TRAVEL INSURANCE
THE FOLLOWING DETAILS APPLY TO ALL HOLIDAYS DEPARTING FROM 1 NOVEMBER 2011.
Cricketer Holidays is an Appointed Representative of Global Travel Insurance Services Ltd who are authorised and regulated by the Financial Services Authority. We are happy to offer to you the following insurance which is underwritten by ETI International Travel Protection (ETI) the UK branch of Europäische Reiseversicherung A. G.
Munich, an ERGO group Company who are approved by the Financial Services Authority to undertake insurance business in the UK. 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 on request. This insurance is only available to persons up to age 79 years who are permanently resident and domiciled in the UK and is valid for travel between 01/11/2011 and 31/10/2012.
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 90 days duration.
2. Age is 79 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.
If you would like more information or are unsure of any details contained herein, you should ask Global Travel Insurance Services Ltd for further advice.
SUMMARY OF COVER
Main policy limits only, please see the policy document for other limits that may apply.
Section Limit
Cancellation or Curtailment £3,000
Personal Accident £15,000
Medical & Other Expenses £5,000,000
Hospital Benefit £300
Personal Luggage, Money & Valuables £2,000
Loss of Passport £200
Travel Delay (a) £60
(b) £3,000
Missed Departure £500
Personal Liability £2,000,000
Legal Expenses £25,000
POLICY EXCESSES:
Cancellation or Curtailment
The first £100 of each and every claim per Insured Person claimed for under this Section is excluded, increased to £200 where You are aged
65 to 75 years and to £300 where You are aged 76 to 79 years (other than in respect of claims for loss of deposit where the excess is £50).
Medical & Other Expenses
The first £100 of each and every claim per Insured Person claimed for under this section is excluded. Where You are aged 65 to 75 years the first £200 of each and every claim per Insured Person claimed for under this Section is excluded. Where You are aged 76 to 79 years the first £300 of each and every claim per Insured Person claimed for under this section is excluded.
Other Sections
An excess of £50 applies to each and every claim each insured person under the Personal Luggage Money & Valuables and Delayed Departure
(b) sections, and £250 under the Personal Liability section.
If you are travelling to North or Central America or the Caribbean or on a Cruise you must first contact the Medical Screening Line in order to establish whether we can provide cover for your trip. If you are accepted then the following levels of excess will apply and you will receive written confirmation that you are covered for the trip.
The number to call is 0844 892 1698.
Increased Excess for Pre Existing Medical Conditions Unless you are travelling to North or Central America, or the Caribbean, or on a Cruise, there is no need to advise us of your pre- existing health conditions. Provision for the acceptance of all pre- existing health conditions has been made by the application of increased excesses in the event of claims arising. For claims arising from the treatment of any pre existing illness the excess is further increased as follows - Under the Cancellation or Curtailment section - double the normal excess.
Under the Medical and other Expenses section For persons aged 64 years or less the excess is increased to £500 For persons aged 65 to 75 years the excess is increased to £1,000 For persons aged 76 to 79 years the excess is increased to £1,500 You will also need to obtain confirmation from your GP of your fitness to travel.
EMERGENCY ASSISTANCE
There is 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 directly or indirectly from the following circumstances existing on the date or applying for this
insurance:
(a) Where You (or any person upon whose health the Trip depends) 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.
(b) From any terminal illness suffered by You (or any person upon
whose health the Trip depends)
(c) From any medical condition for which You (or any person upon
whose health the Trip depends) have within 12 months prior to the date of issue of this insurance been diagnosed or have been admitted to or undergone a procedure/intervention in a hospital.
(d) From any reoccurrence of any psychiatric disorder, anxiety state
and/or depression suffered by You (or any person on whom the Trip
depends)
(e) Where You are travelling against the advice of a Medical
Practitioner.
(f) Where You have failed to contact the medical screening line if
required to do so.
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 cancellation 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.
The law applicable to this insurance contract is English Law.
General Queries
If you have any query regarding the cover provided you must contact Global Travel Insurance on 01903 267432 for advice.
Applicable Law
The law applicable to this insurance contract is English Law.
Complaints
If you wish to register a complaint about our service, please contact us in writing at the above address. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.
Financial Security
These insurance arrangements are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled fo compensation from the scheme if we cannot meet our financial obligations although this depends on the type of business and the circumstances of the claim.
Insurance advising and arranging is covered up to 90% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS.
IMPORTANT NOTICE
We would like to draw to your attention certain important features of travel insurance policies in general as follows.
POLICY DOCUMENT: you should read the document carefully. It gives you full details of what is and what is not covered and the conditions of the cover. Cover will vary from policy to policy and Insurer to Insurer.
CONDITIONS, EXCLUSIONS & WARRANTIES: conditions and exclusions will apply to individual sections of your policy whilst general exclusions, conditions and warranties will apply to the whole of your policy.
HEALTH: your policy may contain restrictions regarding the pre- existing medical problems concerning the health of the people travelling and of the people upon whose health the trip will depend.
You are advised to read your policy carefully.
DANGEROUS SPORTS OR PASTIMES: if you are going to take part in dangerous sports or pastimes where there is a high risk of injury, check that your policy covers you.
PROPERTY CLAIMS: these claims are paid based on the value of the goods at the time you lose or damage them and not on a 'new for old'
or replacement cost basis.
POLICY LIMITS: most sections of the 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 policy if you intend taking expensive items with you.
POLICY EXCESSES: under most sections of the policy claims will be subject to an 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.
COMPLAINTS: your insurance policy will have in it a complaints procedure which tells you what steps to take if you wish to make a complaint.
FOR TRAVELLERS OVER 79YRS
Cricketer Holidays also offer a SINGLE TRIP travel insurance for passengers over the age of 79.
This policy is arranged by Global Travel Insurance Services Ltd., who are authorised and regulated by the Financial Services Authority whose status can be checked on the FSA Register by visiting
We will provide you with an application form enabling you to arrange SINGLE TRIP travel insurance. Beyond providing this information, we are not allowed to assist you in any way in the arrangement of your travel insurance or give any advice.
We also offer MULTI TRIP travel Insurance, which is arranged by Global Travel Insurance Services Ltd. Please request an application form from Cricketer Holidays if you are interested.
PREMIUMS
EUROPE Up to 10 days Up to 17 days Up to 24 days
£70.00 £80.00 £90.00
WORLDWIDE Up to 10 days Up to 17 days Up to 24 days
£125.00 £150.00 £165.00
N. AMERICA & CARIBBEAN Up to 10 days Up to 17 days Up to 24 days
£145.00 £170.00 £185.00
Premiums quoted are for one adult aged 79 years or less. Please read your policy carefully and ensure you are familiar with the Policy Excesses and Main Health Exclusions.
All rates include Insurance Premium Tax at 20% The above Premiums are correct at the time of going to press, but could change.
Insurance premiums as detailed above are not included in the holiday price and must be paid at the time of booking.
A Certificate will be sent to you with your Confirmation