Southern Holidays Ltd are happy to introduce 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.
This insurance has been specially designed so that it covers all of the holidays that we feature, protecting in full if you have to cancel and providing you with the very best and most efficient 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. We act as an introducer appointed representive for the purposes of your travel insurance, appointed by GLOBAL TRAVEL INSURANCE SERVICES LTD. Who are authorized and regulated by the financial services authority who's status can be checked on the FSA registered by visiting www.fsa.gov.uk/register or by contacting the FSA on 0845 6061234. Address for correspondence Amelia House, Crescent Road, Worthing, West Sussex, BN11 1RL. Telephone: 0903 203933 Fax: 10903 21106 Email: This e-mail address is being protected from spambots. You need JavaScript enabled to view it . If you have a complaint about the sale of this insurance you must first write to the Managing Director of Global Travel Insurance Services Ltd. Subsequently, complaints may be referred to the Financial Ombudsman Service. If we are unable to meet our liabilities you may be entitled to compensation under the Financial Services Compensation Scheme.
We will send you an application form on booking enabling you to arrange this insurance. If preferred, you can obtain a quotation and arrange your own insurance online via our website by clicking on the weblink provided. Beyond providing this information, we are not allowed to assist you in any way in the arrangement of the travel insurance or give any advice. Other than by way of this information, you will not receive advice or recommendation from us. You will need to make your own choice about how to proceed.
Insurance product suitability.
This insurance is suitable for persons whose Demands and needs are those of a traveller whose-
1 Individual round trips starts and finishes in the UK and is of no more than 120 days duration.
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.
This insurance is only available to persons who are permanently resident and domiciled in the UK and is vaild for holiday between 01/01/2009 00:00:00 and 31/12/2009 00:00:00.
Summary of cover
Main policy limits only, please see the policy document for other limits that may apply.
| Section | Limit | Section | Limit |
| Cancellation or Curtailment | £3,000 | Loss of Passport | £200 |
| Personal Accident | £15,000 | Travel Delay | A £60 or B £3,000 |
| Medical & Other Expenses | £5,000,000 | Missed Departure | £500 |
| Hospital Benefit | £300 | Personal Liability | £2,000,000 |
| Personal Luggage Money & Valuables | £2,000 | Legal Expenses | £25,000 |
Policy Excesses:
Cancellation or curtailment:
The first £50 of each and every claim per Insured Person claimed for under this section is excluded, increased to £100 where You are aged 66 to 75 years and to £150 where you are aged 76 to 90 years (other than in respect of claims for loss of deposit where the excess is £25).
Medical and Other Expenses
The first £75 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 £150 of each and every claim per insured person claimed for under this section is excluded.
Where you are aged 76 to 90 years the first £300 of each and every claim per insured person claimed for under this section is excluded.Other sections
An excess of £50.00 applies to each and every claim each insured person under the personal luggage money and valuables and delayed departure. (b) sections, and £250.00 under the personal liability section.
Increased excess for pre existing medical conditions
There is no requirement for you to disclose any medical condition that you have or have had. Provision for the acceptance of pre existing health conditions has been made by the application of increased excesses in the event of claims arising. You must also refer to the main health exclusions. 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 65 years or less the excess is increased to £500.00.
For persons aged 66 to 75 years the excess is increased to £1000.00.
For persons aged 76 to 90 years the excess is increased to £1500.00.
You will also need to obtain confirmation from your GP of your fitness to travel.
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 directly or indirectly from the following circumstances existing on the date of applying for this insurance:
( a ) where you (or any persons 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 persons upon whose health the trip depends) have within 12 months prior to the date of issue of this insurance been diagnosed with a medical condition or have been admitted or undergone a procedure/intervention in hospital.
( d) from any reoccurrence of any psychiatric disorder, anxiety state and/or depression suffered by you (or any person upon whose health the trip depends)
(e) Where you are travelling against the advice of a medical practitioner.
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 enquiries
If you have any query regarding the cover provided you must contact Global Travel Insurance on: 01903 203933 for advice.
Applicable law
The law applicable to this insurance contract is English Law.
