Insurance

Cancellation & Travel Insurance

It is essential to have good quality travel insurance in place when you travel abroad. We have arranged this exclusive policy for Treyn Holidays’ clients through leading specialist broker, Voyager Insurance Services Ltd, and underwritten by Europ Assistance Holdings Ltd. 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 (UK destinations)

Duration	Age 16-64	Age 65-74	Age 75+
Up to 6 days	£9	£18	£25
7 to 12 days	£18.50	£32.50	£49.50

Premiums per person (Europe)

Duration	Age 16-64	Age 65-74	Age 75+
Up to 6 days	£18	£36	£50
7 to 12 days	£37	£65	£99
Extra Week(s)	£7.50	£14.50	£21.50

Premiums per person (Worldwide)

Duration	Age 16-64	Age 65-74	Age 75+
Up to 18 days	£86	£160	£230
19 to 25 days	£109	£197	£285

 

Premiums inclusive of Insurance Premium Tax at 17.5%
Premium is based on age at date of departure.
Maximum age at date of departure is 79 - alternative cover for persons aged 80 and over may be arranged by telephoning 0870 1425218.

Eligibility

To be eligible for this insurance, you must:
• normally reside in the United Kingdom.
• comply with the Important Health Requirements section of Your policy.

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:

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.

IMPORTANT NOTES
We would like to draw Your attention to some important features of Your policy including:
• Material Facts: You must declare to Us all Material Facts that are likely to affect this insurance. Failure to do so may prejudice entitlement to claim. If You are uncertain as to whether a fact is material, You should declare it to Us by calling Our Travel Helpline on 0870 7376343. Please refer to the definition of a ‘Material Fact’ in the Meaning of Words.
• Health: This policy contains restrictions regarding Pre-existing Medical Conditions which unless declared and accepted by the Insurers in writing prior to travel may invalidate any subsequent claim. If You are in any doubt as to whether You would be covered by the policy please call the Medical Screening Helpline on 0870 7376363. Please see “Important Health Requirements” below.
• Changes in health or medication: You must contact Us and declare any changes in Your health or Your medication that occur between the date You take out this policy and the date You start any trip.
• Special Sports & Activities: This policy specifically excludes participating in or practising for certain sports and activities. If You are going to take part in special sports and activities where there may be a high risk of injury or if You are in any doubt as to whether cover will apply, please call the Travel Helpline on 0870 7376343.
• Age Limit: No Section of this policy shall apply in respect of any person travelling who has reached the age of 80 years at the commencement of the Period of Insurance.
• Pregnancy: No cover is given under Sections 1, 2 3 and 4 of this policy in respect of any claim arising from pregnancy within 8 weeks (or 16 weeks in the case of a known multiple pregnancy) of the estimated date of delivery.
• Third Party Liability: If You use a motorised vehicle, (e.g. car, motor cycle, moped or scooter) sail or powered boat, or an airborne craft, no liability cover will apply under this policy and You must ensure that You have cover for third party injury or property damage in place.
• Personal Possessions: While this policy provides cover for Your Personal Luggage, if You are planning to take expensive items such as sophisticated photographic equipment, jewellery and other Valuables with You then You should check that You have adequate personal possessions cover, under a home contents insurance. The maximum We will pay under this policy for Valuables (as defined) owned by each Insured Person is limited to £500. Personal Luggage claims are paid based on the value of the goods at the time that they are lost and not on a ‘new for old basis’ or replacement cost basis; thus a deduction is made for wear, tear, and depreciation.
• Policy Limits: Most Sections of Your policy have limits on the amount the Insurer will pay under that Section. Some Sections also include other specific limits, for example: For any one item or for Valuables in total. You are advised to check Your policy.
• Reasonable Care: You need to take all reasonable care to protect yourself and Your property, as You would if You were not insured.

