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TRAVEL INSURANCE   ...An Absolute Necessity... OUR ADVICE IS SIMPLE - DO NOT TRAVEL ABROAD OR  CONFIRM YOUR  TRAVEL ARRANGEMENTS WITHOUT VALID INSURANCE COVER

Immediate cover available - very competitive rates - excellent and extensive cover.    
1A -
 Travellers Choice Policy Wording Classic - pdf document
1B -  Travellers Choice Policy Wording Premier - pdf document

max 6 months stay any one trip or 12 month multi-trip
(Schedule of cover and limits of indemnity per insured person - back pages
for rates please e mail this office or phone 01392 219499 / 01392 253064

  
2 - Campbell Irvine Direct Policy CI Direct Wording - pdf document
     Campbell Irvine Direct Policy CI Direct Wording - printer friendly
   
max 12 months stay any one trip but also offer 12 month multi-trip
for rates please e mail this office or phone 01392 219499 / 01392 422090 

                           

You can talk to us
phone 01392  219499 / 253064   
or send us an e mail

In respect of Single Trip policies only, cover is available for persons irrespective of their nationality with worldwide repatriation who reside within the EU.
All Policies have 24 hour World-Wide Medical Cover & Repatriation

GADGET COVER - Laptop, Mobile phone etc - please ask for details.

See here


MISSIONARY / 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.
BACKPACKERS SPECIAL
The cover stated above for 'Backpackers' is designed for those travelling light. Discounts available with exclusions as stated.

LONG STAY
Single trip 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.
ALREADY LEFT UK AND FORGOTTEN TO TAKE INSURANCE?
Contact this office, and we may 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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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 the WORLD WIDE MEDICAL ASSISTANCE services as detailed in the Policy. 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 - see phone number in the policy.

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. You can check through the policy wording as per the link above.

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, unless you have requested to include the 'excess waiver' at the time of purchase.

"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.

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/


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, further details on request.

For specialist cover, ie - 65 years & 70 years +. Serious Pre-Existing Medical Conditions.
Non EU passport holders, living outside of EU - worldwide -
see further detail here

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