PERSONAL TRAVEL INSURANCE

(Synopsis only)

Please note that this insurance is only available to UK residents.

We strongly recommend that you and all members of your party are adequately insured as soon as you book your holiday. Indeed it is a condition of booking that you must have insurance cover at least equivalent to that described below. We have arranged a special scheme with Travel & General Insurance Services Limited, underwritten by All Seasons Underwriting Agencies Limited.

Below is a summary of cover and benefits available under the insurance. An insurance certificate containing a more detailed summary will be sent to you with your confirmation of booking. In any event you may ask for a specimen copy of the insurance wording should you wish to examine this in advance.

Children under the age of 2 on departure - Free (All children under 18 to be accompanied by an insured adult).

*Family definition - Both parents travelling with any number of dependent children under the age of 18 years on departure.

The above premiums are inclusive of 17.5% Insurance Premium Tax which is adjustable on any amendment to that tax or it's rate

Insurance Cover And Limits
Section A - Cancellation/Curtailment  - Up to £5,000
Section B - Medical Expenses - Up to £5,000,000
Section C - Personal Accident - Up to £15,000
Section D -Travel Delay - Up to £250
1) Missed Departure - Up to £800
Section E - Baggage & Personal Effects - Up to £2,000
Section F - Personal Money - Up to £500
Section G - Passport/Tickets - Up to £250
Section H-Personal Liability - Up to £1,000,000
Section I - Legal Expenses - Up to £25,000

Excesses
Sections A, B, E & F are subject to an excess of £20 per person per claim. Loss of deposit - £5 per person per claim.

WHAT TO DO IN THE EVENT OF A SERIOUS MEDICAL EMERGENCY
This insurance includes a 24 Hour Medical Emergency Service operated by International Medical Rescue.

WHAT TO DO IF YOU NEED TO MAKE A CLAIM
For all claims other than emergency medical and curtailment claims, please contact:
CLAIMS INTERNATIONAL,
14th Floor, Leon House, 201-241 High Street, Croydon, CR9 I ER

TRAVEL INSURANCE - IMPORTANT NOTICE
All Seasons Underwriting Agencies is committed to ensuring that our customers are treated fairly.
Under the General Insurance Code for private customers, your attention is drawn to important features of your policy including:

• Conditions, Exclusions & Warranties: conditions and exclusions will
  apply to individual sections of your policy while general exclusions,
  conditions and warranties will apply to the whole of your policy.

Health/Pre-existing Medical Conditions: this insurance policy contains health
restrictions. You must be able to make the following declaration for Yourself, anyone travelling with You, a Close Relative or Business Associate who the trip will depend on. THE DECLARATION APPLIES EACH TIME YOU BOOK A TRIP.

For You or anyone travelling with You, as far as I know the following apply:

(a) Nobody is waiting for an operation, hospital consultation or any other
hospital treatment or investigations including the results of a routine test.
(b) Nobody has been seen by a specialist or been admitted to a hospital
overnight in the last twelve months (other than for regular check ups).
(c) Nobody has any breathing or heart problem (including angina) or high
blood pressure which has needed treatment (including regular medication)
in the last two years.
(d) Nobody has received treatment, including regular medication, in the last
12 months for
* Any disorder of the blood such as clotting, bleeding or anaemia
* any form of stroke
* any form of cancer, leukaemia or tumour
* a transplant
* any psychiatric illness, dialysis treatment or dementia
* any other pre-existing and on-going medical condition that a
registered doctor could reasonably anticipate may give rise to a
complication needing medical intervention prior to or during a trip (if
in doubt check with Your doctor)
(e) Nobody has been diagnosed by a registered doctor as having a terminal
condition.
(f) I do not know of any reason why the trip is likely to be cancelled or cut short.

Note If You, or anyone travelling with You cannot agree with this declaration when You take out the insurance or book a trip, You must phone the Health Line on 020 8315 0736 quoting the name of Your tour operator. Do this at the time of taking out this insurance or booking Your trip and they will tell You if We can give cover. If You cannot contact them at the time of buying this insurance, You must contact them within 14 days, but before You travel. They will tell You if they need any more information.

If there is a change in Your medical condition or the medical condition of anyone travelling with You (after You have taken out this insurance, but before You travel), and You can no longer agree with the declaration, You must contact the Health Line immediately on 020 8315 0736, quoting the name of Your tour operator. They will tell You if cover can continue. If We cannot continue cover, You may claim for the cost of cancelling at that time.

For a Close Relative or Business Associate who is not travelling and whose health may affect the trip.
If, at the time of taking out this insurance (or booking the trip if this was later) Your Close Relative or Business Associate had a medical condition for which he or she:

* was receiving treatment at hospital
* was waiting for a hospital consultation or treatment;
* had been given a terminal prognosis, or been told that their
condition is likely to get worse in the next 12 months,

We will not pay for any problem which has anything to do with that medical condition
N.B. You are responsible for all costs incurred in submitting the report to
the healthcheck line.
 

• In addition any circumstances known to you either prior to or after
  effecting the insurance which may give rise to a claim including significant
  changes in your circumstances (such as your state of health or that of a
  person on whom your travel arrangements may depend) must be made
  known to Travel & General as soon as possible. Failure to do so may
  invalidate your claim.
   

• Hazardous Pursuits, Dangerous Sports or Pastimes: if you are going to
  take part in dangerous activities, sports or pastimes where there is a risk
  of injury, or can be expected to aggravate an existing infirmity, please
  contact Travel & General to check that your policy covers you. Additional
  premiums or exclusions may apply.
   

• Property Claims: these claims are paid based on the value of the goods
  at the time you lose them and not on a 'new for old' replacement cost
  basis. Claims for sports equipment damaged whilst in use are not covered.
  Loss of damage or property not belonging to you is also not covered.
   

• 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 insurance certificate if you intend taking
  expensive items with you. Items such as camcorders and all items over
  £200 should be fully insured under your Household policy.
   

• Policy Excesses: under most sections of the policy, claims will be subject
  to 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, as you would if you were not insured.
   

• Complaints: your insurance certificate will have in it a Complaints
  Procedure which tells you what steps you can take if you wish to make a
  complaint.
   

• "Cooling Off" Period: your insurance certificate contains a 'cooling off'
  period of 14 days during which you can return the policy and get a refund
  if you have a justifiable reason for being dissatisfied with the cover it
  provides.
   

• Your policy is governed by English Law.
  PLEASE MAKE SURE YOU READ YOUR INSURANCE POLICY CAREFULLY