Travel Insurance
Tangney Tours are happy to recommend to you the following insurance that has been arranged for us by Global Travel Insurance Services Ltd and which is underwritten by AXA Insurance UK plc. Both companies are Authorised and Regulated by the Financial Services Authority (FSA).
This insurance has been specially 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 on request.
This insurance will automatically be included for you. If you do not wish to be included in this insurance, you must state this on the booking form and must provide us with details of your alternative insurance at the time of booking.
This insurance is only available to persons who are permanently resident and domiciled in the UK and is valid for holiday between 01/01/2008 00:00:00 and 31/12/2008 00:00:00.
INSURANCE PRODUCT SUITABILITY
This insurance is suitable for persons whose Demands and Needs are those of a traveller whose –
1. Individual round trip starts and finishes in the UK and is of no more than 4 months duration.
2. Age is 95 years or less and is a permanent resident of the United Kingdom & ROI.
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.
SUMMARY OF COVER
Main policy limits only, please see the policy document for other limits that may apply.
Section Limit Cancellation & Curtailment £3,000 Personal Accident £15,000 Medical and other Expenses £5,000,000 Hospital Benefit £300 Personal Luggage Money & Valuables £2,000 Loss of Passport £200 Travel Delay £60 Personal Liability £2,000,000 POLICY EXCESSES:
An excess of £50 applies to each and every claim each insured person under the Cancellation & Curtailment, Medical & Other Expenses and Personal Luggage Money & Valuables sections.
Increased Excess
For persons aged 65 or over the Cancellation & Curtailment and the Medical & Other Expenses excess is doubled. For persons aged 76 or over the Cancellation & Curtailment excess is increased to £150 and the Medical & Other Expenses is increased to £200.
Pre Existing Medical Conditions
There is no need to advise us of your pre existing health
conditions. There are no pre existing health restrictions other than those that apply for Terminal or Psychiatric illness.
If You suffer from either a Psychiatric or Terminal illness, special provision is made as follows:
Under Section 3 Medical & other Expenses, cover will be
provided subject to You:
(i) Having obtained and supplied to Us your EHIC details prior to departure.
(ii) Having obtained and supplied to Us prior to departure written confirmation of fitness to undertake the intended journey having due consideration for Your state of health, means of transportation and duration of journey from Your regular registered medical practitioner.
(iii) For Terminal illness, having obtained prior to departure and supplied to Us written confirmation of a prognosis greater than 28 days on the intended date of return to the UK. A limit of £5,000 shall apply in respect of any Repatriation Expenses.
The hospital Benefit section of the policy is inoperative.
The Cancellation & Curtailment section is inoperative.
The Policy Excess applying to the Medical and Other Expenses sections is increased to £1,500.
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
We will not pay for claims arising where You or any person upon whose health the trip depends:
1. Have received a terminal prognosis.
2. Suffer 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.
3. Are pregnant or as a result of childbirth.
4. Are travelling against the advice of a Medical Practitioner or for the purpose of obtaining medical treatment abroad.
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 cancellation 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 may contact Global Travel Insurance on 01903 203933.
Applicable Law.
The law applicable to this insurance contract is English Law.IMPORTANT NOTICE
We would like to draw your attention certain important features of travel insurance policies in general 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 your 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.
1 day £ 9.00 5 days / 4 nights £21.00 2 days / 1 night £12.00 8 days / 7 nights £24.00 3 days / 2 nights £17.00 15 days / 14 nights £43.00 4 days / 3 nights £19.00 Extra day / night @ £3.50 / day / night For regular travellers try our year round policy. Prices from £65.00. Details on request
