We strongly recommend that you and all members of your party are adequately insured as soon as you book
your holiday. Indeed it is a condition of booking that you must have insurance cover at least equivalent to
that described below. We have arranged a special scheme through Wilsure Insurance Brokers with Travel &
Gerneral Insurance Services Ltd, underwritten by CNA Insurance Co. (Europe) Ltd. Below is a summary of
cover and benefits available under the insurance. An insurance certificate containing a more detailed summary
will be sent to you with your confirmation of booking. You may ask for a speciman copy of the insurance
conditions before purchase. The insurance will be subject to English law unless otherwise agreed.
Please see relevant holiday price panel for cost. All premiums are inclusive of 17½% Insurance Premium
Tax which is adjustable on any amendment.
A 24 hour medical emergency service is provided by Voyager Assistance Worldwide.
Section A Baggage/Personal Effects up to £1,500
Single article & Valuables each limited to £250 in all
Delayed Baggage (After 24 hours) up to £200
Section B Personal Money up to £500 (Cash limit - £200)
Section C Personal Accident up to £15000
Section D Cancellation/Curtailment up to £1500
Section E Medical Expenses up to £5,000,000
Section F Hospital Benefit £10 per day - up to £300
Section G Personal Liability up to £2,000,000
Section H Travel Delay
1) £20 For the first 12 hours
£10 For each 12 hours thereafter up to £100
2) Cancellation after 24 hours up to £1,500
Section I Missed Departure up to £200
Section J Legal Expenses up to £5,000
Section K Loss of Passport up to £200 Excesses
Sections A,B,D, E & H2 are subject to an excess of £35 per person per claim.
Loss of deposit - £10 per person per claim
Delayed baggage and Hospital Benefit - Nil
Should you need to make a claim, please contact our loss adjusters detailed below and request a claim form.
In all correspondence please quote that your insurance is with Crusader Holidays -
Van Ameyde & Wallis Ltd
34 The Mall, Bromley, Kent BR1 1TS
All claims must be submitted within 31 days upon arrival back in the United Kingdom.
Your (travel) insurers have to bring to your attention some of the important features of your insurance
policy, including:
Whilst this insurance is not subject to a health warranty, Underwriting Agents shall not be liable for claims -
WHERE AT THE TIME OF TAKING THIS INSURANCE:
A The person whose condition may give rise to a claim:
* Is suffering from anxiety or depression or from any previously diagnosed psychiatric disorder, or
* Is receiving, or on a waiting list for in-patient treatment in a hospital or nursing home, or
* Has received medical treatment as a hospital in- patient during the past six months prior to booking the
holiday unless he/she has obtained satisfactory advise on the advisability of taking the holiday, or
* Is expected to give birth before, or within eight weeks of the date of arrival home, or
* Is travelling against the advise of a Medical Practitioner or for the purpose of obtaining medical treatment
abroad, or
* Has been given a terminal prognosis.
B. The insured person is aware of any medical condition of a relative, close business colleague or any person
on whom the travel plans depend, which could reasonably be expected to give rise to a claim.
C. The insured person is aware of any other circumstances which could reasonably be expected to give rise
to a claim.
Policy Document: this gives you full details of what is and is not covered and the conditions of cover. You
must read the insurance policy carefully.
Condition, Exclusions and Warranties: conditions and exclusions will apply to the individual sections of your
policy while general exclusions, conditions and warranties will apply to the whole policy.
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 replacement cost basis. Your policy will set out what proof the insurer needs to support
a claim.
Policy Limits: most sections of the policy have limits on the amount the insurers will pay under that section.
Some sections also include other specific limits, for example for any one item or for valuables in total. You are
advised to check your policy if you intend taking 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 each 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.
Complaints: the insurance policy includes a Complaints Procedure which tells you what steps you can take
if you wish to make a complaint.
Fraud: it is a criminal offence to make a fraudulant claim.
Dangerous Sports or Pastimes: if you are going to take part in dangerous sports or pastimes where there is
a risk of injury, check that your policy covers you.
Cooling Off Period: Your insurance certificate contains a “cooling off” period of 14 days during which you can
return the insurance document and get a refund if you have a justifiable reason for being dissatisfied with the
cover it provides. The Insurance Policy will be subject to English Law unless agreed otherwise.
Please Ensure You Read Your Insurance Policy Carefully.
Failure To Comply With The Terms & Conditions Of The Policy May Result In Cover Being Restricted. |