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It is important that everyone travelling with
PGL has holiday insurance. Experience has
INSURANCEPREMIUMSPERCHILD
shown that standard policies do not cover all
DURATION UK& EURESIDENT RESIDENT
our activities, e.g. motorsports, abseiling and
EIRERESIDENT OUTSIDEEU
rifle shooting. For your protection, therefore,
we have arranged a special policy with Union
7 night or longer UK holiday £36 £47 £60
Reiseversicherung AG. PGL insurance includes
4 night UK holiday £26 £32 £41
the following benefits as long as claims fall 3 night UK holiday £19 £25 £31
within the terms and conditions of the policy:
French Holidays £43 £55 £59
• Cover for all activities organised by PGL.
• Personal accident up to £25,000. Some
pack (lessons, lift pass and ski school) in premiums. One premium will cover two or
benefits are reduced for under 16s.
winter (both up to a maximum of £240). more consecutive holiday weeks per child.
• Medical and other expenses up to
• Delay compensation, up to the invoice Non consecutive weeks require separate
£5 million for overseas holidays and up to
total for abandonment of overseas premiums. Most of the above sections are
£10,000 (other expenses only) for the UK.
holidays. Compensation after 12 hours subject to £25 excess (up to £100 excess for
• Cancellation charges up to the cost of the
delay is £20. legal expenses). Please read the Key
holiday (maximum £1,000).
Insurance Facts on this page.
• Luggage up to £1,500. Single item £250.
Full details of our insurance cover can be
Valuables limit £250.
found on our website or can be sent to you Clients not purchasing our insurance will be
• Personal money up to £100 for under 16’s.
upon request. asked to complete an Insurance Indemnity
• Personal liability up to £1 million.
Form issued on the advice of ABTA.
• Curtailment of activities at £20 per day in
Please note that cancellation cover comes
summer or a pro rata refund of the ski
into force when you pay the appropriate
to impose terms. You will receive Complaints: The insurance policy includes a
confirmation in writing of their decision. Complaints Procedure which tells you what
Conditions,Exclusions&Terms:Conditions
steps you can take if you wish to make a
and exclusions will apply to individual
complaint.
Wewouldliketoexplainsomeofthe
sections of your policy while general DangerousSportsorPastimes: If you are
definitionsandfeaturesofourinsurance
exclusions, conditions and warranties will going to take part in dangerous sports or
coverforyou.
apply to the whole policy. pastimes where there is a risk of injury,
Coolingoffperiod: Your policy contains a 14
PropertyClaims: These claims are paid
check that your policy covers you. All
day cooling off period, during which you can
based on the value of the goods at the time
activities officially organised and
cancel the policy and get a refund, if you
you lose them and not on a “new for old” or
implemented by PGL are covered.
have a justifiable reason for being
replacement cost basis. PolicyDocument: This gives full details
dissatisfied with the cover it provides. PolicyLimits:Most sections of the policy have
of what is not covered and conditions of the
Pre-existinghealthconditions: If any
limits on the amount the insurer will pay under
cover. A copy will be sent to you on booking,
participant, or any other person on whom
that section. Some sections also include other
or earlier on request.
the travel plans depend, has ever had
specific limits, for example for any one item or Law: The Insurance Policy will be subject to
treatment for any heart condition or
for valuables in total. You are advised to check the law of England and Wales unless
circulatory condition, a stroke or high blood
your policy if you intend taking expensive items otherwise agreed.
pressure, any breathing condition (including
with you, which we advise against.
asthma), any type of cancer, any type of PolicyExcesses: Under most sections of the
Pleaseensureyoureadyourinsurance
diabetes, any psychological condition, any policy claims will be subject to an excess.
policycarefully.Failuretocomplywiththe
existing injury or other serious or recurring This means that you will be responsible for
termsandconditionsofthepolicymay
medical condition, any condition requiring paying the first part of the claim. The
resultincoverbeingrestricted.
long term, prescribed medication or if you or amount you have to pay is called the excess.
they are receiving or awaiting investigation
PGL are an Appointed Representative of Fogg
for any medical condition, you must advise
ReasonableCare: You need to take all Travel Insurance Services
the insurers via PGL to see if additional
reasonable care to protect yourself and your Limited who with the
cover is available. Insurers reserve the right
property as if you were uninsured, otherwise Insurers are authorised and
your claim may be refused. regulated by the Financial
Services Authority.
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