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. It is recommended that you have insurance cover at least equivalent to that described below. We have arranged a special scheme with ONE Underwriting Limited, insured by IGI Insurance Company Limited (both ONE Underwriting and IGI Insurance Company are authorised and regulated by the Financial Services Authority).

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.

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.

Sums Insured Per Person

Figures below represent maximum Sum Insured

·   Cancellation or Curtailment - Up to £3,000 - Excess £20

·   Medical Expenses - Up to £2,000,000 - Excess £20 Including Emergency Repatriation & Hospital Benefit - £20 Per day Up to £1,000 - Excess Nil

·   Personal Accident – Up to £25,000 - Death benefit limited to £15,000 (age limits apply) - Excess Nil

·   Travel Delay:
£20 for the first 12 hours £10 for each 12 hours thereafter - Up to £250 – Excess Nil Abandonment after 24 hours -Up to £3,000 – Excess £20 Missed Departure - Up to £800 – Excess Nil

·   Baggage & Personal Effects - Up to £2,000 – Excess £20 Single Article / Pair / Set Limit - £250 Total Valuables Limit - £250 Delayed Baggage (After 24 hours) - Up to £100 – Excess Nil

·   Personal Money - Up to £500 – Excess £20 Cash Limit - £250 (under 18yrs cash limit £100)

·   Loss of Travel Documents - Up to £250 – Excess £20

·   Personal Liability - Up to £2,000,000 – Excess £250 (property damage only)

·   Legal Expenses - Up to £25,000 – Excess Nil

·   Withdrawal of Services - £50 for each 24 hours Up to £500 – Excess Nil

·   Hijack Benefit - £50 for each 24 hours Up to £500 – Excess Nil

·   Mugging Benefit - £50 for each 24 hours Up to £500 – Excess Nil

·   Catastrophe Cover - Up to £500 – Excess Nil

Children under the age of 18 on departure - Must be accompanied by an Insured Adult. Children under the age of 4 on departure - Free if accompanied by an Insured Adult.

*Family definition - Both parents travelling with any number of their dependent children under the age of 18 years on departure (including up to 2 non-family children under 18).

The above premiums are inclusive of 17.5% Insurance Premium Tax which is adjustable on any amendment to that tax or its rate Insurance Cover And Limits

WHAT TO DO IN THE EVENT OF A MEDICAL EMERGENCY

You will find in the insurance certificate full details of your 24 Hour Medical Emergency Service operated by ONE Assist. In the event of a serious medical situation whilst on holiday, you must contact the 24 Hour service on the numbers provided. Simple outpatient treatment should be paid locally and claimed for on your return to the United Kingdom. Should you need to curtail your holiday for any reason, you must seek prior authorisation from the 24 Hour Emergency Service who will assist you with all arrangements.

WHAT TO DO IF YOU NEED TO MAKE A CLAIM

For all claims other than emergency medical and curtailment claims, please contact: ONE Claims Limited, The Old Building, Bishops College, Churchgate, Cheshunt, Herts, EN8 9XH

TRAVEL INSURANCE – IMPORTANT NOTICE

Our Insurance providers are committed to ensuring that our customers are treated fairly, and that you are given enough information to help you make an informed decision before you make a commitment to buy your insurance policy.

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: The policy does not cover claims arising from your pre-existing medical conditions or those of people on whom your travel arrangements rely (please refer to the policy wording for full details). If in the last 12 months you have been hospitalized or received treatment including repeat prescription for an on-going medical condition or are awaiting the results of any medical tests or referral to a specialist you must contact the healthcheck line on 08700 662724 who will advise you if the condition can be covered. Please note that you may be required to pay an additional premium to obtain cover for pre-existing or on-going medical conditions.

• 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 One Underwriting Ltd 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 or damage to 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, jewellery etc, 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.

DATA PROTECTION ACT

The information that you supply to us will only be used by us to assess whether we will provide you with insurance cover or assessing any future claim you may make. Information may be passed to the insurer of your policy or the specified claims handler or emergency assistance service for the purpose of managing your claim. The information we store will not be passed to any other third parties, and you have a right to access under the terms of the Data Protection Act.

If you have any doubts concerning the cover provided please contact the insurance brokers who are:

One Underwritting Ltd, 40 Lime Street, London, EC3M 5BS

Telephone (0207) 621 8640