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HOLIDAY TRAVEL INSURANCE

 

PLEASE NOTE:  All insurance premiums are inclusive of Insurance Premium Tax @ 20%.

 

HOLIDAY 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 your booking.  To assist you with this, we have arranged travel insurance from Travel & General Insurance Services Limited to specifically meet your needs on your holiday.

 

Should you wish to take out this travel insurance please include the appropriate premium when booking your holiday.

 

 

DEMANDS AND NEEDS

This insurance policy will suit the demands and needs of an individual or group (where applicable) who have no excluded medical condition(s), are travelling in countries included within the policy terms and who wish to insure themselves against unforeseen circumstances/events detailed in the cover section below. Subject to the terms, conditions and maximum specified sums insured.

 

IMPORTANT

We will not provide you with advice about the suitability of this product for your individual needs but will be happy to provide you with factual information.

We summarise below the details of the insurance cover provided which also includes 24-hour emergency service from Mayday Assistance Limited. The following is a brief summary of the cover available. Full details of cover and exclusions will be forwarded with your confirmation of booking. In any event you may ask for a specimen copy of the policy wording before booking should you wish to examine this in advance.

 

HEALTH CONDITIONS

We shall not be liable for claims where at the time of taking out this policy and between that time and your departure:

            a)         Your are aware of any medical condition or set of circumstances that could reasonably be expected to give rise to a claim (for example the state of health of a close relative, business associate or any person on whom your travel plans depend).

            b)        The insured person whose medical condition gives rise to a claim;

                        i)          is receiving, or on a waiting list for, surgery, in-patient treatment or investigations in a hospital, clinic or nursing home.

                        ii)         is travelling against any health requirements stipulated by the carrier, their handling agents or other public transport provider.

                        iii)        is travelling against the advice of a Medical Practitioner or for the purpose of obtaining medical treatment abroad.

                        iv)        has been given a terminal prognosis.

 

Please note: If you are on medication at the time of travel, your medical condition(s) must be stable and well controlled.

If you are travelling outside of the UK, you must notify the Change of Health helpline immediately if a change in health occurs (including any change to medication) between the date this policy is issued and your scheduled date of departure.

Please note our Holiday Travel Insurance Scheme is only available to United Kingdom residents.

 

SIGNIFICANT EXCLUSIONS – RESIDENCY

This insurance is available only to residents of the United Kingdom.

In addition to the above, the policy also contains the following exclusions:

            1.         Any costs of repatriation or evacuation as a result of Your taking part in any excluded Hazardous Activities and sports including dangerous expeditions or from an area which is considered by Us to be a War Risk or Civil Hazard area.

            2.         Any bodily injury which is a consequence of Terrorism or which occurs in an area which is regarded by Us as a War Risk and Civil Hazard area.

            3.         Any insurance event arising from You being the driver, rider or passenger of a quad bike, all terrain vehicle or motorcycle when You are not wearing a crash helmet, whether legally required locally or not.

            4.         Circumstances that could reasonably been anticipated at the time You booked Your Trip or purchased this insurance.

            5.         Loss of or damage to money and Valuables whilst unattended or in/from luggage in transit.

Examples of these and other conditions and exclusions are contained within the policy wording, a specimen copy of which is available upon request. If after purchasing a policy from us should you find it does not meet your requirements you have 14-days from the date of issue or prior to travel, whichever is sooner, to cancel the policy and receive a full refund of your premium.

 

J. W. Lodge and Sons Limited is an Appointed Representative of ITC Compliance Limited who are authorised and regulated by the Financial Conduct Authority (their firm reference is 313486) and which is permitted to advise on and arrange general insurance contracts.

 

 

 

SUMMARY OF COVER

PLEASE SEE THE POLICY WORDING FOR FULL DETAILS OF THE COVER, LIMITATIONS AND EXCESSES, A SPECIMEN COPY OF WHICH IS AVAILABLE UPON REQUEST.

 

 

To download a copy of our insurance policy wording please click here

 

To see our Insurance Product Information Document please click here

 

To read our Status Disclosure Information Document please click here

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