Important information about your travel insurance

Insurance Notes

• Cancellation cover commences at the date of booking. Your other insurance cover commences when you start your holiday and ceases on your return home at the end of the holiday (or at the end of the period of insurance whichever is sooner).
• This summary of cover must be read in conjunction with the policy wording which contains full details, definitive terms, conditions and exclusions. If you wish to inspect the policy wording we will send you a copy.
• We will provide you with your Personal Insurance document with your holiday confirmation invoice. The Breakdown Insurance document will be sent out with your tickets.
• You should advise your car insurers you are taking your car abroad and ask for a Green Card. Some may make a supplementary charge for extending cover for driving in Europe.
• If you select Combined Insurance, and you change your vehicle, or decide later to take a trailer, you must notify us of the new vehicle details/the new vehicle age/the trailer details.
• For the purposes of this insurance, our tents and mobile homes are deemed safe areas in which to keep your luggage (excluding valuables), providing the tent is zipped up or the mobile home, lodge or chalet is locked.
• We are committed to offering our clients the best possible advice with respect to the travel insurance detailed on these pages.

Insurer

This insurance is underwritten by Mondial Assistance Europe N.V. and administered in the United Kingdom by Mondial Assistance (UK) Limited.

Telling us about relevant facts

Before you travel you must tell us about anything that may affect your cover. If you do not tell us about something that may be relevant, your cover may be refused and we may not cover any related claims.

Policy document

The policy wording gives you full details of what is and what is not covered and what to do if you need to claim. It is very important that you read the whole of this policy before you travel and make sure the cover is suitable for you. A copy of the policy wording is available on request.

Policy limits

Each section of the policy shows the most you can claim but other limits may apply. For example under the personal possessions section there are other specific limits for any one item and for valuables (including photographic equipment). If you intend to take expensive items with you please check that you are fully covered.

Conditions and exclusions

Your policy does not cover all possible events and expenses. There are conditions and exclusions that apply to individual sections of the policy and general conditions and exclusions that apply to the whole policy.

Health exclusion

This insurance excludes all existing medical conditions unless they are declared and agreed in writing by Mondial HealthScreen, our medical screening service.

Anyone insured on this policy requiring cover should contact them if they have:

• been prescribed any medication, received any treatment or had a consultation with a doctor or hospital specialist in the past 2 years;
• EVER been diagnosed with or treated for any cardiovascular problems (e.g. heart attack, angina, chest pain, palpitations, any other heart condition, hypertension (raised blood pressure), blood clots, raised cholesterol) or any cerebrovascular problems (e.g. stroke, transient ischaemic attack, brain haemorrhage), at any time prior to cover;
• are awaiting treatment or the results of any tests or investigations unless the condition(s) are declared to and accepted by the insurer in writing. If necessary, please go to www.mondialhealthscreen.co.uk or telephone them on 0845 618 0344 to declare any existing medical conditions.

You will not be covered if you travel against the advice of your doctor, are on a waiting list for treatment as a hospital patient or are undergoing investigations or tests. Claims arising from a medical condition of a travelling companion, relative or business associate may not be covered if you were aware of the condition at the time your policy was issued.

Hazardous activities

If you are going to take part in any hazardous sports or activities you should check that the policy covers you.

Cancellation rights

If your cover does not meet your requirements, please return the documentation within 14 days of receipt and your premium will be refunded in full unless you have travelled made a claim or intend to make a claim. Please note that your cancellation rights are no longer valid after this initial 14 day period.

Policy excess

Under some sections of your policy, you will have to pay an excess. This means that you will be responsible for paying the first part of the claim for each person insured, for each section, for each incident. The amount you have to pay is the excess.

Making a complaint

The policy contains a complaints procedure which tells you what steps you can take if you wish to make a complaint.

Governing law

Unless agreed otherwise, English law will apply and all communication and documentation in relation to this policy will be in English. (All details are correct as at date of print but subject to change without notice.)