None of us likes to think that our best-laid holiday plans might go awry, or what happens if they do, but a comprehensive and reputable travel insurance policy is essential to your enjoyment and peace of mind while on holiday.
We have worked closely with Fogg Travel Insurance Services Limited (Fogg Travel), whose cover is among the most comprehensive available, to offer you single-trip travel insurance cover which is especially tailored for your Inntravel holiday, and a great-value annual multi-trip policy suitable if you make several different kinds of trip during the year. In addition to emergency medical assistance, the policy provides cover for cancellation and travel disruption in many cases. If you are taking a walking or cycling holiday, it even covers you if you are unable to walk or cycle due to illness or injury, and, for cycling holidays, provides cover of up to £500 if your hired bicycle is extensively damaged or stolen while securely locked to an immovable object. For skiing holidays, it provides wide-ranging winter cover, including downhill ski cover.
We consider adequate travel insurance to be essential (including for holidays to Ireland). If you decide not to purchase our insurance, we require you to provide us with details of your alternative policy (insurer, policy number and medical emergency telephone number) so that we can assist if the need arises while you are on holiday.
You should ensure that the insurance cover you purchase is at least equivalent to our policy and adequate for your particular needs. We will not accept liability for any damage, costs, losses or expenses which you incur as a result of your failure to do this; we do not check alternative insurance policies. If you do not inform us of your alternative arrangements, we will automatically add our insurance premium to your invoice. In this case, you must make sure our policy meets your needs, paying particular attention to existing health conditions and any planned activities, if different to those offered by us.
Fogg Personal Holiday Insurance - Summary
Inntravel are an Appointed Representative of Fogg Travel Insurance Services Limited (Fogg Travel). This policy is underwritten by Tokio Marine Europe Insurance Limited (TMEI) and Union Reiseversicherung AG (URV). Fogg Travel, TMEI and URV are authorised and regulated by the Financial Conduct Authority (FCA). As an Appointed Representative, we are able to offer you, and arrange, travel insurance cover especially tailored for our holidays. Benefits include:
• 24-hour medical emergency service
• cover if you have to cancel before departure, including through reason of redundancy
• cover if you are unable to walk or cycle for all or part of your walking or cycling holiday due to injury or illness
• on skiing holidays, cover if you are unable to use your pre-paid ski pass, ski hire or ski school fees due to injury or illness
• cover for loss or damage of personal baggage, including your hired bicycle
• cover for loss or theft of money and passport
• cover for travel delay, including the cost of getting you on another plane, ferry or train if you miss any of your travel connections because of a delay to pre-booked public transport, or a road traffic accident or vehicle breakdown delaying the vehicle in which you are travelling
• cover available for persons aged up to 84 years at the date of departure (a premium rate applies to persons aged 65 years and over)
Travelling more than 2 or 3 times a year? Our great-value annual multi-trip insurance offers the following advantages:
• cover for unlimited number of trips of up to 31 days per single trip
• family members (2 adults plus dependent children under 18) can travel separately
• up to 17 days’ winter sports cover (actual skiing days) - or a reduced premium if this is not required
• business travel is included (excluding manual work)
• UK trips of at least 2 nights and 50 miles from home (in pre-booked accommodation) are included
• cover available for persons aged up to 64 years at the date of issue/commencement of your policy
You will receive the full policy wording with your Booking Confirmation and Invoice. It is essential that you read your policy wording. As with most insurance policies, you are only insured for an event which occurs after you have purchased the cover. Please therefore carefully read the paragraph headed ‘pre-existing medical conditions’ below. As you would expect from Inntravel, in the unlikely event that this cover is not suitable for you, you may return it to us for a full refund, provided you return it within 14 days of receipt and you have not travelled or made a claim.
Pre-existing medical conditions
If you, or anyone who is travelling, has ever had treatment for any heart or circulatory condition, a stroke or high blood pressure, any breathing condition (including asthma), any type of cancer, any type of diabetes, any existing injury or other serious or re-occurring medical condition, any condition requiring long-term prescribed medication or if you are receiving or awaiting investigation for any medical condition you must advise the Referral Helpline as per the policy terms to see if additional cover is available. The cancellation and emergency medical cover may be reviewed if your health changes between booking and travel. Insurers reserve the right to impose terms. You will receive confirmation in writing of their decision. In most cases, cover is provided at no extra cost. If special terms are necessary, these will be explained to you and confirmed in writing.
