|
Stevenage Group Travel This site was updated on the 4th March 2010
|
|
Theatres Chambers Coaches Stevenage Wheel Chair Accessible Coach
|
STEVENAGE GROUP TRAVEL
TRAVELLERS CHOICE
*** PREMIER COVER ***
Valid for issue from 14 September 2009 to 30 September 2010 (Last departure date 30 September 2011)
Underwritten by
ETI International Travel Protection (Approved by the Financial Services Authority)
Arranged by
N J Heritage Partnership Limited (Authorised and regulated by the Financial Services Authority)
308 314 LONDON ROAD HADLEIGH, BENFLEET ESSEX SS7 2DD
Telephone: 0844 826 2727 Facsimile: 0844 826 2728 email: jeanh@njhinsurance.co.uk
CONTACTS: JEAN HERITAGE SUE CLARKE
CONTENTS RATES TO STEVENAGE GROUP TRAVEL SUMMARY OF COVER HAZARDOUS PURSUITS LIST HEALTH CONDITIONS
PREMIER RATES 2009/10 NET TO N J HERITAGE INCLUDING IPT SINGLE TRIP
RATING NOTES :
PREMIER RATES 2009/10 NET TO N J HERITAGE INCLUDING IPT
(MAXIMUM 31 DAYS ANY ONE TRIP)
RATING NOTES :1. Maximum age at date of issue:
Up to 65 years of age - Above rates. 66-74 years of age - Europe - 200% above rates. 66-74 years of age - Worldwide - 250% above rates.
2. Baggage & Money removal - 10% discount off above rates. 3. Family Definition - 2 Adults plus any number of their dependent children under 19 years of age or under age 21 if in full-time education living in the same household. 4. Hazardous Pursuits - Additional Premiums and cover as per list. 5. Territorial Limits - Europe: UK, Isle of Man, Eire, Channel Isles, Europe (west of Urals), plus all countries with a Mediterranean coastline (excluding Libya and Lebanon).
NB: UK travel must have at least 2 nights pre-booked accommodation.
6. Excess Waiver - Not applicable. 7. Pre-existing Medical Conditions - Additional Premiums may be required subject to medical screening.
TRAVELLERS CHOICE 2009/10 PREMIER COVER
SUMMARY OF COVER
Hazardous Pursuits
Hazardous Pursuits Grade 1 No additional charge You are covered under the Personal Accident, Personal Liability (unless otherwise specifically excluded under this section) and the Medical Expenses Sections for the following activities automatically, provided that the activity is on an Incidental basis. You do not need to contact your issuing agent.
Hazardous Pursuits Grade 2 50% Loading to cover all activities You can be covered under the Personal Accident and Medical Expenses Sections for the following activities, provided that the activity is on an Incidental basis (unless stated otherwise below) and subject to an additional premium being paid and shown on the validation certificate. Medical Excess Personal Accident sum insured Personal Liability increased to £320 reduced by 50% Cover is Excluded
Hazardous Pursuits Grade 3 100% Loading to cover all activities You can be covered under the Personal Accident and Medical Expenses Sections for the following activities, provided that the activity is on an Incidental basis (unless stated otherwise below) and subject to an additional premium being paid and shown on the validation certificate. Medical Excess Personal Accident sum insured Personal Liability increased to £650 reduced by 50% Cover is Excluded
Hazardous Pursuits Grade 4 200% Loading to cover all activities You can be covered under the Personal Accident and Medical Expenses Sections for the following activities, provided that the activity is on an Incidental basis (unless stated otherwise below) and subject to an additional premium being paid and shown on the validation certificate. Medical Excess Personal Accident sum insured Personal Liability increased to £650 reduced by 50% Cover is Excluded
HEALTH CONDITIONS APPLYING TO THIS CERTIFICATE
Unless You are screened and approved by Our Health Check line (see below) this insurance policy contains health restrictions that apply to the cover provided under the cancellation, Curtailment and Medical sections of this insurance (see the exclusions applying to Sections A & B). This policy will not pay for any claims arising from pre-existing medical conditions or if You (meaning anybody insured by this policy) are awaiting or undergoing treatment or You are undergoing or awaiting any medical investigations or consultation with a specialist or awaiting diagnosis or tests results or treatment.
