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Travel Insurance |
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Insurance is something that you take on holiday but hope never to have to use. If you are unfortunate and have to use it, you want to be sure that the policy you have is suitable for the situation.
In order to protect you, we have arranged a comprehensive insurance policy.
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Villa Plus Insurance Benefits:
– Simple to understand
– Easy to arrange
– Outstanding value
– Cover to suite your personal requirements
– No upper age limits
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Important information about Villa Plus Travel Insurance
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Villa Plus Travel Insurance is valid for UK residents only.
Villa Plus are appointed representatives of Milsom Howard Ltd.
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We have arranged special travel insurance that is underwritten by the United Kingdom branch of Union Reiseversicherung AG, and arranged by Milsom Howard limited. A summary of the cover is shown below. Full details of the policies, showing terms, conditions and exclusions are available on request. A copy of the policy can be downloaded by clicking here. Our policies provide up to the following:
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Cancellation |
up to our final invoice cost (maximum of £2,000) |
Departure delay |
£20 after 12 hours delay
£10 after each subsequent 12 hour delay (max £100) |
Abandonment after 12 hours |
up to our final invoiced cost (maximum £2,000) |
Missed departure |
up to £800 |
Personal possessions |
up to £1,000 maximum per item: £250 total of valuables: £250 |
Delayed possessions |
up to £150 if your possessions are delayed by more than 12 hours from arrival at your resort |
Personal money |
up to £150 |
Loss of travel documents |
up to £250 for travel and accommodation costs necessary to replace your lost travel documents |
Emergency medical expenses |
up to £2,000,000 (includes 24 hour emergency assistance) |
State hospital benefit |
£10 per day, up to maximum of £300 |
Curtailment charges |
up to our final invoiced cost (maximum £2,000) |
Legal advice & expenses |
up to £10,000 |
Hijack & Mugging |
£50 per day, up to a maximum of £250 |
Personal liability |
up to £1,000,000 |
Personal accident |
Death : £15,000 Loss of Limbs : £15,000 |
Policy excess: You will have to pay £40 for any claim for cancellation (reduced to £25 when your claim is for loss of deposit only), abandonment, curtailment, or emergency medical expenses. You will have to pay the first £50 of any claim for personal possessions. You will have to pay the first £100 of any claim for personal liability.
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| PREMIUMS |
FAMILY
POLICY |
ADULTS
*(Up to 65) |
CHILD
2-18 inclusive
(Travelling with an adult insured by Villa Plus) |
| UP TO 10 DAYS |
£58 |
£20 |
£12 |
| UP TO 17 DAYS |
£69 |
£25 |
£13 |
| UP TO 23 DAYS |
£75 |
£31 |
£15 |
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* PREMIUMS ARE DOUBLE IF AGED 65 OR OVER *
Family = 2 parents/guardians aged 64 and under and up to 4 of their children (including foster children) aged 2- 18, dependent children living at home in full time education. Infants under 2 are covered free provided an insured adult accompanies them.
All premiums include Insurance Premium Tax at the current rate.
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ARRANGING YOUR OWN TRAVEL INSURANCE ?
You are welcome to arrange your own insurance policy as long as it provides similar or better cover
than ours. If you arrange your own insurance please ensure that you take the policy with you and know what the procedures are in the event of an emergency.
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Union Reiseversicherung AG are authorised in Germany by BaFin and regulated in the United Kingdom by the Financial Services Authority.
Villa Plus are appointed representatives of Milsom Howard Ltd.
Milsom Howard Limited are authorised and regulated by the Financial Services Authority.
TRAVEL INSURANCE - IMPORTANT NOTICE
Before you purchase this insurance we are required to bring to your attention a number of important aspects:
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Policy document |
You should read the document carefully. It gives you full details of what is and what is not covered and the conditions of the cover. Cover will vary from policy to policy and insurer to insurer.
A copy of the policy can be downloaded by clicking here.
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Conditions, exclusions & warranties |
Conditions and exclusions will apply to individual sections of your policy while general exclusions, conditions and warranties will apply to the whole of your policy.
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Medical expenses |
Your policy does not provide private health treatment unless specifically approved by the emergency assistance service. You should carry an EHIC (European Health Insurance Card) or equivalent and use this at state facilities when travelling within the European Union.
