Personal Holiday Insurance

We have arranged a special insurance scheme with Travel Insurance specialists P J Hayman & Company Ltd to cover clients booking through us. This insurance is underwritten by ELVIA Travel Insurance International N.V. (Netherlands) and is administered in the UK by Mondial Assistance (UK) Ltd. All members of your party will be covered unless you inform Hideaways that you do not require cover, or, for Personal Accident cover, if persons exceed the limit of 75 years of age. Non-UK Nationals will only be covered for cancellation and curtailment. The cost of insurance is included within the price of your holiday.

Summary of Cover

The following is a summary of cover only and does not contain the full terms and conditions of the contract. Full terms, conditions and exclusions can be found in the certificate of insurance, which you should read carefully. These will be sent to you with your Confirmation of Booking or at any time on request.

You are automatically covered under the Cancellation Section as soon as you make your initial payment to Hideaways. Cover ends on the last day of your holiday. For other sections cover starts from the time you leave your home in the UK and ends when you return to it.

You may cancel the cover within 14 days of purchase and receive a full refund of premium provided you have not travelled, made a claim or intend to make a claim. If you do not cancel the policy within 14 days you will be liable for the full insurance premium.

Cancellation Cover - Up to the cost of your holiday

Insurers will reimburse your irrecoverable pre-booked travel and accommodation charges if the holiday is necessarily and unavoidably cancelled due to a cause outside your control (excess £40 per party - other than loss of Deposit claims £15 per party)*

Curtailment Cover - Up to the cost of your holiday

Insurers will reimburse the proportion of your holiday costs that are lost following abandonment of the holiday on written medical grounds. (Excess £40 per party)*

Medical Repatriation and other expenses

The following cover applies under this section if the insured person is hospitalised more than 25 miles away from usual place of residence:

Emergency Medical Repatriation & Travel Expenses - Up to £10,000 (Excess £40 per party)
Emergency Accommodation Expenses - Up to £200
Visit by a close relative (Transport costs) - Up to £250
Transportation of the deceased person - Up to £1,000
Hospital Benefit - Up to £200 (£10 per day)
Repatriation of Vehicle/Luggage - Up to £1,000

Additional Benefits

The following additional Personal Insurance benefits are now included under this policy:

Baggage & Money Cover - Up to £1,500 (Money Limit £150, Valuables and single article limit £150 - Excess £40 per person)
Personal Accident - Up to £10,000
Personal Liability - Up to £2,000,000 (Excess £100 for damage to holiday accommodation)
Travel delay over 6 hours - Up to £20
£15 per day (max. £75) where beaches are unfit for use due to pollution
Natural Catastrophe - Up to £500
Loss of amenity/significant nuisance - Up to £500

Note: Health Conditions

Claims are excluded where at the time of taking out insurance:

The insured person:

is aware of any set of circumstances which could reasonably have been expected to give rise to a claim; or
has suffered from a chronic or recurring illness during the previous twelve months UNLESS permission is obtained from the treating GP of fitness to travel at the time of booking.

The Person whose condition gives rise to a claim:

is receiving, or on a waiting list for treatment in a hospital or nursing home; or
is awaiting the results of any tests or investigations; or
is pregnant and the pregnancy was more than 28 weeks at the end of the Journey; or
is travelling against the advice of a Medical Practitioner or for the purpose of obtaining medical treatment abroad; or
has been given a terminal prognosis

* If the insured person has a pre-existing medical condition for which consultation or treatment has been received within the 6 months prior to the date of issue of this insurance, the excess under Cancellation, Curtailment and Medical repatriation is increased to £80.

How to claim

In the event of a medical emergency involving hospitalisation please notify the Emergency Assistance company by telephoning 020 8603 9929 or by Fax 020 8603 0204 and mention that you are insured by UK Plus and Mondial Assistance and also quote your booking reference number.

To make any other claim please contact:

P J Hayman & Co Ltd, Stanstead House, Rowlands Castle, Hampshire PO9 6DX

Or call:

Claims Dept: 0845 230 3524
Underwriting Dept (for cover queries): 0845 230 3526

Complaints and compensation

If you wish to make a complaint, please follow the complaints procedure as shown in your policy wording. If dissatisfied, your complaint can be referred to:

The Financial Ombudsman Service (FOS), South Quay Plaza II, 183 Marsh Wall, London, E14 9SR