Travel Insurance

Comprehensive Travel Insurance

We believe that your safety and holiday enjoyment are very important. Therefore comprehensive travel insurance is essential whenever you travel abroad. We have arranged one of the most comprehensive and competitive travel insurance policies available with AXA Insurance (UK) plc through specialist Insurance Brokers, Campbell Irvine (Tel: 01737 223 687).

Our policy includes a 24 Hour Worldwide Emergency Medical Service, staffed by experts in providing professional emergency help.

Please note that if you choose not to take our recommended insurance then we require details of your alternative policy in case we need to contact your insurers for you in an emergency whilst you are on holiday with us.

SUMMARY OF COVER

A	Medical Expenses	£5,000,000
	In Patient Hospital Benefit	£200
	Criminal injuries	£5,000
	Personal Liability	£2,000,000
B	Personal Accident	£25,000
	Permanent Loss of Sight	£25,000
	Loss of Limb(s)	£25,000
	Permanent Total Disablement	£25,000
	Death	£10,000
C	Cancellation or Curtailment	£5,000
D	Delayed Departure or Arrival	£1,000
	Hi-jack of Aircraft	£3,000
	Failure of flight connections	£150
	Interruption of Transport	£300
E	Personal Effects	£2,000
	(Valuables limited to £350)
	(Single Article limit £250)
	(Disc Collections £200)
	Money	£500
	Tickets	£1,000
	Passport and Visas	£250
F	Legal Expenses	£15,000
G	Wintersports*	Optional

*Additional wintersports cover available upon request

Single Trip Insurance Premiums

The above premiums include Government imposed Insurance Premium Tax currently at 17.5%.

Family Rate For families travelling together a special premium applies. This provides for two adults and up to four children aged 18 years or less at date of payment of insurance premium.

Child Reduction Adult premiums are reduced by 50% for children aged 18 years or less at date of payment of insurance premium, if travelling with an adult insured under this scheme.

Free Cover 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 Simpson Travel confirmation invoice.

Age 66 years or more For persons aged 66 years or more at date of payment of insurance premium, double the standard premiums apply with a maximum age of 73 years unless agreed by the Insurers.

Annual Multi Trip Insurance If you plan to travel abroad more than once a year we can offer excellent rates on our Annual Multi Trip policy. This includes free wintersports cover and allows you to travel for up to 70 days per trip without advance notice of travel being required, since you are automatically covered. Please call us for full details.

Premiums (inclusive of IPT)

*No charge for children aged 18 years or less if named on the policy. Please note that children on an Annual Multi Trip policy are automatically covered for independent travel free of charge.

Standard premiums apply for any person aged up to 65 years old, for persons aged 66 up to 69 double premiums apply. Annual cover is not available for persons aged over 69.

Conditions of annual multi-trip policy

• Up to ten weeks any single journey (31 days if aged 66 years or more)
• One single certificate covers your travel insurance needs for an entire year allowing any number of trips
• Includes up to four weeks winter sports and scuba diving cover at no additional cost
• Spouse covered if travelling independently
• No advance notice of travel required, cover is automatic for any trip.
• Please note: Cancellation cover starts immediately after your application and payment is received.
• Baggage and money discount. 20% discount if you choose not to have baggage and money cover. If you already have a household policy this may cover your personal baggage and money while you are on holiday.
• A certificate will be issued and sent to you within 7 days.
• Material facts Please remember that all material facts should be disclosed, as failure to do so may affect your rights under this Insurance. In particular you should disclose any serious medical conditions of the people travelling and others upon whose well being the trip may depend that may require treatment during a period of overseas travel, or might cause you to cancel the trip.
• War and terrorism Our policy covers acts of war and terrorism but not nuclear, chemical or biological.
• Automatic extension of cover In the event that you are prevented from returning home due to circumstances beyond your control, the policy is automatically extended for up to 31 days from the date the policy was due to expire, free of charge.
• Travel delay The travel delay section of the policy covers the return journey as well as the outbound.
• Money back guarantee Our policy offers a comprehensive 14 day money back guarantee.

IMPORTANT: Please note this is only a summary of cover, full details of the cover provided are shown on your policy document which will be sent to you upon receipt of payment of premium. Please read it carefully to ensure you have read the cover provided which includes certain terms, conditions and exclusions. Should you wish to see a specimen, a copy will be made available prior to purchase upon request. If the Insurance does not meet your requirements you may return the documentation within 14 days of receipt or prior to travel if this is sooner and, provided no claim has been made, obtain a refund.

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: 0844 892 0954

AXA Insurance UK plc and Campbell Irvine Ltd are authorised and regulated by the Financial Services Authority. This can be checked on the FSA’s register by visiting the FSA’s website at www.fsa.gov.uk/register or by contacting them on 0845 606 1234.

Data Protection Statement

Please be assured that we have measures in place to protect the personal booking information held by us. This information will be passed on to the principal and to the relevant suppliers of your travel arrangements, including airlines if they require Additional Passenger Information (API). The information may also be provided to public authorities such as customs or immigration if required by them, or as required by law. Certain information may also be passed on to security or credit checking companies.

If you travel outside the European Economic Area, controls on data protection may not be as strong as the legal requirements in this country. We will only pass your information on to persons responsible for your travel arrangements. This applies to any sensitive information that you give to us such as details of any disabilities, or dietary/religious requirements.

(If we cannot pass this information to the relevant suppliers, whether in the EEA or not, we will be unable to provide your booking. In making this booking, you consent to this information being passed on to the relevant persons.)

Please contact us in writing if you wish to see the information that we hold on you.

Full details of our data protection policy are available upon request.