OUR ADVICE IS SIMPLE - DO
TRAVEL ABROAD OR CONFIRM YOUR
TRAVEL ARRANGEMENTS WITHOUT VALID INSURANCE
cover available - very competitive rates - excellent and extensive cover.
Travellers Choice Policy Wording Classic -
max 6 months stay any one trip or 12 month multi-trip
(Schedule of cover and limits of indemnity per insured person - back
for rates please e mail this office or phone 01392 219499 / 01392
Direct Policy CI Direct Wording - pdf document
max 12 months stay any one trip but also
offer 12 month multi-trip
for rates please e mail this office or phone 01392 219499 / 01392 422090
In respect of Single Trip policies only, cover is available for persons
irrespective of their nationality with worldwide repatriation who
reside within the EU.
All Policies have 24 hour
World-Wide Medical Cover & Repatriation
GADGET COVER -
Laptop, Mobile phone etc - please ask for details.
BASIC AID WORK COVER
All our policies cover 'aid workers' - most voluntary work
(low level) & casual labour. Please obtain authorisation code from this office and the policy certificate will be marked accordingly.
The cover stated above for 'Backpackers' is designed for those travelling light. Discounts available with exclusions as stated.
Single trip from 1 day to 12 months.
It is possible to extend your policy whilst abroad.
Please request further details.
SPECIAL GROUP RATES
Excellent discounted rates if you are travelling as a group,
min 7 persons travelling out/return together.
ALREADY LEFT UK AND FORGOTTEN TO TAKE INSURANCE?
Contact this office, and we may be able to assist.
MIKE COLES WORLD-WIDE TRAVEL act as Appointed
Representative of Campbell Irvine Limited & other companies who
are Authorised and
by the Financial Services Authority.
MEDICAL TREATMENT IN AUSTRALIA - Medicare Should you require medical treatment in Australia you MUST enrol with MEDICARE. It can be done after the first occasion on which you receive treatment. In-patient and out-patient treatment at a public hospital is then available free of charge.
Please read details on the policy.
Should you then be admitted to hospital then immediate contact must be made with
the WORLD WIDE MEDICAL ASSISTANCE services as detailed in the
Policy. and their authority obtained in respect of any treatment not available under MEDICARE before such treatment is provided.
PLEASE DO NOT USE THE EMERGENCY SERVICE FOR CASUAL ENQUIRIES
ABI CODE OF PRACTICE. Before you purchase this insurance we are requested to bring to your attention a number of important aspects concerning the travel insurance on this web site.
The Insurance contains conditions that relate to your health and that of others not necessarily travelling with you but upon whose well being the trip may depend
(such as a relative). In particular, pre existing medical problems are not covered unless the Medical Helpline is contacted on
- see phone number in the policy.
This contains the full details of what is and is not covered. Please read it carefully to ensure you understand the cover provided.
You can check through the policy wording as per the link
Conditions, Exclusions and Warranties
These limit or restrict the cover provided. Some apply to all sections of the insurance whilst others only apply to specific sections.
This Insurance contains a procedure which you should follow if you wish to make a complaint.
Claims for Personal Baggage
This Insurance does not provide cover on a 'new for old' basis, which means that deductions for age, wear and tear will be made where appropriate.
Sums Insured or Limits
All sections of the Insurance have a limit on the amount the Insurer will pay. Some sections have internal limits such as the amount the Insurer will pay for any one item or the amount of all valuables (including photographic equipment)
High Risk Activities
The Insurance may not cover you when you take part in certain activities not organised through Mike Coles Travel. You must check that the Insurance covers your requirements.
Under most sections of the Insurance, claims will be subject to an excess of £70. This means you will be responsible for paying part of the claim,
unless you have requested to include the 'excess waiver' at the
time of purchase.
"Cooling Off Period"
If the Insurance does not meet your requirements you may return the documentation within 14 days of the purchase or prior to travel if this is sooner and, provided no claim has been made, obtain a refund.
You are required to take all reasonable care of yourself and your property and to act at all times as though you are not insured.
The Insurance will be subject to English Law unless otherwise agreed.
OFFICE TRAVEL ADVICE
The following clause '2' is an extract from our
'Booking Information' information
details on our web site.
'There are times when it is very difficult for Travel Agents to advise a
client as to when and how safe it is to travel to foreign countries,
especially when a country is faced with a sudden disaster, terrorist
activity or a major health problem. There are occasions when some
Airlines will continue to fly, when others will not. We feel that simply
because an Airline chooses to continue flying to a destination, under
one of the above threats, this should not be taken as a guarantee that
the country is a safe destination. Our advice is to contact the TRAVEL
ADVICE UNIT attached to the FOREIGN OFFICE in London. They operate 24
hrs, 7 days a week. Telephone 0207 270 1500. and/or at
ADVISE AGAINST TRAVEL
'If an insured person elects to travel to or through a region where the
British FCO have advised against travel, then insurers would reserve the
right to decline any claim arising from the specific reasons given by
the FCO as to why they advise against travel to the specific region. All
other policy terms would remain in effect'.
be discussed further with the passenger before insurance is granted.
The Insurance certificate would
be endorsed accordingly,
further details on request.
For specialist cover, ie - 65 years & 70 years +. Serious
Pre-Existing Medical Conditions.
Non EU passport holders, living outside of EU - worldwide -
see further detail here