Travel Insurance 2009-2010
Adventures Unlimited Inc t/a Collette Worldwide Holidays and Explorations by Collette are happy to offer 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. Both companies are Authorised and Regulated by the Financial Services Authority (FSA).

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.

This insurance is only available to persons who are permanently resident and domiciled in the UK and is valid for holidays between 1st January 2009 and 31st December 2009 extended to include Oberammergau departures over the period 1st April 2010 to 31st October 2010.
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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 120 days duration.

1 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. 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.
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SUMMARY OF COVER
Main policy limits only, please see the policy document for other limits that may apply

Section Limit
Cancellation & Curtailment £4,000
Personal Accident £15,000
Medican & Other Expenses £5,000,000
Hospital Benefit £300
Personal Luggage, Money & Valuables £2,000
Loss of Passport £200
Travel Delay (a) £60 (b)£4,000
Missed Departure £500
Personal Liability £2,000,000
Legal Expenses £25,000

Policy Excesses

Cancellation or Curtailment
The first 10% minimum £50 of each and every claim per Insured Person claimed for under this Section is excluded, increased to 20% minimum £100 where You are aged 66 to 75 years and to 30% minimum £150 where You are aged 76 to 90 years.

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 66 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 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.

Increased Excess for Pre Existing Medical Conditions
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 & Other Expenses section
For persons aged 65 years or less the excess is increased to £500
For persons aged 66 to 75 years the excess is increased to £1,000
For persons aged 76 to 90 years the excess is increased to £1,500

You will also need to obtain confirmation from your G.P. of your fitness to travel.
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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.
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MAIN HEALTH EXCLUSIONS
We will not pay for claims arising Where You or any person upon whose health the trip depends
1) 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.
2) have received a terminal prognosis.
3) suffer from any psychiatric disorder, anxiety state and/or depression suffered by You for which You have previously received treatment or have been diagnosed prior to the date of booking or of issue of the insurance.
4) are pregnant or as a result of childbirth.
5) are travelling against the advice of a Medical Practitioner or for the purpose of obtaining medical treatment abroad.
6) From any medical condition for which you or any person upon whose health the Trip depends has within 12 months prior to the date of issue of the insurance (for Cancellation) or the date of departure of each Trip (other sections) been diagnosed with a medical condition or have received treatment in a hospital.
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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 Queries 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.

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 (FSCA). You may be entitled to 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 for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS.

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Insurance Premiums 2009 - 2010
Departures between 1 January to 30 April 2010
Europe: Worldwide:
Up to 10 Days £39 Up to 10 Days £84
Up to 17 Days £46 Up to 17 Days £93
Up to 24 Days £55 Up to 24 Days £104
Up to 31 Days £62 Up to 31 Days £119
Add 7 Days £29

Special Note: All customers aged 70-90 years at the time of travel will have to pay an additional 50% on top of the applicable standard premium for their holiday.

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