TRAVEL INSURANCE – IMPORTANT INFORMATION

 

Cloud Nine Holidays Ltd is an appointed representative of Arthur J. Gallagher Insurance Brokers Limited which is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 7th Floor, 55 Blythswood Street, Glasgow, G2 7AT. Registered in Scotland. Company Number: SC108909.

 

We only offer travel insurance from a single insurer – Europaische Reiseversicherung AG (ERV). This travel insurance is suitable for those who wish to insure themselves when travelling against the specified financial loss of unforeseen circumstances and events relating to your trip. A list of the covers and corresponding levels, as well as the main policy exclusions, can be found below. Further details will be in your policy document, a copy of which is available on request. We have not provided you with any recommendation or advice about whether this product meets your specific insurance requirements. It is your responsibility to decide whether this policy suits your requirements. Should you require any further information, please contact Cloud Nine Holidays Ltd.

Health Conditions

We shall not be liable for claims WHERE AT THE TIME OF TAKING OUT THIS POLICY:

You are aware of any medical condition or set of circumstances that could reasonably be expected to give rise to a claim (for example the state of health of a close relative, Business Associate or any person on whom your travel plans depend)

The Insured Person whose medical condition gives rise to a claim:

is receiving, or on a waiting list for, surgery, in-patient treatment or investigations in a hospital, clinic or nursing home

Your travel against any health requirements stipulated by the carrier, their handling agents or any other public transport provider

is travelling against the advice of a Medical Practitioner or for the purposes of obtaining medical treatment abroad

has been given a terminal prognosis

This Information is correct at the time of printing, but may be subject to change. Please refer to your policy document to check your cover

1)                   Travel Policy   -   For full details about your cover and the exclusions please refer to the Policy Wording

FEATURE

DESCRIPTION

EXCESS PAYABLE

 

Cancellation

 

Up to £2,000

Excess:

£60    Deposit only: £10

 

Curtailment

Medical Expenses

Repatriation

 

Missed Departure (not UK)

 

Luggage &  Money

 

 

Luggage Delay

Personal Liability

Personal Accident

Legal Costs & Expenses

 

Up to £2,000

Up to £1,000,000 …}

                                }

Up to £200

 

Up to £1,000

Up to total of £200 for valuables

Lost Passport up to £200

Up to £100

Up to £1,000,000

Up to £10,000

Up to £25,000

 

£60

£60

 

Nil

 

£60

 

 

 

NIL

NIL

NIL

NIL

 

GENERAL EXCLUSIONS (applicable to all sections of cover)  Please read this section carefully as it contains key exclusions.

The policy includes some general exclusions relating to a variety of illnesses which are not covered.  Although not a full list these include Alcoholism, drugs or drug addition, stress, anxiety or depressive conditions, psychiatric illness, terminal illness, AIDS, HIV, sexually transmitted disease, suicide or attempt thereat, deliberate exposure of danger or criminal act.  Full Exclusions are listed in the policy document.

 

 

 

 

TRAVEL INSURANCE PREMIUMS including Insurance Premium Tax at the current rate

 

Duration

UK

Europe, Channel Islands & Eire

 

 

 

 

 

 

 

 

 

4 & 5 days

£25

 

 

6 to 8 days

£27.50

£42

 

 

 

 

Important – You must take reasonable care to provide us with complete and accurate information to any questions we ask when you take out, make changes to your policy. If you do not provide us with complete and accurate information which is subsequently disclosed, or comes to light after the commencement date of the insurance, your insurer may consider that you have misrepresented your risk and could either revise the premium and/or change any excess, or the extent of cover may be affected, cancel your policy or refuse to pay claims or both.

Cancellation Rights

If your cover doesn’t meet your requirements, please let Cloud Nine Holidays Ltd know within 14 days of receiving your policy document and return all your documents for a refund of your premium. Any premium already paid will be refunded to you providing you have not travelled, no claim has been made or is intended to be made and no incident likely to give rise to a claim has occurred.

Claims

Full details of how to make a claim and how to appeal should your claim not be successful can be found in the policy document.

Complaints

Should you have a complaint about the sale of your travel insurance policy, please contact The Branch Manager, Arthur J. Gallagher Insurance Brokers Ltd, 6th Floor, Temple Circus House, Temple Way, Bristol BS1 6HG.. Should you remain unhappy with our final reply, you may have the right to refer your complaint to The Financial Ombudsman Service, Exchange Tower, London E14 9SR.  Opening times are Monday to Friday – 8am to 8pm and Saturday – 9am to 1pm.  Their telephone number 0800 023 4 567 and calls to this number are normally free for people ringing from a "fixed line" phone – but charges may apply if you call from a mobile phone.  0300 123 9 123 calls to this number are charged at the same rate as 01 or 02 numbers on mobile phone tariffs.  These numbers may not be available from outside the UK – so please call us from abroad on +44 20 7964 0500.

Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, with no upper limit. Further information is available from the FSCS.

Updated June 2016

 

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