We are happy to recommend to you the following insurance
that has been arranged for us by AULTernative Travel
Insurance and is underwritten by IGI Insurance Limited.
A full policy wording will be sent to you with your
confirmation of booking. Full details are also available
upon request. If you do not wish to be included
in this insurance, you must state this on the booking
form and must provide us with details of your alternative
insurance at the time of booking.
INSURANCE PRODUCT SUITABLITY
This insurance is suitable for persons whose Demands
and Needs are those of a traveller whose -
1 Individual round trip starts and finishes in the
UK and is of no more than 140 days duration.
2 Any age is applicable and is a permanent resident
of the United Kingdom.
As this description contains the Key Features of the cover provided it constitutes provision of a statement of demands and needs. If you would like more information or are unsure of any details contained herein, you should ask AULTernative Travel Insurance for further advice.
SUMMARY OF COVER
Main policy limits only, please see the policy
document for other limits that may apply
Section Limit
- Cancellation & Curtailment £4,000
- Death £5,000
- Loss of Limbs £5,000
- Permanent Total Disablement £5,000
- Medical & Other Expenses £2,500,000
- Hospital Benefit £2,000 (£50 per 24 hrs.
up to a max. £2000)
- Personal Money £1,000 (Cash limit carried on
any one insured person £250)
- Personal Luggage £3,000 (Single article limit £500)
- Valuables £500
- Loss of Passport, Ticket & Documents £500
- Travel Delay £20 first 12 hours, £20 each
additional 12 hours (maximum £250)
- Missed Departure £2,000
- Personal Liability £2,000,000
- Legal Expenses £25,000
POLICY EXCESSES:
An excess 0f £50 applies to every claim for each
insured person under the Medical & Other Expenses
and Personal Luggage Money & Valuables sections.
An excess of £100 applies to every claim for
each insured person under the Cancellation & Curtailment
section.
Increased Excess
For person’s aged 65 or over the Cancellation & Curtailment
and the Medical & Other Expenses excess is doubled.
PRE EXISTING MEDICAL CONDITIONS
Your policy does not provide cover for re-occurring
or pre-existing health conditions unless declared
to and accepted by the Insurers, please see the main
Health Exclusions detailed below. We will not
pay for any claim that has anything to do with that
medical condition.
Please refer to the KEY FACTS of the policy/
For advice and assistance, please contact the HEALTH
CHECK LINE on 08700 662 724.
EMERGENCY ASSISTANCE:
There is a 24-hour emergency assistance service included
in the policy so that any insured person may seek
assistance in medical emergencies whilst on holiday.
Full details are contained in the policy document.
MAIN HEALTH EXCLUSIONS:
We will not pay for claims arising
Where You or any person upon whose health the trip
depends
- are undergoing tests for the presence of a
medical condition receiving or on a waiting
list for or have knowledge of the need for
treatment at a hospital or nursing Home.
- have received
a terminal prognosis.
- From any psychiatric disorder,
anxiety state
and/or depression suffered by You for
which You have previously received
treatment or have been diagnosed prior to
the date of booking or of issue of the
insurance.
- are expected to give birth before or within
14 weeks of date of return to the UK.
- If You are travelling
against the advice of a
Medical Practitioner or for the purpose of
obtaining medical treatment abroad.
- suffer from an ongoing
chronic medical
condition diagnosed or for which You have
been hospitalised within 12 months prior to
the date of booking.
INSURANCE PRODUCT DISCLOSURE
Cancellation Rights
The Insurer provides a Money Back Guarantee enabling
you to cancel the insurance within 14 days of issue
should the policy not meet your requirements. No refund
of premium is provided for cancellations after this
time.
Claims
Claims are handled by Claims International Ltd who
act on behalf of Insurers and not the customer in relation
to any claim. The telephone number is 08700 662
717.
Applicable Law
The law applicable to this insurance contract is English
Law.
IMPORTANT NOTICE
We would like to draw to your attention certain important
features of travel insurance policies in general
as follows.
POLICY DOCUMENT: you should read
the document carefully. It gives you full details of
what is and what is not covered and the conditions
of the cover. Cover will vary from policy to policy
and Insurer to Insurer.
CONDITIONS,EXCLUSIONS & WARRANTIES
Conditions and exclusions will apply to individual
sections of your policy whilst general exclusions,
conditions & warranties will apply to the whole
of your policy.
HEALTH:
your policy may contain restrictions
regarding pre-existing medical
problems concerning the health
of the people travelling and
of the people upon whose health
the
trip will depend. You are advised
to read your policy carefully.
DANGEROUS SPORTS
OR PASTIMES:
if you are going to take part
in dangerous sports or pastimes where there is a high
risk of injury, check that
your policy covers you.
PROPERTY CLAIMS:
these claims are paid based
on the value of the goods at
the time you lose or damage
them and not on a "new for
old" or replacement cost basis.
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 policy if you intend
taking expensive items with you.
POLICY EXCESSES:
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 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.
COMPLAINTS:
your insurance policy will
have in it a complaints procedure
which tells you what steps
you can take if you wish to
make a complaint.
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