POLICY SUMMARY - TRIP TRAVEL / YEAR ROUND / LONG STAY - 2007

***Whilst we do not insist that you take our recommended Travel Insurance, we believe that our policies represent great value for the comprehensive quality of cover and service provided. More and more of our clients choose our travel insurance because they know they will receive the personal service and attention to detail that has always been our company’s objective.

**For your own protection, our Booking Conditions require that you have adequate travel insurance if travelling outside of the United Kingdom.

WHY OUR INSURANCE IS THE FIRST CHOICE FOR DISCERNING TRAVELLERS
**Our insurance has been arranged through Citybond Suretravel, (a division of Citybond Holdings Plc.), and is underwritten by the Europ Assistance Group, leading travel insurance providers of underwriting and travel assistance services for over 40 years. Citybond Holdings and Europ Assistance Holdings are both authorised and regulated by the Financial Services Authority.

‘COOLING OFF’ PERIOD: If after reading your policy you are not satisfied for any reason, you must return it to Beachsun Holidays within 14 days of issue in order to receive a full refund of premium, provided that a claim does not exist and travel has not taken place.

• ***Our policy provides a number of Personal Assistance services including trip information such as required visas and inoculations, to local climate and bank opening times. In addition, the policy provides travel assistance such as lost luggage retrieval, credit card cancellations and drug replacement should the need arise.



• ***Our multi-lingual staff at the Emergency Assistance service, provided by Europ Assistance, are on call 24 hours a day, 365 days of the year and they will resolve any problem in the most efficient, suitable and practical way available at the time. Europ Assistance also provides our claims assessment service and we are confident that any claims you may have will be handled quickly and efficiently.



• ***Cover is simple to arrange – you complete the insurance section of the booking form, including the appropriate premium with your deposit payment and cover will commence immediately
  

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SUMMARY OF BENEFITS

The main policy features are set out in the tables below. Please refer to relevant sections of the Policy Wording booklet for more information.

For each Insured Person	Cover up to:	EXCESS
Cancellation or Curtailment	£5,000	£65
Medical & other expenses	£10.000,000	£65
Hospital Benefit	£800 (£25 per day)	NIL
Personal Accident	£20,000	NIL
Travel Delay	£300	NIL
Missed Departure	£500 (Europe), £1,000 (outside Europe)	NIL
Personal Liability	£2,000,000	£65
Legal Protection	£25,000	NIL
Personal Baggage	£2,000 Premier Policy £200 Economy Policy	£65
*Valuables - Single article, pair or set of articles	£300	£65
Delayed Baggage	£50 for 12 hrs (£100 for 48hrs)	NIL
Personal Money	£200 (Cash), £500 (other money)	£65
Travel Documents	£500	£65
Skis, Ski Equipment	£500	£65
Ski Pass	£250	£65
Delayed Ski Eqiupment	£300	NIL
Piste Closure	£200	NIL
Adverse Weather	£150	NIL

Note: If you need increased cover, please check your Home Contents policy first as most people can have their valuables insured under this policy while they are away for a minimal additional cost.

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WINTER SPORTS COVER

Where the policy is extended to cover Winter Sports, the summary below applies.
All terms, conditions and exclusions of the policy continue to apply in respect of Winter Sports except where amended under this section. The following sports are NOT covered: bobsleigh, heli-skiing, luge, paraskiing, skeleton, ski jumping, ski racing, ski stunting, skiing/snowboarding outside recognised and authorised areas.

For each Insured Person	Cover up to:	EXCESS
Cancellation or Curtailment	£5,000	£65 (except Loss of Deposit £25)
Medical & other expenses	£10.000,000	£65
Hospital Benefit	£800 (£25 per day)	NIL
Personal Accident	£20,000	NIL
Travel Delay	£300	NIL
Missed Departure	£500 (Europe), £1,000 (outside Europe)	£65
Personal Liability	£2,000,000	NIL
Legal Protection	£25,000	NIL
Personal Baggage	£2,000	NIL
*Valuables - Single article, pair or set of articles	£300	£65
Delayed Baggage	£50 for 12 hrs (£100 for 48hrs)	NIL
Personal Money	£200 (Cash), £500 (other money)	£65
Travel Documents	£500	£65

Note: If you need increased cover, please check your Home Contents policy first as most people can have their valuables insured under this policy while they are away for a minimal additional cost.

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IMPORTANT: STRICT MEDICAL HEALTH REQUIREMENTS

**Your policy contains restrictions regarding Pre-Existing Medical Conditions of the people travelling and of other people upon whose health the trip may depend. YOU ARE ADVISED TO READ YOUR POLICY CAREFULLY and to read the information below and to sign the insurance declaration on the booking form.

**Our recommended Travel Insurance operates on the basis that all Insured Persons are not travelling against medical advice or with the intention of obtaining medical treatment abroad. The insurance will NOT cover you if you have any undiagnosed symptoms that may require treatment in the future (i.e. symptoms for which you are awaiting investigations/consultations, or awaiting results of investigations, and where the underlying cause has not been established).

No claim arising directly or indirectly from a Pre-Existing Medical Condition affecting an Insured Person will be covered unless:

• You have declared that condition to the Underwriters; and
• You have declared any changes in your health or prescribed medication; and
• The Underwriters have accepted that condition or change in condition for insurance in writing prior to departure.

Note: A Pre-Existing Medical Condition is considered to be:

• Any medical or psychological sickness, disease, condition, injury or symptom of which you are aware for which you have required treatment, medical consultation(s), prescribed medication or follow-ups at any time during the 2 years prior to the commencement of cover under this policy and/or prior to the trip;
• and/or any cardiovascular problems (e.g. heart attack, angina, chest pain, palpitations, any other heart condition, hypertension (raised blood pressure), blood clots, raised cholesterol); any cerebrovascular problems (e.g. stroke, transient ischaemic attack, brain haemorrhage), of which you are aware, that have occurred at any time prior to the commencement of cover under this policy and/or prior to the trip.
  (A full definition is shown in the policy document.)

To declare a Pre-existing Medical Condition or a change in your state of health or prescribed medication, you should contact Citybond Suretravel’s Medical Screening Department, Healthcheck247, at www.Healthcheck247.com, or telephone them on 0845 618 0341 (Mon. to Fri. 9.30am to 5.00pm, Sat 9.30am to 12.30pm). Please note that calls to Healthcheck247 may be monitored or recorded for audit or training purposes.

Failure to declare any Pre-existing Medical Condition that is relevant to the insurance may invalidate the Policy.

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