Insurance Overview
We consider it essential to be well insured before embarking on an overseas holiday. We will not accept your booking if you are not insured. We are happy for you to purchase our insurance or alternatively you may have your own arrangements. We have agreed an insurance package with Fogg Travel Insurance Services Ltd. underwritten by URV insurance. A full copy of the insurance certificate will be sent with your confirmation of booking.
Personal Insurance
Travel Insurance: summary of cover
- CANCELLATION OR CURTAILMENT
Cost of holiday up to £5,000 - MEDICAL EXPENSES OR REPATRIATION
£10,000,000 - MISSED DEPARTURE
Up to £500 - TRAVEL DELAY
A) Up to £200
B) Abandonment (Up to holiday cost max. £5,000) - PERSONAL LIABILITY
£2,000,000 - PERSONAL POSSESSIONS
£1,500 (Single item £250 max.)
(Valuables £300 max.)
(Ski Equipment (own £500)(hired £300))
(Passport £150 max.)
Personal Accident
- Death up to £15,000
- Loss of one or more limbs or eyes £25,000
- Total permanent disablement £25,000 (Limited to £2,500 for under 16years or over 75)
- DELAYED PERSONAL POSSESSIONS £100
- LEGAL EXPENSES £25,000
- PERSONAL MONEY £500 (Cash limit £250)
- SKI PASS £150
Most sections of this travel insurance are subject to £50.00 excesses. For precise excesses to each part, please check policy details.
Car Insurance
We also strongly recommend that you take out insurance cover against the risk of breakdown or accident on your motoring holiday. We have arranged a policy via Fogg Travel with Lloyd's part of the world's largest travel insurer, which will protect you against such mishaps and enable you to continue your journey as quickly as possible. The cover and service represent excellent value for money. One free phone call to the Control Centre will put you in touch with staff who are there to help you. They will pinpoint your position and arrange for their nearest agent to assist you in getting back on the road as quickly as possible.
Breakdown Insurance: summary of cover
- EMERGENCY ROADSIDE £150
- LABOUR CHARGES £100
- GET YOU HOME OR JOURNEY CONTINUATION COSTS MAXIMUM £500
- REPLACEMENT VEHICLE MAXIMUM £1,500
- WINDSCREEN COVER £200
- SPARE PARTS DELIVERY FOR ESSENTIAL REPAIRS £200
- REPATRIATION OF VEHICLE (Limited to UK market value of car) UP TO THE COST
- NO QUALIFIED DRIVER AVAILABLE UP TO THE COST
- DELAY IN REPATRIATION OF THE INSURED VEHICLE, HIRE OF ALTERNATIVE VEHICLE UP TO THE COST
- CUSTOMS DUTY INDEMNITY £1,000
Insurance Premiums
| Persons Covered | 10 Days Cover - Europe | 17 Days Cover - Europe |
| PER ADULT | £50.00 | £65.00 |
| PER CHILD | £30.00 | £35.00 |
| FAMILY (2 adults and up to 4 children up to 16 years) | £110.00 | £120.00 |
| MOTOR BREAKDOWN (Recovery and Assistance) | £65.00 | £85.00 |
ABI Code of Practice
ASSOCIATION OF BRITISH INSURERS GENERAL BUSINESS CODE OF PRACTICE IMPORTANT NOTICE
Under the Association of British Insurers General Business Code of Practice we have to bring to your attention some of the important features of your travel insurance policy.
INSURANCE POLICY
This contains full details of the cover provided plus the conditions and exclusions which apply to it. You must read the insurance policy carefully.
CONDITIONS AND EXCLUSIONS
These are conditions and exclusions which apply to individual sections and general conditions, exclusions and warranties which apply to the whole policy.
HEALTH
If you or any other person on whom the travel plans depend have ever had treatment for any heart or circulatory condition, a stroke or high blood pressure, breathing condition (including asthma), any type of cancer, diabetes, any psychological condition, any existing injury or other serious or re-occurring medical condition requiring long term prescribed medication, or if you are receiving or awaiting investigation for any medical condition, you must advise our Medical Referral Helpline on 01623 631 331 to see if additional cover is available. Insurers reserve the right to impose terms. You will receive confirmation in writing of their decision.
PROPERTY CLAIMS
These are settled on an indemnity basis - not on a "new" for old or replacement cost basis.
POLICY LIMITS
Most sections of the policy have limits on the amount the insurer will pay under that section. Some sections also include inner limits e.g. for any one item, or for valuables in total.
POLICY EXCESS
Claims under most sections of the policy will be subject to an excess. Where there is an excess, you will be responsible for paying the first part of the claim.
TELLING US ABOUT RELEVANT FACTS
You must tell Insurers or ourselves before you travel about anything which may affect your cover. This information must be complete and adequate. If you are not sure whether something is relevant you should tell us anyway. You should keep a record of any information you give us. If you do not tell Insurers about something that may be relevant, your cover may be refused and Insurers may not cover any related claims.
COMPLAINTS
The Insurance policy includes a Complaints Procedure which tells you what steps you can take if you wish to make a complaint.
HAZARDOUS HOLIDAY ACTIVITIES
The policy may not cover you when you take part in certain hazardous activities e.g.: paragliding. The contract will be subject to English Law unless otherwise agreed.
PLEASE ENSURE YOU READ YOUR INSURANCE POLICY CAREFULLY
Issued by Fogg Travel Insurance Services Limited - who are authorised and regulated by the FSA, no. 307304