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printable Proposal form - Single trip (PDF)
printable Proposal form - Worldwide Multi trip (PDF)
printable Proposal form - European Multi trip (PDF)
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The above files require you to have Adobe Acrobat Reader installed to read them. Get acrobat reader free hereey Facts
- This is a travel insurance
policy summary only and does not contain the full terms and conditions of the
contract.Full terms and conditions can be found in the full policy wording (
copy available on request ) enclosed with your policy validation slip. Holiday
Services Ltd is authorised by the Financial Services Authority ( FSA ), Firm
Reference Number 309833. We offer a selection of policies and are not giving
advice on just one scheme, other schemes can be seen on this site. The
Insurers - Fortis Insurance who are regulated and authorised by the
Financial Servies Authority ( FSA ). Single Trip and Annual Multi Trip
Cover
- The following details apply to the HX/ Fortis Scheme, Premier Cover Single
Trip of up to 185 days duration, Annual Multi Trip of up to 31 or 60 days
duration. The cancellation cover starts when cover is purchased, all other
sections of cover start on the date of travel shown. When the validation slip is
attached, the policy document becomes a contract between you and Fortis Insurance. It is the basis on which Fortis Insurance will settle any claim. You must have
read the Medical Exclusions and Important Conditions before your cover can
start. Significant Features and Benefits - The policy wording gives full
details of the features and benefits of the cover provided under each section of
the policy. The policy wording also has a table of benefits to give an overview
of the sections of cover, the maximum sums insured and the amount of excess if
it applies to those sections. The following is a summary of cover only -
Principal Exclusions or
Limitations. As
with all insurances, there are exclusions and limitation to the cover provided.
These are detailed in the policy wording after each section of cover or under
general headings. You should check if your own requirements and circumstances
are unaffected by them. If you have any queries in the first instance contact
Holiday Services. Health - Health restrictions apply to some sections of
this policy. Please refer to the Medical Exclusions and Important
Conditions below as you must keep to these conditions to have the full
protection of your policy. If you do not we ( Fortis Insurance ) may cancel
the policy or refuse to deal with your claim, or reduce the amount of any
payment we make. If you do not declare a condition of yours or someone upon who
successful travel may depend, a subsequent claim may not be met. See the
Sections A, B and C below under the section How To Apply. If after purchasing
these insurances, there is a change in health and you can no longer agree to the
declaration, a subsequent claim may not be met. Your policy does not cover you
if you have a terminal condition, are travelling against medical advice or to
get medical treatment abroad.
Dangerous Activities
- your policy does not automatically cover you for all activities/sports. If you
are going to take part any activity or sport that may be considered dangerous
please contact Holiday Services. Personal Belongings, Money and Documents.
Your Policy provides cover for loss, damage or theft of your personal
belongings, money and documents. However, we ( Fortis Insurance) may take an
amount off for any claim settlement for age, wear and tear. The policy also
contains maximum amounts that can be claimed for individual items, valuable
items and cash. If you have property that exceeds the maximum amounts in the
policy you may wish to insure such items under specific property insurance, such
as household all risk policies. What happens if I take out cover and then
change my mind? You can cancel these insurances within 14 days from the date
of policy issue and certificate validation ( less a Holiday Services admin. fee
of £2 per policy ), providing no claim has been made and your travel has not
already started. No refund is available after the 14 day period. How to make
a Claim - You should contact Fortis Insurance 0870 844 2807 quoting your validation
slip number. You may have to provide documentation to support your claim. All
details of how to make a claim will be included in the Policy Wording.
Medical Emergencies Overseas - if you have a medical emergency on your trip
please contact 0044 2380 644633. NB (a) if you need treatment in Australia or NZ, you
must go to a state hospital and register with Medicare. This will entitle you to
some free treatment. (b) If you are travelling in Europe, get a current valid E
111 Form or similar as required from your main post office and fill it in. This
will entitle you to some free treatment. What to do if you have any
complaints
- If you have any complaints about your policy in the first instance contact
the broker, Holiday Services Ltd .You could then contact Customer Relations,
Holiday Extras, Newingreen, Hythe, Kent CT21 4JF. 0870 844 2409. If your
complaint cannot be resolved at this stage, contact the Head of Customer Care, Fortis Insurance Ltd, Fortis House, Tollgate, Eastleigh, SO53 3YA. If you have
received a final response and are still not satisfied, you may refer your call
to the Financial Ombudsman Service ( FOS ), Insurance Division, Financial
Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Full
details will be included in your policy. Financial Compensation Scheme. In the event that Fortis Insurance Ltd is unable to meet it's liabilities, you may
be entitled to compensation from the Financial Services Compensation Scheme.
More information about this can be obtained from Customer Services on 0870 844 2807.
How to apply
- Important -
please refer to the information given below -
A Pre-existing medical
conditions B Waiting
Lists and tests C
Important Conditions. If nobody requiring cover needs to contact the Medical
Screening Line you can print off the correct proposal form ( Single Trip or
Annual Multi Trip Form ) and send this to Holiday Services enclosing the
premium(s) as required. If in doubt after reading these conditions
call the Medical Screening Line on 0845 458 0718 ( this number is charged at
local call rates only ), Monday - Saturday 9am - 5pm. Tell them
which policy you want to take out, Premier Cover Single Trip or Worldwide
Annual Multi Trip and that you have not yet taken out a policy but have a query
regarding a pre-existing medical condition or related matter after reading
A, B and C below. NB The Medical Screening Line are only concerned with
queries regarding cover for medical related queries
and they cannot issue your policy. You need to complete the proposal
form (which you can print out on this site) and send this to Holiday
Services together with the premiums due. The Medical Screening Line should be
able advise you if they can include cover for any declared condition(s). You
may be accepted for cover at normal rates, you may have to pay an extra
premium to cover the declared condition(s) or there may be an increased excess
on some sections of the policy. Purchase of excess waiver does not
remove any special excess as advised by the Medical Screening Line.
