Holiday / Travel Insurance - IMPORTANT INFORMATION

 

 

 

M H Elcock &. Son Ltd t/as Elcock Holidays is an appointed representative of Arthur J. Gallagher Insurance Brokers Limited which is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 7th Floor, 55, Blythswood Street, Glasgow, G2 7AT. Registered in Scotland. Company Number: SC108909.

 

We only offer travel insurance from a single insurer - ETI-International Travel Protection. This travel insurance is suitable for those who wish to insure themselves when travelling against the specified financial loss of unforeseen circumstances and events relating to your trip. A list of the covers and corresponding levels, as well as the main policy exclusions, can be found below.

 

Further details will be in your policy document, a copy of which is available on request. We have not provided you with any recommendation or advice about whether this product meets your specific insurance requirements. It is your responsibility to decide whether this policy suits your requirements. Should you require any further information, please contact Elcock Holidays.

 

 

 

Health Conditions

 

You are not required to declare your medical conditions. However, you must comply with the following conditions AT THE TIME OF TAKING OUT THIS POLICY to have full protection of your policy:

 

(1) You are not aware of any medical condition or set of circumstances that could be reasonably expected to give rise to a claim (for example the state of health of a close relative, Business Associate or any person on whom your travel plans depend)

(2) You are not receiving, or on a waiting list for, surgery, day case or in-patient treatment or investigations in a hospital, clinic or nursing home

(3) You are not (a) travelling against any health requirements stipulated by the carrier, their handling agents or any other public transport provider or (b) travelling against the advice of a Medical Practitioner or for the purposes of obtaining medical treatment abroad

(4) You been given a terminal prognosis

 

If your medical condition cannot comply with these conditions then any claim relating to that medical condition will not be covered.

 

 

 

General Exclusions

 

The policy includes some general exclusions relating to a variety of illnesses which are not covered. Although not a full list these include Alcoholism, drugs or drug addition, stress, anxiety or depressive conditions, psychiatric illness, terminal illness, AIDS, HIV, sexually transmitted disease, suicide or attempt thereat, deliberate exposure of danger or criminal act. Full Exclusions are listed in the policy document.

 

 

 

Cover and Cost

 

-  Cancellation Up to £2,000

-  Luggage Delay Up to £100

-  Delayed Departure (not UK) Up to £60

-  Medical Expenses &. Repatriation Up to £1,000,000

-  Personal Liability Up to £1,000,000

-  Missed Departure (not UK) Up to £200 (due to public transport only)

-  Curtailment &. Hospital Benefit  Up to £2,000

-  Personal Accident Up to £10,000

-  Legal Expenses Up to £5,000

-  Luggage Personal effects &. Money Up to £1,000 in all - £200 money, valuables

-  Loss of Passport Up to £200

 

 

 

Policy Excess

 

Deposits £10 excess. All sections, except Personal Accident, Hospital Benifit, Missed Departure, Legal Expenses and Personal Liability are subject to a £40 excess, per person, per claim.

 

 

 

Travel Insurance Premiums

 

Includes Insurance Premium Tax at the current rate.

 

Duration

UK

Jersey by Air

2 days

£12.00

 

3 days

£15.00

 

4 days

£17.50

 

5 days

£20.00

 

6 days

£21.00

 

7 days

£22.00

£34.00

8 days

£23.50

 

Infants under the age of 2 years Free - 2 - 15 year olds 25% discount on departure if travelling with an insured adult.

 

 

 

Material Facts

 

Your insurance is arranged on the basis of what you have told us and your insurer. Therefore, you must provide answers to all questions raised honestly, completely and to the best of your knowledge. If you’re in any doubt as to whether to provide any information please do so, to ensure that your policy is set up on the correct basis because if not it could mean that part or all of a claim may be unpaid. If any circumstances change throughout the policy term please advise us immediately so that we can ensure cover is still appropriate. If you fail to report claims promptly, or any circumstances which may lead to a claim, it may affect your ability to obtain a settlement. 

 

 

 

Cancellation Rights

 

If your cover doesn't meet your requirements, please let Elcock Holidays know within 14 days of receiving your policy document and return all your documents for a refund of your premium. Any premium already paid will be refunded to you providing you have not travelled, no claim has been made or is intended to be made and no incident likely to give to a claim has occurred.

 

 

 

Claims

 

Full details of how to make a claim and how to appeal should your claim not be successful can be found in the policy document.

 

 

 

Complaints

 

Should you have a complaint about the sale of your travel insurance policy, please contact The Branch Manager, Arthur J Gallagher Insurance Brokers Ltd, 6th Floor, Temple Circus House, Temple Way, Bristol BS1 6HG. Should you remain unhappy with our final reply, you may have the right to refer your complaint to the Financial Ombudsman Service, Exchnage Tower, London E14 9SR. Opening times are Monday to Friday - 8am to 8pm and Saturday - 9am to 1pm. Their telephone number 0800 023 4 567 and calls to this number are normally free for people ringing from a "fixed line" phone - but charges may apply if you call from a mobile phone. 0300 123 9 123 calls to this number are charged at the same rate as 01 or 02 numbers on mobile phone tariffs. These numbers may not be available from outside the UK - so please call us from abroad on +44 20 7964 0500.

 

 

 

Financial Services Compensation Scheme

 

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, with no upper limit. Further information is available from the FSCS.