Holiday Insurance
We can offer you a special Travel Insurance Scheme (for UK and Eire residents only) arranged through Preferential Insurance Services Limited and underwritten by Optimum Underwriting Limited as Underwriting Agents for Groupama Insurance Company Limited. Preferential Insurance Services Limited, Optimum Underwriting Limited and Groupama Insurance Company Limited are regulated and authorised by the Financial Services Authority (FSA).You and all passengers travelling with you on a holiday featured in this brochure will be insured on payment of the insurance premium, providing you select our insurance when making your reservation. Full details of the terms, exceptions and conditions can be obtained from Bales Worldwide Limited. Please note, you will be required to provide material facts regarding your health when purchasing our insurance, which relates to you and anyone upon whose health the trip may depend. If you are not completely satisfied with the policy, once purchased, we offer a 14 day cooling off period.
We can offer either a Single Trip or an Annual Multi-Trip policy (premiums valid to 31st August 2008).
Single Trip
|
Holidays |
Europe |
Middle East & North Africa |
Rest of the World |
|
Up to 11 days
Up to 17 days
Up to 21 days
Up to 31 days
Each additional week |
£31.00
£36.00
£41.00
£45.00
£8.00 |
£38.00
£45.00
£53.00
£60.00
£10.00 |
£74.00
£88.00
£94.00
£107.00
£18.00 |
Clients aged 65 or over at the date of travel are rated at two and a half times the above premiums.
This policy is not available if you are aged 80 years or over at the time of travel.
All premiums are inclusive of 17.5% Insurance Premium Tax.
Annual Multi-trip Insurance
The Annual Insurance offered is excellent value for money and you will be covered on most worldwide overseas holidays taken within one year, subject to terms and conditions. However, the policy can only be bought at the time of the purchase of a Bales holiday.
Individual £141.00
Couple £189.00
Family £213.00
This policy is only available to persons under the age of 65 years at the date of issue. All premiums quoted above are inclusive of 17.5% Insurance Premium Tax.
Summary of cover provided for Single and Annual Multi-trip Insurance
1. Cancellation/curtailments: Limited to £3,000 per person.
The following amount will be deducted from each and every claim for each insured person - £50.
(Note: If your holiday price exceeds £3,000, additional cover is available on request at the time of booking).
2. Travel delay:
(a) £20 for the first full 12 hours' delay, £10 each full 12 hours' delay thereafter, up to a maximum payment of £100;
(b) abandonment after the first full 12 hours delay up to the amount under the Cancellation section. The following amount will be deducted from each and every claim for each insured person - £50.
3.Missed departure: Up to £750.
4. Personal accident: Death - up to £15,000; Permanent total disablement - £25,000.
5. Medical and other expenses & medical emergency assistance: Up to £5,000,000. The following amount will be deducted from each and every claim for each insured person - £50. The services of International Medical Rescue Emergency Services are included.
6. Medical inconvenience benefit: £20 per day whilst as an in-patient in hospital abroad. Up to a maximum of £500.
7. Personal property (hired, loaned, or entrusted property is not covered): Up to £1,500 to include - single articles limit of £250; valuables, eg jewellery, watches, furs and photographic equipment limited to £350 in all. The following amount will be deducted from each and every claim for each insured person - £50.
8. Delayed baggage: Up to £100 after 12 hours.
9. Personal money: Limited to £500 (limited to £250 for cash losses). The following amount will be deducted from each and every claim for each insured person - £50.
10. Loss of passport: Up to £300.
11. Personal public liability: Up to £2,000,000.
12. Hijack: Up to £1,000.
13. Mugging benefit: Up to £1,000.
14. Legal expenses: Up to £10,000.
Period of cover and exceptions: Operates during the holiday period for sections 2 to 14. Cover under Section 1 comes into force as soon as the booking is accepted.
Medical health requirements
This insurance policy is designed to cover you for unforeseen illnesses and accidents occurring during the period of insurance. Have you, anyone travelling with you or any person on whose health the trip depends (i.e. you would cancel or curtail your trip due to this person’s illness, injury or death):
1) suffered from any UNDIAGNOSED symptoms that may require investigation or treatment in the future?
2) been prescribed any medication, received any treatment, undergone any investigations or attended any consultations (with GP or specialist) for ANY medical conditions during the last 12 months (other than common colds or flu)?
3) ever been prescribed medication, received treatment or undergone investigations for:
i) a heart attack, angina, chest pains or any other heart condition?
ii) high blood pressure, blood clots, high cholesterol or any other circulatory disease?
iii) any form of stroke, Transient Ischaemic Attack (TIA) or brain haemorrhage?
iv) ever been diagnosed with a cancerous condition?
4) been placed on a waiting list for out/day/in-patient treatment, investigations or surgery?
5) been diagnosed with a terminal condition?
6) been diagnosed as suffering from anxiety or depression or any psychiatric condition before applying for this insurance. Please see General Exclusion 3) on page 19?
7) are you aware of any reason why the trip could be cancelled or curtailed, or of any Pre-existing condition which could result in a claim?
If you answer "YES" to any of the questions above at the time of taking out this insurance, or at any time between taking out the insurance and the start date of your trip, you must notify the Optimum Medical Helpline immediately on 0870 423 1281. Any claims relating to such conditions, which have not been declared, will not be covered by this insurance. If circumstances change after you have taken out this insurance, we reserve the right to alter the terms of this insurance based on the changed circumstances.
Cover for the conditions will only be provided following our acceptance. If you have any queries please do not hesitate to contact the Optimum Medical Helpline on 0870 423 1281.
Policy document
It is important to remember that the above details are only a summary of your cover available. A full policy document will be sent with your confirmation of booking (provided that the insurance premium has been paid). This document will detail full terms, conditions and exclusions. You should read it carefully.
"Cooling off period" for insurance
Your policy contains a "cooling off period". If you are not happy with your policy, you may return it to us within fourteen days of receipt with a written request to cancel the insurance. Provided that there has not been, and will not be, a claim made or travel undertaken, a full refund will be made.
Claims
All communications to Claims International Limited, 14th Floor, Leon House, 201-241 High Street, Croydon, Surrey, CR9 1ER. Please quote Bales Worldwide Limited. Telephone number 0208 680 5142.
