Travel Insurance
We strongly recommend insurance to all our customers. Everymann Holidays (operated by Premier Holidays Ltd) has arranged through Voyager Travel Insurance Services Ltd, a quality holiday insurance. The applicable premium per person (set out below) must be included with the deposit. Full details of cover will be sent with your holiday confirmation/invoice.
Insurer - This insurance is
underwritten by ELVIA Travel Insurance International N.V. (Netherlands)
and administered in the United Kingdom by Mondial Assistance (UK)
Limited.
Telling us about relevant facts - Before you
travel you must tell us about anything that may affect your cover. If
you do not tell us about something that may be relevant, your cover may
be refused and we may not cover any related claims.
Policy document
- The policy wording gives you full details of what is and what is not
covered and what to do if you need to claim. It is very important that
you read the whole of this policy before you travel and make sure the
cover is suitable for you. Please make sure that you take it on holiday
with you in case of an emergency. A copy of the policy wording is
available on request, if you require full details of cover prior to
buying this insurance, please ask us to send you a copy.
Premiums - Including IPT at the relevant rate.
Adult Family 65-74yrs 75-84yrs
1-4 days 20 40 25 29
5-10 days 24 48 29 33
11-17 days 26 52 31 35
18-23 days 30 60 35 39
Extra Week 10 20 10 10
Excess Waiver £7 per person £14 per family.
Summary of Cover
- The following is only a summary of the main cover limits and you
should read the policy document for the full terms and conditions. All
details correct as at date of print but subject to change without
notice.
Cancellation or curtailment: Up to £5,000
Emergency medical & associated expenses: Up to £10 million
In-patient benefit: £20 per day up to £1,000
Loss of passport: Up to £500
Delayed personal possessions: £200
Personal possessions: Up to £2,000
Personal money: Up to £500
Personal accident: Up to £30,000
Journey disruption: Up to £1,000
Delayed departure: £40 after 12 hours £20 each additional 12 hours up to £200
Delayed departure – cancellation: up to £5,000
Personal liability: Up to £2 million
Legal expenses: Up to £20,000
Policy limits -
Each section of the policy shows the most you can claim but other
limits may apply. For example under the Personal Possessions Section
there are other specific limits for any one item and for valuables
(including photographic equipment). If you intend to take expensive
items with you please check that you are fully covered.
Conditions and exclusions
- Your policy does not cover all possible events and expenses. There
are conditions and exclusions that apply to individual sections of the
policy and general conditions and exclusions that apply to the whole
policy.
Health declaration and exclusions - This policy contains exclusions relating to pre-existing medical conditions.
You will not be covered for any claim arising from a medical condition for which, at the time of taking out this insurance: -
1.Any
of you have received treatment from or had a consultation with a doctor
or hospital specialist in the past 6 months (other than for a routine
check up or repeat prescription);
2.Any of you have been
referred to or are any of you waiting to see a doctor or a hospital
specialist for treatment, tests or investigations? (For example
awaiting further treatment or investigations or the results of any
tests);
3.Any of you have been diagnosed with or treated for
cancer, heart related, breathing or circulatory conditions in the last
2 years;
Unless the condition(s) has (have) been declared to and accepted by the Insurers in writing.
Please note that you will not be covered
i.)for
any claim arising from a medical condition of someone you were going to
stay with, a travelling companion, a relative or a business associate
if you are aware of the medical condition at the time your policy was
issued as stated in 1, 2 and 3 above.
ii.)if you travel
against the advice of a doctor or where you would have been if you had
sought their advice before beginning your journey.
iii.)if you know you will need medical treatment during your journey or you are travelling specifically to get medical treatment.
iv.)for any directly or indirectly related claim if, before your journey, a doctor diagnosed that you have a terminal condition.
v.)if
you were waiting for medical treatment as a hospital in-patient or were
under investigation for a medical condition when your policy was issued.
vi.)for
any claims relating to pregnancy or childbirth if the pregnancy was
more than 28 weeks at the end of a journey within Europe.
Please
read your policy carefully for the full terms and conditions applicable
and for details of who to call if you need to tell us about any medical
condition(s).
Hazardous activities - If you are going to take part in any hazardous sports or activities you should check that the policy covers you.
Cancellation rights -
If your cover does not meet your requirements, please return the
documentation within 14 days of receipt and your premium will be
refunded in full unless you have travelled made a claim or intend to
make a claim. Please note that your cancellation rights are no longer
valid after this initial 14 day period.
Policy excess –
Under some sections of your policy, you will have to pay an excess.
This means that you will be responsible for paying the first part of
the claim for each person insured, for each section, for each incident.
The amount you have to pay is the excess. An excess waiver option is
available – see premiums set out below.
Making a complaint - The policy contains a complaints procedure which tells you what steps you can take if you wish to make a complaint
Governing law
- Unless agreed otherwise, English law will apply and all
communications and documentation in relation to this policy will be in
English.