Welcome to lowcosttravelextras

Lowcosttravelgroup.com Travel Insurance

A relaxing and carefree holiday for you and your family is our top priority. Your protection is so important that we make it a condition of booking that you supply details of the insurance cover you have in place, in order to ensure that your policy matches the benefits that our scheme provides. Whilst it is your responsibility to obtain adequate insurance for all members of your party, we will be very happy to help you with our specially tailored travel insurance package, which is simple to understand and sensibly priced.

Insurance Benefits

• easy to understand
• simple to arrange
• great value
• tailored to suit your needs
• range of options

Important Information about your personal travel insurance

Insurer

This insurance is arranged by Rush Insurance Services, underwritten by Travel Insurance Facilities and insured by Union Reiseversicherung AG, UK Branch.

Telling us about relevant facts

Before you travel 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.

Health Requirements

Your policy does not cover pre-existing medical conditions of non-travelling close relatives, business associates or anyone else whom the trip might depend on.

YOU ARE ADVISED TO READ YOUR POLICY CAREFULLY and to read the information below and to sign the insurance declaration on the booking form.

The lowcosttravelgroup.com Travel Insurance operates on the basis that all Insured Persons are not travelling against medical advice or with the intention of obtaining medical treatment abroad. No claim arising directly or indirectly from a pre-existing medical condition, or any recognised complication of it, affecting an Insured Person will be covered unless it has been declared and accepted in writing by us.

Note: A existing medical condition is considered to be:

• Any serious or recurring medical condition, injury or symptom of which you are aware that has been previously diagnosed, investigated or treated in any way, at any time prior to travel, even if this condition is currently considered to be stable or under control.
• and/or anything that you are awaiting treatment for, or the results of any tests or investigations

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 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.

Hazardous Activities

If you are going to take part in any hazardous sports or activities you should check that the policy covers you. Please refer to page 20 of your policy wording for a list of activities that are covered as standard and details of who to contact to include any specific activities you are planning on undertaking during your trip.

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. Please note that your cancellation rights are no longer valid after this initial 14 day period.

Policy Excess

Under some sections of your policy, you will have to pay an excess. This means that you will be responsible for paying the first part of the claim for each person insured, for each section, for each incident. The amount you have to pay is the excess. If you declare a pre-existing medical condition it may be that an increased excess is applied to any claim arising from that condition, in addition to the standard excess on your policy.

Making a Complaint

The policy contains a complaints procedure which tells you what steps you can take if you wish to make a complaint.

Governing Law

Unless agreed otherwise, English law will apply and all communication and documentation in relation to this policy will be in English.

Premiums

The premiums for this insurance have been specially negotiated on your behalf. All premiums include Insurance Premium Tax at the prevailing rate.

SUMMARY OF BENEFITS

(Please read the policy wording for full terms and conditions)

For each Insured person: