Insurance cover
It is a condition of booking a cruise holiday with us that you have taken out appropriate travel insurance cover. We are pleased to offer a fully comprehensive travel insurance policy arranged by Gold Cover Insurance Services and insured by Ageas. This policy has been specially chosen to give you peace of mind about coping with unforeseen events that could occur either before or during your holiday. Your attention is drawn to item 2 of the booking conditions covering the cancellation penalties and therefore it is advisable that insurance cover is taken out at the time of booking to cover any potential charges.
This insurance policy is available only to UK residents domiciled in the UK (incl. Channel Islands, and the Isle of Man) and registered with a Medical Practitioner in the UK (incl. Channel Islands, and the Isle of Man) and can only be applied to round trips commencing in and returning to the United Kingdom.
Due to Financial Conduct Authority (FCA) regulations, our travel insurance may only be purchased from us directly. Please call us on 0845 430 0274 to arrange your policy, or ask your travel agent for details of alternative schemes that they may be able to offer you.
Summary of Cover
This is only an outline of the cover provided per person. A specimen copy of the full pol- icy wording is available on request. Conditions 1. Ages apply at date policy is issued (except for children under three)
2. You must declare any pre-existing medical conditions of the insured or anyone on whose health your trip may depend, including any symptoms which are awaiting or receiving treatment or investigation. More information is provided in your policy document.
3. Children under three years at time of travel are insured free of charge when travelling with an insured adult. Children 3-18 years are charged at 50% of above rate when travelling with an insured adult.
4. Please note that restrictions/exclusions may apply for certain activities and sports. This is of particular relevance to the Northern Lights and Worldwide cruises. Please ask for details
Supplementary Charges for Additional Cancellation or Curtailment Cover
In the case that the cost of your holiday exceeds the £5000 per person cover limit, please call us for a quotation or seek alternative insurance cover. Insurer
This travel insurance is insured by Ageas Insurance Limited. They are authorised by the FCA and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Pre-Existing Medical Conditions
If you or any of the people travelling with you or others on whose health the trip depends have any pre-existing medical conditions, are on a waiting list for treatment or have a condition that is waiting diagnosis you will not be covered for the condition unless you check that the condition can be covered with the Insurer’s Healthline shown on the back cover of your policy wording. Failure to do this may result in a declined claim. If you have only one Pre-existing Medical Condition and this is shown in the list on the Accepted Conditions page of the policy wording, it will be covered under the standard terms of the policy and you do not have to contact the Insurer’s Healthline.
Premier Cover Benefit Cancellation and Curtailment
Medical Expenses (inc emergency assistance) Hospital Confinement Benefit Personal Possessions
Single Article/Pair/Set Limit Valuables Limit in Total
Delayed Baggage (in excess of 12 hours) Personal Money
Cash Limit Cash (aged under 18)
Passport, Tickets & Documents Travel Delay
Missed Departure Missed Connection
Holiday Abandonment (after 24 hrs delay) Hijack
Personal Accident Personal Liability
Legal Expenses Catastrophe Cover Travel Disruption Cover Commencement of Cover
For single trip policies your cover does not commence until your policy documentation has been issued and your payment has been processed. Cancellation
Please read your policy wording carefully and take note of the pre-existing medical conditions, exclusions, excesses, limitations and conditions. If you find the policy does not meet your requirements you can return the policy to us within 14 days of receipt,but before the trip departure date. Provided no claim has been made your premium will be refunded in full.
Consumer Insurance Act
You are required by the provisions of the Consumer Insurance (Disclosure and Representations) Act to take care to:
a) supply accurate and complete answers to all the questions we or the administrator may ask as part of your application for cover under the policy
b) c)
to make sure that all information supplied as part of your application for cover is true and correct
tell us of any changes to the answers you have given as soon as possible
Failure to provide answers in-line with the requirements of the Act may mean that your policy is invalid and that it does not operate in the event of a claim.
Excesses
Most sections of your policy are subject to an excess as shown in our Summary of Cover and in your policy wording. This means each person will have to bear the first part of each claim.
Activities
You may not be covered if you are planning to take part in dangerous sports or pastimes where there is a generally recognised risk of injury. A list of acceptable sports and activities is shown in the policy wording. Please ask us if you are in any doubt. It may be possible to cover other activities for an additional premium. Age restrictions may also apply.
About our Insurance Services
South Quay Travel & Leisure Ltd are Appointed Representatives of Gold Cover Insurance Services Ltd, who are authorised and regulated by the Financial Conduct Authority and whose FCA register number is 304018. Their permitted business is to sell and administer general insurance. You can check this information on the Financial Services register by visiting the FCA website
www.fca.org.uk
The Service We Provide
We are dealing with this insurance on a non-advised information only basis. You will need to make your own choice about how to proceed. We do not charge a fee for our service. You only pay us the appropriate insurance premium.
Making a Complaint
All complaints regarding medical screening and claims should be sent to the insurer, the insurer’s complaints procedure is detailed in the policy wording. If you wish to register an insurance sales complaint against us please contact by writing to our Customer Services Department, South Quay Travel & Leisure Ltd, Gateway House, Stonehouse Lane, Purfleet, Essex RM19 1NS. If you cannot settle your insurance sales complaint with us you may be entitled to refer it to the Financial Ombudsman Service.
Amount of Cover (per person) Up to £5,000
Up to £10,000,000
£25 per day up to £200 Up to £1,500
£250 £250
Up to £250 (£50 per day) Up to £500
£250 £100
Up to £250 Up to £400
£25 for first 12 hours and £25 for each additional 12 hours Up to £1000 Up to £500
Up to £5,000 £100 per day up to £1,000
Up to £20,000. Benefits limited for persons under age 18 and over 65 Up to £2,000,000
Up to £25,000 Up to £1,000 Up to £3,000
£50 Nil
£50 £50 £50
Nil Nil
£200 Nil
£50 Nil
Nil £50 Policy Excess
£80 (£100 - 66 and over) (£25 loss of deposit) £80 (£100 - 66 and over) Nil
£50
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