The holidays in this brochure are operated by Sportif International Ltd trading as “SPORTIF”, a fully bonded Tour Operator, licenced by the Civil Aviation Authority under ATOL NO. 2910.

CORE BOOKING CONDITIONS

Holiday Contract - Our contract with you is made whenyou ask for your holiday booking to be confirmed. All bookings are made on the basis of these core terms,relevant Information and the details on your invoice. Please see our website or call us for the complete information before you proceed. It is subject to the law where you live in the United Kingdom - jurisdiction to be agreed for non-residents. Under no circumstances do any of our agents or staff have the authority, expressly or implied, to alter or vary these conditions unless authorised to do so in writing by the company.

1. Payment for the holiday

   To confirm your holiday you will be required to pay the appropriate deposit and any other applicable supplements due at the time of booking. Please see, ‘Accommodation Only’, ‘Credit Card Charge’, ‘Late Bookings’, Tailor-made’ and ‘Weddings’. Some air-fares are booked at especially competitive rates to which the airlines may attach severe restrictions. You may be asked to pay for these in full at the time of booking and they may be non-refundable in the event of a cancellation. Details will be given at the time of booking. If you choose to pay by credit card, there will be a 2% fee added to your booking. Where travel is within 10 weeks of the booking date you will need to pay the full cost of the holiday at the time of booking, by debit or credit card. Cheques require 5 working days to clear. Cheques that will not clear at least 10 weeks before departure cannot be accepted. Once payment has been made and cleared we will forward the lead name on your booking a confirmation/invoice detailing your holiday and showing the total cost and balance due, (excluding any credit card charge), within approximately 14 days. You should check all the details shown on this invoice very carefully especially the spelling of your name which must be the same as your passport. You must inform us as quickly as possible if any of the details on the invoice are incorrect. The balance due date will also be shown on your invoice. Please note that the balance of the holiday must be paid no later than 10 weeks before departure. Failure to do this may result in your holiday being cancelled and charges made accordingly. We reserve the right to refuse the booking of, or retain any person as a client and we shall be under no liability for any extra costs incurred by such a person as a result of our action, but we will refund monies already paid to us.
   
   

2. Late Bookings

   The full balance of the holiday must be paid at the time of booking by debit or credit card if the date of departure is in 10 weeks or less. Bookings made within 15 days of travel (i.e. 14 days or less) incur a £I5 per adult/child administration charge and tickets may not be sent out by post but will more than likely have to be collected at the airport on the day of departure. It is essential that you ascertain whether or not you can obtain relevant visas and inoculations before making your booking,
   
   

3. Prices

   The holiday price as quoted at the time of booking,at which time your deposit will be taken, will be confirmed as definite, subject to surcharges as detailed below. Prices shown in our brochure, which make up the inclusive cost quoted on our final invoice, are based on special contract rates. Verbal and website price quotations will be regarded as provisional until confirmed in writing on your Confirmation Invoice. We have no control or jurisdiction over prices that may be charged at the destination for the same or similar services and can accept no responsibility or liability if these differ from those quoted therein. All prices Indicated are for guidance only. The holiday price that we confirm to you in writing at the time of booking is the price, including increases or reductions, that you will to surcharges for increases in: (i) transportation costs (e.g. fuel, scheduled air-fare and any other airline surcharges which we are obliged to pay or collect), (ii) dues, taxes or fees chargeable for services (e.g. landing taxes and embarkation/disembarkation fees); and (iii) the exchange rates applied to the particular package. Any benefits derived from decreases in these costs will be passed on to you. In the case of any small variation, an amount equivalent to 2% of the price of your travel arrangements, which excludes insurance premiums and any amendment charges, will be absorbed or retained. For larger variations this 2% will still be absorbed for increases but not retained from refunds. No price increases will be made within 30 days of departure. If you have to pay an increase of more than 10% of the price of your travel arrangements, you may cancel your travel arrangements and receive a full refund of all monies paid, except for any amendment charges. We will consider an appropriate refund of insurance premiums paid if you can show that you are unable to transfer or reuse your policy. Should you decide to cancel for this reason, you must exercise your right to do so within 14 days from the issue date printed on your final invoice. Whether you cancel or not you will also be entitled, on the terms set out in respect of major changes in section 10, to accept an offer of alternative travel arrangements from us subject to availability and compensation if appropriate. Travel arrangements are not always purchased in local currency and some apparent changes have no impact on the price of your travel due to contractual and other protection in place. The UK government have announced their intention to replace Air Passenger Duty, which is payable by all passengers on flights departing from UK airports with a new Emissions Tax, known as Aviation Duty, with effect from 1st November 2009. At this time, we are not aware of the final details of the new Duty, and prices have therefore been calculated as if Air Passenger Duty continues to be in effect. In the event that our costs increase as a result of the change, we reserve the right to adjust the prices to reflect those changes in costs.
   
