Summary Of Benefits And Cover (per person)

Cancellation - up to 2000 per person

Cancellation due to certain specified causes as detailed within the travel insurance document eg:-

a) death, injury or illness, summons for jury service, redundancy under the current Redundancy Act, etc.

b) a complication of the Insured's pregnancy or the duration of such pregnancy exceeding 30 weeks on date of departure from the UK.

c) unavoidable delay exceeding 12 hours at final point of departure from the UK as a result of failure or disruption of the pre-booked public transport service in which the insured was to depart from the UK, where no alternative form of transport is available.

Medical & Emergency Repatriation Expenses - 5,000,000 Includes repatriation by air ambulance where medically necessary and with the prior approval of the Insurers or the 24 hour emergency medical service.

INCLUDES 24 HOUR MEDICAL EMERGENCY SERVICE.

Curtailment & Hospital Benefit - up to 2000 Reimbursement of a pro-rata amount of the total pre-paid travel and accommodation costs. Hospital Benefit is paid in addition to any claim for doctor's bills, hospital bills etc., under the Medical Expenses section.

Delayed luggage - up to 200

Up to 50 per day up to 100 in total for purchase of essential items if your baggage is delayed by the carrier for a minimum of 24 hours.

Luggage & Personal Money - 2000

Limit up to 300 any one item, pair or set.

Limit up to 500 jewellery, photographic equipment, valuables etc.

Limit up to 300 personal money.

Personal Liability - 2,000,000

Such exclusions applicable to this section include the ownership, possession or use of any aircraft, watercraft or mechanically propelled vehicles. Cover whilst sailing is included in our own comprehensive yacht insurance policy.

Legal Expenses - 10,000

Legal expenses incurred for insured incidents.

Personal Accident - 20,000

In respect of accidental bodily injury resulting in death, loss of eye(s), limb(s), or permanent total disablement.

Loss of Passport - 250

Covering emergency replacement costs if passport lost during your holiday.

Delayed Departure - 100

If departure of initial outward journey from the UK or the final return journey to the UK is delayed due to failure or disruption of pre-booked flight/public transport the Insurance will pay 20 for the first full 12 hours of delay and 10 for each subsequent full 12 hours up to a maximum of 100 in all.

Excesses

All sections except Personal Accident, Personal Liability, Delayed Luggage, Loss of Passport and Delayed Departure exclude the first 35 of each and every claim for each Insured Person. Claims under the cancellation section for loss of deposit only exclude the first 15.

Residents of the Channel Islands and Isle of Man Please note that this policy will only cover you from the start of your journey from mainland UK. You may, therefore, need to arrange separate cover for your journey to the UK from your home. In the event of cancellation, subject to the terms and conditions of this policy, cover will be up to the final cost as invoiced by Sailing Holidays Ltd but excluding the cost of travel to mainland UK. For medical repatriation purposes, repatriation may be back to mainland UK rather than to your original starting point.

Claims

All claims should be made direct to Towergate Chase Parkinson, PO Box 416, West Byfleet, Surrey, KT14 7YE (Phone 01932 334196).

Principal Exclusions

Whilst this insurance is not subject to a health warranty, Underwriters shall not be liable for claims where, at the time of taking out the insurance, the person whose condition gives rise to a claim is receiving or on a waiting list for in-patient treatment in a hospital or nursing home, is expected to give birth before or within two months of the date of arrival at home, or is travelling against the advice of a Medical Practitioner or for the purpose of obtaining medical treatment abroad, or has been given a terminal prognosis.

Valuables and money whilst unattended.

Hazardous activities unless agreed by the insurer.

Personal liability whilst utilising a mechanically propelled vehicle. Cover whilst sailing is included in our comprehensive yacht insurance policy.

Important Notice

Your travel insurers, under the Association of British Insurers General Business Code of Practice, have to bring to your attention some important features of your travel insurance policy.

Policy Document: You should read the document carefully. It gives you full details of what is and is not covered and the conditions of cover. Cover will vary from policy to policy and insurer to insurer.

Conditions, Exclusions and 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: Your policy contains conditions about health of the people travelling and of other people upon whose health the trip may depend.

Hazardous Holiday Activities: If you are going to take part in hazardous holiday activities, check that your policy covers you. Sailing and windsurfing are not considered to be hazardous activities.

Fraudulent Claims: It is a criminal offence to make a fraudulent claim.

Property Claims: These claims are paid on the value of the goods at the time you lose them and not on a "new for old" or replacement cost basis, unless otherwise stated in your policy.

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.

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, as you would if you were not insured.

Cooling Off Period: Your policy may contain a "cooling off" period 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 unless you and your insurers have agreed otherwise.

General

If you have any queries about this insurance please contact Towergate Chase Parkinson (Phone 01932 334196)

Warranty: The Insured shall disclose to the Insurers any facts that could be material to this insurance.

If you wear spectacles, keep them on a security string around your neck. Jewellery has no place in small Mediterranean villages, so don't bring it. Please bring waterproof containers for any electronic or photographic equipment that you may have brought with you on holiday. Do not leave valuables in your checked in baggage. Such items are excluded from insurance cover under these circumstances.

Please ensure that any expensive items that fall outside the scope of this policy are adequately insured!