Personal Holiday Insurance

We have arranged an insurance scheme with Travel Insurance specialists P J Hayman & Company Limited to cover clients booking through us. Hideaways is an Appointed Representative of ITC Compliance Ltd which is Authorised and Regulated by the Financial Services Authority (FSA).

Demands & Needs

This travel insurance policy will suit the Demands and Needs of an individual, or group who have no pre-existing medical conditions, are travelling within the UK 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 limit.

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 Insurance Cover

Insurer

This insurance is underwritten by Mondial Assistance Europe N.V. and administered in the United Kingdom by Mondial Assistance (UK) Limited. Mondial Assistance (UK) Limited is authorised and regulated by the Financial Services Authority. Mondial Assistance Europe N.V. is authorised by De Nederlandsche Bank (DNB) and regulated by the Financial Services Authority for the conduct of UK business. Mondial Assistance Europe N.V. follows the Financial Ombudsman Service code of conduct for complaints and is covered by the Financial Services Compensation Scheme (FSCS).

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.

Eligibility

The policy is available to residents of the United Kingdom*. Some limited cover is available to non UK* residents who are purchasing the cover whilst residing or staying in the UK*. Cover is only provided under Section 1 - Loss of Deposit, Cancellation, Curtailment and specific terms and conditions apply. Please contact P J Hayman & Company Ltd on 0845 260 1634, for full details of the cover. A policy and endorsement will be provided.

* United Kingdom/UK is defined as: England, Scotland, Wales, Northern Ireland and the Isle of Man.

Important – Medical Conditions - Health exclusion

All claims are excluded where at the time of taking out this insurance:

1. The insured person:

1. is aware of any set of circumstances which could reasonably have been expected give rise to a claim; or
2. 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; or
3. is travelling against the advice of a doctor or where they would have been if they had sought their advice before beginning the trip; or
4. knows that they will need treatment or consultation at any medical facility during the trip; or
5. is travelling for the purpose of obtaining and/or receiving any elective surgery, procedure or hospital treatment.

2. The person whose condition gives rise to a claim:

1. is receiving, or on a waiting list for treatment in a hospital or nursing home; or
2. is awaiting the results of any tests or investigations; or
3. has been given a terminal prognosis

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.

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.

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.

Section	Limit (up to) – per Person(unless otherwise shown)	Excess – per Person(unless otherwise shown)
1. Loss of Deposit, Cancellation, Curtailment	cost of the holiday(maximum £6,000) per Party	£40(£15 loss of deposit) per Party
2. Medical Repatriation & Other Expenses Medical repatriation Emergency accommodation Visit by close relative Transportation of deceased Hospital inconvenience benefit Repatriation of vehicle/personal possessions Additional assistance	£25,000 £500 £500 £1,500 £25 per day/£500 in total £1,000 Reasonable costs Reasonable costs	£40 Nil Nil Nil Nil Nil Nil Nil
3. Personal Accident Death Loss of eye(s), limb(s) Permanent physical disability	£10,000 £15,000 £15,000	Nil
4. Personal Liability	£2,000,000	Nil(£100 damage to accommodation per party)
5. Personal Possessions & Personal Money Possessions Money	£1,500 £250	£40
6. Unexpected Events Travel Delay – over 6 hrs Polluted Beaches Catastrophe cover Nuisance cover	£30 £30 per day/£150 in total £1,000 £1,000	Nil

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. If you have paid the excess waiver premium, the standard excess is reduced to Nil, in the event of a claim.

All details correct as at date of print but subject to change without notice.

Premiums

• Short Break £20
• One week £29
• Two weeks £40

The cost of insurance is included within the price of your holiday.

All premiums include Insurance Premium Tax at the current rate.