   

4. Insurance
   
   YOU MUST NOT TRAVEL WITHOUT IT.

   It is a fundamental term of this contract that you are required to have appropriate and adequate travel insurance for your chosen holiday. Please ask for details of the comprehensive policy we can offer. If you intend to dive, balloon, bungy jump, go jet boating or take part in any other dangerous pastime, make sure that you have the extra cover required. All policies must include medical treatment and repatriation in the event of an accident or serious illness. If you do not take out cover under our policy, you must advise us of the details of your own insurance including the name of the insurer and the policy number as soon as possible. Our representative abroad has the right to see the policy so that appropriate advice and assistance can be given. Clients in breach of this condition will be deemed to have indemnified the company for any consequential loss incurred by the company on their behalf and such costs will be redeemable from them.
   
   

5. Your Ticket Conditions

   You accept when you travel with an air and/or a sea, train or bus carrier that their up to date approved Conditions of Travel apply, some of which may exclude or limit liability. These Conditions are often the subject of international agreements between countries, and copies of the Conditions which apply to your air, sea, train or bus travel are available on request from us. When travel & health documents (passports, visas & inoculation certificates) are required for your holiday, it is your responsibility to procure them. We cannot be held liable in any way for any failure to do so,
   
   

6. If You Change Your Booking

   If you want to change any details of your booking (e.g. transfer to a different holiday with us, departure date, airline, airport, change the number of people booked to travel, change or cancel an excursion or pre-departure special offer etc), we will do our best to help. If you or any member of your party are unable to proceed with the holiday, you can transfer the booking to a substitute person, providing they are suitable; satisfy all the conditions applicable to the original booking and are acceptable to us. Both the person taking and the person leaving the booking will be responsible for paying any additional costs arising from the transfer. We charge a minimum Amendment Fee of £45 per booking plus any non-refundable costs arising from the contract terms of our suppliers. However, if you change your booking within 56 days of departure, the cancellation charges will apply as shown below in addition to the above Amendment Fee. In the case of name changes, the applicable costs and/or cancellation charges will apply as appropriate. Important Note: Name changes and/or departure changes are not always permitted by airlines and most treat name changes as cancellations and charge accordingly. These charges will be passed on to you in addition to any other Amendment Fees. Once airline tickets have been issued any changes made to the ticket(s) may result in you having to pay for the cancelled ticket(s) and purchase a new ticket(s) at full cost. When the price is dependent on the number of people booked into the accommodation and it then varies because you wish to change that number of people, the price will be recosted based on the new party size. Any increase in price per person payable as a result of a part cancellation is not a Cancellation Charge. A separate Cancellation Charge will be levied in respect of bookings cancelled. A new confirmation invoice will be issued as appropriate, on which the Cancellation Charges will be shown.
   
