Travel Insurance
Mancunia Travel Ltd are an Appointed Representative of Global Travel Insurance Services Ltd and are happy to offer to you the following insurance that has been arranged for us which is underwritten by AXA Insurance UK plc. Both companies are Authorised and Regulated by the Financial Services Authority (FSA).
- Insurance Product Suitability
- Insurance Premiums
- Summary of Sums Insured
- Emergency Assistance
- Policy Excesses
- Main Health Exclusions
- Insurance Product Disclosure
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 01/01/2010 and 31/12/2010.
Insurance Product Suitability
This insurance is suitable for persons whose Demands and Needs are those of a traveller whose:-
- Individual round trip starts and finishes in the UK and is of no more than 120 days duration.
- Age is 90 years or less and who 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.
| Insurance Premiums 2010 | ||
|---|---|---|
| (i.e. ALL departures 1st Jan 10 to 31st Dec 10) | ||
| Europe | Adults | Children (2-16) |
| Up to 1 day | £15.50 | £7.75 |
| Up to 5 days | £28.00 | £14.00 |
| Up to 10 days | £34.00 | £17.00 |
| Up to 17 days | £41.50 | £20.75 |
| Up to 24 days | £48.00 | £24.00 |
| Up to 31 days | £54.00 | £27.00 |
| Each additional 7 days | £11.50 | £5.75 |
| UK | ||
| Up to 3 days | £8.50 | £4.25 |
| Infants under 2 years - Insurance Free if parent takes out a policy. | ||
| INSURANCE PREMIUMS are NON-REFUNDABLE and NON-TRANSFERABLE. | ||
| SUMMARY of COVER | |
|---|---|
| Section | Limit |
| Cancellation or curtailment | £3,000 |
| Personal accident | £15,000 |
| Medical and other expenses | £5,000,000 |
| Hospital benefit | £300 |
| Personal Luggage Money and Valuables | £2,000 |
| Loss of Passport | £200 |
| Travel delay | (a) £60 or (b) £3,000 |
| Missed departure | £500 |
| Personal liability | £2,000,000 |
| Legal expenses | £25,000 |
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 within the policy document.
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 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 90 years the first £150 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 and 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 and Other Expenses section
For persons aged 65 years or less the excess is increased to £500.
For persons aged 66 to 90 years the excess is increased to £1,000.
You will also need to obtain confirmation from your GP of your fitness to travel.
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:- From any terminal illness suffered by You (or any person upon whose health the trip depends.)
- From any reoccurrence of any psychiatric disorder, anxiety state and/or depression suffered by You (or any person upon whose health the Trip depends).
- Where You are travelling against the advice of a Medical Practitioner.
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 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