CALL NOW FOR
IMMEDIATE COVER |
phone 01392 219499/422090 |
EXCELLENT RATES -
CALL NOW |
|
OUR ADVICE IS SIMPLE - DO
NOT
TRAVEL ABROAD OR BOOK
TRAVEL ARRANGEMENTS WITHOUT INSURANCE
COVER
Immediate
cover available - Very competitive rates - Excellent and extensive cover
FAMILY COVER.
ONE WAY TRAVEL
BASIC AID WORK COVER
BACKPACKERS SPECIAL
COMPETITIVE GROUP RATES
In respect of Single Trip policies only, cover is available for persons
irrespective of their nationality with worldwide repatriation who
reside within the EU.
ANNUAL MULTI-TRIP POLICY - valid 12 months
from 2 yrs to 69 yrs - Unlimited number of trips abroad within 1 year
Max any 1 trip 70 days
(except age 66-69 then max 31 days)
Excellent Value.
Further details of above given below the table and/or contact this office.
Amateur Sports/Activities included -
see list covered in policy here:
2012 FULL POLICY
WORDING CLICK HERE
(pdf format)
All Policies have 24 hour
World-Wide Medical Cover & Repatriation
INDIVIDUAL COVER
For persons aged 66 years or more at the time of arranging insurance double the standard rates apply, enquire for further details.
FAMILY COVER
Single Trip Policies FAMILY COVER For families travelling together a special premium applies based on 2.5 times the adult rate. This provides for two adults under 66 years and up to four children aged 18 years or less.
ONE WAY TRIPS
In respect of One-Way Travel cover under all Sections ceases on arrival at final destination.
VOLUNTEER MISSIONARY WORK
Extensive cover.
BASIC AID WORK COVER
All our policies cover 'aid workers' - most voluntary work
(low level) & casual labour. Please obtain authorisation code from this office and the policy certificate will be marked accordingly.
See comments below on at 'Frequently Asked Questions'.
BACKPACKERS SPECIAL
The cover stated above for 'Backpackers' is designed for those travelling light. Discounts available with exclusions as stated.
LONG STAY
One trip cover available from 1 day to 12 months.
EXTENSIONS
It is possible to extend your policy whilst abroad.
Please request further details.
SPECIAL GROUP RATES
Excellent discounted rates if you are travelling as a group,
min 7 persons travelling out/return together.
Please request details.
ALREADY LEFT UK AND FORGOTTEN TO TAKE INSURANCE?
Contact this office, and we should be able to assist.
MIKE COLES WORLD-WIDE TRAVEL act as Appointed
Representative of Campbell Irvine Limited & other companies who
are Authorised and
Regulated
by the Financial Services Authority.
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Underwritten by Ace European Group Ltd (ACE) part of the
ACE group of companies.
Specialists in World-Wide Travel Insurance.
A Validation Certificate will be issued by this office once premium accepted, this will be attached to the policy and forms the contract between you and the insurance company
Ace European Group Ltd (ACE). On receipt of the policy you should make yourself aware of the cover and what you will need to do in the event of a possible claim.
CALL NOW FOR
IMMEDIATE COVER |
phone 01392 219499/422090 |
|
EXCELLENT RATES
Call now |
ONCE A CERTIFICATE HAS BEEN ISSUED BY THIS OFFICE THE POLICY CONDITIONS APPLY THE POLICY BOOKLET CONTAINS THE FOLLOWING INFORMATION
*** WHAT TO DO IN AN EMERGENCY ***
SPECIALITY ASSISTANCE EMERGENCY MEDICAL SERVICE
is available 24 hours a day 365 days a year.
IMMEDIATE CONTACT MUST BE MADE with SPECIALITY ASSISTANCE in the event of death or injury or illness necessitating any of the following:
(1) HOSPITALISATION
(2) REPATRIATION
(3) ALTERATION OF TRAVEL PLANS
(4) CURTAILMENT OF TRAVEL
SPECIALITY ASSISTANCE
Telephone (UK+44) (0) 20 7902 7405
FAX (UK+44) (0) 20 7928 4748
Be prepared to give;
(a) booking invoice or validation certificate number.
(b) name and address of agent or tour operator from whom it was purchased
(c) dates of outward and return travel
(d) details of problem including name and address of patient and nature of
illness/accident
(e) name and telephone number of hospital and attending doctor
(f) details of usual GP in the UK
MEDICAL TREATMENT IN AUSTRALIA - Medicare
Should you require medical treatment in Australia you MUST enrol with MEDICARE. It can be done after the first occasion on which you receive treatment. In-patient and out-patient treatment at a public hospital is then available free of charge.