   

7. If You Cancel Your Holiday

   You or any member of your party may cancel your booking, or part of it, once it has been confirmed, but the instructions will only be valid if put in writing and signed by the person who made the booking i.e. the lead name on the booking. These written instructions should sent immediately to us. To compensate us for the expense of processing your booking and for the risk that we may not be able to resell the holiday, we charge a cancellation fee on the scale shown below. The amount payable (by whoever confirmed the booking) depends on when we receive your written instructions - the more notice you give, the less we will charge. If you have to cancel for reasons covered by your insurance policy you should be able to recover your cancellation charges:
   
   

   Time before departure when cancelation instruction is received by us.	#Cancellation charge as a % of total holiday cost (excluding any insurance premiums and any amendment fees already paid to us)
   56 days or more	Loss of deposit
   55 - 29 days	50% or deposit if greater
   28 - 22 days	70% or deposit if greater
   21-8 days	90% or deposit if greater
   7 - 0 days	100% or deposit if greater

   
   In certain cases the carrier or hotelier may apply a higher cancellation charge. Please enquire at the time of cancellation.
   
   

8. Changes By Us

   There may be a change to flight timings or a hotel may close; a day-to-day tour, cruise or safari itinerary may change because of local circumstances altering the length of time spent in a town or lodge or even omitting a town or lodge due to local conditions. Cruise ships/boats may be changed without notice to ones with similar standards of facilities.
   
   

9. If We Change or Cancel Your Holiday

   It is unlikely that we will have to make any changes to your holiday, but we do plan the arrangements many months in advance. Sometimes we may have to cancel your holiday or make changes, which we reserve the right to do at any time. Most of these changes are very minor, but where they are significant/major, we will inform you when you book, or, if you have already booked, as soon as is reasonably possible if there is time before your departure. A major change is one that we make to your holiday arrangements before departure, including, but not exclusive to, changing your UK departure airport(s) (please note a change between the London airports of Gatwick, Heathrow, Stansted, London City and Luton is not classified as a ‘major change’), resort area, scheduled time of departure or return by more than twelve hours, (except as detailed below, see important note*) offering accommodation of an officially lower category, or significantly increasing the price of your holiday. Any change in the airline or the type of aircraft from that stated in the brochure/website or on your ticket does not count as a Major Change. You then have the choice of either: A. accepting our offer of a replacement holiday of a lower category (if available). If the holiday is cheaper then we will refund the difference in cost to you, B. accepting our offer of a replacement holiday of equivalent or higher quality (if available) or, C. cancelling your holiday. If you choose A or B, the least compensation we will pay you is shown on the scale below. If you choose C, we will refund you all monies you have paid us plus at least the compensation shown on the scale below. Please note that it is advisable to leave booking domestic travel arrangements, hotel accommodation, and car parking etc until final travel documents are received.
   
   

   Period before scheduled departure within which a major change is notified to you:	Compensation per person:
   70 days or more	£0
   69-29 days	£10
   28-22 days	£20
   2 I-8-days	£30
   7-0 days	£40

   
   NB Children 2-11 years of age in respect of whom reduced rates have been charged, will receive compensation on a pro-rata basis of the adult rate. Children travelling on free child places are not entitled to any compensation. No compensation will be paid to infants.
   
   * Important Note: Compensation payments do not apply to changes or cancellations caused by 3rd party resort developments, changes or
   
   cancellations to schedules by airlines, the number of persons who have booked is less than that required for the package, or any “Force Majeure “.
   
   “Force Majeure” means unusual and unforeseeable circumstances beyond our control, the consequences of which could not have been avoided even if all due care had been exercised. Such circumstances or events include (but are not limited to) war or threat of war, riot, civil strife, industrial dispute, unavoidable technical problems with transport, closure or congestion of airports or ports, terrorist activity, natural and nuclear disaster, fire, adverse weather conditions and health risks.
   
   

10. Tours

    Some tours are dependent on minimum numbers. In the case of insufficient demand we reserve the right to consolidate or cancel the tour. In this case, we will offer the same tour on a different date or an alternative holiday or a full refund. We will not make any such changes within 10 weeks of departure. If you make additional arrangements that are not included on our confirmation invoice, we are unable to refund any costs incurred by you outside 10 weeks prior to departure. We reserve the right to vary tour accommodation, itineraries and programmes. Changes to that of a similar standard will not be considered a major change.
    
