TRAVEL INSURANCE 2006

If you have any questions regarding this insurance, you should contact Global Travel Insurance for advice and assistance.

Global Travel Insurance Contact Details : GTI Services Limited   

Telephone: 01903 203933  

Facsimile: 01903 211106                     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. .

SUMMARY OF COVER

ADULT COST	PRICE Incl IPT
5-10 Days	£52.00
11-17 Days	£66.00
18-24 Days	£82.00
25-31 Days	£93.00
Extra weeks or part of	£24.00
Children 2-16 years are 50% of the above

(Main policy limits only, please see the policy document for other limits that may apply)

Cancellation & Curtailment Up to the final invoice cost up to £3,000.00 per person. 

• Personal Accident £15,000
• Medical & Other Expenses £3,000,000
• Hospital Benefit £300
• Personal Luggage Money & Valuables £2,000
• Loss of Passport £200
• Travel Delay - Up to £3,000 per person
• Missed Departure £500
• Personal Liability £2,000,000
• Legal Expenses £25,000

POLICY EXCESSES:

An excess of £50 applies to each and every claim each insured person under the Cancellation and Curtailment, Medical and other expenses and personal luggage money and valuables section.

(a) The age limit for cover is 90 years. For person's aged 65 or over the Cancellation and Curtailment and the Medical and other expenses excess is doubled.

(b) For persons with certain pre existing illnesses that result in a claim the excess is doubled under the Cancellation and Curtailment section.  An excess of £250 will apply under the Medical and Other Expenses section.  Refer to Special Conditions of the policy.  Where appropriate, a combination of (a) and (b) applies.

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:

Insurers will not pay for claims arising where you or any person upon whose health the trip depends

1. 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.

2. suffer from an ongoing chronic medical condition diagnosed or for which you have been hospitalised within 12 months of the date of booking.

3. Is suffering from any psychiatric disorder, anxiety state and/or depression suffered by you for which you have previously received treatment or have been diagnosed prior to the date of booking or of issue of the insurance.

 

4. are expected to give birth before or within 14 weeks of date of return to the UK.

5.Is travelling against the advice of a medical practitioner or for the purpose of obtaining medical treatment abroad. 

6 Has been advised of a terminal prognosis.

DISCLOSURE OF HEALTH CONDITIONS

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.

IMPORTANT NOTICE

Under the ABI Code of Practice, we are required to draw to your attention certain important features of your policy 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 our 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.

"COOLING OFF" PERIOD: your policy contains a cooling off period of 14 days during which you can return the policy and get a refund, if you have a justifiable reason for being dissatisfied with the cover that 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 or insurers will be shown on the policy document.

PLEASE MAKE SURE YOU READ YOUR POLICY CAREFULLY

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