You're taken care of…
...with policies that cover you even if you are out driving, mountain biking, windsurfing or just relaxing on the beach.
Terms and conditions apply, see policy for full details.
Our priority is peace of mind and a relaxing stay for you and your family. We strongly advise that you take out appropriate insurance. You may choose to purchase the wide-ranging and competitive personal travel and/or motor breakdown cover we offer. For overseas bookings, it is a condition of booking that customers have personal travel insurance. If you purchase travel insurance separately you must provide details of your own policy and this must offer at least equal benefits to the policy we offer.
Insurer
Travel Insurance Facilities plc and insured by Union Reiseversicherung AG, UK Branch (URV). URV are authorised in Germany by BaFin and subject to limited regulation in the United Kingdom by the Financial Services Authority and in the Republic of Ireland by the Insurance Regulator.
Telling us about relevant facts
Before you travel you must tell us about anything that may affect your cover for example an existing medical condition. If you do not tell us about something that may be relevant, your cover may be refused and we may not cover any related claims.
Policy document
The policy wording gives you full details of what is and what is not covered and what to do if you need to claim. It is very important that you read the whole of this policy before you travel and make sure the cover is suitable for you. Please make sure that you take it on holiday with you in case of an emergency. 'A copy of the policy wording is available on request.
Policy limits
Each section of the policy shows the most you can claim but other limits may apply. For example under the Personal Possessions Section there are other specific limits for any one item and for valuables (including photographic equipment). If you intend to take expensive items with you please check that you are fully covered.
Conditions and exclusions
Your policy does not cover all possible events and expenses. There are conditions and exclusions that apply to individual sections of the policy and general conditions and exclusions that apply to the whole policy.
Health exclusion
This insurance may not cover claims arising from your pre-existing medical conditions. Please read the following questions carefully:
1. Have you, or anyone travelling with you, ever had treatment for:
- any heart or circulatory condition
- a stroke or high blood pressure
- a breathing condition (including asthma)
- any type of cancer
- any type of diabetes
2. In the last two years - have you, or anyone who is travelling with you, been treated for any serious or re-occurring medical condition, asked to take regular prescribed medication, or referred to a specialist or consultant at a hospital for tests, diagnosis or treatment?
If you have answered 'Yes' to any of the above questions you must tell the insurers using their help line.
You must also tell the insurers if you are waiting for tests or treatment of any description; or your doctor alters your regular prescribed medication.
PLEASE NOTE - Insurers are unable to provide cover for:
- psychological conditions such as stress, anxiety, depression, eating disorders or mental instability.
- any claim arising from a known pre-existing medical condition of a close relative or a close business associate or any recognised complication caused by the pre-existing medical condition.
Hazardous activities
If you are going to take part in any hazardous sports or activities you should check that the policy covers you.
Cancellation rights
If your cover does not meet your requirements, please return the documentation within 14 days of receipt and your premium will be refunded in full unless you have travelled, made a claim or intend to make a claim.
Policy excess
Under some sections of your policy, you will have to pay an excess. This means that you will be responsible for paying the first part of the claim for each person insured, for each section, for each incident. The amount you have to pay is the excess.
Making a complaint
The policy contains a complaints procedure which tells you what steps you can take if you wish to make a complaint.
Children under 4 are covered free. Child rate applicable for ages 4-18 when accompanied by an adult. Family = 2 adults and all their children age 4-18. Vehicle must be less than 15 years old. All premiums include Insurance Premium Tax at the current rate.
You can choose and buy the best policy for you when booking any holiday cottage. Wide-ranging cover starts at just £23.50 per week per person.
| Premiums | ||||||
|---|---|---|---|---|---|---|
| Nights | Adult | Child 4-18 years |
Family | Vehicle inc baggage | Family & vehicle inc baggage | Days |
| 5 | £14.50 | £7.50 | £36.00 | £24.50 | £53.00 | 6 |
| 7 | £23.50 | £12.00 | £58.50 | £40.00 | £87.00 | 8 |
| 14 | £30.50 | £15.50 | £75.50 | £46.00 | £106.00 | 15 |
| Additional week | £7.00 | £3.50 | £17.00 | £6.00 | £19.50 | |
| Summary of cover | |
|---|---|
| Here’s a summary of the main cover limits. You can find full terms and conditions in the main policy document. | |
| Personal travel insurance (per person limit) | |
| Cancellation or curtailment | Final invoice cost |
| Supplier protection | £1,000 |
| Emergency medical & associated expenses | £5,000,000 |
| Loss of passport | £500 |
| Delayed personal possessions | £100 |
| Personal possessions | £1,500 |
| Personal money | £500 |
| Personal accident | £15,000 |
| Missed departure or missed connection | £500 |
| Delayed departure | |
| - delay | £100 |
| - abandonment | £5,000 |
| Personal liability | £5,000,000 |
| Additional expenses | |
| - beach closure | £75 |
| - catastrophe | £1,000 |
| - holiday disturbance | £1,000 |
| Legal expenses | £25,000 |
| Prevention of cruising | £1,500 |
| Pet care | £200 |
| Winter Sports cover | |
| - Ski pack | £300 |
| - Ski equipment | £500 |
| - Piste closure | £250 |
| Motor breakdown insurance (per vehicle limit) | |
| Cover before you leave | |
| - Breakdown assistance | £500 |
| - Replacement vehicle | £1,600 |
| Emergency roadside repairs and getting to the garage | £500 |
| Getting you home or continuing your journey | £1,600 |
| Spare parts delivered for essential repairs | All reasonable costs |
| Personal possessions | £500 |
| Getting the vehicle back | All reasonable costs |
| Collecting the vehicle from Continental Europe | All reasonable costs |
| If there is no qualified driver available for the insured vehicle | All reasonable costs |
| Chauffeur hire | £1,600 in total |
| Loss or damage to your tent | £400 |
| Home car hire | £150 |
| Essential telephone costs | £10 |
| THE MAXIMUM AGGREGATE AMOUNT PAYABLE FOR ABOVE SECTIONS IS £3,000 | |
| Customs duty cover | £2,000 |
| Guarantee of Spanish bail bond | £1,000 |
| Legal advice and expenses | £20,000 |
| Missed Motorail connection | £750 (Per Insured Person) |
| General average indemnity | £2,000 |
| All details correct as at date of publishing but subject to change without notice. | |
French Country Cottages is a trading name of The Hoseasons Group Ltd, Spring Mill, Stoney Bank Road, Earby, Barnoldswick, Lancashire, UK. The Hoseasons Group Ltd is authorised and regulated by the Financial Services Authority (FSA) to deal in and arrange insurance. The Hoseasons Group Ltd’s FSA registration number is 312463. You can check this information on the FSA’s register by visiting the FSA’s website www.fsa.gov/register.
