which
apply to the whole policy. |
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| FRAUDULENT CLAIMS: |
| The making of a fraudulent claim
is a criminal offence. |
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| MEDICAL EXPENSES: |
Please note
this section does not provide private health care unless
specifically approved by the emergency service. |
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| BAGGAGE & MONEY CLAIMS: |
These claims
are based on the value of the goods at the time you
lose them and not on a "new for old or replacement
cost basis". Police reports and Property Irregularity
Reports are required in the event of a claim. Losses
from motor vehicles, the beach or public areas are excluded.
Do not leave baggage unattended. |
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| POLICY LIMITS: |
Most sections
of your policy have limits on the amount the Insurer
will pay under that section. The Baggage & Money
sections also include the specific limits relating to
any one article, valuables in total and cash. Expensive
items, such as video cameras, should be insured all year
round under a Household or All Risks Insurance. |
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| "COOLING OFF" PERIOD: |
We have tried
to produce as comprehensive a policy as possible. However,
if having asked Master Travel to provide
additional cover, you find that the policy does not
meet your needs, you can return the policy to us for
a full refund of premium. This must be done within 7
days of making your booking, and you must not have travelled,
nor submitted (or intended to submit) a claim. |
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HAZARDOUS HOLIDAY ACTIVITIES: |
If you are going
to take part in hazardous holiday activities, check
that your policy covers you. U.K. LAW: This allows the
parties to choose the Law applicable to the contract.
The contract will be subject to English Law unless otherwise
agreed. |
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DATE RECOGNITION FAILURE: |
Your policy
may contain exclusions for losses arising from failure
of equipment to correctly recognise the calendar date,
such as the change to the year 2000. |
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| POLICY EXCESS: |
Under most sections
of the policy claims will be subject to an excess. This
means you will be responsible for that part of the claim.
The amount you have to pay is the excess. |
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REASONABLE CARE: |
You need to
take all reasonable care to protect yourself and you
property, as you would if you were not insured. |
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| CUSTOMER SATISFACTION: |
Whilst Master Travel
and the Insurers intend to give you
a first class service, it is possible that you may be
dissatisfied with the way in which a claim is handled.
In that case a complaints procedure is clearly shown
in the policy. |
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