It is important that everyone travelling with PGL has holiday insurance. Experience has shown that standard policies do not cover all our activities, e.g. motorsports, abseiling and rifle shooting. For your protection, therefore, we have arranged a special policy with Union Reiseversicherung AG. PGL insurance includes the following benefits as long as claims fall within the terms and conditions of the policy:
• Cover for all activities organised by PGL
• Personal accident up to £25,000
• Medical and other expenses up to £5 million for overseas holidays and up to £10,000 (other expenses only) for the UK
• Cancellation charges up to £5000 (£1,000 UK trips)
• Luggage up to £1,500. Single item £250. Valuables limit £250
• Personal money up to £500 (£200 for under 18’s)
• Personal liability up to £1 million
• Curtailment of activities at £20 per day (up to a maximum of £240)
Full details of our insurance cover can be found on our website or can be sent to you upon request.
Please note that cancellation cover comes into force when you pay the appropriate premiums. Some of the above sections are subject to £50 (£35 UK) excess (up to £250 excess for legal expenses). Please read the Key Insurance Points statement that follows.
Clients not purchasing our insurance will be asked to complete an Insurance Indemnity Form issued on the advice of ABTA.
UK holidays: UK resident £20, EU resident £28, Non-EU resident £38
French holidays: UK resident £25, EU resident £28
DEFINITIONS AND FEATURES
We would like to explain some of the definitions and features of our insurance cover for you.
Cooling Off Period Your policy contains a 14 day 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.
Pre-existing Health Conditions If any participant, or any other person on whom the travel plans depend (eg. close relative), has ever had treatment for any heart condition or circulatory condition, a stroke or high blood pressure, any breathing condition (including asthma), any type of cancer, any type of diabetes, any psychological condition, any existing injury or other serious recurring medical condition, any condition requiring long- term, prescribed medication or if you or they are receiving or awaiting investigation for any medical condition, you must advise the insurers directly to see if additional cover is available. Insurers reserve the right to impose terms. You will receive confirmation in writing of their decision.
Conditions, Exclusions & Terms Conditions and exclusions will apply to individual sections of your policy while general exclusions, conditions and terms will apply to the whole policy.
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.
Policy Limits Most sections of the 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, which we advise against.
Policy Excesses Under some 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 called the excess.
Reasonable Care You need to take all reasonable care to protect yourself and your property, as if you were uninsured, otherwise your claim may be refused.
Complaints The insurance policy includes a Complaints Procedure which tells you what steps you can take if you wish to make a complaint.
Dangerous Sports or Pastimes If you are going to take part in dangerous sports or pastimes where there is a risk of injury, check that your policy covers you. All activities officially organised and implemented by PGL are covered.
Policy Document This gives full details of what is not covered and conditions of the cover. A copy will be sent on booking, or earlier on request.
Law The Insurance Policy will be subject to the law of England and Wales unless otherwise agreed.
Please ensure you read your insurance policy carefully. Failure to comply with the terms and conditions of the policy may result in cover being restricted.
PGL are an Appointed Representative of Fogg Travel Insurance Services Limited who with the Insurers are authorised and regulated by the Financial Services Authority.
Please take the time to read the following terms and conditions carefully. They are the basis of the contract between yourself and PGL.
A contract will exist between us when we have taken your booking and required payment. You will then automatically receive a confirmation invoice detailing exactly what has been booked. If you think anything is incorrect please contact us straight away. All correspondence will be with the person named on the confirmation invoice who accepts the following conditions on behalf of all participants. The contract between us is governed by English Law and any dispute will be dealt with under the exclusive jurisdiction of the courts of England and Wales. Any monies paid to an appointed agent will be held by the agent for PGL until they are paid over to PGL.
Your final payment and travel tickets
The balance of your account is payable not later than 12 weeks before holiday commencement. If payment is not made by the due date, we reserve the right to advise you of the cancellation of your holiday booking and make a cancellation charge at the appropriate rate. Full payment must accompany bookings made within 12 weeks of departure.
The Package Travel, Package Holidays and Package Tours Regulations 1992 require us to provide security for the monies that you pay for the holiday booked from this brochure and for your repatriation in the event of our insolvency. We provide this security by way of a bond held by ABTA.
Changing your booking or travel
If, after you have confirmed your booking, you wish to make any alterations, an administration charge of £25 will be made per amend. Any such amendment may be telephoned to PGL in the first instance but must be confirmed in writing immediately thereafter with the appropriate amount enclosed. However, if a major amendment is requested less than 8 weeks prior to the starting date of the holiday, we reserve the right to treat your request as a cancellation and charge the appropriate cancellation fee as detailed below.
In order that all our staff have the correct information we cannot accept additions or alterations to coach/ferry travel arrangements within 7 days of the commencement of the holiday.
If we are forced to make changes
PGL will do its utmost to provide all of the arrangements that have been confirmed, but must reserve the right to alter or cancel any activities, accommodation or other arrangements, including escorted travel, if operational, weather or other considerations so dictate.
If we have to make a major change to your holiday, we will offer a suitable alternative if
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