    

11. Our Responsibility For Your Holiday

    We only accept responsibility for the proper performance of our obligations under this contract. We will perform such obligations with reasonable skill and care. We are not responsible for any failure that is:
    
    
    1. Attributable to you or a member of your party;
       
       
    2. Attributable to a third party unconnected with the provision of the services to you, and is unforeseeable or unavoidable;
       
       
    3. Attributable to our employees, agents, subcontractors and suppliers and their staff whilst acting outside the scope of their employment.
       
       
    4. Due to Force Majeure.
       
       
    5. Due to information, however obtained, from outside sources such as, independent third party websites.
       
       
    6. Any consequential loss not directly connected to the contract with us.
       
       
    Personal Injury (unconnected with arrangements made by us). Although we cannot accept responsibility for clients who by misadventure suffer illness, personal injury or death during the period of their holiday arising out of an activity which does not form part of the foreign inclusive holiday or excursions booked through the company, general assistance will be afforded to clients to a maximum of £5,000 per booking. Furthermore, in the event either of there being a successful claim for costs against a third party or there being suitable insurance policy/ies in force, costs actually incurred by the tour operator shall be recoverable from the clients.
    
    

12. Limitations On Our Liability

    Our liability to you for any loss or damage which you may suffer is limited to twice the price of your holiday. This excludes personal injury resulting from the nonperformance or improper performance of the services involved in the holiday, and is subject to the limitation of liability described below. Health and safety standards applicable to the services provided by us under this contract should meet the local standards applicable to your holiday destination. However you should be aware that these vary widely across the programme and may well not match those standards we enjoy in the UK. Any compensation payable by us shall be limited in accordance with the lowest limit allowed under applicable International Conventions (Warsaw Convention 1929 as amended, Montreal Convention 1999 as amended, E.C. Reg No, 2027 - 1997, EC Reg No. 889 - 2002, EC Reg No. 261 - 2004, EC Reg 2111- 2005 and EC Reg 1107 - 2006, Athens Convention 1974 (For Ships), Berne Convention (For Rail) and Paris Convention (For Accommodation) governing the services, or the amount you can recover from them under the laws of the UK or the country in which they operate. Transport operators have their own conditions of carriage, which form part of your contract with us. These conditions, and the provisions of the International Conventions, generally limit the liability of transport operators. Ask for Special Needs Form or if you develop a physical problem after booking, contact us as soon as possible.
    
    

13. Complaints

    If you have a complaint you must tell our Service Representative, local agent, the accommodation management or the airline staff immediately. If we cannot resolve the problem at the resort or during your flight, you must write within 35 days of your return from holiday to us at Fleets Spatham Lane, Ditchling, East Sussex BN6 8XL or email us at info@sportif.travel If you do not tell us about your complaint, our ability to investigate it could be seriously hampered, and we will not deal with it unless there is a valid reason why you didn’t inform us. You can, of course, pursue your claim elsewhere. Disputes about your holiday that we cannot settle can be referred to arbitration under a special scheme administered by the Chartered Institute of Arbitrators. The scheme provides a simple and cheap method of arbitration based on documents alone. It does not apply to claims over £5,000 per person or £25,000 per booking form. A limit of £1,000 per person applies to any part of a claim for personal injury or illness. You must apply for arbitration within nine months of your return from holiday, but in special circumstances it may be offered outside this period. Information regarding complaints may be shared with other tour operators.
    