Summary of cover
| |
Maximum Limit |
Excess |
| Pre-Travel Policy |
|
|
| Cancellation |
£5,000 |
£75 |
| Travel Policy |
|
|
| Travel delay/Abandonment after 12 hours |
£100/£5,000 |
nil/£75 |
| Missed departure |
£1,000 |
£75 |
| Personal possessions |
£1,500 |
£75 |
| Hired bike |
£500 |
£75 |
| Single article / valuables limits |
£250 |
£75 |
| Money (cash limit) |
£500 (£300) |
£75 |
| Loss of passport |
£250 |
nil |
| Emergency medical and repatriation expenses |
£5,000,000 |
£75 |
| UK only limit (UK residents) |
£10,000 |
£75 |
| Hospital stay benefit (amount per day) |
£500 (£25) |
nil |
| Inability to walk or cycle (amount per day) |
£150 (£15) |
nil |
| Curtailment |
£5,000 |
£75 |
| Personal liability |
£2,000,000 |
£75 |
| Personal accident |
£25,000 |
nil |
| Death limit under 16s |
£5,000 |
nil |
| Legal expenses (insured by DAS) |
£15,000 |
£75 |
| With Ski Cover |
|
|
| Ski equipment |
£700 |
£75 |
| Own or borrowed single set or item |
£300 |
£75 |
| Hired single set or item |
£250 |
£75 |
| Ski hire charges |
£250 |
nil |
| Unused ski pack (amount per day) |
£150 (£15) |
nil |
| Piste closure (amount per day) |
£200 (£20) |
nil |
| Adverse weather travel delay (amount per day) |
£150 (£30) |
nil |
Premiums
Details and prices are valid for policies issued between 1 December 2012 and 30 November 2013 for departures up to 31 December 2014. Premiums are per person, inclusive of Insurance Premium Tax at 20%.
SINGLE TRIP INSURANCE
Maximum age limit 84 years (limited to 31 days’ trip duration for persons 65-74 years, 24 days’ for persons 75-84 years). Infants under 3 years – free.
| |
Adult |
Adult |
Child |
Family |
| |
18–64yrs |
65–84yrs |
3–17yrs |
|
| EUROPE (INCLUDING IRELAND) without ski |
| up to 5 days |
£21 |
£42 |
£11 |
£48 |
| up to 10 days |
£29 |
£50 |
£15 |
£66 |
| up to 17 days |
£34 |
£68 |
£17 |
£78 |
| up to 24 days |
£42 |
£84 |
£21 |
£94 |
| EUROPE (INCLUDING IRELAND) with ski |
| up to 5 days |
£40 |
£80 |
£27 |
£92 |
| up to 10 days |
£54 |
£104 |
£35 |
£122 |
| up to 17 days |
£62 |
£122 |
£41 |
£140 |
| WORLDWIDE – USA, CANADA, CARIBBEAN |
| up to 10 days |
£64 |
£128 |
£32 |
£144 |
| up to 17 days |
£80 |
£160 |
£40 |
## |
| up to 24 days |
## |
£204 |
## |
## |
| WORLDWIDE – OTHER DESTINATIONS |
| up to 10 days |
£42 |
£84 |
£21 |
£94 |
| up to 17 days |
£52 |
£104 |
£26 |
£118 |
| up to 24 days |
£68 |
£136 |
£34 |
£152 |
| up to 31 days |
£78 |
£156 |
£39 |
## |
| UK |
| up to 5 days |
£11 |
£20 |
n/a |
n/a |
| up to 10 days |
£14 |
£27 |
n/a |
n/a |
| up to 17 days |
£18 |
£32 |
n/a |
n/a |
## We recommend that you take out worldwide annual multi-trip insurance, as the premium for the non-ski annual policy is more cost-effective and it covers you for the same things.
ANNUAL MULTI-TRIP
Maximum age limit 64 years
Including 17 days’ winter sports cover in any one year where applicable.
| |
Adult
(18–64yrs) |
Child
(3–17yrs) |
Couple
(18–64yrs) |
Family
|
| Europe – without ski |
£72 |
£36 |
£104 |
£132 |
| Europe – with ski |
£98 |
£49 |
£136 |
£156 |
| Worldwide – without ski |
£92 |
£46 |
£140 |
£165 |
| Worldwide – with ski |
£132 |
£66 |
£178 |
£198 |
CLAIMS AND QUERIES
Should you have any queries regarding these insurances (including claims) they should be referred to:
Fogg Travel Insurance Services Ltd
Crow Hill Drive
Mansfield
NG19 7AE
Tel: (01623) 631331
Email: info@foggtravelinsurance.com
FCA Register reference 307304. This can be checked at www.fsa.gov.uk/pages/register