IMPORTANT HEALTH REQUIREMENTS
You must comply with the following conditions in order to have full protection under this policy. If You do not comply We may, at Our option, cancel the policy, refuse to deal with Your claim or reduce the amount of any claim payment. This insurance operates on the following basis:

1. To be covered, You must be healthy, fit to travel and to undertake Your planned Trip;
2. The insurance will NOT cover You when You are travelling against the advice of a Medical Practitioner (or would be travelling against the advice of a Medical Practitioner had You sought his/her advice);
3. The insurance will NOT cover You when You are travelling with the intention of obtaining medical treatment or consultation abroad.
4. The insurance will NOT cover You if You have any undiagnosed symptoms that require attention or investigation in the future (that is symptoms for which You are awaiting investigations/consultations, or awaiting results of investigations, where the underlying cause has not been established).

No claim arising directly or indirectly from a Pre-existing Medical Condition affecting You will be covered unless:
• You have declared that condition to Us; and
• You have declared any changes in Your health or prescribed medication; and
• We have accepted that condition for insurance in writing.
Each Insured Person who has a Pre-existing Medical Condition must make a Medical Health Declaration before each Period of Insurance and, if there are any changes in Your health or prescribed medication, prior to commencement of the Period of Insurance or departing on any Trip.

Failure to declare any Pre-existing Medical Condition that is relevant to the insurance may invalidate the policy.
A Pre-existing Medical Condition is defined as
1. Any past or current Medical Condition that has given rise to symptoms or for which any form of treatment or prescribed medication, medical consultation, investigation or follow up/check up has been required or received during the 2 years prior to the commencement of cover under this policy and/or prior to any Trip: and
2. any cardiovascular or circulatory condition (e.g. heart condition, hypertension, blood clots, raised cholesterol, stroke) that has occurred at any time prior to the commencement of cover under this policy and/or prior to any Trip?
We may require You to obtain a medical report from Your General Practitioner or Consultant in order to assess whether cover applies. Any costs incurred in obtaining this medical report shall be borne by You.

Based on Our assessment of the medical information supplied to Us, We will decide whether or not the person is suitable for insurance, if certain exclusions or restrictions should be imposed, or if cover can be offered subject to the payment of an additional premium. If We offer cover, and, if the cover is subject to the payment of an additional premium, cover will not commence until full payment has been received by Us and written confirmation has been provided by Us.

To declare a Pre-existing Medical Condition or a change in Your state of health or prescribed medication, You should contact the Medical Screening Helpline during office hours on: 0870 7376363

This policy will NOT cover any claims under Section 5 (Cancellation & Curtailment) arising directly or indirectly from a Pre-existing Medical Condition, known to You prior to the commencement of the Period of Insurance, affecting any Close Relative, travelling companion who is not insured under this policy or person with whom You intend to stay whilst on Your Trip:
• for which they have required surgery, or in-patient treatment or hospital consultations, or have been prescribed medication or undergone any treatment, during the 90 days immediately prior to the commencement of the Period of Insurance; or
• if they were on a waiting-list for, or have knowledge of the need for, surgery, in-patient treatment or investigation at any hospital or clinic at the commencement of the Period of Insurance; or
• if a terminal diagnosis had been received prior to the commencement of the Period of Insurance. You should also refer to the General Exclusions.

Cover Limits of Cover Excess

Cover	Limits of Cover	Excess
Medical Emergency & Repatriation	£5,000,000	£100
Emergency Dental Treatment	£250	£50
Additional Accommodation & Travelling Costs	£1,000	Nil
Hospital Daily Benefit	£25 per complete day of inpatient treatment: up to £500	Nil
Cancellation & Curtailment	£2,000	£100 (£25 for deposit only)
Travel Delay	£15 for the first full 12 hour delay then £15 for each subsequent full 12 hours: maximum £120	Nil
UK Departure Assistance & Missed UK Connection	£500	Nil
Missed Departure on the Outward Journey	£500 (Europe) £1,000 (outside Europe)	Nil
Personal Luggage	£1,000	£50
§          Single article, or Pair or Set of articles	£250	£50
§          Valuables	£250	£50
(Limited to £100 if Insured Person is under 16)
Luggage Delay	In excess of 12 hours: £50. In excess of 48 hours: £100	Nil
Money & Passport
§          Money	£500	£50
§          Cash	£250	£50
(Limited to £50 if Insured Person is under 16)		Nil
§          Passport	£500	Nil
Personal Liability	£2,000,000	£50
Personal Accident
§          Death	£15,000
If the Insured Person is aged under 16 or over 70	£1,000
§          Loss of one or more Limbs, or total and irrecoverable  Loss of Sight in one or both eyes	£15,000
§          Permanent Total Disablement	£15,000
If the Insured Person is not in full time employment or is aged over 70	£1,000
Legal Protection	£25,000	Nil