Any decision from the Medical Screening Line only lasts for a maximum of
14 days ( providing your medical condition does not change in this time ) so you
will need to send your proposal form with premiums due to Holiday Services
within 10 days. Doctors letters are not required but you must not
travel if your doctor advises you not to at any time before your trip.
Please enter any Medical reference Number given to you by the Medical Helpline
on the place required on the proposal form. Please ensure that you have
advised the Medical Helpline which type of policy you require eg Premier Cover,
WW Annual Multi Trip or other. If you have to pay an additional premium
please note that this is paid direct to the Medical Helpline as
soon as you receive your policy from Holiday Services or have a policy
number. You can call them and pay any extra amount due by credit/debit card. Do
not add this extra amount to the normal premiums required by Holiday Services.
Medical Exclusions and Important Conditions
- please read. If you are not sure of your cover regarding any medical condition
or medication after reading the following section, contact the Medical Screening
Line and they should be able to check this for you.
Pre-existing medical conditions
-
You will
not be covered under the following sections in the circumstances shown below -
Medical and other expenses ( including hospital benefit ), Loss of deposit or
Cancellation, Curtailment ( cutting short your trip ), Personal accident and
Personal liability.
We will
not provide cover if you have -
*
ever had any respiratory
condition ( relating to lungs or breathing ), heart condition, stroke or cancer.
for which you have ever received treatment ( treatment includes surgery, tests
or investigations by a doctor, consultant or specialist, and prescribed drugs or
medication ) or -
* had any
medical condition within the last 12 months for which you have received surgery,
in-patient treatment or investigations in a hospital or clinic,
or for which you are taking
prescribed medication.
However,
you can call The Medical Screening Line on 0845 458 0718 and they may
agree to provide cover, but they must confirm this to you in writing.
B
Waiting lists and tests.
If you are
on a waiting list for, or know that you need surgery, in-patient treatment or
tests at a hospital, clinic or nursing home, we will not provide cover under the
following sections of the policy for any claims arising from that need - Medical
and other expenses ( including Hospital Benefit ), Loss of deposit or
Cancellation, Curtailment, Personal accident and Personal Liability. ( NB if you
are already on a
transplant list and have to cancel your trip to have a transplant, you will be
unable to claim for any cancellation charges. ) If your treatment is completed,
or if you receive the results of tests
after we have issued your
policy but before your trip starts, you should call the Medical Screening Line
as shown in the paragraph A above.
C
Important Conditions.
This insurance will not cover you in the following circumstances. At the time of
taking out the policy if you -
1 have a
terminal illness
2 have not
been permanently living in the UK for at least the last 12 months
3 are 70 or over and
buying a Worldwide Annual Multi-Trip Policy
3 are 55
or over and taking a European Annual Multi Trip Policy
At any
time if you -
1 are
traveling to get medical treatment abroad
2 are
expecting to give birth before you arrive home or within eight weeks of arriving
home
3 are not
registered with a UK doctor
4 are taking a one way
trip
Excess
- You will pay an excess
under most sections of this policy. If you claim under mote than one section,
you will pay an excess for every section you make a claim for. Excess applies to
every claim for every incident for each person named on the validation slip.
Policy excess is up to a maximum of £75 per insured ( for some claims it will be
less than this.) For anyone aged 65 plus an excess of £100 applies if you are
claiming for medical and other expenses. Excess Waiver - If you have purchased
excess waiver, you do not have to pay any excess. The excess waiver can only be
purchased at the same time the policy is issued, and is not available for
European Annual Multi Trip or Standard Cover. Even if you have bought excess
waiver you will still have to pay any increased excess imposed by the Medical
Screening Line due to a pre-existing medical condition or related matter.
NB if you have to cancel
or curtail ( cut short ) your trip because of something you knew about but did
not tell us when you took out your policy ( eg illness of a close relative ) you
may not be covered if you make a claim because of this. If you need to call the
Medical Helpline you should do so immediately. You have a 14 day return of
premium guarantee. ( Full Refund less an admin. charge of £2 )
Other
Insurance Trap!
- it is recommended that everyone travelling together insures together on the
same policy especially if travelling as a family group. When one person opts for
specialist cover and the rest of the party insure buys other insurance, all
claims could be refused under the
other insurance if there is a claim connected with one person
insuring separately, eg if the trip has to be cancelled, curtailed or if there
is a problem during your trip with regard to the medical condition of the person
insuring separately. Travelling together? Insure together! Fortis Insurance offer
a reliable 24hr Worldwide Assistance Service. You must keep to the policy
conditions enclosed with your certificate to have the full protection of your
policy. If you do not Fortis Insurance may cancel your policy or the Claims
Service could refuse to deal with your claim, or reduce the amount of any
payment for a claim.
PREMIER COVER (
Single Trip ) -
NB all ages are as on date
of issue of your policy. Policy valid if taken out before 30th November 2005 for
travel commencing on or before 31 October 2006. Maximum trip length 185 days.
Include date of return landing in UK
in number of days cover required.
Important - Ages are
as on the issue date of your policy or Start Date of your policy if an Annual
Multi Trip Policy.
Holiday
Services Ltd, registered in
England and
Wales No 3456407
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