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Five
Star Bridge Tours are happy to recommend to you the following insurance
that has been arranged for us by Global Travel Insurance Services Ltd
and which is underwritten by AXA Insurance UK plc. Both companies are
Authorised and Regulated by the Financial Services Authority (FSA).
This
insurance has been specifically designed so that it covers all of the
holidays that we feature, protecting you in full if you have to cancel
and providing you with the very best and most effective protection if
you are unfortunate enough to require medical attention whilst away from
home.
Don't take
unnecessary risks by insuring your holiday anywhere else as we cannot
accept any responsibility or provide assistance if problems arise as a
result of inadequate cover. We are confident that this policy is best
for you. A full policy wording will be sent to you with your
confirmation of booking. Full details are also available upon request.
This
insurance will automatically be included for you. If you do not wish to
be included in this insurance, your must state this on the booking form
and must provide us with details of your alternative insurance at the
time of booking.
This insurance is only
available to persons who are permanently resident and domiciled in the
UK and is valid for holiday between <first> and <last>.
INSURANCE PRODUCT
SUITABILITY
This
insurance is suitable for persons whose demands and needs are those of a
traveller whose
1. Individual round trip starts and finishes in the UK
and is of no more than 4 months duration.
2. Age is 90 years or less and is a permanent resident of the United
Kingdom.
As this description contains the Key Features of the cover provided, it
constitutes provision of a statement of demands and needs.
SUMMARY
OF COVER
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Cancellation
& Curtailment
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£3000
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Personal
Accident
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£15,000
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Medical
& Other Expenses
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£5,000,000
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Hospital
Benefit
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£300
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Personal
Luggage Money & Valuables
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£2,000
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Loss
of Passport
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£200
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Travel Delay
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a) £60 b) £3,000
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Missed Departure
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£500
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Personal Liability
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£2,000,000
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Legal Expenses
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£25,000
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POLICY EXCESSES:
An excess of £50 applies to each and every claim for
each insured person under the Cancellation & Curtailment, Medical &
Other Expenses and Personal Luggage Money & Valuables sections.
Increased Excess
For person's aged 65 or over the Cancellation &
Curtailment and the Medical & Other Expenses excess is doubled. For
person's aged 76 or over the Cancellation & Curtailment excess is
increased to £150 and the Medical & Other Expenses excess is
increased to £200.
Increased Excess for Pre Existing Medical
Conditions
There is no need to advise us of your pre existing
health conditions. Provision for the acceptance of alt pre existing
health conditions has been made by the application of increased
excesses in the event of claims arising.
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For claims arising from the treatment of any pre
existing illness the excess is further increased as follows
Under the Cancellation & Curtailment section ‑ double the
normal excess.
Under the Medical & Other Expenses section
For persons aged under 65 years the excess is
increased to £250.
For persons aged 65 to 75 years the
excess is increased to £500.
For persons aged 76 to 90 years
the excess is increased to £1000.
EMERGENCY
ASSISTANCE
There is a 24‑hour
emergency assistance service included in the policy so that any
insured person may seek assistance in medical emergencies whilst
on holiday. Full details are contained in the policy document.
MAIN HEALTH
EXCLUSIONS
We will not pay
for claims arising where you or any person upon whose health the
trip depends:
1. are undergoing tests for the presence of a medical condition
receiving or on a waiting list for or have knowledge of the need
for treatment at a hospital or nursing home.
2. have received a terminal prognosis.
3. suffer from any psychiatric disorder, anxiety state and/or
depression suffered by you for which you have previously
received treatment or have been diagnosed prior to the date of
booking or of issue of the insurance.
4. are expected to give birth before or within 14 weeks of date
of return to the UK.
5. are travelling against the advice of a Medical Practitioner
or for the purpose of obtaining medical treatment abroad.
6. suffer from a medical condition diagnosed or for which
hospital treatment was received within 12 months prior to the
date of booking.
INSURANCE
PRODUCT DISCLOSURE
Cancellation Rights
The Insurer provides a Money Back Guarantee
enabling you to cancel the insurance within 14 days of issue
should the policy not meet your requirements. No refund of
premium is provided for cancellations after this time.
Claims
Claims are handled by Towergate Chase Parkinson
who act on behalf of the insurers and not the customer in
relation to any claim. The telephone number is 0870 906 3144.
General Queries
If you have any query regarding the cover
provided you may contact Global Travel Insurance on 01903 203933
for advice.
Applicable Law
The law applicable to this insurance contract is
English Law.
The rates per person for the holidays on this web site
are:
PREMIUMS
European Holidays in 2008: 6‑10
days ‑ £43.08
11‑17 days ‑ £53.50
Caribbean Holidays in 2008: 11‑17
days ‑ £123.50
Global Travel have no age limit up to 90 years old for the
eligibility
of their insurance but automatically would not cover any
medical condition within the last 12 months
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