 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
UNISON strongly recommends taking out insurance when taking a break at Croyde Bay. What’s more UIA travel insurance in conjunction with Fortis Insurance Ltd is tailored to your needs giving you the best value cover.
Travel insurance premiums per person:
 |
 |
 |
Adults (18+) |
£10.00 £5.00 FREE |
£7.50 £3.75 FREE |
| *Children can only take out insurance if travelling with an insured adult. | ||
Important Notice
Your travel policy will be issued when your premium is received. It contains full details of the insurance contract and it is the basis on which all claims will be settled.
It is important that you read your policy carefully to fully understand the cover you have and the process you must follow to make a claim. We will therefore automatically add the insurance to the cost of your holiday, if you prefer us not to include the insurance please tick relevant box on the enclosed booking form.
We must draw your attention to the important features of your policy including:
• Conditions and exclusions: There are conditions and exclusions which apply to individual sections and general exclusions which apply to the whole policy.
• Personal belongings: Payment for baggage claims will be based on the value of the items at the time of the loss, not the cost of replacing them.
• Date recognition failure: Your policy contains exclusions for losses arising from the failure of equipment to recognise the correct calendar date. Please read the general conditions for details of the exclusions that apply.
• Policy limits: Each section of the policy shows the most you can claim. Some sections also include other specific limits, for example, for any one item or for valuables in total. You are advised to check the policy if you intend taking expensive items with you.
• Excesses: Under most sections of your policy, claims will be subject to excess. This means that you will be responsible for paying the amount shown when claiming under these sections of your policy.
• Reasonable care: You must take all reasonable care to protect yourself and your property and to act as though you are not insured.
• Complaints: What to do if you have a complaint –
If you have experienced a problem with any part of our service, we will sort this out quickly and fairly as possible.
Step 1. Who to contact if your complaint is about your insurance – phone your tour operator to report your complaint
Who to contact if you have a complaint about a claim –
call your claims handler first. You will find the claims handler’s name and phone number on any letters they have sent you.
Step 2. If your problem has not been sorted out at step 1, please contact our Customer Service Adviser who will make sure that the issue is dealt with at a senior level. You can write to Fortis at the address below or email them via their website at www.fortisinsurance.co.uk/complaints (please include your policy number and claim number if appropriate). Customer Services Adviser, Fortis Insurance Limited, Fortis House, Tollgate, Eastleigh, Hampshire, SO53 3YA.
Step 3. If this matter has still not been sorted out, you can write to Barry Smith, Chief Executive at the above address. If you are not satisfied with our final decision, you can write to the Financial Ombudsman Service at South Quay Plaza 2, 183 Marsh Wall, London E14 9SR.
Service standards. We will respond to any letter you send us within two working days of receiving it.
The letter will tell you who will be dealing with your complaint and when you should expect a reply.
• Dangerous activities: If you are going to take part in any activity which may be considered dangerous please read your policy which explains which activities are automatically covered by your policy. If your activity is not listed please contact your booking agent.
• Premium refund: You can cancel this policy within 14 days from the date you receive the policy wording and policy schedule. We will then refund your premium in full. No refund of premium is available after the 14 day period. A refund of premium is only available for a single trip policy if the period from the date of issue of the policy to your scheduled return date home is greater than 28 days. If you want to cancel your policy, please contact your booking agent.
Your policy is governed by English law unless otherwise agreed.
Please make sure that you read your policy carefully and remember to take your insurance documents with you on your trip.
• Insurers: The insurers are: Fortis Insurance Limited and for Section 6 – Legal Expenses, DAS Legal Expenses Insurance Company Ltd are regulated and authorised
by the Financial Services Authority.
• Medical Conditions: The policy contains restrictions concerning existing medical conditions. Please ask your booking agent for details if you need further information.
 |
 |
 |
| Personal accident: If you have an accident on your holiday which causes death, loss of limb or you are unable to work again, the personal accident benefit may be payable. | Up to £10,000 |
Nil |
| Personal belongings: If your belongings are accidentally lost, stolen or damaged. There is a limit of £200 for any one item, pair or set. Valuables, sports equipment, CDs and cassettes are covered up to £300 in total. | Up to £1,000 |
£25 |
| Money and Documents | Up to £250 |
£25 |
| Personal liability: If you accidentally injure someone or damage property and you are held legally liable. | Up to £1 million |
Nil |
| Additional expenses: If you are taken ill during the holiday we will pay extra accommodation and/or travel costs for you and a companion. | Up to £1,000 |
£25 |
| Legal expenses: Legal costs if you have to claim for compensation or damages for personal injury. | Up to £10,000 |
Nil |
| If your holiday is cancelled | Up to £1,000 |
£25 |
| If your holiday is cut short | Up to £1,000 |
£25 |