Booking

When booking your flights, travel insurance can be booked online for those over 17 and under 65 years of age who commence their journey in the UK and have a permanent residence there. Insurance Premiums to cover Children, Senior Citizens, Family groups and Winter Sports must be booked by telephone on 0141 332 3233 or 08705 561 522.

PLEASE NOTE INSURANCE CAN BE BOOKED ONLINE FOR RETURN JOURNEYS ONLY.


Rates Effective From The 1st Jan 2005
 
Adult Premium Child Premium Senior Citizen Senior Citizen
  Age 18 - 64 Age 2 - 17 Age 65 - 74 Age 75+
up to 9 days £45 £23 £90 £135
10 - 17 days £47 £24 £94 £141
18 - 25 days £65 £33 £130 £195
26 - 35 days £73 £37 £146 £219

One way £53 £27 £106 £159
Extra Week £17 £9 £34 £51

Winter Sports cover is available at Double Premium by telephone 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 Optimum Underwriting Agencies Ltd for Groupama Insurance Limited.
Optimum Underwriting Limited and Groupama Insurance Company Limited are members of the General Insurance Standards Council until the 14 January 2005. With effect from the 15 January 2005, Travel & General, Optimum Underwriting Limited and Groupama Insurance Company Limited will be Authorised and Regulated by the Financial Services Authority. Groupama Insurance Company Limited is a member of the Association of British Insurers.

Summery

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

Section 1- Cancellation Up to £2,500
Section 2- Curtailment Up to £2,500
Section 3- Missed Departure Up to £300
Section 4- Travel Delay

1) £20 for the first 12 hours
£10 for each 12 hours thereafter
Up to £250

2)Cancellation after 24 hours Up to £2,500
Section 5- Personal Accident Up to £15,000
Section 6- Medical Expenses Up to £5,000,000
Section 7- Hospital Benefit £10 per day
Section 8- Baggage & Personal Effects up to £1,000
Delayed Baggage (After 12 hours) up to £100
Personal Money up to £400
Section 9- Personal Liability up to £1,000,000
Section 10- Legal Expenses up to £10,000
If appropriate premium has been paid  
Section 11- Ski Equipment up to £500
Section 12- Ski Pack up to £400
Section 13- Piste Closure up to £200
Section 14- Avalanche up to £150Excesses
Sections 1, 2, 4(2), 6, 8 & 11 are subject to an excess of £60 per person per claim. Section 9 - £250 property damage
Delayed baggage & Hospital Benefit - Nil


What to do in the event of a serious medical emegengcy

You will find in the insurance certificate full details of Your 24 Hour Medical Emergency Service operated by International Medical Rescue. 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 reasons, you must seek prior authorisation from the 24 Hour Emergency Service who will assist you with all arrangements.

How to make a claim

For all claims other than emergency medical and curtailment claims, please contact:
Claims International Ltd, 14th Floor, Leon House, 201-241 High Street, Croydon, Surrey CR9 1ER

Travel Insurance - important notice

Optimum Underwriting Limited, wish to bring to your attention some of the important features of your insurance policy, including;
Policy Document: This contains full details of the cover provided plus the conditions and exclusions that apply to it.
Conditions, Exclusions and Warranties: There are conditions and exclusions that apply to individual sections and general exclusions, conditions and warranties will apply to the whole policy.
Date Change Exclusion: Changes in dates (particularly the change of the century) see widespread failure of computer and other systems containing computer chips, which depend on date related information in order to work property. Certain sections of your policy excludes anything directly or indirectly caused by failure of any computer hardware or software or other electrical equipment to recognise or process any date as the true calendar date.
Fraudulent Claims: The making of a fraudulent claim is a criminal offence.
Medical Expenses: Please note that this section does not provide private health care unless specifically approved by the emergency service.
Health: The policy contains conditions related to health of the people travelling and others upon whose well being the trip may depend. It may be that you are required to disclose the condition of such people prior to the cover being issued and you must be aware that the failure to disclose such matters will prejudice your position. The Healthcheck line for this policy is 0117 300 7015.
Property Claims: These claims are settled on an indemnity basis not on a 'new for old' or replacement cost basis.
Policy Limits: Most sections of the policy have limits on the amount the insurers will pay under that section. Some sections also include inner limits, for example for one item or for valuables in total.
Policy Excesses: Claims under most sections of the policy will be subject to excess. Where there is an excess, you will be responsible for paying the first part of the claim.
Reasonable Care: You are required to take all reasonable care to protect yourself and your property, and act as though you would are not insured.
Complaints: The insurance policy includes a Complaints Procedure which tells you what steps to take if you wish to make a complaint.
Cooling Off Period: This policy contains a "cooling off" period which you allows you to return the policy and obtain a full refund if you have a justifiable reason for being dissatisfied with the cover Provided
Dangerous Sports or Pastimes: The policy will not cover you when you take part in certain hazardous activities.
Governing Law: Your policy is governed by the law applicable to where you reside within the United Kingdom or Republic of Ireland.

PLEASE MAKE SURE YOU READ YOUR INSURANCE POLICY CAREFULLY