Important information about your holiday cancellation Insurance
We have arranged a special insurance scheme with Travel Insurance specialists P J Hayman & Company Ltd to cover clients booking through us.
INSURER: This insurance is underwritten by Mondial Assistance Europe N.V. and administered in the United Kingdom by Mondial Assistance (UK) Limited. Mondial Assistance (UK) Limited is authorised and regulated by the Financial Services Authority. Mondial Assistance Europe N.V. is authorised by De Nederlandsche Bank (DNB) and regulated by the Financial Services Authority for the conduct of UK business. Mondial Assistance Europe N.V. follows the Financial Ombudsman Service code of conduct for complaints and is covered by the Financial Services Compensation Scheme (FSCS).
POLICY DOCUMENT:The policy wording gives you full details of what is and what is not covered and what to do if you need to claim. It is very important that you read the whole of this policy before you travel and make sure the cover is suitable for you. Please make sure that you take it on holiday with you in case of an emergency. A copy of the policy wording is available on request.
POLICY LIMITS: Each section of the policy shows the most you can claim but other limits may apply. For example under the Personal Possessions & Personal Money Section there are other specific limits for any one item and for valuables (including photographic equipment). If you intend to take expensive items with you please check that you are fully covered.
CONDITIONS AND EXCLUSIONS:Your policy does not cover all possible events and expenses. There are conditions and exclusions that apply to individual sections of the policy and general conditions and exclusions that apply to the whole policy.
Important – Medical Conditions - Health Exclusion
All claims are excluded where at the time of taking out this insurance :
1. The Insured Person:
(i) is aware of any set of circumstances which could reasonably have been expected to give rise to a claim; or
(ii) has suffered from a chronic or recurring illness during the previous twelve months UNLESS permission is obtained from the treating GP of fitness to travel at the time of booking
(iii) is travelling against the advice of a doctor or where they would have been if they had sought their advice before beginning the trip; or
(iv) knows that they will need treatment or consultation at any medical facility during the trip; or
(v) is travelling for the purpose of obtaining and/or receiving any elective surgery, procedure or hospital treatment.
2. The person whose condition gives rise to a claim:
(i) is receiving, or on a waiting list for treatment in a hospital or nursing home; or
(ii) is awaiting the results of any tests or investigations; or
(iii) has been given a terminal prognosis.
TELLING US ABOUT RELEVANT FACTS:Before you travel you must tell us about anything that may affect your cover. If you do not tell us about something that may be relevant, your cover may be refused and we may not cover any related claims.
HAZARDOUS ACTIVITIES:If you are going to take part in any hazardous sports or activities you should check that the policy covers you.
CANCELLATION RIGHTS: If your cover does not meet your requirements, please return the documentation within 14 days of receipt and your premium will be refunded in full unless you have travelled made a claim or intend to make a claim.
MAKING A COMPLAINT: The policy contains a complaints procedure which tells you what steps you can take if you wish to make a complaint.
SUMMARY OF COVER: The following is only a summary of the main cover limits and you should read the policy document for the full terms and conditions.
HOLIDAY CANCELLATION INSURANCE: including loss of deposit, curtailment (covering all holidaymakers). Coastal Cottages of Pembrokeshire Ltd provides a complete holiday service which includes a comprehensive Holiday Cancellation Insurance. This gives you a refund of your rent paid (deducting an administration charge of £50.00 + VAT), if you have to cancel or curtail your holiday due to circumstances such as unexpected illness, jury or witness service, redundancy or an unexpected posting or cancellation of leave by HM Armed Forces or HM Police. Download Policy
Section Limit (up to) – per Person
1. Loss of Deposit, Cancellation, Curtailment cost of the holiday (maximum £6,000)
OPTIONAL PERSONAL TRAVEL & VEHICLE BREAKDOWN COVER:Coastal Cottages of Pembrokeshire Ltd have worked very hard to ensure you a choice of the finest cottages in Wales, excellent knowledge of the properties and the area and can help you choose the cottage and location to suit your requirements. We cannot, however, prevent accidents happening and it is for this reason that we have negotiated a full package which will cover all members of your party (and all cars in your party) at one extremely competitive price. Every member of your party is covered by your Insurance Plan (unless you say NO on the booking form). Download Policy
Section Limit (up to) – per Person
Loss of Deposit, Cancellation, Curtailment cost of the holiday (maximum £6,000)
1. Medical Repatriation & Other Expenses
Medical repatriation £25,000 (excess per person £40)
Emergency accommodation £500
Visit by close relative £500
Transportation of deceased £1,500
Hospital inconvenience benefit £25 per day/£500 in total.
Repatriation of vehicle/personal possessions £1,000
Additional assistance - reasonable costs
2. Personal Accident
Loss of eye(s), limb(s) £15,000
Permanent physical disability £15,000
3. Personal Liability
(Damage to accommodation £2,000,000 per Party,
excess per Party £100)
4. Personal Possessions & Personal Money
£1,500 (excess per person £40)
Money £250 (excess per person £40)
5. Unexpected Events
Travel Delay – over 6 hrs £30
Polluted Beaches £30 per day/£150 in total
Catastrophe cover £1,000
Nuisance cover £1,000
6. Vehicle Breakdown
a. Labour charges – roadside assistance £200 – per Vehicle
b. Vehicle hire £75 per day/£750 in total – per Vehicle or
Alternative driver £75 per day/£750 in total – per Vehicle or
Rail or Coach Fares Overall cost – per Vehicle
Hotel costs £50 per day
Vehicle recovery Overall cost – per Vehicle
NOTE: under Section 6. Vehicle Breakdown - cover will only be provided under a. OR b. Where cover is provided under b. the maximum amount payable shall not exceed £3,000.
POLICY EXCESS:Under some sections of your policy, you will have to pay an excess. This means that you will be responsible for paying the first part of the claim for each person insured, for each section, for each incident. The amount you have to pay is the excess.
If you have paid the excess waiver premium, the standard excess is reduced to Nil, in the event of a claim.
PREMIUMS: Remember, the premiums are charged per week, not per person. You should include the following premium with your initial deposit:
One week holiday £20.00
Short break £10.00
Subsequent weeks charged at £20.00
All premiums include Insurance Premium Tax at the current rate.
All details correct as at date of print but subject to change without notice.