Insurance Policy
Insurance is issued free of charge. A policy will be issued on payment of the deposit, which should be read thoruoghly, as any pre-existing medical conditions must be declared.
TOURSURE CLASSIC COACH PASSENGER HOLIDAY INSURANCE 2009 SEASON INTRODUCER APPOINTED REPRESENTATIVE SCHEME
COVER
Cancellation & Curtailment £1500
Medical Expenses £5000000
Personal Accident £15000
Repatriation Expenses £1500
Hospital Benefit £10 per day up to £300
Travel Delay £100/£1500
Missed Departure £300
Legal Expenses £5000
Personal Possessions and Money £2000
Personal Liability £2000000
Medical Emergency Assistance – UK and Europe
POLICY EXCESSES
Cancellation & Curtailment See Below
Personal Possessions and Money
£50
Full Holiday Cost £50/ Loss of Deposit £10
Travel Delay Nil/£50
Medical and Repatriation Expenses £50
Personal Liability (Property
Damage) £250
MEDICAL TERMS
UK , CH / ISLES & EIRE - PRE-EXISTING MEDICAL CONDITIONS ARE NOT
EXCLUDED
Terms and conditions apply and will be discussed with your Customer by
the
Healthcheck Line on 08700 662 724
NO AGE LIMIT
TRAVEL INSURANCE - IMPORTANT NOTICE
Before you purchase Toursure Classic your attention is drawn to a number
of important aspects:
Policy document: You should read the document carefully. It gives you
full details of what is and what is not covered and the conditions of
the cover. Cover will vary from policy to policy and insurer to insurer.
Conditions, exclusions & 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.
Medical expenses: Your policy does not provide private health treatment
unless specifically approved by the emergency assistance service.
Health: Most travel insurance policies have health restrictions in them
that may exclude any pre-existing conditions. If you are purchasing our
travel insurance we want to ensure you are provided with the best cover
we can offer. Please would you call the Healthcheck Line where an operator
will be able to advise you on your pre-existing condition. All calls will
be treated in the strictest confidence and the decision will be confirmed
to you in writing. Should we require any additional premium and you accept
our offer, this should be paid to the medical helpline either by credit
card or cheque within 14 days of your call.
Property Claims: These claims are paid based 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. Your policy will set
out what proof the insurer needs to support a claim.
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.
You are advised to check your policy if you intend taking expensive items
with you.
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.
Fraud: The making of a fraudulent claim is a criminal offence. Your insurer
may be recording details of claims on an anti-fraud register.
Complaints: Our Insurers set high standards, if you are not satisfied
with the insurance policy, please refer to the policy wording which contains
full details of the complaints procedure.
‘Cooling Off’ Period: Your policy will have a ‘cooling
off’ period during which you can cancel the policy, if you have
a justifiable reason for being dissatisfied with the cover it provides.
Your policy is governed by the law of England and Wales unless you and your insurers have agreed otherwise.
If you would like more information, please contact: Spencer Moray Limited: Tel: 01454 616667; Fax: 01454;202858 -mail: sroebuck@spencermoray,com, particularly if you feel the insurance may not meet your needs.
These details are not a substitute for your insurance policy.
Please make sure you read your policy carefully
From 1st January 2009 Stoddards Ltd will be acting as an Introducer Appointed
Representative of Spencer Moray Ltd.
Spencer Moray Ltd is authorised and regulated by the Financial Services
Authority
One Underwriting Ltd is authorised and regulated by the Financial Services
Authority
IGI Insurance Services is authorised and regulated by the Financial Services
Authority
HOLIDAY CANCELLATION SCALE PERIOD BEFORE DEPARTURE CANCELLATION CHARGE
Prior to 42 Days Deposit
28 – 42 Days 30%
14 – 27 Days 45%
7 – 13 Days 60%
1 – 6 Days 100%
