HOLIDAY INSURANCE 2006 For your complete peace of mind, we have negotiated quality value-for-money holiday insurance on your behalf. Provided by Voyager Insurance Services, one of the UK's leading travel insurance specialists, arranged by UK Underwriting Limited and underwritten by Primary Insurance Company Ltd, Indemnity Insurance Limited and Norwich Union Insurance Company. All are members of the Association of British Insurers and the Financial Ombudsman. Our policy offers a unique combination of service, cover and security for the holidaymaker. Our booking conditions require you to obtain adequate holiday insurance. Insurance will be included in your holiday package unless you confirm to us at the time of booking that you have elected to make your own arrangements and sign the indemnity statement on the payment slip. PREMIUMS PER PERSON Includes insurance premium tax at 17.5% as levied by HM Government. 2 to 6 days - Adult (aged 16-64) £18, Adult (aged 65+) £30, Family* £36 7 to 10 days - Adult (aged 16-64) £23, Adult (aged 65+) £35, Family* £46 11 to 17 days - Adult (aged 16-64) £28, Adult (aged 65+) £40, Family* £56 Infants 0-1 year free. Children 2-15 years 50% reduction. * The family premium is for up to 2 Adults (16-64 years) and their dependent children under the age of 16 years. INSURANCE COVER ONLY COMMENCES ON PAYMENT OF THE RELEVANT PREMIUM The following is a summary only. After the premium has been paid, the full terms, conditions and exclusions will be sent to you. Please read them carefully. If the cover does not suit your requirements, and, provided that no claim has been made or travel undertaken, you may return your evidence of insurance within 14 days of purchase and obtain a full refund. SUMMARY OF BENEFITS PER PERSON CANCELLATION & CURTAILMENT CHARGES - Up to holiday cost Reimbursement of any irrecoverable costs as a result of you having to cancel or cut short your holiday due to injury, illness, death, redundancy (qualifying for payment under the Redundancy Payments Act in force) or damage to your home. Please note that cancellation cover commences when the appropriate premium has been paid. PERSONAL ACCIDENT - Up to £15,000 Payable in the event of death, loss of limb(s) or permanent total disablement to an insured. Payment for death is limited to £5,000 (or £2,000 if aged under 16 years). MEDICAL & OTHER EXPENSES - Up to £2,000,000 Cost of surgical, medical and hospital bills, including emergency dental treatment; additional travel and accommodation costs arising through accident or illness of a member of the party, family or business colleague at home; repatriation by Air Ambulance, where medically necessary. HOSPITAL BENEFIT - £10 per day up to £300 If you have to go in to hospital as an in-patient, you will receive £10 per day to assist with incidental expenses, in addition to your medical expenses. MISSED DEPARTURE - Up to £200 If the failure of public transport or breakdown of your car causes you to miss the public transport on which you are booked to travel, you are covered for reasonable costs incurred to reach your destination. ABANDONMENT - Up to Holiday Cost If your outward journey is delayed for more than 24 hours you have the option to cancel the holiday and claim a refund. TRAVEL DELAY - Up to £150 If either your outbound or return journey is subject to a delay of not less than 12 hours having occurred, the reasonable cost of additional travel, accommodation and meals. DELAYED BAGGAGE - Up to £150 Special payment for purchase of necessities if your baggage is lost/delayed in transit for more than 12 hours. PERSONAL EFFECTS & BAGGAGE - Up to £1,000 Limit on any one item - £150, and an overall limit of £200 in respect of valuables. (Children under 18 years limit - £500). PERSONAL MONEY - Up to £200 (Children under 18 years limit - £50). LOSS OF PASSPORT - Up to £250 PERSONAL LIABILITY - Up to £1,000,000 As a result of damages being awarded against you following damage or injury to third party property or persons. LEGAL EXPENSES - Up to £10,000 To pay legal expenses to pursue compensation against a third party, following personal injury or death during period of cover. EMERGENCY SERVICES Inter Group Assistance (IGAS) offer a 24 hour / 365 day service to deal with any medical emergency situation which a traveller may encounter. The IGAS staff, on receipt of a telephone call, activate the more specific emergency service required through a network of agents including where necessary, the services of an Air Ambulance for medical repatriation. IGAS must be contacted in the event of hospitalisation or any need to return home early or late. MAIN EXCLUSIONS AND CONDITIONS The first £50 of each and every claim under the Medical, Cancellation (loss of deposit £20), Personal Effects & Baggage, Money and Abandonment sections. The first £250 of each and every property claim under the Public Liability section and for each Legal Expenses claim. Medical and Cancellation excess for clients aged 65 years and over £100. Losses not reported to the carrier or appropriate authority within 24 hours of occurrence. Medical claims arising in connection with pregnancy or childbirth if delivery expected during a trip or within 14 weeks after your return. Any claim arising out of the Assured being on a hospital waiting list for in-patient treatment. EXISTING HEALTH CONDITIONS This insurance does not exclude claims relating to existing medical conditions provided you can agree to the following important declaration. By taking out this insurance, you declare that: 1. No holiday shall be booked or undertaken against the advice of a medical practitioner or for the purpose of obtaining medical treatment. 2. Nobody insured or anyone on whom the holiday or journey depends has received a terminal prognosis from a registered medical practitioner, as far as you are aware. 3. Nobody insured or anyone on whom the holiday journey depends is on a waiting list for treatment or investigation at a hospital or nursing home, nor do they have knowledge of the need for such treatment, as far as you are aware. 4. You are not aware at the time of issue of this insurance of any reason why the holiday or journey may be cancelled or curtailed. 5. In the event of circumstances arising after the issue of this insurance which may give rise to a claim, we shall be notified as soon as practicable. If any insured is in any doubt concerning their ability to comply with this declaration we must be notified for consideration and acceptance of the risk. Failure to do so may affect your rights under this Insurance. Please contact Voyager Insurance Services Ltd on 01483 562662 if you are in any doubt. Please quote reference VOY/PRE/04/1GCS1410. You MUST tell us all material facts. A material fact is one that is likely to influence us in accepting your insurance. This could be the state of your health or that of a close relative or any planned hazardous activities. This requirement also applies to any changes in these things prior to departure. If you are in any doubt as to whether a fact is ‘material’, you should tell us by calling 01483 562662. If you do not tell us this may result in your claim being invalid. IMPORTANT NOTICE We would draw your attention to some important features of your travel insurance policy including: POLICY DOCUMENT: You should read the document carefully. It gives you full details of what is and is not covered and the conditions of the cover. CONDITIONS, EXCLUSIONS AND WARRANTIES: Conditions and exclusions apply to individual sections of your policy while general exclusions; conditions and warranties will apply to the whole of your policy. HEALTH: Your policy contains restrictions regarding pre-existing medical problems concerning the health of people travelling and of other people upon whose health the trip depends. You are advised to read your policy carefully. PROPERTY CLAIMS: These claims are paid based on the value of the goods at the time you lose 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. POLICY EXCESSES: Under some 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, as you would if you were not insured. MONEY BACK: Your policy contains a 'cooling off' period when you can return the policy and get a refund, if you have a justifiable reason for being dissatisfied with the cover it provides. LAW: You are free to choose the law applicable to this insurance. Unless specifically agreed to the contrary this insurance shall be subject to English Law. A copy of the master policy may be inspected on request at the company's head office.