For your security and peace of mind we have very competitive travel insurance arranged through Spencer Moray Limited, underwritten on behalf of a consortium of insurers by Travellers Protection Services Limited, which is only available to clients booking holidays detailed within this brochure. The premium must be paid at the time of payment of deposit to ensure cancellation cover is in force. The insurance document will be forwarded to you upon payment of the premium. The policy may be inspected at our office.

The full terms, conditions and exclusion clauses are incorporated within the insurance document, which alone constitutes the contract of insurance between you, the holidaymaker and the Underwriting Agents. In the event of a dispute as to the interpretations to the terms and conditions of this insurance, the terms and conditions of the insurance documents alone shall prevail. Shown here in brief details only. This insurance is subject to English Law.

1. Whilst this insurance is not subject to a health warranty, Underwriting Agents shall not be liable for claims WHERE AT THE TIME OF TAKING OUT THIS INSURANCE the person whose condition gives rise to a claim;
(i) is suffering from any previously diagnosed psychiatric disorder, or
(ii) is receiving, or on a waiting list for, in-patient treatment in a hospital or nursing home, or
(iii) anyone being more than 26 weeks pregnant by the time you return from the trip

(v) has been given a terminal prognosis, or

 Pre Existing Medical Conditions If In Doubt Phone 0870 744408

The limits of coverage are:
Cancellation & Curtailment UP to £1,500
Medical Expenses  UP to £5,000,000
Includes 24 hour medical service
Hospital benefit  UP to £400
Delayed Baggage UP to £200
Personal Money  UP to £400
Personal Property  UP to £1,500
Personal Liability UP to £2,000,000
Personal Accident UP TO £15,000
Passport Indemnity UP to £250
Delayed Departure (not U.K. holidays) UP to £1500
Legal Expenses UP to £10,000
Repatriation (U.K. only) UP to £1,000
Homeplan  UP to £100 materials & 3 hrs labour

Excesses:
All sections, except Personal Accident, Hospital Benefit, Loss of Passport, Missed Departure, Legal Expenses and Personal Liability are subject to a £45 excess, per person, per claim. For cancellation claims a NIL excess applies for holidays up to 3 days, a £45 excess applies for holidays over 3 days costing up to £300 and a £45 excess applies for all holidays over 3 days costing over £300. Deposits £10 excess.

PLEASE NOTE: Loss of deposit and cancellation cover applies only from the time Insurance is purchased and a certificate is Issued and does not apply to any claim where the condition giving rise to the claim occurs, or is known about, prior to the issue of the certificate, unless previously declared to and accepted by the Underwriting Agents.

Under the Association of British Insurers General Code of Practice we must draw your attention to a number of important features of this insurance. PLEASE READ THESE FEATURES AND THE WHOLE OF THE DOCUMENT CAREFULLY. If the insurance does not meet your requirements please return it to the issuing Agent or Brokers within 14 days of issue but before departure date.