We consider adequate travel insurance vital prior to any trip, and therefore make this a condition of carriage. We have negotiated a comprehensive cover suited to our holiday products. The premium for this insurance is in addition to the £120 booking deposit and will be shown separately on your Confirmation and Account Invoice. Should you not wish to take our travel insurance the deposit you pay remains £120. The cover you take should be at least as good, and you must tick the box ‘NO’ on the booking form and advise us of your Insurer’s name, policy number (if applicable) and 24 hour emergency telephone number.

 

Insurance premiums paid to us are non-refundable. We would like to point out that, in the event of an emergency abroad, we are in a much better position to assist you quickly and efficiently if you have taken our insurance, as we know who to speak to for authority to take any action which may be necessary. It is the responsibility of each client to ensure that they receive a certificate of insurance from us and acquaint themselves with the terms and conditions contained therein. Only UK residents are covered by our policy.

 

Our travel insurance has been arranged by Travel & General Insurance Services Limited to specifically meet your needs on your Sunvil Holidays holiday. The cover is underwritten by Travel & General Insurance Company plc, except for Section K (Legal expenses), which is underwritten by DAS Legal Expenses Insurance Company Limited. Both insurers are authorised and regulated by the Financial Services Authority.

 

The schedule of the cover below sets out the cover provided by Sunvil Holidays tailored insurance. A policy document that fully defines the cover, conditions and exclusions will be sent to you with your booking confirmation. When you receive your policy, please take the time to read it carefully to ensure you understand what is and what is not covered, and that all activities that you may wish to participate in are included.

 

Please note our policy does not cover those aged 76 and over.  We recommend a policy issued by Age Concern – please contact them directly on 0845 601 2234.

 

Please note white water rafting up to grade 3, horse-riding (excluding competition and jumping) and scuba diving up to a depth of 9 metres are all included in the above rates. If you wish to scuba dive up to 40 metres (and also have your equipment insured) you must take out the optional scuba cover for 175% premium.

 

Premiums

including insurance premium tax

Europe

Period	Per person
Up to 5 days	£13.00
Up to 10 days	£16.00
Up to 17 days	£20.00
Up to 24 days	£22.00
Up to 31 days	£25.00
Additional week	£7.00

 

• Children under the age of 2 on the date of departure – Free if accompanied by an insured adult
• Children under the age of 18 on the date of departure – 75% of adult premium if accompanied by an insured adult
• Family rate, 1 or 2 adults and up to 4 dependent children under 18 – 250% of the adult premium
• Adults aged 66 to 70 on date of departure – 200% of the adult premium
• Adults aged 71 to 75 on date of departure – 250% of the adult premium
• Optional additional Scuba cover – 175% premium
• Optional additional adventure activities cover – 200% premium
• Adults aged 76 and over should contact Age Concern on 0845 601 2234 for a competitive quote.

Annual multi trip insurance

If you are a frequent traveller who travels more than two or three times each year it will be more economical for you to purchase an annual multi trip policy. Our policy offers great flexibility and a number of important advantages. If you are interested in purchasing our annual policy please contact tagconnect on 0845 408 0583.

 

Premiums

including insurance premium tax

Policy	Europe	Worldwide
Adult	£60.00	£75.00
Family	£120.00	£150.00

 

• Available for persons aged up to 65
• Covers journeys up to 31 days
• Cover for adult members of the family to travel independently
• Business travel cover
• Winter sports cover
• Adventure activities and sports cover

Important declaration

An insurance policy can only provide cover in respect of an accident, illness, injury, loss, damage or an event/occurrence which is sudden, unforeseen and beyond your reasonable control. Therefore any facts known to you, which could possibly result in you having to make a claim, must be disclosed, otherwise you may not be covered.

 

You must tell us about all material facts. A material fact is one that is likely to affect our decision in accepting or continuing your insurance. For example, these could be your employment circumstances, medical history or those of a travelling companion, immediate relative, business associate or other person that may influence you to cancel or curtail your journey.

 

In addition, you must be able to make the following declaration for yourself and anyone travelling with you.

