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Travel Insurance

Travel insurance is essential and we don't like to sell a holiday without it...

Travel insurance is essential and we don't like to sell a holiday without it or at least know that you have an adequate insurance policy with another company. Should you choose to have travel insurance with another company, please ensure that the cover is at least equivalent to that offered by ourselves.

This travel insurance policy will suit the demands and needs of an individual, or group who have no excluded pre-existing medical conditions, or travelling to countries included within the policy terms and who wish to insure themselves against the unforeseen events detailed in the cover section below. Subject to terms and conditions and maximum specified claim limit. We will not provide you with advice about the suitability of this product for your individual needs but we will be happy to provide you with factual information. Most importantly this insurance includes a 24-hour medical emergency service, a must for any traveller overseas. In addition, this insurance covers the cost of your holiday if you have to cancel before departure, loss of baggage, travel delay and even the cost of getting you on another ferry or plane if you miss yours because of an accident on the motorway!

You can book your travel insurance during the purchase of your flight/holiday. For those who wish to book after purchasing a flight/holiday pleasecall 0207 543 5555.

The following is a summary of cover only. You will receive the full policy wordings at the time of purchase, which defines the cover, conditions and exclusions. You can cancel your insurance within 14 days of purchase, however, please note, if you have a single trip policy that ends within one month of the date you purchased your policy, the cooling off period does not apply and we will not be able to offer you a refund.

If you have already booked your insurance with us you can print or save a copy of your insurance policy here. Please note your policy reference number is the same as your booking reference number. To download a copy of the status disclosure document please click here.

Insurance Policy Overview

WINTER PREMIUMS INC. Insurance Premium Tax - Premier Plus Rates

Period

Family

Child

Adult (18-65yrs)

Up to 8 Days

£74

£18

£35

Up to 15 Days

£82

£21

£39

Infants under 2 years are free • Family is defined as husband and wife or common law partner and their dependent children aged 17 & under or 20 & under if still in full time education.

SUMMER PREMIUMS INC. Insurance Premium Tax - Premier Plus Rates

Period

Family

Child

Adult (18-65yrs)

Adult(66-69yrs)

Adult(70-75yrs)

Adult* (76-79yrs)

Adult* (80-85yrs)

Up to 8 Days

£36

£9

£18

£29

£40

£55

£69

Up to 15 Days

£43

£11

£21

£34

£47

£65

£75

Infants under 2 years are free. Family is defined as husband and wife or common law partner and their dependent children 17 & under or 20 & under if still in full time education • * The maximum stay for 70-75 years is 21 days and for 76-85 years is 14 days.

DESCRIPTION OF PREMIER PLUS COVER

Cover (Per Insured)

Excess (Per Insured)

A

Cancellation & Curtailment

Up to £10,000

£50 (loss of deposit £35)

B

Emergency Medical Expenses

Up to £10,000,000

£50

Including Emergency Assistance Services

£65 (Over 65yrs)

C

Hospital Benefit

Up to £200 (£25 per day)

N/A

D

Personal Accident

Maximum Benefit £30,000

N/A

Loss of Limbs or Sight (Aged under 66yrs)

£30,000

Permanent Total Disablement (Aged under 66yrs)

£30,000

Death Benefit (Aged 18 to 65yrs)

£10,000

Death Benefit (Under 18 or 66yrs and over)

£5,000

All Benefits (66yrs and over)

£5,000

E

Baggage, Baggage Delay and Passport

Up to £3,000

£50

Single Article or Set of Articles limit

£250

Valuables Limit in Total

£500

Delay Baggage (after 12hrs)

£250 (£50 per 24hrs)

N/A

Emergency Passport and Travel

Up to £500

N/A

Tobacco, Alcohol and Fragrance etc

Up to £100

N/A

F

Personal Money and Documents

Up to £600

£50

Cash Limit (Currency notes and coins)

£350

Cash (Aged under 18yrs)

£100

Travel Documents

Up to £250

G

Personal Liability

Up to £2,000,000

£100

H

Hijack

£2,000 (£200 per day)

N/A

I

Missed Departure

£1,000

£50

J

Catastrophe

£1,000

£50

K1

Delayed Departure

£25 for each 12hrs
(Up to max £400)

N/A

K2

Holiday Abandoment

Up to £10,000

£50

L

Third Party Insolvency

Up to £2,000

N/A

M

Scheduled Airline Failure

Up to £2,000

£50

N

Overseas Legal Expenses and Assistance

Up to £20,000

£100

O

Strike

Up to £200

N/A

P

Personal Travel Assistance

Included

N/A

Wintersports

Q1

Ski Equipment - Owned
- Hired
- Single Item (Owned)

Up to £600
Up to £600
Up to £500

£50

Q2

Ski Hire

Up to £500 (£50 per day)

N/A

Q3

Ski Pack

Up to £500 (£50 per day)

N/A

Q4

Piste Closure

Up to £500 (£50 per day)

N/A

Q5

Avalanche Closure

Up to £500

£50

Important Information

We would like to draw your attention to some important features of your travel 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 the goods at the time you lose them and not on a 'new for old' or replacement cost basis. Allowance will be made for their age and likely condition.

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 excess. This means you will be responsible for paying the first part of the 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. The amount 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 your agent.

Fraudulent Claims
It is a criminal offence to make a fraudulent claim.

Eligibility
You should read the document carefully and take reasonable care to answer all questions honestly and reasonably and not to make a misrepresentation. It is your responsibility to ensure that the insurance you have purchased has the relevant cover and meets your needs.

Important. Please refer to the Travel Insurance Policy terms and conditions relating to health and exclusions. You must comply with the terms & conditions of the Policy in order to ensure that you are eligible for cover.

Balkan Holidays is an Appointed Representative of ITC Compliance Limited which is Authorised and Regulated by the Financial Conduct Authority.