All prices shown include UK Government Insurance Premium Tax @
17.5%.
The cost of the insurance premium per person for individual tours
is shown in the tables above. This premium is only for the period
indicated. If you are extending your travel period or the duration
of the tour is extended or reduced by Explore you may need to
reconsider the duration of policy purchased.
Insurance cover should be valid from the time you leave your home
until you return home. You must allow for travelling time before
and after the tour. If this exceeds the period of the premium
stated you must increase the premium to the next highest band. The
appropriate premium must be added in full to the deposit when you
make your reservation.
How do we define 'Europe' for insurance premium purposes?
Europe is defined as: Countries west of the Ural Mountains;
countries bordering the Mediterranean Sea; plus Azerbaijan,
Georgia, Armenia, Jordan, Greenland, Iceland, Faroe Islands,
Madeira, the Canary Islands, Azores & Mediterranean
islands.
Documentation
The full terms, conditions and exclusions are incorporated in
the Policy Document which will be sent to you at the time of
purchase and which alone constitutes the contract of insurance
between the insured person(s) and the insurer. Please ensure that
you take this Policy Document and your Holiday Confirmation Invoice
with you when you travel, leaving copies in safe place at home. A
copy Policy Document is available prior to purchase upon
request.
Operative Date
The calendar year in which the payment for the Policy is
received by Explore will define the premium, conditions and
benefits.
Conditions Precedent - applicable to all insured persons:
It is warranted that the trip or journey for which this
insurance is effected is not booked or commenced by an insured
person(s):
Contrary to medical advice or to obtain medical treatment.
Suffering from any medical condition or symptoms which are awaiting
or receiving investigation, treatment, tests, referral or review or
the results of any of the foregoing.
No insured person is aware of any reason why travel may be
cancelled or curtailed.
Claims
Details on how to make claims can be found in the insurance
Policy Document that will be sent to you upon purchase of the
policy. A 24 hour emergency medical number will also be
provided.
Excesses
Most claims are subject to the deduction of an excess,
applicable to each section of cover and each person.
The standard excess is £50 (or £100 for those aged 66 or over at
the time of purchase).
There is no excess for temporarily lost baggage, loss of deposit,
travel restriction, personal accident or personal liability
claims.
There is an increased excess of £250 for legal expense claims (for
all ages).
General
If you have any general enquiries concerning this insurance, or
if there is anything you do not understand, please contact the
Brokers who arrange the scheme:
Campbell Irvine Limited, Alma House, Alma Road, Reigate, Surrey,
RH2 0HX.
Telephone: +44 (0)1737 223687.
Campbell Irvine Limited is authorised and regulated by the
Financial Services Authority.