Travel Insurance

Please note:

Full details of cover will be sent with your holiday confirmation/invoice or you can download our FULL INSURANCE POLICY here

You should also read the Status Disclosure Information, which you can download here

Demands and needs

This travel insurance policy will suit the demands and needs of an individual, or group (where applicable) who have no excluded pre-existing medical conditions, are travelling to countries included within the policy terms and who wish to insure themselves against the unforeseen events detailed in the cover section below. Subject to terms and conditions and maximum specified claim limits.

Important: We will not provide you with advice about the suitability of this product for your individual needs but we will be happy to provide you with factual information.

Important information about your Premier Holidays Travel Insurance

We strongly recommend insurance to all our customers. Premier Holidays have arranged through Voyager Travel Insurance Services Ltd, a 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 - The insurance is underwritten by Mapfre Assistencia S.A. trading under the name of Mapfre Assistance in the United Kingdom and are regulated by the Financial Services Authority for the conduct of UK business.

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. Please call 01483 562 662.

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.

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
Holiday financial protection: up to £3,000
Hi-Jack: £100 per day up to £1,000
Mugging: £50 per day up to £500
Pet care: up to £500

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.

Excesses – Under some sections of this insurance, claims will be subject to an excess. This means each person will be responsible for paying the first part of their claim under each applicable section. 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 - These apply to the Cancellation or curtailment charges, Emergency medical and associated expenses and Personal accident sections. It is very important that you read and understand the following and if necessary declare any existing medical conditions to Voyager on the telephone number below: -

You will not be covered for any claim arising from a medical condition if at the time of taking out this insurance: -

1) Within the last 2 years, have any of you suffered from, been investigated, treated for or diagnosed with:

• any cancer or malignant condition
• any lung-related condition (other than stable, well controlled asthma)
• any heart-related condition (including angina)

2) Any of you suffer from any other medical condition that has required referral to or consultation with a specialist or hospital for treatment, investigation or check up within the 12 months prior to:

• the date that this insurance was arranged, or
• the date that you subsequently made arrangements for a trip (if this is an annual multi-trip policy), or
• the date that you extended the original period of your insurance, whichever is the latest.

3) You are waiting for tests, test results or hospital treatment of any kind?

4) Your doctor increased your regular prescribed medication in the last three months?

There is NO cover for claims related directly or indirectly to these conditions. However, cover may be available by contacting our medical pre-screening service on 0845 003 5244, (9am to 5pm Mon-Fri). You must quote reference WEBroker Healthcheck. In most cases, cover can be provided with a small additional premium. If special terms are necessary we will explain them to you and confirm them in writing.

5) If you are planning to take part in any Hazardous Activities or are aware of any other circumstances that could reasonably be expected to give rise to a claim please contact Voyager Insurance Services on 01483 562662.

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).

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.

Premiums - Including IPT at the relevant rate

Family insurance - Infants 0-1 year inclusive are free. Children aged 2-17 years inclusive receive free insurance if travelling with two full paying adults who are their parents or guardians.

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.

Premier Holidays Ltd is an Appointed Representative of ITC Compliance Limited which is authorised and regulated by the Financial Services Authority (FSA).