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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 FSA regulations which came into effect on 1 January 2009, 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.
Insurance Policy
Gold Cover Select Insurance Policy wording
Summary of Cover
This is only an outline of the cover provided per person. A specimen copy of the full policy wording is available on request.
| Premier Cover Benefit | Amount of Cover | Policy Excess (per person) |
|---|---|---|
| Cancellation and Curtailment | Up to £5,000 | £80 (£100 aged 66 and over) (£25 loss of deposit) |
| Medical Expenses (including emergency assistance) | Up to £7,000,000 | £80 (£100 aged 66 and over) |
| Hospital Benefit | £25 per day up to £200 | Nil |
| Personal Posessions | Up to £1,500 | £50 |
| Single Article/Pair/Set Limit | £250 | |
| Valuables Limit in Total | £250 | |
| Delayed Baggage | Up to £250 (£50 per day) | Nil |
| Personal Money | Up to £500 | £50 |
| Cash Limit | £250 | |
| Cash (aged under 18) | £100 | |
| Passport, Ticket and Documents | Up to £250 | £50 |
| Travel Delay | Up to £400 £25 for first 12 hours and £25 for each additional 12 hours | Nil |
| Holiday Abandonment | Up to £5,000 | £50 |
| Hijack | £100 per day up to £1,000 | Nil |
| Missed Departure | Up to £1,000 | £50 |
| Personal Accident | Up to £20,000 Benefits limited for persons under age 18 and over 65 | Nil |
| Personal Liability | Up to £2,000,000 | £200 |
| Legal Expenses | Up to £25,000 | Nil |
| Catastrophe Cover | £1,000 | £50 |
Travel Insurance Premiums
(including 20% Insurance Premium Tax)
| Age at date of policy issue | 19-65 yrs | 66-69 yrs | 70-74 yrs | 75-80 yrs | 81-85 yrs |
|---|---|---|---|---|---|
| UK & Eire Premiums | |||||
| Up to 3 Days | £9.00 | £16.00 | £20.00 | £31.00 | £41.00 |
| Up to 5 days | £16.00 | £23.00 | £31.00 | £37.00 | £52.00 |
| Up to 10 days | £18.00 | £26.00 | £36.00 | £47.00 | £63.00 |
| Up to 17 days | £20.00 | £31.00 | £41.00 | £52.00 | £73.00 |
| Europe Premiums (per adult) | |||||
| Up to 3 Days | £18.00 | £26.00 | £31.00 | £48.00 | £63.00 |
| Up to 5 Days | £23.00 | £34.00 | £41.00 | £63.00 | £80.00 |
| Up to 10 Days | £34.00 | £44.00 | £58.00 | £84.00 | £105.00 |
| Up to 17 Days | £44.00 | £55.00 | £73.00 | £95.00 | £127.00 |
| Up to 31 Days | £55.00 | £69.00 | £95.00 | £138.00 | £170.00 |
| West Indies Premiums (per adult) | |||||
| Up to 38 Days | £105.00 | 159.00 | £212.00 | £309.00 | £405.00 |
| Amazon Cruise Premiums (per adult) | |||||
| Up to 45 Days | £127.00 | £191.00 | £245.00 | £362.00 | £469.00 |
Conditions
- Ages apply at date policy is issued (except for children under 3).
- 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.
- Children under 3 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.
- Please note that restrictions/exclusions apply for certain activities and sports. This is of particular relevance to the Northern Lights and Amazon cruises.
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 and regulated by the Financial Services Authority (FSA Reg. No. 202039)
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 front cover of your policy wording. Failure to do this may result in a declined claim.
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.
Duty to Disclose All Material Facts
You need to let us know of any facts or information that may affect the insurance. If you do not declare these now or if you do not alert us to facts you become aware of during the period of insurance that may affect the insurance, your policy may be invalid.
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 Services Authority and whose FSA register number is 304018. Their permitted business is to sell and administer general insurance. You can check this information in the FSA register by visiting the FSA website http://www.fsa.gov.uk/Pages/register or by contacting the FSA on 0300 500 5000.
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 insurers complaints procedure is detailed in the policy wording. If you wish to register an insurance sales complaint against us please contact by writing to (name of person), South Quay Travel & Leisure Ltd, (address). If you cannot settle your insurance sales complaint with us you may be entitled to refer it to the Financial Ombudsman Service.