The above premiums include Government imposed Insurance Premium Tax, currently at 17.5%. Valid for policies issued up to 31 December 2007.
Family Rate - For families travelling together a special premium applies. This provides for two adults under 66 years and up to four children aged 18 years or less.
Child Reduction - Premiums are reduced for children aged 18 years or less at the time of booking, if travelling with an insured adult insured under this scheme.
Free Cover - Infants under two. Infants aged under two at departure can be included, free of charge, if travelling from departure point with a parent insured under this scheme - so long as their name is included on the validation certificate.
Age 66 years or more - For persons aged 66 years or more at the time of arranging insurance double the standard rates apply.
ABI Code of Practice:
Before you purchase this insurance we are requested to bring to your attention a number of important aspects concerning this travel insurance.
Health
The Insurance contains conditions that relate to your health and that of others not necessarily travelling with you but upon whose well being the trip may depend. In particular, pre existing medical problems are not covered unless the Medical Helpline is contacted on: 0870 906 3140
Conditions, Exclusions and Warranties
These limit or restrict the cover provided. Some apply to all sections of the insurance whilst others only apply to specific sections.
Claims for Personal Baggage
This Insurance does not provide cover on a 'new for old' basis, which means that deductions for age, wear and tear will be made where appropriate.
Sums Insured or Limits
All sections of the Insurance have a limit on the amount the Insurer will pay. Some sections have internal limits such as the amount the Insurer will pay for any one item or the amount of all valuables (including photographic equipment)
Excesses
Under most sections of the Insurance, claims will be subject to an excess of £50. This means you will be responsible for paying part of the claim.
Reasonable Care
You are required to take all reasonable care of yourself and your property and to act at all times as though you are not insured.
Policy Document
This contains the full details of what is and is not covered. Please read it carefully to ensure you understand the cover provided. Should you wish a specimen, a copy will be made available prior to purchase upon request.
Complaints
This Insurance contains a procedure which you should follow if you wish to make a complaint.
Date Recognition Failure
The Insurance contains an exclusion for some losses arising from the failure of equipment to correctly recognise the calendar date, such as the change to the year 2000.
High Risk Activities
The Insurance may not cover you when you take part in certain activities not organised through Wildlife & Wilderness. You must check that the Insurance covers your requirements.
"Cooling Off Period"
If the Insurance does not meet your requirements you may return the documentation within 14 days of the purchase or prior to travel if this is sooner and, provided no claim has been made, obtain a refund.
Jurisdiction
The Insurance will be subject to English Law unless otherwise agreed.
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