Low Cost Full Cover Travel Insurance
Introduction & Summary
We strongly recommend all clients arrange travel insurance. For your protection and peace of mind we have arranged a Special Holiday Travel Insurance Scheme with Towergate Chapman Stevens.

It is important that you read and understand this information. You will be provided with a copy of all relevant policy documentation to enable you to make an individual informed buying decision based on your own personal circumstances, travel plans and the merits of the policy. This buying decision is your own and you will not have received a personal recommendation or advice from us.

Confidentiality and Data Protection Your information will only be disclosed to third parties in the normal course of arranging and administering any insurance contract(s) and to ITC Compliance Limited for the purposes of monitoring and/or enforcing compliance with any regulatory rules/codes

SUMMARY

We summarise below the details of the insurance cover provided which also includes INTERNATIONAL MEDICAL RESCUE - 24 hour emergency service. The following is a brief summary of the cover available. Full details of Cover, Policy Warranties and Exclusions will be forwarded with your confirmation of booking. In any event you may ask for a specimen copy of the Policy Wording before booking should you wish to examine this in advance.

Cover
COVER SUM INSURED

Cancellation Up to £3,500

Missed Departure/Travel Delay £600/£60

Personal Accident £15,000

Medical and other Expenses £2,000,000
including Curtailment

Medical inconvenience Benefit Up to £100

Personal Property/ £1,500/£200
Loss of Passport

Personal Liability £2,000,000

Delayed Baggage £100

Legal Expenses £10,000

14 day Refund Insurance Premium
Policy Excesses
Cancellation, Curtailment. Holiday Abandonment and Loss of Deposit for holidays up to £100 NIL. For holidays £101 and over: £30 for full cancellation and £5 for loss of deposit

Medical and Other Expenses, Personal Property and Money excess £30.00 for each and every incident per Insured Person.
Conditions
It is a condition that at the time of taking out this Policy you must comply with each of the following:
1. you are not aware of any reason why the trip should be cancelled or cut short
2. you are not receiving or awaiting treatment for an illness or injury as a hospital in-patient (as any claim arising from this injury or treatment will not be covered)
3. you are not travelling
(a) against the advice of a Medical Practitioner
(b) for the purpose of obtaining medical treatment or
(c) if you have been given a terminal prognosis
4. if you have received medical treatment as a hospital in-patient or out-patient, during the six months prior to the booking of the trip, you must obtain medical advice from a Medical Practitioner at your cost confirming that you will be fit enough to take the trip
5. if you are undergoing medical treatment as a hospital out-patient at the date that the final cost of the trip is due to be paid a “Certificate of Fitness” confirming your ability to travel must be obtained by you at your cost
6. if you are on medication at the time of travel your medical condition is stable/well controlled
General Information
You must notify the issuer of this Policy immediately of any of the conditions listed above arising between the date the policy is issued and the time of departure of the trip.

Premiums shown are inclusive of Insurance Premium Tax at the appropriate rate. As cover under the Cancellation section commences immediately the holiday booking has been accepted, no refund in premium can be allowed (other than 14 day refund).

A policy document will be sent to you with your confirmation – please read it carefully.
Status Disclosure Information
STATUS DISCLOSURE INFORMATION
The Financial Services Authority (FSA) is the independent regulator of financial services. Use this information to decide if our services are right for you.

Daishs Travel is an appointed representative of ITC Compliance Limited which is authorised and regulated by the FSA (their registration number is 313486) and which is permitted to advise on and arrange general insurance contracts

Daishs Travel only offer travel insurance from a limited number of insurers. A List of these insurers is available on request. No additional fees will be charged for this service.

You WILL NOT receive advice or a recommendation from us for travel insurance. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed

We always aim to provide a first class service, however if you have any cause for complaint any enquiry in the first instance should be addressed in writing to The Compliance Officer, ITC Compliance Limited, at Charnwood House, Marsh Road, Bristol, BS3 2NA. Should you remain dissatisfied you have the right to ask the Financial Ombudsman Service to review your case. You should write to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone 0845 080 1800. You may be entitled to compensation should we be unable to meet our liabilities as an insurance intermediary under the Financial Services Compensation Scheme. Your entitlement to compensation will depend upon the type of business and the circumstances of your claim.
Details of ITC Compliance Limited’s authorisation (including their authorised number 313486) can be confirmed by contacting the FSA on 0845 606 1234 or by visiting the FSA’s website http://www.fsa.gov.uk/register.
Demands and Needs Statement
DEMANDS AND NEEDS STATEMENT
Travel Insurance
This travel insurance policy will suit the Demands and Needs of an individual, or group (where applicable) who have no excluded pre-existing medical conditions, are travelling to countries included within the policy terms and who wish to insure themselves against the financial impact of specified unforeseen circumstances/events relating to or occurring during their trip. Full details of these circumstances/events, levels of cover and terms and conditions can be found in the policy information/booklet.
Important information
IMPORTANT INFORMATION
Our travel insurance policies have a number of exclusions and restrictions to them. It is very important that you read and understand these and only purchase the policy if you are happy that you and every member of your party meet the eligibility criteria: Specifically our policy may NOT be applicable for you if:

You are over the maximum specified age at the time of your trip
You have pre-existing medical conditions
Examples of these and other conditions and restrictions and what to do if you are unsure about any aspect of an exclusion are contained within your policy booklet.

If after purchasing your policy should you find it does not meet your requirements you have 14 days from the date of issue, or prior to travel (whichever is sooner) to cancel the policy. If you do decide to cancel your money will be refunded in full, provided no claims have been made or incident likely to give rise to a claim has arisen

The policy does not cover travel to areas where the Foreign and Commonwealth Office has advised against ‘all travel’. If you are not sure whether there is a travel warning for your destination, please check with the Foreign and Commonwealth Office (phone 020 7008 0232 or 0233 or visit their website at www.fco.gov.uk).
We strongly recommend all clients arrange travel insurance. For your protection and peace of mind we have arranged a Special Holiday Travel Insurance Scheme with Towergate Chapman Stevens. It is important that you read and understand this information. You will be provided with a copy of all relevant policy documentation to enable you to make an individual informed buying decision based on your own personal circumstances, travel plans and the merits of the policy. This buying decision is your own and you will not have received a personal recommendation or advice from us. Confidentiality and Data Protection Your information will only be disclosed to third parties in the normal course of arranging and administering any insurance contract(s) and to ITC Compliance Limited for the purposes of monitoring and/or enforcing compliance with any regulatory rules/codes