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

 

 

 

 

 

 

 

 

 

 

HOLIDAYS