OUR POLICY SUMMARY
This policy summary does not contain the full terms of your travel insurance policy, which can be found in the Policy Document. Click here to view our Insurance terms of Business.

Insurer
Our travel insurance is underwritten by Europ Assistance Irish Branch and administered in the United Kingdom by Europ Assistance Holdings Ltd.

Type of Insurance and eligibility
This is a holiday insurance policy which is available to UK and EU residents of 6 months or more and registered with a local Doctor, and aged 85 or under at the time of issue.

Summary of Benefits
The significant features and benefits for each insured person are shown in the table below. These vary according to the cover option selected.

Section of Cover	Premier Cover	Excess	Economy Cover	Excess
Emergency Medical and Associated Expenses	£10,000,000	£65	£10,000,000	£65
Additional Accommodation & Travelling Costs	£1,000	Nil	£1,000	£65
Hospital Daily Benefit £25 per day.	£800	Nil	£800	Nil
Cancellation or curtailment charges	£5,000	£65 £25 loss of deposit	£5,000	£65 £25 loss of deposit
Travel Delay   Delay    Abandonment	£20 first 12 hours, £10 each extra delay of 12 hours up to £300   £5,000	Nil        £65	£20 first 12 hours, £10 each extra delay of 12 hours up to £300 £5,000	Nil       £65
Missed Departure	£500 Europe £1,000 Worldwide	Nil	£500 Europe £1,000 Worldwide	£65
Personal Baggage   Single Article, Pair or Set of Articles Valuables	£2,000     £300   £300	£65     £65   £65	£200     £100   £100	£65     £65   £65
Money & Passport	£500 £200 - Cash	£65 £65	£500 £200 - Cash	£65 £65
Personal Liability	£2,000,000	£65	£2,000,000	£65
Personal Accident	Up to £20,000	Nil	Up to £20,000	Nil
Legal Protection	£25,000	Nil	£25,000	Nil

Important Health Requirements

Anyone insured on this policy requiring cover should contact our medical screening service if they have:

• been prescribed medication, received treatment, or attended consultations, investigations or follow-ups, for ANY medical or psychological conditions in the last 2 years;
 
• EVER been prescribed medication, received treatment or had investigations for:
• A heart attack, angina, chest pain(s), palpitations or any other heart condition
• High blood pressure, blood clots, raised cholesterol, or circulatory disease
• Any form of stroke, TIA (transient ischaemic attack), or brain haemorrhage

If necessary, please go to www.healthcheck247.com or telephone them on 0845 618 0341 to declare any existing medical conditions. If your state of health changes between now and the date of travel, you may need to declare this information if you intend to continue with your trip.

The policy also contains conditions and exclusions if you need to cancel or curtail your trip, specifically relating to close relatives or anyone you will be staying or travelling with. Please ensure you read your policy document carefully.

Other significant policy exclusions and limitations

Material Facts: You must declare to Us all Material Facts that are likely to affect this insurance. Failure to do so may prejudice Your entitlement to claim. If You are uncertain as to whether a fact is material, You should declare it to Us by contacting Your Issuing Agent. Please refer to the definition of a Material Fact in the Meaning of Words within the Policy Document.

Changes in Health or Medication: You must contact Us and declare any changes in Your health or Your medication that occur between the date You take out this policy and the date You start any Trip.

Cancellation, Curtailment & Trip Interruption Cover: It is important to note that the policy contains conditions and exclusions in relation to non-insured travelling companions, Close Relatives or persons with whom You intend to stay whilst on Your Trip, in the event of any need to cancel, curtail or interrupt a Trip as a result of changes in their health. Please refer to the Important Limitations – Cancellation, Curtailment & Trip Interruption Cover section for full details.

Sports & Recreational Activities: Occasional participation in certain activities and sports, on a recreational and non-professional basis and not being the main purpose of the Trip, are covered within the terms of the policy at no additional premium. Certain activities and sports may however be subject to amended terms and conditions. Please see Section 16 of the Policy Document for further details or contact Your Issuing Agent if You are in any doubt over the cover.

Third Party Liability: If You use a motorised vehicle (e.g. car, motor cycle, moped or scooter), sail or powered boat, or an airborne craft, no liability cover will apply under this policy and You must ensure that You have cover for third party injury or property damage in place.

Cancellation rights
If your cover does not meet your requirements, you may cancel cover within 14 days of receiving your insurance document/certificate and return all your documents for a refund of your premium, provided you have not travelled, made a claim or intend to make a claim. To cancel the policy contact Directline Holidays on 0871 472 4635.

Making a claim
To claim, telephone 0844 338 5814, and ask for a claim form or download from www.eaclaims.co.uk/CTB. You should fill in the form and send it to Europ Assistance Travel Claims, Sussex House, Perrymount Road, Haywards Heath, West Sussex, RH16 1DN with all the information and documents we ask for. You will need to obtain some information about your claim while you are away. Please refer to the Policy Document for details.

Making a complaint
If you are unsatisfied with any aspect of this policy or the service provided by your insurer, please write to:

The Quality Department, Europe Assistance Holdings Limited, Sussex House, Perrymount Road, Haywards Heath, West Sussex, RH16 1DN

If you are not satisfied with the final response you can refer the matter to the Financial Ombudsman Service.

Financial Services Compensation Scheme (FSCS)
For your added protection, the insurer is covered by the FSCS. You may be entitled to compensation from the scheme if it cannot meet its obligations. This depends on the type of business and the circumstances of the claim. Insurance cover is limited up to 100% of the first £2,000 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 020 7892 7300, or by visiting their website at www.fscs.org.uk.