With respect to Cancellation cover this exclusion applies to Your state of health at the time You applied for this insurance and the policy was issued. With respect to Curtailment cover and Medical cover We will only pay for claims that arise from a new injury or illness that first happens after You have started the insured trip. If You do suffer a new injury or illness after taking out this insurance but before starting Your trip (this is known as a change in circumstance) You will only be covered by the Cancellation section of this policy and will not be able to have the condition covered for Medical or Curtailment expenses as this will be deemed to be an excluded pre-existing condition.
We may in the light of such changed circumstances not be able to continue cover under sections A and B of this insurance. If this is not acceptable to You, We will cover You for any loss of deposit or cancellation charges You have necessarily incurred up to the date of the change of circumstances that are normally covered under Section A of this insurance. In these circumstances no Policy Excess will be applied.
We may in certain circumstances be able to provide You with cover for pre-existing conditions or change in circumstances and You will see on the policy details of how to contact Our Health Check line. This service allows You to declare pre-existing conditions to Us, and they will be able to advise You if the condition can be covered by this insurance and what terms may be applied. Please note that We cannot guarantee to be able to offer cover for all conditions, and if the terms made available to You are unacceptable You will be able to cancel this policy and obtain a refund of Your premium provided You have not already travelled or made a claim and You contact Us within 14 days of the policy issue date or within 7 days of the change in circumstance. If You do not contact the Health Check line on 0844 826 2700 (this service is available between 9.00am to 5.00pm Monday to Friday and Saturday 10.00am to 4.00pm) Your pre-existing conditions will not be insured by this policy.
You must be able to agree to the following declaration that applies to You and to anyone Your travel arrangements may depend on such as a Close Relative or Business Associate or travelling companion. If You have an annual policy this declaration applies every time You book a trip.
For You or anyone travelling with You, as far as You know the following apply: (a) Nobody is waiting for an operation, hospital consultation or any other hospital treatment or investigations including the results of a routine test. (b) Nobody has been seen by a specialist or been admitted to a hospital overnight in the last twelve months. (c) Nobody has any breathing or heart problem (including angina) or high blood pressure which has needed treatment (including regular medication) in the last twelve months. (d) Nobody has received treatment, including regular medication, in the last 12 months for any of the following: disorder of the blood such as clotting, bleeding or anaemia any form of stroke Any form of cancer, leukaemia or tumour a transplant or dialysis treatment any psychiatric illness, stress, depression, anxiety or dementia any other pre-existing and on-going medical condition that has required regular medication. (e) Nobody has been diagnosed by a registered doctor as having a terminal condition (f) I do not know of any reason why the trip is likely to be cancelled or cut short or of any facts that may cause a claim on this insurance.
If after taking out this Insurance You become aware of any circumstances that may give rise to a claim such as changes in Your health or that of a person on whom this insurance may depend (e.g. a Close Relative) You must contact Us and tell Us about the changes as soon as reasonably possible and prior to any trip.
We may in the light of such changed circumstances not be able to continue cover under sections A and B of this insurance. If this is not acceptable to You, We will cover You for any loss of deposit or cancellation charges You have necessarily incurred up to the date of the change of circumstances that are normally covered under Section A of this insurance. In these circumstances no Policy Excess will be applied.
Please note that You must contact Us promptly regarding the change and are responsible for all costs incurred in obtaining any medical reports required by Us. If You do not contact Us within 7 days of the change of circumstance, You will be responsible for any increased costs incurred as a result of the delay in cancelling Your trip and We will only pay the costs that would have applied had You cancelled Your trip within 7 days of the date of the change of circumstances giving rise to the claim. For advice and assistance, please contact the Health Check line.
| |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||