| 1) |
All prices are subject to 17.5 per cent Insurance Premium Tax as made clear by extrasure. |
| 2) |
To ensure full protection, insurance cover should be arranged at the time that you book your holiday. |
| 3) |
Red Dot will request information about your insurance cover when you book any flight holiday with us. |
| 4) |
Basic travel insurance offered free by some credit-card companies often only offer limited protection. |
| 5) |
Payment: Ask for your travel
insurance to be built into your holiday quote. A
policy can be provided with your Confirmation Invoice. |
| 6) |
Check whether your level of extrasure cover is adequate for activity holidays. Cricket tour groups, for example, considering alternative insurance cover, should consider one question: are you insured for cricket matches? |
| TRAVEL INSURANCE
- GENERAL ADVICE |
|
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
|
