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TRAVEL INSURANCE:
Book your travel insurance on line: sonainsurance.co.uk
Please note that this insurance purchase is valid for UK residents only
We at Sona Tours Ltd are happy to introduce to you the following insurance that has been arranged for us by Global Travel Insurance Services Ltd and which is underwritten by AXA Insurance UK plc.
We act as an Introducer Appointed Representative for the purposes of your travel insurance, appointed by Global Travel Insurance Services Ltd who are authorized and regulated by the Financial Services Authority whose status can be checked on the FSA Register by visiting www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.
Address for correspondence: Amelia House, Crescent Road, WORTHING, West Sussex, BN11 1RL
Telephone: 01903 203933 Fax: 01903 211106 Email
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If you have a complaint about the sale of this insurance you must first write to the Managing Director of Global Travel Insurance Services Ltd. Subsequently, complaints may be referred to the Financial Ombudsman Service. If we are unable to meet our liabilities you may be entitled to compensation under the Financial Services Compensation Scheme.
We will send you an application form on booking enabling you to arrange this insurance. If preferred, you can obtain a quotation and arrange your own insurance online via our website by clicking on the weblink provided. Beyond providing this information, we are not allowed to assist you in any way in the arrangement of your travel insurance or give any advice. Other than by way of this information, you will not receive advice or recommendation from us. You will need to make your own choice about how to proceed.
INSURANCE PRODUCT SUITABLITY
This insurance is suitable for persons whose Demands and Needs are those of a traveller whose ?
1. Individual round trip starts and finishes in the UK and is of no more than 120 days duration.
2. Age is 90 years or less and is a permanent resident of the United Kingdom.
As this description contains the Key Features of the cover provided it constitutes provision of a statement of demands and needs.
This insurance is only available to persons who are permanently resident and domiciled in the UK and is valid for policies issued up to 31/03/2010.
SUMMARY OF COVER
Main policy limits only, please see the policy document for other limits that may apply
Section
| Limit
| Cancellation & Curtailment
| ?1,500
| Personal Accident
| ?15,000
| Medical & Other Expenses
| ?5,000,000
| Hospital Benefit
| ?300
| Personal Luggage Money & Valuables
| ?2,000
| Loss of Passport
| ?200
| Travel Delay
| (a) ?60 (b) ?3,000
| Missed Departure
| ?500
| Personal Liability
| ?2,000,000
| Legal Expenses
| ?25,000
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POLICY EXCESSES
Cancellation or Curtailment
The first ?50 of each and every claim per Insured Person claimed for under this Section is excluded, increased to ?100 where you are aged 61 to 70 years and to ?150 where you are aged 71 to 90 years.
Medical and Other Expenses:
The first ?75 unles travelling within North or Central America or the Caribbean or on a cruise when increased to ?150. Where You are aged 61 to 70 years the first ?150 of each and every claim per Insured Person claimed for under this Section is excluded.
Where You are aged 76 to 90 years the first ?300 of each and every claim per Insured Person claimed for under this Section is excluded.
Other Sections
An excess of ?50 applies to each and every claim each insured person under the Personal Luggage Money & Valuables and Delayed Departure (b) sections, and ?250 under the Personal Liability section.
Increased Excess for Pre Existing Medical Conditions
There is no requirement for You to disclose any medical condition that You have or have had. Provision for the acceptance of pre existing health conditions has been made by the application of increased excesses in the event of claims arising. You must also refer to the Main Health Exclusions.
For claims arising from the treatment of any pre existing illness the excess is further increased as follows ?
Under the Cancellation or Curtailment section - double the normal excess.
Under the Medical & Other Expenses section
For persons aged 65 years or less the excess is increased to ?500.
For persons aged 66 to 75 years the excess is increased to ?1,000
For persons aged 76 to 90 years the excess is increased to ?1,500.
You will also need to obtain confirmation from your GP of your fitness to travel.
EMERGENCY ASSISTANCE
There is a 24-hour emergency assistance service included in the policy so that any insured person may seek assistance in medical emergencies whilst on holiday. Full details are contained in the policy document.
MAIN HEALTH EXCLUSIONS
We will not pay for claims arising Where You or any person upon whose health the trip depends(a) Where You (or any person upon whose health the Trip depends) are undergoing tests for the presence of a medical condition receiving or on a waiting list for or have knowledge of the need for treatment at a hospital or nursing home.
(b) From any terminal illness suffered by You (or any person upon whose health the Trip depends).
(c) From any medical condition for which You (or any person upon whose health the Trip depends) have within 12 months prior to the date of issue of this insurance been diagnosed with a medical condition or have been admitted or undergone a procedure/ intervention in a hospital.
(d) From any reoccurrence of any psychiatric disorder, anxiety state and/or depression suffered by You (or any person upon whose health the Trip depends)
(e) Where You are travelling against the advice of a Medical Practitioner.
INSURANCE PRODUCT DISCLOSURE
Cancellation Rights
The Insurer provides a Money Back Guarantee enabling you to cancel the insurance within 14 days of issue should the policy not meet your requirements. No refund of premium is provided for cancellations after this time.
Claims
Claims are handled by Towergate Chase Parkinson who acts on behalf of the Insurers and not the customer in relation to any claim. The telephone number is 0870 906 3144.
General Queries
If you have any query regarding the cover provided you may
contact Global Travel Insurance on 01903 203933 for advice.
Applicable Law
The law applicable to this insurance contract is English Law.
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