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Disclosure of pre-existing medical conditions |
Your policies may not cover claims arising from your pre-existing medical conditions so you need to tell us of anything you know that is likely to affect our acceptance of your cover.
Pre-existing medical conditions – so that we can ensure you are provided with the best cover we can offer, please read the following questions carefully :
1. Have you, or anyone traveling with you, ever had treatment for :
 any heart or circulatory condition. |
| a stroke or high blood pressure. |
| a breathing condition (such as asthma). |
| any type of cancer. |
| any type of diabetes. |
2. In the last few years – have you, or anyone who is traveling with you, been treated for any serious or re-occurring medical condition, asked to take regular prescribed medication, or referred to a specialist or consultant at a hospital for tests, diagnosis or treatment?
If you have answered 'Yes' to any of the above questions you must tell us, we may be able to offer some cover and may be able to cover your medical condition, although an increased premium may be required. To enable us to consider your medical condition please contact Travellers HealthCheck on 08456 582 999. This will be charged as a local call from wherever you are calling in the United Kingdom. All calls will be treated in the strictest confidence.
3. You must also tell us if :
| you are waiting for tests or treatment of any description. |
| your doctor alters your regular prescribed medication. |
You need to keep copies of all letters we send you for future reference. Your failure to disclose material facts may mean that your policy will not cover you and it may invalidate it altogether. We reserve the right to charge an increased premium, decline, withdraw, increase the policy excess, cancel or restrict cover for any person where the facts disclosed are considered unacceptable to us.
Should we require any additional premium, and you accept our offer, this should be paid to Travellers HealthCheck either by credit card or cheque, made payable to URV, and sent within 14 days of receipt. Should you decide not to pay the additional premium the declared medical condition will not be covered. Full confirmation of our terms and conditions will be sent to your address after your call. Any additional medical conditions not declared to us will not be covered.
Any terms and conditions declared under this policy will also be recorded under your travel insurance policy so that you do not need to declare these twice.
Please note:
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We are unable to provide cover on psychological disorders such as stress, anxiety, eating disorders or mental instability. | |
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We are unable to provide cover for any pre-existing medical condition affecting a close relative or business associate.
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Change in medical condition or ongoing medication |
If your health or your ongoing medication changes between the date the policy was bought and the date of travel you must advise Travellers HealthCheck on 08451 300 340 as soon as possible. We will advise you what cover we are able to provide after the date of diagnosis. We reserve the right to increase the premium, increase the excess, exclude the condition or withdraw the cover should the stability of the condition make it necessary.
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Hazardous Activities |
If you are taking part in activities that present a risk or injury, including scuba diving and water sports, check that your policy covers you.
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Property Claims |
These claims are paid based on the value of the goods at the time you lose them, and not on a 'new for old' or replacement cost basis, unless otherwise stated in your policy. Your policy will set out what proof the insurer needs to support a claim.
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Policy Limits |
Most sections of your policy have limits on the amount the insurer will pay under that section. Some sections also include other specific limits, for example: for any one item or for valuables in total. You are advised to check your policy if you intend taking expensive items with you.
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Policy Excesses |
Under most sections of the policy, claims will be subject to an excess. This means that you will be responsible for paying the first part of the claim. The amount you have to pay is the excess. You may be able to pay an additional amount to remove the standard policy excess.
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Reasonable Care |
You need to take all reasonable care to protect yourself and your property, as you would if you were not insured.
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Fraud |
The making of a fraudulent claim is a criminal offence. Your insurer may be recording details of claims on an anti-fraud register.
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Complaints |
We set ourselves high standards, if you are not satisfied with the insurance policy, please refer to the policy wording which contains full details of the complaints procedure.
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Cooling Off Period |
Your policy will have a 'cooling off' period during which you can cancel the policy and get a refund, if you have a justifiable reason for being dissatisfied with the cover it provides.
Your policy is governed by the law of England and Wales unless you and your insurers have agreed otherwise. If you would like more information, ask the person selling the travel insurance, particularly if you feel the insurance may not meet your needs.
These details are not a substitute for your insurance policy.
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Please make sure you read your policy carefully. [Download policy document]
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