Your holiday insurance with Discover the Cotswolds

Holiday Insurance (cover for cancellation and curtailment only)

Definition

Insured Person means any member of the holiday party named as Insured Person on the Application Form and who is normally resident in the United Kingdom, the Channel Islands or the Isle of Man.

Your Cover

Allianz Cornhill will compensate the Insured Person against financial loss up to the limit of the Sum Insured as a result of the holiday being cancelled or curtailed due to:

1. Death, accidental bodily injury or illness of:

   a) The Insured Person and/or any person with whom he/she has arranged to travel or meet at the specified holiday establishment.

b) Any close relative or business associate of the insured Person or of any person with whom he/she has arranged to travel or meet at the specified holiday establishment.

2. a) Jury service

   b) Witness call

c) compulsory human quarantine on the instruction of the Government or any competent public authority

d) unemployment through redundancy, after the date of booking and before the commencement date of the holiday.

e) Pregnancy of the insured Person and/or any person with whom he/she has arranged to travel or meet at the specified holiday establishment, occurring after the commencement date of this insurance.

3. Fire, storm, flood, malicious damage or theft which is the subject of a business or home insurance claim and which occurs at the policy holder’s main residence or business premises within seven days of the commencement of the holiday.
   

4. Occupational posting of which the Insured Person was unaware at the time of booking of the holiday.

5. Cancellation or curtailment of schedule transport services due to strikes, riots, or civil commotion, but limited to the cost of alternative transport up to £100 for each insured Person for the outward journey, and £100 for each Insured Person for the return journey.

6. The irrecoverable costs of alternative similar accommodation if the holiday is disturbed by excessive noise, substantial loss of visual amenity or any other significant nuisance outside of the control of the accommodation provider or letting or booking agency rendering the accommodation unsuitable for holiday purposes, subject to: a maximum payment of 150% of the invoice cost of the original booked accommodation the disturbance not being in existence or a commencement date publicly announced at the time of booking the holiday the disturbance being confirmed as expected to exceed a 24 hour period excluding any claim solely arising from the failure by the accommodation provider and / or the letting / managing agency to properly maintain the holiday accommodation.

7. Inability of the Insured Person to reach the specified holiday establishment a) due to adverse weather conditions making the journey exceptionally hazardous or impossible b) due to road closure except where alternative routes are open c) upon the advice of the local Police. Provided that the Insured Person has taken all reasonable steps to reach the specified holiday accommodation.

This insurance does not cover

1. Disinclination to travel

2. Failure of public or private transport services, other than due to strikes, riots or civil commotion.

3. Suicide, attempted suicide, insanity, the influence of alcohol or the effect of drugs not taken in accordance with treatment prescribed and directed by a qualified medical practitioner, or booking a holiday which is, or would be, against the advice of a qualified medical practitioner.

4. Any loss which is otherwise insured by a travel insurance, or a travel insurance provided as a benefit by a credit card or an annual travel insurance, whether part of a home insurance policy or otherwise.

5. Any claim arising directly or indirectly from the failure or fear of failure of any computer program, to recognise or to correctly interpret or process any date as its true calendar or to continue to function correctly beyond that date.

6. Any claim directly or indirectly arising out of any nuclear, chemical or biological contamination due to any act of terrorism.

Sum Insured

Transport costs, if arranged by the accommodation provider or letting agent or booking agency and the full cost of the holiday accommodation.

Note: A full statement of cover will be issued to you upon receipt of your remittance.

Full details of the Fees are shown below:

Claims notification

All claims, or incidents likely to give rise to a claim must be reported to us immediately by telephone on 01386 841441. Further evidence to substantiate your claim will be required in writing. Thereafter, matters relating to any claim will be dealt with by our insurance brokers.