Travel Insurance - Important Notice:
Under the Association of British Insurers General Business Code of Practice the person selling travel insurance must draw your attention to the important features of your policy which include;

Policy Document:
You should read the document carefully. It gives you full details of what is and what is not covered and the conditions of the cover. Cover will vary from policy to policy and insurer to insurer.

Conditions, Exclusions & Warranties:
Conditions and exclusions will apply to individual sections of your policy. While general exclusions, conditions and warranties will apply to the whole of your policy.

Health:
Your policy contains restrictions regarding pre-existing medical problems concerning the health of the people travelling and of other people upon whose health the trip may depend. You are advised to read the policy carefully.

Hazardous Activities:
If you are taking part in activities that present a risk of injury, including water sports, check that your policy covers you.

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 costs basis, unless otherwise stated in your policy. Your policy will set out what proof the insurer needs to support a claim.

Data Recognition Failure:
Your policy may contain exclusions for losses arising from the failure of equipment to correctly recognise the calendar date.

Policy Limits:
Most sections of your policy have limits on the amount the insurer 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.

Reasonable care:
You need to take all reasonable care to protect yourself and your property, as you would if you were not insured.

Fraud:
Your insurer may be recording details of claims on an anti-fraud register.

Complaints:
Your insurance policy will have in it a complaint procedure which tells you what steps you can take if you wish to make a complaint.

Cooling Off Period:
Your policy may have a cooling off period during which you can cancel the policy and get a refund if you have a justifiable reason for being dissatisfied with the cover it provides.

Your policy is governed by the law of England and Wales unless you and your insurers have agreed otherwise. The person selling you the travel insurance will tell you who your insurer is. The name of your insurer will also be shown on the insurance documents you receive. If you would like more information, ask the person selling the travel insurance, particularly if you feel that the insurance may not meet your needs. This documents is not a substitute for your policy. Please make sure you read your policy carefully.