Your Holiday Insurances
This insurance information relates to 2008, for information on the 2007 policy please contact us on
Important information about your Personal Travel and Motor Breakdown Insurance
Insurer
This insurance is underwritten by Elvia* and administered in the Unit Kingdom by Mondial Assisstance (UK) Limited. Mondial Assisstance (UK) Limited is authorised and regulated by the Financial Services Authority. Elvia* is authorised by De Nederlandsche Bank (DNB) and regulated by the Financial Services Authority for the conduct of UK business.
Elvia* follows the Financial Ombudsman Service code of conduct for complaints and is covered by the Financial Services Compensation Scheme (FSCS).
*Elvia is Elvia Travel Insurance International N.V (Netherlands).
Telling us about the relevant facts
Before you trave you must tell us about anything that may affect your cover. If you do not tell us about something that may be relevant, your cover may be refused and we may not cover any related claims.
Policy document
The policy wording gives you full details of what is and what is not covered and what to do if you need to claim. It is very important that you read the whole of this policy before you travel and make sure the cover is suitable for you. Please make sure that you take it on holiday with you in case of an emergency. A policy will be sent at the time of booking and a copy of the policy wording is available on request.
Policy limits
Each section of the policy shows the most you can claim but other limits may apply. For example under the Personal Possessions Section there are other specific limits for any one item and for valuables (including photographic equipment). If you intend to take expensive items with you please check that you are fully covered.
Conditions and exclusions
Your policy does not cover all possible events and expenses. There are conditions and exclusions that apply to individual sections of the policy and general conditions and exclusions that apply to the whole policy.
Medical Conditions
While this insurance is not subject to a Health Warranty there are certain exclusions that apply (e.g. you must not travel against the advice of your doctor and pregnancy claims would be excluded where the pregnancy was more than 28 weeks at the end of your holiday etc.). The full terms and conditions are shown in the Policy Document, a copy of which is available on request.
Terrorism Exclusion
This insurance does not cover claims resulting from terrorism, except under the Emergency Medical, Personal Possessions and Personal Accident sections of the policy and cover will only apply where this occurs during the period of your holiday. Cover under this section will not apply if you are travelling against the advice of the Foreign & Commenwealth Office.
Hazardous activities
If you are going to take part in any hazardous sports or activities you should check that the policy covers you. You can extend your Personal travel insurance to cover your party for many hazardous activities that are excluded under the standard cover. Please contact us on
Cancellation rights
If your cover does not meet your requirements, please return the documentation within 14 days of receipt and your premium will be refunded in full unless you have travelled, made a claim or intend to make a claim.
Policy excess
Under some sections of your policy, you will have to pay an event excess. This means that you will be responsible for paying the first part of the claim for each single event or occurence. The amount you have to pay is the excess.
Making a complaint
The policy contains a complaints procedure which tells you what steps you can take if you wish to make a complaint.
Applicable to both Personal Travel & Motor Breakdown Insurance
Statement Of Prices
Personal Travel Insurance
| Holiday duration | Premium per person | Premium per family** |
|---|---|---|
| 1 - 6 days | £12 | £28 |
| 7 - 13 days | £20 | £46 |
| 14 - 20 days | £25 | £58 |
| 21 - 31 days | £30 | £69 |
Premiums are per person aged 4 to 85 years at the start of your journey and include Insurance Premium Tax at the current rate.
An amount for insurance for each person in your party is included in your Initial Payment and the balance is part payment towards your holiday costs.
You are covered by our special Personal Travel Insurance unless you say that you do not require it at the time of booking.
**A family is defined as two adults and all of their children (including foster children) aged 17 and under if in full time education. All persons must live at the same address.
Age Limits:All Insured Persons must be aged 85 years or under at the date your policy is issued.
| Motor Breakdown Insurance, price per vehicle (including Insurance Premium Tax) |
|---|
|
£20 |
The premium for one vehicle is included in the price of any ferry or tunnel booking made through Hoseasons Villas so you are automatically covered when you book your crossing.
Vehicles must be in a roadworthy condition and regularly serviced in accordance with manufacturer's recommendations.
