 This insurance has been specially arranged for Balkan Holidays by Voyager Insurance Services Limited and is underwritten by UK Underwriters Ltd.
Balkan Holidays is an Appointed Representative of ITC Compliance Limited which is authorised and regulated by the Financial Services Authority (FSA).
Summary of cover
DEMANDS AND NEEDS
This travel insurance policy will suit the Demands and Needs of an individual, or group (where applicable) who have no excluded pre-existing medical conditions, are travelling to countries included within the policy terms and who wish to insure themselves against the unforseen events detailed in the cover section below. Subject to terms and conditions and maximum specified claim limits.
You may already possess insurance(s) for some or all of the features and benefits provided by this product; it is your responsibility to investigate this. We will not provide you with advice about the suitability of this product for your individual needs but we will be happy to provide you with factual information to assist you in making an informed buying decision.
We would like to draw your attention to some important features of
your insurance including:
INSURANCE DOCUMENT
You should read this document carefully. It gives full details of what is and is not covered and the conditions of the cover. Cover can vary from one policy to another so you should familiarize yourself with this particular insurance.
CONDITIONS AND EXCLUSIONS
Specific conditions and Exclusions apply to individual sections of your insurance, whilst General Exclusions and Conditions will apply to the whole of your insurance.
HEALTH
This insurance contains restrictions regarding preexisting medical problems concerning the health of the people traveling and of the other people upon whose health trip depends. You are advised to read the document carefully.
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. Allowance will be made for their age and likely condition.
LIMITS
This insurance has limits on the amount the insurer will pay under each section. Some sections also include other specific limits, for example, for any one item or for valuables in total.
EXCESSES
Under some Sections of this insurance, claims will be subject to an excess. This means you will be responsible for paying the first part if the claim under each applicable section.
REASONABLE CARE
You need to take all reasonable care to protect yourself and your property, as if you were not insured. Any amounts the insurers will pay for property left unattended in a public place or unattended vehicle is very limited, as specified in the wording.
DANGEROUS SPORTS & PASTIMES
You may not be insured if you are going to take part in dangerous sports or pastimes where there is a generally recognized risk of injury. Please check that the insurance covers you, or ask your agent.
COOLING-OFF PERIOD
Your policy contains a 14 day cooling-off period during which you can return your policy and get a refund if you have a justifiable reason for being dissatisfied with the cover it provides.
MATERIAL FACTS
You must advise us of all materials facts. A material fact is one that is likely to influence the insurers in accepting your insurance. This could be the state of your health or that of a close relative or any planned hazardous activities. This requirement applies to any changes in these things prior to departure. If you are in doubt that a fact is “material” you should ask us. Please contact Voyager Insurance Services on 01483 562662. If you do not tell us this may result in your claim being invalid. Please note that calls may be recorded.
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