    

14. Disorderly Behaviour

    We reserve the right to terminate without notice the holiday arrangements of any client whose behaviour is such that it is likely in our opinion to cause distress, damage, danger or annoyance to our customers, employees, agent’s property or a third party. Furthermore, if you are prevented from travelling because, in the opinion of a person in authority, you appear to be unfit to travel or cause distress or discomfort to other passengers, then our responsibility for your holiday ceases. No refunds will be given. We have no control over the behaviour of other people staying in or visiting your holiday accommodation. Your accommodation is provided solely for the use of passengers shown on the final Confirmation Invoice as confirmed by us; subletting, sharing or assignment is prohibited. We expressly reserve the right to prevent you from participating in the excursions we provide, whether pre-booked or purchased in resort, if in the reasonable opinion of our staff or those of the excursion provider, you are either unsuited to undertake the excursion, or if you appear to be under the influence of drugs or alcohol. In these circumstances your sole remedy against us will be to obtain a refund of the cost of that excursion
    
    

15. Your Financial Security

    The air holidays and flights in this brochure are protected by ATOL. When you buy an ATOL protected air holiday package or flight from us, you will receive a Confirmation Invoice from us confirming your arrangements and your protection under our Air Travel Organiser’s Licence number 2910. In the unlikely event of our insolvency, the CAA will ensure that you are not stranded abroad and will refund any money you have paid to us for an advance booking. If you buy arrangements other than a package holiday this financial protection does not apply. For further information, visit the CAA website at www.atol.org.uk
    
    

16. Brochure/Website Validity

    We published this brochure/website in September 2009 and the details and prices contained in it are valid from then until publication of any revised edition, or we inform you of different prices. Prices were accurate at the date of publication, but could have changed since then. All prices quoted are calculated on exchange rates as at 30Sep09 (US$1.6, Euro 1.09). Holidays in this brochure/website operate from 01 November 2009 to 31 January 2011.
    
    

HOW TO BOOK YOUR SPORTIF HOLIDAY

1. Call Sportif International on 01273 844919.



2. We will help and advise you choose the holiday that most fits your needs. Any questions no matter how technical, will be answered by an expert in your particular sport.



3. Once you have established the holiday of your choice, fill out the booking form supplied by Sportif International. Download the booking form from HERE.



4. Make sure you fill out all the details on the booking form especially if you plan on taking equipment, hiring equipment or if you require instruction courses.



5. After Sportif International has received your booking form a confirmation invoice will be sent to you, outlining a breakdown of costs of your selected holiday.



6. A deposit of £180 plus your insurance premium is required when you confirm your holiday and final payment is required 8 weeks prior to departure. Payment can be made by cheque, Visa or Access.



7. After you have paid the final amount Sportif International will despatch your tickets 2-3 weeks prior to the date of departure.

HEALTH AND VACCINATIONS

There are no official requirements for most of the countries in this brochure. We would recommend that you obtain up-to-date information from your doctor, the DHSS or contact Sportif International as the regulations are liable to change at short notice.

PASSPORTS AND VISAS

For a holiday abroad you will need a full 10 year Passport with a minimum of 6 months validity to all countries of the world. Make sure that it is valid for the duration of your holiday and for the country you are visiting. You need it for exchanging travellers cheques and currency. Some countries also require travellers to have Visas and, unless stated to the contrary under the resort information, it is the responsibility of the clients to ensure that they obtain these in good time before their date of travel. It is the responsibility of all passengers to ensure that they comply with all the immigration requirements for the country to be visited. We can accept no liability for clients who have insufficient or incorrect documentation. All the above applies to British passport holders. Other nationalities must check with the relevant consulates in the UK.

TRAVEL INSURANCE

We have arranged a Travel Insurance Policy especially designed for your personal protection when on holiday with Sportif. This policy is insured through ETI – International Travel Protection Ltd in conjunction with N.J.Heritage Partnership Ltd.

Policy Helpline 01702 552858

It is a fundamental condition that you have appropriate and adequate travel insurance for your chosen holiday. Below is a summary of the cover arranged by NJ Heritage Partnership Ltd and underwritten by ETI– International Travel Protection. If you decide not to take our insurance, please provide us with details of comparable cover.