Certain sections of your policy carry an excess, as shown. This means that You will be responsible for paying the first part of the claim up to the excess value per Insured Person, each and every incident, each and every section of cover. A definition of ‘Policy Excess’ is in the Meaning of Words section of Your policy.

 

Treyn Holidays by Rail of 9 St Saviourgate, York, YO1 8NL is authorised and regulated by the Financial Services Authority.  Our Firms Registration Number is 488024.  We are permitted to arrange, advise on, deal as an agent of insurers and clients, and assist in claims handling but only with respect to Connected Travel non-investment insurance policies.  You can check these details on the FSA’s Register by visiting the FSA’s website http://www.fsa.gov.uk/pages/register/ or by contacting the FSA on 0845 606 1234.

Your duty of disclosure

Your insurance is based upon the information provided to the insurance company and you must ensure that all such information is complete and accurate, and that any facts that may influence the insurer’s decision to accept the policy and what terms are applied must be disclosed,

Failure to disclose material information, including all existing or new medical conditions arising pre-departure, to the insurance company may invalidate your insurance and could mean that part, or all of a claim may not be paid.

How to cancel

You may have a statutory right to cancel this policy within a short period.  If you cancel within 14 days you will receive a full refund of premium.  Please refer to your policy summary or your policy document for further details.  If you wish to cancel outside that period you will not receive a refund of premium except in exceptional circumstances and at the discretion of our insurer.

Protecting your information

All personal information about you will be treated as private and confidential (even when you are no longer a customer), except where the disclosure is made at your request or with your consent in relation to administering your insurance, and except where law requires us.

Some or all of the information you supply to us in connection with your insurance proposal may be passed to insurance and other companies for underwriting, claims and premium collection purposes.  Your data will be held in accordance with the Data Protection Act 1998, under which you have a right of access to see personal information about you that is held in our records, whether electronically or manually. If you have any queries, please write to the Customer Relations Manager at the above address.

How to claim

Please refer to your policy summary or your policy document if you need to notify a claim.  You should contact the insurer direct as soon as possible using the contact details provided, If in doubt about whom you should contact, please contact us on 01904 521900.

Fees and charges

We never make charges to clients in excess of the premium amount charged by insurers.

Block Transfers

In respect of some classes of insurance we may operate block insurance arrangements in order to provide competitive terms.  On occasions it will be necessary for us to transfer such blocks from one insurer to another where this is beneficial for our clients.

This Terms of Insurance Business document constitutes both your acceptance that we may do this and your prior request for us so to do.

Protecting your money

Prior to your premium being forwarded to the insurer, and for your protection, we either hold your money as an agent of the insurers (in which case your policy is treated as being paid for), or we hold it in a client bank account on trust for you.

We may extend credit to other customers from this account and we may transfer your money to another intermediary in some cases.  However, you money will be protected at all times because of the requirements of FSA rules.  We also reserve the right to retain interest earned on this account.

By accepting this Terms of Insurance Business document, you are giving your consent for us to operate in this way.

Complaints

It is our intention to provide a high level of service at all times,  However, if you have reason to make a complaint about our service you should contact the Customer Relations Manager at the above address or ring 01904 521900.  You may be entitled to refer the matter subsequently to the Financial Ombudsman Service.  You can contact the Financial Ombudsman Service by telephone on 0845 080 1800 and further information is available at http://www.financial-ombudsman.org.uk/ If you do decide to refer any matter to the Financial Ombudsman Service your legal rights will not be affected.

Compensation arrangements

We are covered by the Financial Services Compensation Scheme.  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 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit.  For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit.  Further information about compensation scheme arrangements is available from the FSCAS on 020 7892 7300 or by visiting http://www.fscs.org.uk/