Insurance

Cancellation & Travel Insurance

We feel that it is essential to have good quality travel insurance in place whenever you venture abroad. We have arranged this special policy exclusively for clients of Great Rail Journeys through a leading specialist broker, Voyager Insurance Services Ltd, and underwritten by Mapfre Assistencia S.A. trading under the name of Mapfre Assistance in the UK and regulated by the Financial Services Authority. This policy summary does not contain the full terms and conditions of the cover. Full terms and conditions can be found in the policy document that will be sent with your booking invoice, a copy of which is available in advance upon request.

Premiums per person – for UK destinations

Duration	Age 16-64	Age 65-74	Age 75+
Up to 6 days	£12.00	£23.00	£32.00
7 to 12 days	£23.50	£39.50	£59.50
13 to 20 days	£26.00	£46.50	£72.50
Extra Week(s)	£5.00	£9.50	£13.50

Premiums per person - for European destinations

Duration	Age 16-64	Age 65-74	Age 75+
Up to 6 days	£23.00	£44.50	£61.50
7 to 12 days	£45.00	£78.00	£119.50
13 to 20 days	£52.00	£91.50	£143.50
Extra Week(s)	£10.00	£18.50	£27.50

Premiums per person – Worldwide destinations

Duration	Age 16-64	Age 65-74	Age 75-79
Up to 18 days	£87.50	£164.00	£235.00
19 to 25 days	£110.50	£198.50	£287.50

These premiums and cover are valid for all bookings confirmed by the end of October 2011 but could be subjected to change after that date.

Premiums inclusive of Insurance Premium Tax at the current rate.

Premium is based on age at date of departure. Maximum age at date of departure for Worldwide destinations is 79 - alternative cover for persons aged 80 and over may be arranged by telephoning 0845 0035244.

Eligibility

To be eligible for this insurance, you must:
• normally reside in the United Kingdom.

Significant or unusual exclusions and limitations

There are some situations which you are not covered for. These generally involve anything you already know about or that is caused by deliberate or careless acts on your part.

Full details of these are given in the policy document. Please also see the Important Notes set out below.

Significant features and benefits

Your policy includes the following benefits which are explained in detail in the policy document:

Cover	Limits of Cover	Excess
1. Cancellation, curtailment	£6,000*	£100 (£25 for deposit only)
2. Emergency medical expenses including emergency dental treatment	£10,000,000 £250	£100 £50
3. Hospital stay benefit (per day)	£1,000 (£50)	Nil
4. Personal accident - loss of sight, limb(s) or permanent total disablement maximum payable in the event of death maximum payable in the event of death if under 16	£15,000 £15,000 £5,000	Nil Nil Nil
5. Travel delay (after 12 hrs delay/each 12 hrs thereafter/max) Abandoment (after 12 hours)	£50/£50/£250 £6,000*	Nil £100
6. Missed departure and journey disruption Europe Outside Europe	£500 £1,000	Nil Nil
7. Baggage Overall limit Maximum per item, pair or set Total limit for all valuables (£100 if under 16) Emergency purchases (after 12 hrs)	£2,000 £250 £500 £100	£50 Nil
8. Personal money Cash limit	£500 £250	£50
9. Loss of passport	£500	£50
10. Personal liability	£2,000,000	£50
11. Legal expenses	£25,000	Nil
12. Hijack (amount per day)	£5,000 (£250)	Nil
13. Mugging (amount per day as an inpatient)	£500 (£50)	Nil

For UK tours the detail of the cover and exclusions is provided in the policy document

* Limit may be increased subject to individual referral for tours with a value above £6000

Duration of cover

This policy of insurance will run for the period shown on your Holiday Booking Invoice.

Your right to cancel

You have 14 days from the receipt of your documentation to cancel your policy if you feel it does not meet your requirements.

Customer Service/Making a complaint

Our aim at all times is to provide a first-class standard of service. If you feel this objective has not been achieved and wish to register a complaint, please contact us. Details are shown in the policy.

We are authorised and regulated by the Financial Services Authority Our Registration Number is 488024.

IMPORTANT NOTES

We would like to draw your attention to some important features of your insurance including:

Insurance document
You should read this document carefully. It gives full details of what is and is not covered and the conditions of the cover, Cover can vary from one policy to another so you should familiarise yourself with this particular insurance.
Conditions and exclusions
Specific conditions and exclusions apply to individual sections of your insurance, whilst general exclusions and conditions will apply to the whole of your insurance.
Health
This insurance contains restrictions regarding pre-existing medical problems concerning the health of the people travelling and of other people upon whose health the trip depends. You are advised to read the document carefully.
Property Claims
These claims are paid based on the value of goods at the time you lose them and not on a 'new for old' replacement cost basis. Deductions will be made in respect of wear, tear and depreciation.
Limits
This insurance has limits on the amount the insurer will pay under each section. Some sections also include other specific limits, for example, for any one item or for valuables in total.
Excesses
Under some sections of this insurance, claims will be subject to an excess. This means each person will be responsible for paying the first part of their own claim under each applicable section.
Reasonable care
You need to take all reasonable care to protect yourself and your property, as you would if you were not insured. Any amounts the insurers will pay for property left unattended in a public place or unattended vehicle is very limited, as specified in the wording.
Dangerous sports & pastimes
You may not be insured if you are going to take part in dangerous sports or pastimes where there is a generally recognised risk of injury. Please check that this insurance covers you, or ask us.
Customer service
We always try to provide a high level of service. However, if you think we have not lived up to your expectations, please refer to the wording in the policy which outlines our complaints procedure.
Cancellation rights
This insurance contains a 14 day 'cooling off' period during which you can return it and get a full refund, providing you have not travelled and there are no claims. We reserve the right to deduct from the rebate of premium the reasonable costs incurred in processing the original sale and cancellation. Please note cancellation rights do not apply if your contract is a short term insurance of less than one month duration.
Fraudulent claims
It is a criminal offence to make a fraudulent claim.

IMPORTANT QUESTIONS RELATING TO HEALTH & ACTIVITIES

Please consider these questions very carefully in relation to yourself and your travelling companions insured by us.

In relation to question 2 only, please note that the taking of regular medication at home under a repeat prescription for a condition, including high blood pressure or cholesterol, that is stable and well controlled does not amount to 'treatment' in this context. To avoid unnecessary extra cost, you should only contact the screening service if the answer to any of questions 1, 2, 3 or 4 is YES. If all the appropriate answers are NO then there is no need to contact the screening service and your condition(s) will be insured.

Definition of pre-existing medical condition:
Any condition that has required referral to or consultation with a specialist or hospital for treatment or investigation within the 12 months prior to:

the date that this insurance was arranged,or
the date that you extended the original period of your insurance, whichever is the latest.

Please note
You are not covered for any related claims if you:

have any medical condition as a result of which a medical practitioner has advised you not to travel or would have done so had you sought his or her advice.
have been given a terminal prognosis.
have any previously diagnosed psychiatric or psychological disorder.
are on a waiting list for treatment or investigation.