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 at Lloyds by Syndicate 1200.
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
Missed departure and Journey disruption: Up to £1,000
Travel delay: £40 after 12 hours £20 each additional 12 hours up to £200
Abandonment: cancellation: up to £5,000
Personal liability: Up to £2 million
Legal expenses: Up to £20,000
Financial failure: 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.
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 the screening service, Healthcheck, on 0845 003 5244. Please carefully consider the questions below in relation to yourself and your travelling companions. To avoid unnecessary cost, you should only contact the screening service if the answer to questions 1, 2, or 3 is YES. If all the appropriate answers are NO then there is no need to contact Healthcheck and your condition(s) will be insured. If you do contact Healthcheck and go through a full screening when the appropriate answers are all NO then you will have to pay the appropriate additional premium quoted if you wish to cover your declared conditions
1. Within the last 12 months have any of you suffered from, been investigated for, diagnosed with, received treatment or taken any medication for:
a. any cancer or malignant condition
b. any lung related condition (other than stable, well-controlled asthma that requires not more than two medications, including inhalers)
c. any lung or heart related condition (including angina)?
N.B. You must contact Healthcheck if you take regular medication for any of these conditions.
2 .Do any of you suffer from any other medical condition that has required referral to or consultation with a specialist clinic or hospital for treatment, tests or investigation within the 12 months prior to the date this insurance was arranged?
N.B. Continuing regular medication that is taken at home for a stable, wellcontrolled condition does not amount to “treatment” in this context and so does not need to be screened. If you have stable conditions that require no more than two routine check-ups/reviews per year, then you do not need to be screened.
3. Has your doctor increased your 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 Healthcheck on 0845 003 5244. An additional premium will be charged if you use this service, the amount of which varies and is determined by the details declared. You must quote reference Voyager WEBroker.
4. Are you are planning to take part in any Hazardous Activities or are you aware of any other circumstances that could reasonably be expected to give rise to a claim?
If so, please contact Voyager Insurance Services on 01483 562662
Please note that you will not be covered for any related claims if you:
- have any medical condition, as a result of which a medical practitioner has advised you not to travel or would have done so had you sought his or her advice.
- have been given a terminal prognosis.
- are on a waiting list for treatment or investigation.
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).
Relevant facts – You must tell the insurer all relevant facts. A relevant fact is one that is likely to influence them in accepting your insurance. This could be the state of health of a close relative whose health may cause you to cancel or curtail your trip If you are in any doubt as to whether a fact is relevant, you should tell the insurer. If you do not do so, this may result in a claim being invalid. Please call 01483 562662.
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.
Family insurance – Children aged 0 - 17 years inclusive receive free insurance if travelling with at least one full paying adult who is 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 Conduct Authority.
Premiums - Including IPT at the relevant rate and excess waiver.
UK, Channel Islands and the Isle of Man
|Adults||Family||65–74 yrs||75–84 yrs|
|1 - 4 days||£22||£44||£24||£26|
|5 - 10 days||£24||£48||£26||£30|
|11 - 17 days||£29||£58||£31||£34|
Excess Waiver - £7 per person or £14 per family
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 Conduct Authority.