Untitle Document

For your own peace of mind and financial protection ALWAYS take out holiday insurance. When you do, be sure to study the small print and be absolutely sure of the detail of your cover to avoid what could result in severe personal liability.

We can provide an excellent cover all details and rates are clearly listed below:

Schedule of Cover
Sect	Description	Cover (per Insured	Excess
A (1)	Cancellation & Curtailment	Up to £3,000	£50
A (2)	Catastrophe	Up to £500	£50
B	Medical Expenses (inc Emergency Repatriation	Up to £5,000 ,000	£75
C (1)	Hospital Benefit	£10 per day up to £500	Nil
C (2)	Mugging Benefit	£500 per day up to £1000	Nil
D	Effects & Baggage Single item Limit Valuables Limit Travel Documents Delayed Baggage	Up to £1,500 £200 £200 Up to £250 Up to £100	£50
E	Personal Money	Up tp £500	£50
	Cash Limit	£200
	Cash Limit (Under 18 yrs)	£100
F (1)	Travel Delay	£20 for first 12 hour period £10 each 12 hour period thereafter up to£100	Nil
F (2)	Holiday Abandonment	Up to £3,000	£50
H	Missed departure	Up to £250	£50
I	Personal Accident	Max. Benefit £15,000	Nil
	Perm Total Disablement	£15,000
	Loss of Limb(s) or sight	£15,000
	Death	£5,000
	Death aged under 18	£5,000
J	Personal Liability	Up to £2,000,000	£250
K	Legal Expenses	Up to £15,000	£250
L	Scheduled Airline Failure	Up to £3,000	Nil

Single Trip Price
	Days	AREA 1	AREA 2	AREA 3
	5	£7.70	£12.14	£19.02
	10	£13.07	£15.38	£29.33
	17	£14.27	£17.04	£34.58
	24	£18.27	£19.39	£39.87
	31	£25.89	£20.96	£47.33

	Additional Week	£6.52	£8.70	£11.45
	Excess Waiver	£9.50	£9.50	£9.50

Rating Notes
1 Insured aged 66 to 69: *Adult Rate X 150% Areas 1 and 2, No Cover area 3* Insured aged 70 to 75: *Adult Rate X 200% Areas 1 and 2, No Cover area 3* Insured participating in Cruise Holidays (limits increased to £5,000 for Canx/Curt/Abandonment): Adult or Family Rate X 300% 2 Children under 18: *50% Adult Premium* 3 Children under 2: *Free* 4 Territorial Limits: *Area 1 = UK* *Area 2 = Europe* *Area 3 = Worldwide* 5 Pre-existing health conditions : *Rated (if accepted).* 6 Maximum Period of Insurance aged 65 or under: *92 days* Maximum Period of Insurance aged 66 or over: *92 days* 7 Family Rate Adult Rate X225% + £2.60 for every child 8 Wintersports *Adult or Family Rate X200%* 9 Activity Loading (not available to insured aged 66 or over): Adult or Family Rate: Category A X 125% Category B X 150% NB Kite Surfing = Category B 10 Money/Baggage Cover Deletion Adult or Family Rate less 12.5%

Annual Multi Trip (AMT) Price
Type	AREA 2	AREA 3
Adult	£95.00	£117.00

Family	£121.00	£148.00

Rating Notes :

1          Insured aged 66 and over:
                        No Cover
2          Territorial Limits:
Area 2 =          Europe
Area 3 =          Worldwide
3          Pre-existing health conditions:
                        Rated (if accepted).
4          Maximum Period of Insurance:
                        12 Months
5          AMT Maximum Trip Duration (unlimited number of trips):
                        31 days (Leisure & Business Trips included)
                        Individual Travel allowed for adults & children.

AMT Cover within UK:
No coverage

            AMT Family definition:
                        Husband & Wife (or couple co-habiting at
                        least six months) plus all children under 18.

                        (£10 for every child)

6 AMT Maximum Days Wintersports
10 days at no additional premium

Activity Loading
Not available
Cruise Loading
Adult or Family Rate X 300%

Adult or Family Rate X 300%

2 Children under 18: 50% Adult Premium

Adult Rate X225% + £2.60 for every child

Adult or Family Rate:

Category A X 125%

Category B X 150%

Adult or Family Rate less 12.5%

2 Children under 18:
50% Adult Premium