UK Holiday Cancellation Summary Of Cover

If you are considering hiring a country cottage or a seaside villa, or booking accomodation on one of the many holiday parks in the UK for a great "staycation", then this is the policy for you to protect the full value of the booking irrespective of the number of people inlcuded.

 

SUMMARY OF COVER

The following represent the Significant and Key Features of the policy including Exclusions and Limitations that apply per person. 

A full copy of the policy document is available on request.  

 

TRIP ELIGIBILITY:

This insurance provides cancellation insurance for a single pre booked UK holiday booking up to a maximum sum insured of £5,000 for any single unit of accomodation and for any number of people up to the maximum permitted by the accomodation provider.

A separate policy may be purchased for additional units of accommodation.

 

CANCELLATION

If you have to cancel your trip due to

a)       death, bodily injury, illness, disease or complications of pregnancy.

b)       redundancy,

c)        jury service,

d)       the police requiring you to remain at or return to your home due to serious damage to your home,

you are covered against loss of pre booked UK travel and accommodation costs, up to the overall cost of your booking stated in the Application form.

 

COVID-19 cover

Cancellation up to £5,000 following you, your close relative, a member of your household, a travelling companion or a friend with whom you had arranged to stay, having had a diagnosis of COVID-19 within 14 days of your booked departure date, as certified by a medical practitioner following a medically approved test showing a positive result for COVID-19.

There is a Policy Excess of £50 per booking, limited to £25 for claims arising from a loss of deposit only.

 

PRE EXISTING MEDICAL CONDITIONS

This Policy may not provide cover for Pre-existing Medical Conditions, so it is important that You review and respond to the questions below in order to have the full protection of Your Policy. If You do not take the appropriate action, or if You withhold information which We should reasonably be made aware of when considering the provision of cover, then Your Policy may be cancelled, or Your claim rejected or not fully paid.

Please consider the following questions in relation to You, anyone to be covered by this Policy:

  1. Are You aware of any reason why Your trip could be cancelled or cut short, such as Your health or the health of a Close Relative or Close business associate or someone with whom You are going to travel or stay?
  2. Are You travelling: a. against the advice of a Medical Practitioner, or b. for the purpose of obtaining medical treatment?
  3. Have You been given a terminal prognosis?
  4. Are You receiving or awaiting investigation or treatment for any Bodily Injury, Illness or disease as a hospital day case or in-patient or have an undiagnosed condition or set of symptoms

If You answer YES to any of the above 4 questions, then Your Pre-existing Medical Conditions will not be covered by this Policy and We are unable to extend the cover to do so. If You are within Your 14 day cooling off period and You decide this Policy is no longer suitable for Your needs, You may be entitled to a full refund of the premium paid.

If You answer NO to the above 4 questions, then please also proceed to questions 5 and 6 below to complete the assessment.

5. If You are on prescribed medication, are Your medical condition(s) stable and well controlled?

6. If You suffer from stress, anxiety, depression or any other mental or nervous disorder, have You received written confirmation (at Your cost) that You are fit enough to take this trip by either: (a). Your GP, or (b). a registered mental health professional (e.g. if You are under the care of a Community Mental Health Team), or (c). a consultant specialising in the relevant field?

If You answer YES to question 5 and 6 above, then You do not need to contact Us with details of Your Pre-existing Medical Conditions, and Your insurance Policy’s standard terms, conditions and exclusions will apply.

If You answer NO to question 5 or 6 above, then Your Pre-existing Medical Conditions will not be covered by this Policy and We are unable to extend the cover to do so. If You are within Your 14 day cooling off period and You decide this Policy is no longer suitable for Your needs, You may be entitled to a full refund of the premium paid. 

 

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