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Holiday Insurance

The following is a summary of the holiday insurance policy offered by Alfa for holidays departing in 2012 & 2013.

A Special Coach Holiday Travel Insurance Scheme is available for all passengers travelling on our holidays which is arranged with ETI – International Travel Protection (the UK branch of Europäische Reiseverscherung AG) who are Licensed by the Bundesanstalt für Finanzdienstleistungsaufsicht (BAFIN – www.bafin.de) and approved by the Financial Services Authority (FSA – www.fsa.gov.uk) to undertake insurance business in the UK.

The above premiums are inclusive of Insurance Premium Tax.

Overseas holidays include Jersey and Ireland (both Northern Ireland and the Irish Republic) but not the Isle of Man. Should you wish to take advantage of our Insurance please note that the premium is additional to the holiday cost and should be paid at the time you pay the deposit on your holiday.

You are not obliged to take the insurance we offer, but should you decide to insure elsewhere you must supply details of your insurer including an emergency telephone number on the booking form. If you book on the internet, you should send an email quoting your Booking Reference and the name, policy number and emergency contact number of your insurer to req@alfatravel.co.uk. If you choose not to insure, we will ask you to sign a Disclaimer to confirm that you will be responsible for any costs the company may incur in helping you resolve any difficulties you may experience which would normally have been covered by a holiday insurance policy.

DEMANDS AND NEEDS

This insurance policy will suit the Demands and Needs of an individual or group (where applicable) who have no excluded pre-existing medical conditions, are travelling in countries included within the policy terms and who wish to insure themselves against unforeseen events detailed in the cover section below. Subject to the terms, conditions and maximum specified claim limits.

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 SPECIALTY ASSISTANCE a 24 hour emergency assistance service, who can be contacted on 0207 902 7405 (fax: 0207 928 4748).

The following is a brief summary of the cover available. Full details of Cover, Policy Warranties 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.

POLICY EXCESSES

You will be responsible for paying the first part of any claim under the following sections:

Cancellation, Curtailment, Holiday Abandonment:

- For holidays costing up to £149 the excess is £45 per person (reduced to £10 per person for loss of deposit).

- For holidays costing £150 and more the excess is £55 per person (reduced to £10 per person for loss of deposit).

Medical and Other Expenses, Additional Travelling Expenses (UK), Personal Property and Money. An excess of £50 per person applies to all these sections.

Please note that the excess applies to each and every incident per Insured Person/Section.

IMPORTANT – HEALTH CONDITIONS APPLYING TO ALL TRAVEL DESTINATIONS

If you are travelling in England, Scotland, Wales, Northern Ireland and can answer NO to questions 1 -3 and YES to 4 immediately below, it will not be necessary for you to complete a Self Declaring Medical Form. The Standard Policy Terms, Conditions and Exclusions shall apply.

It is a condition that at the time of taking out this policy and between that time and your departure you must comply with each of the following:

1) You are not aware of any reason why the trip should be cancelled or cut short

2) You are not travelling:

a) against the advice of a medical practitioner
b) for the purpose of obtaining medical treatment, or
c) if you have been given a terminal prognosis

3) You are not receiving or awaiting treatment for an illness or injury as a hospital day case or in-patient, as any claim arising from this injury or treatment will not be covered.

4) If you are on medication at the time of travel your medical condition is stable and well controlled.

In addition if you are travelling outside England, Scotland, Wales, Northern Ireland or the Isle of Man, the following additional conditions will apply:

You must notify the issuer of this policy immediately of any of the conditions listed below arising between the date the policy is issued and the time of departure of the trip. We must be informed of any fact which is likely to influence us in the acceptance, assessment or continuance of this insurance. Failure to do so may invalidate this insurance, leaving you with no right to make a claim.

1) If you have received medical treatment as a hospital day case, in-patient or out-patient during the six months prior to the booking of the trip, you must obtain from a medical practitioner at your cost confirming that you will be fit enough to take the trip.

2) If you are undergoing medical treatment as a hospital out-patient at the date the final balance of the trip is due to be paid, you must obtain at your cost a certificate of fitness confirming your ability to travel

The Policy contains the following General Exclusions:

You are not covered for anything caused directly or indirectly by you suffering from stress, anxiety or depression unless it has been investigated and diagnosed as such by a consultant specialising in the relevant field, who must confirm in writing at your cost that you are fit enough to take this trip.

COOLING OFF PERIOD

You should read your policy immediately to ensure it meets with your requirements. If for any reason it does not it must be returned to the issuer of the policy within 14 days of the date of issue or prior to travel which ever is the sooner. Your money will be refunded in full, provided no claims have been made or incident likely to give rise to a claim has arisen. If you cancel your policy after 14 days no refund will be given.

HOW TO CLAIM

In the event of cancellation, written notice must be sent to Alfa Travel immediately. For both cancellation and all other claims you must contact Towergate Chapman Stevens, Claims Department, PO Box 417, West Byfleet, KT14 7YQ telephone 01932 344300 for a claims form which must be returned within 28 days of your cancellation or return from holiday.

Please note our Coach Holiday Travel Insurance Scheme is only available to United Kingdom, European Union and Isle of Man Residents.

Alfa Travel Limited is an Appointed Representative of ITC Compliance Limited who are authorised and regulated by the Financial Services Authority.

PLEASE NOTE: The above is an outline of the cover provided. A policy document containing full details of what is and what is not covered will be forwarded along with your Booking Confirmation. You should read it carefully and you must inform us within 14 days if the policy is unacceptable for any reason.