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Travel
Insurance
ATRAVEL
INSURANCE
Access Travel (Lancs) Ltd are happy to offer to you the following
insurance that has been arranged for us by Global Travel Insurance
Services Ltd and which is underwritten by AXA Insurance UK plc. Both
companies are Authorised and Regulated by the Financial Services Authority
(FSA).
This insurance has been specifically designed so that it covers all
of the holidays that we feature, protecting you in full if you have
to cancel and providing you with the very best and most effective
protection if you are unfortunate enough to require medical attention
whilst away from home.
Don’t take unnecessary risks by insuring your holiday anywhere
else as we cannot accept any responsibility or provide assistance
if problems arise as a result of inadequate cover. We are confident
that this policy is best for you.
A full policy wording will be sent to you with your confirmation of
booking. Full details are also available upon request.
This insurance is only available to persons who are permanently resident
and domiciled in the UK and is valid for holiday between 01/01/2009
and 31/12/2009 .
INSURANCE PRODUCT SUITABILITY
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 120 days duration.
2 Age is 90 years or less 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 Global Travel Insurance Services Ltd for further
advice.
SUMMARY OF COVER
-
| Main
policy limits only, please see the policy document for other
limits that may apply |
| Section |
Limit |
| Cancellation
and Curtailment |
£3,000 |
| Personnal
Accident |
£15,000 |
| Medical
and Other Expenses |
£5,000,000 |
| Hospital
Benefit |
£300 |
| Personal
Luggage,Money &Valuables |
£2,000 |
| Lost
Passport |
£200 |
| Travel
Delay |
(a)
£60 (b) £3,000 |
| Loss
of Passport |
£200 |
| Missed
Departure |
£500 |
| Perssonal
Liability |
£2,000,000 |
| Legal
Expenses |
£25,000 |
POLICY
EXCESSES:
Cancellation or Curtailment
The first £50 of each and every claim per Insured Person claimed
for under this Section is excluded, increased to £100 where
You are aged 66 to 75 years and to £150 where You are aged
76 to 90 years (other than in respect of claims for loss of deposit
where the excess is £25).
Medical and Other Expenses
The first £75 of each and every claim per Insured Person claimed
for under this Section is excluded.
Where You are aged 66 to 75 years the first £150 of each and
every claim per Insured Person claimed for under this Section is
excluded.
Where You are aged 76 to 90 years the first £300 of each and
every claim per Insured Person claimed for under this Section is
excluded.
Other Sections
An excess of £50 applies to each and every claim each insured
person under the Personal Luggage Money & Valuables and Delayed
Departure (b) sections, and £250 under the Personal Liability
section.
Increased Excess for Pre Existing Medical Conditions
There is no need to advise us of your pre existing health conditions.
Provision for the acceptance of all pre existing health conditions
has been made by the application of increased excesses in the event
of claims arising.
For claims arising from the treatment of any pre existing illness
the excess is further increased as follows –
Under the Cancellation or Curtailment section - double the normal
excess.
Under the Medical & Other Expenses section
For persons aged 65 years or less the excess is increased to £500.
For persons aged 66 to 75 years the excess is increased to £1,000.
For persons aged 76 to 90 years the excess is increased to £1,500.
You will also need to obtain confirmation from your GP of your fitness
to travel.
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 directly or indirectly from the
following circumstances existing on the date of applying for this
insurance:
(a 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.
() From any terminal illness suffered by You (or any person upon
whose health the Trip depends).
(c) From any medical condition for which You (or any person upon
whose health the Trip depends) have within 12 months prior to the
date of issue of this insurance been diagnosed or have been admitted
to or undergone a procedure/ intervention in a hospital.
(d) From any reoccurrence of any psychiatric disorder, anxiety state
and/or depression suffered by You (or any person upon whose health
the Trip depends)
(e) Where You are travelling against the advice of a Medical Practitioner.
PLEASE READ YOUR POLICY CAREFULLY
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 are handled
by Towergate Chase Parkinson who act on behalf of the Insurers and
not the customer in relation to any claim. The telephone number is
0870 906 3144.
General Queries
If you have any query regarding the cover provided you must contact
Global Travel Insurance on 01903 203933 for advice.
Applicable Law
The law applicable to this insurance contract is English Law.
Complaints
If you wish to register a complaint about our service please contact
us in writing at the above address. If you cannot settle your complaint
with us, you may be entitled to refer it to the Financial Ombudsman
Service.
Financial Security
These insurance arrangements are covered by the Financial Services
Compensation Scheme (FSCA). You may be entitled to compensation from
the scheme if we cannot meet our financial obligations although this
depends on the type of business and the circumstances of the claim.
Insurance advising and arranging is covered for 100% of the first
£2,000 and 90% of the remainder of the claim, without any upper
limit. Further information about compensation scheme arrangements
is available from the FSCS
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.
The
premium and tax must be paid with your deposit. 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 provide us with details of your alternative
insurance. This insurance is only available to persons who are permanently
resident and domiciled in the U.K. Separate arrangements are available
from Global Travel Insurance for Non UK Residents.
Premiums
for 2009 |
|
Up
to 5 day |
10
days |
17
days |
24
days |
Europe |
£32.00 |
£40.00 |
£46.00 |
£53.00 |
USA |
|
£80.00 |
£80.00 |
£97.00 |
Worldwiide |
|
£58.00 |
£58.00 |
£79.00 |
Children
under 2 years Free of Charge |
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