Red Dot Tours would like to offer the following general advice about travel insurance:

Policy document: You should read the document carefully. It gives you full details of what is and is not covered and the conditions of the cover. Cover will vary from policy to policy and insurer to insurer.

Conditions, exclusions & warranties: Conditions and exzclusions will aplly to individual sections of your policy while general exclusions, conditions and warranties will apply to your whole policy.

Health: Your policy contains restrictions regarding pre-existing medical problems concerning the health of the people travelling and of other people upon whose health the trip may depend. You are advised to read the policy carefully.

Hazardous activities: If you are taking part in activities that carry a risk of injury, such as cricket, check that your policy covers you.

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 replacent cost basis, unless otherwise stated in your policy. Your policy will set out what proof the insurer needs to support a claim.

Policy limits: Most sections of your policy have limits on the amount the insurer will pay under that section. Some sections also include specific limits, for example: for any one item or for valuables in total. You are advised to check your policy if you had intended to take expensive items with you.

Policy Excesses: Under most sections of the policy, claims will be subject to an excess. This means that you will be responsible for paying the first part of the claim. The amount you have to pay is the excess.

Reasonable Care: You need to take all reasonable care to protect yourself and your property, as you would if you were not insured.

Fraud: Your insurer may be recording details of claims on an anti-fraud register.

Complaints: Your insurance policy will have in it a complaints procedure which tells you what steps you can take if you wish to make a complaint.

'Cooling Off' period: Your policy may have a cooling off period during which you can cancel the policy and get a refund, if you have a justifiable reason for being dissatisfied with the amount of cover it provides.

General information: Your policy is governed by the law of England and Wales unless you and your insurer have agreed otherwise. Red Dot Tours will inform you who your insurer is. The name of the insurer will also be shown on the insurance documents you receive. If you would like more information, ask Red Dot Tours, especially if you feel the insurance may not meet your needs.

This information is not a substitute for your insurance policy. Acceptable insurance cover is obligatory on all tours run by Red Dot Tours Ltd