|
Overseas holidays
include Jersey and Ireland
(both Northern Ireland and
the Irish Republic ) but not the Isle of Man.
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 [email protected]. 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.
|
COVER
|
SUM INSURED UP TO
|
|
Cancellation
|
£1,500
|
|
Missed Departure/Travel Delay
|
£600/£60
|
|
Personal Accident
|
£15,000
|
|
Medical and other Expenses (including
Curtailment)
|
£2,000,000
|
|
Medical Inconvenience Benefit
|
£450 (£15 per 24 hours)
|
|
Personal Property/Loss of Passport
|
£1,500/£200
|
|
Personal Liability
|
£2,000,000
|
|
Delayed Baggage
|
£100
|
|
Legal Expenses
|
£10,000
|
POLICY EXCESSES
You will be responsible for paying the
first part of any claim under the following sections:
Cancellation, Curtailment, Holiday Abandonment, Medical and Other Expenses,
Personal Property and Money. The excess of £45 per person applies to all
these sections (reduced to £10 per person for loss of deposit only).
Please note the excess applies to each and
every incident per Insured Person/Section.
IMPORTANT – HEALTH CONDITIONS
If you are travelling in England, Scotland,
Wales, Northern Ireland or the Isle
of Man and can answer NO to questions 1, 2 and 3 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.
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, a certificate of fitness
confirming your ability to travel must be obtained by you at your cost.
3) If
you are on medication at the time of travel your medical condition is
stable and well controlled.
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.
You must notify the issuer of this Policy
immediately of any of the conditions listed above arising between the date
the policy is issued and the time of departure of the 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.
Alfa Travel
Limited are an Appointed Representative of ITC
Compliance Limited who are authorised and
regulated by the Financial Services Authority. Summary of Benefits (Per
Person)
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.
|
