• Disclosure It is a condition of this insurance that you make disclosure of any material facts to Insurers.  A material fact is a fact likely to influence Insurers in the acceptance or assessment of the Insurance.  An example is your own state of health or that of any close relative upon whose health the trip would depend.  You should disclose any Chronic Illness or Disease and any Acute Condition that may have arisen in the last 12 months.  If you are taking any regular prescribed medication or been in hospital in the last 12 months, you are likely to have a chronic illness which should be disclosed.   In order to make disclosure, please ask for a Medical Questionnaire or telephone to discuss your situation. Failure to do so may affect your rights under the insurance.

• 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 and Warranties: Conditions and exclusions will apply to individual sections of your policy while general exclusions, conditions and 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 other people upon whose health the trip may 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.

• 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.

• "Cooling Off" Period: Your policy may include a "cooling off" period during which you can return the policy and get a refund, if you have justifiable reason for being dissatisfied with the cover it provides.

Your policy is governed by the law in the country that you reside in, within the United Kingdom, unless otherwise stated on your policy.

The identity of the insurer will be shown on the policy document.

PLEASE MAKE SURE YOU READ YOUR POLICY CAREFULLY

Access Travel (Lancs) Ltd. act as an Appointed Agent of Global Travel Insurance who are members of the General Insurance Standards Council. If you have any questions regarding this insurance you should contact Global Travel Insurance for advice and assistance on 01903 203933, Fax 01903 211106, email enquiries@globaltravelinsurance.co.uk.

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.

SUMMARY OF COVER

POLICY EXCESSES:
An excess of £50 applies to each and every claim, each insured person in respect of cancellation and curtailment (increased to £100 for persons aged 65 or over). There are NO other excess.

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 EXCLUSIONS:
Insurers will not be liable for claims where at the time of taking out the insurance the person whose condition gives rise to a claim:

1) is aware of any medical condition or circumstances which could reasonably be expected to give rise to a claim, or

2) has during the last 12 months suffered from any chronic or recurring illness of a serious nature which has required treatment unless disclosed to Global Travel Insurance and agreed, or

3) is suffering from a previously diagnosed psychiatric disorder, receiving or on a waiting list for hospital or nursing treatment, is expected to give birth before or within 8 weeks of the return trip, or

4) is travelling against the advice of a medical practitioner or for the purpose of receiving treatment abroad, or

5) has been advised of a terminal prognosis.

NOTE
If you have a chronic or recurring medical condition, or have had hospital treatment in the last 12 months, you must disclose it by contacting Global Travel Insurance for a Medical Questionnaire. Failure to do so may affect your rights under the insurance.