Basis of Advice
We offer only Elvia* products for Personal Travel Insurance and Motor Breakdown Insurance. We did not provide a personal recommendation as to the suitability of these products in relation to your circumstances.
Valid Period
The insurance offerings are available for holidays booked between 1st Sep 2007 and 31st December 2008 and departing between 28th Oct 2007 to 31st Dec 2008.
Demands and Needs
This policy consists of two parts:
- Personal travel insurance is designed for those who wish to insure themselves when travelling for cancellation or curtailment charges, emergency medical and associated expenses, loss of passport, delayed personal possessions, personal possessions, personal money, personal accident, missed departure or missed connection, delayed departure and personal liability.
- Motor breakdown insurance is designed to insure those who wish to insure themselves when travelling, for motor legal advice and expenses and vehicle breakdown whilst overseas.
Status Disclosure
Hoseasons Villas is a trading name of Hoseasons Holidays Abroad Ltd. Hoseasons Holidays Abroad Ltd is an appointed representative of Hoseasons Holidays Ltd who is authorised and regulated by the Financial Services Authority in respect of insurance mediation activities only. The FSA register reference is 406971, which can be checked by visiting www.fsa.gov.uk/register or contact the FSA on
Financial Services Compensation Scheme (FSCS)
For your added protection, Hoseasons and the insurer are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.
Insurance cover is limited up to 100% of the first £2000 and 90% of the remainder of the claim, without any upper limit.
Further information about the compensation scheme arrangements is available from the FSCS, telephone number
Summary of Cover
The following is only a summary of the main cover limits and you should read the policy document for the full terms and conditions.
| Personal travel insurance | Limit (up to) |
|---|---|
| Cancellation or curtailment | £5,000 |
| Emergency medical & associated expenses | £5 million |
| - Hospital inconvenience benefit | £600 (£20 per day) |
| - Funeral expenses abroad | £7,500 |
| Loss of passport | £500 |
| Delayed personal possessions | £100 (if delayed/mislaid more than 12 hours) |
| Personal possessions | £1,500 |
| Single article limit | £250 |
| Valuable limit | £250 |
| Personal money | £500 |
| Cash limit | £250 |
| Personal accident | £15,000 |
| Missed departure or missed connection | £800 |
| Delayed departure | £60 (£20 for first 12 hour delay - |
| £10 for each following 12 hour delay) | |
| or, | |
| - Abandonment (after 12 hours delay) | £5,000 |
| Personal liability | £2 million |
| Motor breakdown insurance | Limit (up to) |
|---|---|
| Cover before you leave | |
| - Breakdown assisstance | £300 |
| - Replacement vehicle | £1,600 (£90 per day) |
| Emergency roadside repairs and getting you to a garage | £300 |
| Getting you home or continuing yuor journey | |
| - Replacement vehicle or chauffeur hire, | £1,600 (£90 per day) |
| or | |
| 2nd class rail fares to return home, or continue the journey | Reasonable cost |
| - Additional accommodation | £40 per day, per person |
| Spare parts delivery | All reasonable costs |
| Getting the vehicle back | |
| - including storage costs | All reasonable costs |
| Collecting the vehicle from Europe | All reasonable costs |
| - including economy class air fare & reasonable | |
| expenses (not exceeding £100) | |
| UK car hire | |
| (If your own vehicle is still unusable) | £150 |
| Essential telephone costs | £10 |
| The maximum aggregate amount payable under the Motor Breakdown Insurance sections shown above shall not exceed £3,000 | |
| The following additional cover is also available under Motor breakdown insurance | |
| Customs duty cover | £2,000 |
| Guarantee of Spanish Bail Bond | £1,000 |
| Motor legal advice & expenses | £2,000 |
| General Average Indemnity | £2,000 |
Duration
The Personal travel insurance policy provides cover for:
- 'cancellation' as soon as your booking is confirmed and ends when you leave home to commence the holiday; and
- all other sections as outlined in the Summary of Cover for the duration of the holiday from the time you leave home until you return to it.
The Motor breakdown insurance policy provides cover:
- 'cover before you leave' which commences seven days before the beginning of your journey (but not before the date your policy was issued) and ends as you begin your journey;
- for all other sections as outlined in the Summary of Cover for the duration of your holiday, from the time you leave home until you return to it.