 

As far as I know neither I, nor my travelling companion(s), nor immediate family, nor business associate(s), nor anyone I am visiting, nor anyone else for whom I would expect to be covered:

1. is waiting for an operation, hospital consultation or any other hospital treatment or investigations including the results of a routine test;
2. has been seen by a specialist or been admitted to a hospital overnight in the last 12 months (other than for regular check ups);
3. has any breathing or heart problem (including angina) or high blood pressure, which has needed treatment (including regular medication) in the last two years;
4. has received treatment, including regular medication, in the last 12 months for: a) any disorder of the blood such as clotting, bleeding or anaemia; b) any form of stroke; c) any form of cancer, leukaemia or tumour; d) a transplant; e) any psychiatric illness, dementia or dialysis treatment; f) any other pre-existing and on-going medical condition that a registered general practitioner could reasonably anticipate may give rise to a complication needing medical intervention prior to or during a journey (if in doubt check with your general practitioner);
5. has been diagnosed by a registered general practitioner as having a terminal condition;
6. know of any reason why the journey is likely to be cancelled or cut short.

If you cannot make this declaration when you take out the insurance, you must contact Healthcheck on 0845 408 0585

 

Please ensure that you read your policy carefully. If it does not meet your requirements, please return the policy, proof of premium and any other relevant documents to us within 14 days of receipt and we will refund the premium in full, provided you have not travelled or made a claim.

 

Please ensure you read your insurance policy carefully. Failure to comply with the terms & conditions of the policy may result in cover being restricted.

 

Section	Sum Insured Per Person	Excess
Standard cover
A Cancellation and curtailment charges	Up to £5,000	£50
B Emergency medical repatriation and associated expenses abroad Hospital benefit	Up to £2,000,000 £20 for each 24 hour period to a maximum of £500	£50 Nil
C Emergency assistance in the UK	Up to £2,000	£50
D Personal accident	Up to £25,000 (age limits apply)	Nil
E Travel delay     Missed departure  Missed connection	£40 first 12 hour period and £20 each subsequent 12 hours to maximum of £100  Up to £1,000  Up to £1,000	Nil     £50    £50
F Personal possessions Delay baggage (after 12 hours) Travel documents	Up to £2,500 Up to £100 Up to £500	£50 Nil £50
G Personal money	Up to £250	£50
H Hijack	£50 for each 24 hour period to a maximum of £500	Nil
I Mugging	£50 for each 24 hour period to a maximum of £500	Nil
J Personal liability	Up to £2,000,000	£250
K Legal expenses	Up to £25,000	Nil

Optional cover (available on payment of additional premium)

Scuba cover: For dives over 9m but less than 40m plus 75% of basic premium. Additional adventure activities cover: Plus 100% of basic premium.

 

Application for a European Health Insurance Card (EHIC)

If you are a UK resident, you are entitled to medical treatment that becomes necessary, at reduced cost or sometimes free, when temporarily visiting a European Union (EU) country. Only treatment provided under the state scheme is covered. However, to obtain treatment you will need to take a European Health Insurance Card (EHIC) with you.

 

What is an EHIC?

In line with EU rules, all EEA (European Economic Area) countries are issuing the European Health Insurance Card (EHIC) as a replacement for the E111 form. The EHIC gives the holder rights to treatment that becomes medically necessary during a temporary visit to EEA (European Economic Area) countries or Switzerland. People who are ordinarily resident in the UK can apply for an EHIC. Each individual travelling requires a card.

 

How long will my card last?

An EHIC will last for up to 5 years.

 

Who is entitled to an EHIC?

Any person who is ordinarily resident in the UK, is eligible for an EHIC. However there are some restrictions depending on your nationality. Visit www.dh.gov.uk/travellers or pick up a copy of the "Health Advice for Travellers" booklet at the Post Office for further information. You must be over 16 years of age in order to apply. Residents of the Channel Islands and the Isle of Man are not eligible.

 

Is there any charge for an EHIC?

There is no charge.

 

Why do I need an EHIC if I have travel insurance?

The EHIC and holiday insurance are complementary and you are advised to have both. The EHIC does not cover some costs such as repatriation. Some insurance companies require you to have an EHIC and some companies will waive the excess charge if an EHIC has been used.

 

What does the EHIC cover?

The EHIC covers treatment provided by the state healthcare scheme in the country you are visiting. It does not cover repatriation costs.