TRAVEL INSURANCE
Travel insurance is a vital aspect to booking a holiday, giving you protection against unforeseen circumstances that could otherwise spoil your holiday. It is important that you purchase travel insurance that properly covers your participation in whatever activities you may undertake at the time that you make you booking. To assist you with this, we have arranged competitive travel insurance from Travel & General Insurance Services Limited to specifically meet your needs on your holiday.
The schedule of cover below sets out a summary of the cover provided by our tailored insurance. The cover is underwritten by UK General Insurance Limited on behalf of Ageas Insurance Limited. Skills Travel Limited is an Appointed Representative of Travel & General Insurance Services Limited and are authorised and regulated by the Financial Services Authority, full details can be found at www.fsa.gov.uk
Standard Schedule of Cover
|
Section
|
|
Sum Insured Per Person
|
Excess
|
|
A
|
Cancellation of Curtailment Charges
|
£3,000
|
£50
|
|
B
|
Medical Expenses
Hospital Benefit
Criminal Injuries Benefit
|
£5,000,000
£20 for each 24hr period to a maximum of £500
£100 for each 24hr period to a maximum of £5,000
|
£50
NIL
NIL
|
|
C
|
Personal Accident
|
Disability - £25,000
Death - £10,000
(age limits apply)
|
NIL
NIL
|
|
D
|
Delayed Departure
Failure of transport
|
£25 first 12 hour period and £25 each subsequent 12 hours to maximum of £100
£1,000
|
NIL
NIL
|
|
E
|
Personal Effects
Money
Tickets
Passport or Visas
Temporary Loss of Baggage
|
£1,500
£200
£1,000
£250
£100
|
£50
£50
£50
£50
NIL
|
|
F
|
Personal Liability
|
Up to £2,000,000
|
£250
|
|
G
|
Legal Expenses
|
Up to £15,000
|
NIL
|
Premiums including Insurance Premium Tax
|
UK
|
PER PERSON
|
EUROPE
|
PER PERSON
|
|
Up to 3 days
|
£12
|
Up to 3 days
|
£20
|
|
Up to 5 days
|
£16
|
Up to 5 days
|
£25
|
|
Up to 7 days
|
£22
|
Up to 7 days
|
£30
|
|
Up to 10 days
|
£28
|
Up to 10 days
|
£35
|
|
|
|
Up to 14 days
|
£40
|
Important Declaration
An insurance policy can only provide cover in respect of an event/occurrence which is sudden, unforeseen and beyond your reasonable control. Any facts known to you which could possibly result in you making a claim, must be disclosed to us otherwise you may not be covered. In addition, anyone named under the policy must have read and understood the following relating to pre-existing medical conditions:
If you are travelling to Europe or Worldwide:
-
You or a close relative has received a terminal diagnosis
-
You or a close relative has a medical condition but as yet no formal diagnosis
-
You or a close relative is on a waiting list or has the knowledge of the need for surgery
If you are travelling to the UK, Channel Islands, Isle of Man or Republic of Ireland you are automatically covered for your medical conditions unless:
-
Do you or a close relative have a pre-existing medical condition?
-
Have you or a close relative received a terminal prognosis for any medical condition?
-
Are you or a close relative aware of a medical condition but have not received a formal diagnosis?
-
Are you or a close relative on a waiting list or have the knowledge of the need for surgery in a hospital?
-
Are you aware of any circumstances that could reasonably be expected to give rise to a claim on this policy?
If you cannot make this declaration when you take out the insurance, you must contact Healthcheck on 0844 826 2711
A policy document that fully defines the cover, conditions and exclusions will be sent to you with your booking confirmation. When you receive your policy, please take the time to read it carefully to ensure you understand what is and what is not covered, and that all activities that you may wish to participate in are included. If it does not meet your requirements, please return the policy, proof of premium and any other relevant documentation to us within 14 days of receipt and we will refund the premium in full, provided you have not travelled or made a claim.
Failure to comply with the terms & conditions of the policy may result in cover being restricted.