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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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Important information about Villa Plus Travel Insurance
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Villa Plus Travel Insurance is valid for UK residents only.
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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 policies will be sent to you with your booking confirmation. 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
2-15 inclusive |
| 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 and under if 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.
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 wording will be sent to you with your booking confirmation or e-mailed to you. A copy can also 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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Health |
Most travel insurance policies have health restrictions in them that may exclude
any pre-existing conditions. If you are purchasing our travel insurance we want
to ensure you are provided with the best cover we can offer. Please would you answer
either 'YES' or 'NO'to the following questions:
Have you or anyone who is travelling with you
1. Ever received treatment for:
(a) a heart related condition, stroke or hypertension (high blood pressure).
(b) a breathing condition (including asthma).
(c) cancer.
(d) diabetes.
2. Been referred to a hospital or a specialist consultant for a health condition
that has:
(a) been diagnosed within the last two years.
(b) been in existence in the last two years.
(c) resulted in treatment being given in the last two years.
(d) resulted in referral to a specialist or hospital for treatment.
If you have answered 'YES' to any of the above questions we will be able to offer
some cover and may be able to cover your health condition, although an increased
excess and/or an increased premium may be required. After buying our travel insurance
you will be given a policy document showing the telephone number of our medical
helpline. You will need to contact them as soon as possible, providing details from
your booking confirmation, to see if the additional cover is available. The medical
helpline can only arrange a health check once cover has been purchased. All calls
will be treated in the strictest confidence and the decision will be confirmed to
you in writing. Should we require any additional premium and you accept our
offer, this should be paid to the medical helpline either by credit card or cheque
within 14 days of your call.
Please note:
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We are unable to provide any cover on psychological conditions such as stress, anxiety,
depression, eating disorders or mental instability. | |
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We are unable to provide cover for anything which is a result of a pre-existing
medical condition of a close relative or close business associate.
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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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