SINGLE TRIP POLICY

	Red Sea & Europe	Worldwide (excluding USA/Caribbean)	Worldwide (including USA/Caribbean)
10 Days	£16	£32	£37
17 Days	£18	£36	£44
24 Days	£24	£40	£52
31 Days	£26	£44	£55

Notes: Child 0-2 yrs FREE when travelling with an insured adult. Child 3-18 yrs 50% discount when travelling with an insured adult.

SECTION	LIMIT (GBP)	EXCESS (GBP)
Cancellation and Curtailment	Up to £ 5,000	£80 (£25 Loss of deposit)
Medical Expenses Including emergency assistance services	Up to £7,000,000	£80
Hospital Benefit	£25 per day up to £200	Nil
Baggage and Passport Single Item Limit Valuables Limit in total Travel Documents Delayed baggage	Up to £1,500 £250 £250 Up to £250 Up to £250 (£50 per day)	£50 Nil
Personal Money & Documents Cash Limit Cash (aged under18)	Up to £500 £250 £100	£50
Travel Delay	£25 for first 12 hour period and £25 for each subsequent 12 hours up to £400	Nil
Holiday Abandonment	Up to £5,000	£80
Hijack	£100 per day up to £1,000	Nil
Missed Departure	Up to £1,000	£50
Personal Accident Permanent Total Disablement (under 66) Loss of limb or sight (under 66) Death (over 18 and under 66) Death (under age18/ over 65) All benefits (66 years and over)	Max Benefit £20,000 £20,000 £20,000 £10,000 £5,000 £5,000	Nil
Personal Liability	Up to £2,000,000	£200
Legal Expenses	Up to £20,000	£200
Catastrophe Cover	£ 1,000	£50
Schedule Airline Failure	£ 2,000	£50
Dynamic Packaging Protection	£ 2,000	£50

ANNUAL POLICY

	Red Sea & Europe	Worldwide
Individual	£59	£76
Couple	£84	£114
Family	£101	£131

Notes: Family definition – 2 adults plus any number of their dependent children under 19 yrs or under 21 if in full-time education and living in the same household. *Includes Scuba diving up to maximum 30m (subject to your diving qualifications) provided you are diving under the direction of an accredited dive marshal, instructor or guide. Alternatively, if qualified, within the guideline of the relevant diving or training agency or organisation and you are not diving alone. You will not be covered under this policy if you travel by air within 24hrs after participating in Scuba Diving. Diving up to maximum 40m available at a supplement on request. Above premiums available for persons up to 65 years. Supplement for persons 66 years + available on request.

HEALTH CONDITIONS APP LYING 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:

1. disorder of the blood such as clotting, bleeding or anaemia
2. any form of stroke
3. Any form of cancer, leukaemia or tumour
4. a transplant or dialysis treatment
5. any psychiatric illness, stress, depression, anxiety or dementia
6. 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.

Travel Insurance - Important Notice

Your travel insurers would like to bring to your attention some of the important features of your travel insurance policy.

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.

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.

Health Your policy contains restrictions regarding pre-existing medical problems concerning the health of the people travelling and of other people upon whose health the trip may depend. You are advised to read the policy carefully.

Dangerous Sports or Pastimes If you are taking part in activities that present a risk of injury, including water sports, check that your policy covers you.

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.

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.

Policy Excesses Claims under certain Sections of the Insurance Certificate will be subject to an excess. Where there is an excess, You will be responsible for paying the first part of a claim

Reasonable Care You need to take all reasonable care to protect yourself and your property.

Complaints Your insurance policy will have in it a complaint procedure which tells you what steps you can take if you wish to make a complaint.

Cooling Off Period Your policy may have a cooling off period during which you can return 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 in the country that you reside in within the British Isles unless you and your Insurers have agreed otherwise.

The person selling you the travel insurance or insurance documentation, will identify your insurer.

If you would like more information, you should ask the person selling the travel insurance, particularly if you feel that the insurance may not meet your needs.

This document is not a substitute for your policy. Please make sure you read your policy carefully.

Call us now 01273 844919
to talk direct to one of our friendly staff and put together the holiday you always wanted.

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