Please read details on the policy.
Should you then be admitted to hospital then immediate contact must be made with
SPECIALITY ASSISTANCE and their authority obtained in respect of any treatment not available under MEDICARE before such treatment is provided.
PLEASE DO NOT USE THE EMERGENCY SERVICE FOR CASUAL ENQUIRIES
*** *** ***
ABI CODE OF PRACTICE
Before you purchase this insurance we are requested to bring to your attention a number of important aspects concerning the travel insurance on this web site.
Health
The Insurance contains conditions that relate to your health and that of others not necessarily travelling with you but upon whose well being the trip may depend
(such as a relative). In particular, pre existing medical problems are not covered unless the Medical Helpline is contacted on:
0844 826 2686 |
Policy Document
This contains the full details of what is and is not covered. Please read it carefully to ensure you understand the cover provided. Should you wish a specimen, a copy will be made available prior to purchase upon request. |
Conditions, Exclusions and Warranties
These limit or restrict the cover provided. Some apply to all sections of the insurance whilst others only apply to specific sections. |
Complaints
This Insurance contains a procedure which you should follow if you wish to make a complaint. |
Claims for Personal Baggage
This Insurance does not provide cover on a 'new for old' basis, which means that deductions for age, wear and tear will be made where appropriate. |
box empty |
Sums Insured or Limits
All sections of the Insurance have a limit on the amount the Insurer will pay. Some sections have internal limits such as the amount the Insurer will pay for any one item or the amount of all valuables (including photographic equipment) |
High Risk Activities
The Insurance may not cover you when you take part in certain activities not organised through Mike Coles Travel. You must check that the Insurance covers your requirements. |
Excesses
Under most sections of the Insurance, claims will be subject to an excess of £70. This means you will be responsible for paying part of the claim. |
"Cooling Off Period"
If the Insurance does not meet your requirements you may return the documentation within 14 days of the purchase or prior to travel if this is sooner and, provided no claim has been made, obtain a refund. |
Reasonable Care
You are required to take all reasonable care of yourself and your property and to act at all times as though you are not insured. |
Jurisdiction
The Insurance will be subject to English Law unless otherwise agreed. |
Full Policy
Wording - for policies issued 2011
Full
Policy Wording - for policies issued 2010
Frequently asked questions
1
Re - MANUAL WORK
Asked by someone travelling
abroad doing voluntary work with painting, ground level & low level
ladders.
Regarding your question re 'Non-Manual work' on page 25 of the policy.
Page 25 of the 2009 Policy booklet states that 'Non-Manual Work' is
covered. Clarification of this statement given by Anthony Kaye of
Campbell Irvine at 1720 hrs 13th January 2009
Quote 'Insurers deem manual work to constitute or consist of working
within your normal occupation duties for financial reward often
involving the use of specialist equipment. That you are doing volunteer
work outside of your normal occupation duties without use of specialist
equipment would constitute manual work and you are covered under the
standard terms of the policy.2.
2a Re - FOREIGN
OFFICE TRAVEL ADVICE
The following clause '2' is an extract from our
'Booking Information' information
details on our web site.
'There are times when it is very difficult for Travel Agents to advise a
client as to when and how safe it is to travel to foreign countries,
especially when a country is faced with a sudden disaster, terrorist
activity or a major health problem. There are occasions when some
Airlines will continue to fly, when others will not. We feel that simply
because an Airline chooses to continue flying to a destination, under
one of the above threats, this should not be taken as a guarantee that
the country is a safe destination. Our advice is to contact the TRAVEL
ADVICE UNIT attached to the FOREIGN OFFICE in London. They operate 24
hrs, 7 days a week. Telephone 0207 270 1500. and/or at
www.fco.gov.uk/
2b Re - COUNTRIES FCO
ADVISE AGAINST TRAVEL
'If an insured person elects to travel to or through a region where the
British FCO have advised against travel, then insurers would reserve the
right to decline any claim arising from the specific reasons given by
the FCO as to why they advise against travel to the specific region. All
other policy terms would remain in effect'.
To
be discussed further with the passenger before insurance is granted.
The Insurance certificate would
be endorsed accordingly.
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further details on request.
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