Sun & Ski Holidays Booking Terms & Conditions, Ski Insurance, Holiday Insurance

Terms and conditions

Please also read carefully our booking conditions below that relate to your booking or travel insurance. By asking us to confirm your booking, you are liable to be regarded as having had the opportunity to do so. The booking conditions the basis of our contract with you. A binding contract between us comes into existence when we have received all appropriate payments at the time of booking.

Your Financial Protection
The air holiday/packages/flights shown are ATOL protected by the Civil Aviation Authority. Our ATOL number is ATOL 1176. Please see our booking conditions for further information. ATOL protection does not apply to all holiday and travel services shown on this website. Please ask us to confirm what protection may apply to your booking.

Sun booking terms and conditions

Summer 08 Booking Conditions

Applicable for departures from 1st November 2007 to 30th April 2009

Sun insurance details

Mark Warner Insurance Cover

We have arranged a comprehensive Insurance Policy through Aon Travel (part of Aon Limited which is regulated by the Financial Services Authority) on behalf of Europ Assistance Holdings Ltd (which is regulated by the Financial Services Authority) thus providing first class security. The policy is optional but it is a condition of booking that all guests have insurance which provides at least the same level of cover as the policy recommended by Mark Warner. For increased limits, including cover for physiotherapy expenses in the United Kingdom, we recommend our Supercover policy, details of which are shown below. Cover for additional travel and accommodation expenses due to a disruption in the travel arrangements is included in the price of all holidays booked through the brochure. For maximum cover, we recommend you purchase cover at the time of booking your holiday. Your Mark Warner invoice is proof of insurance and full details of the policy wording will be sent to you with your confirmation of booking. Premiums include Insurance Premium Tax.

Summary of Cover -

	Standard	Excess	Super	Excess
Medical Emergency and Repatriation	Up to £2,000,000	£50	Up to £5,000,000	£50
Hospital Benefit	£15 per day up to £700	N/A	£30 per day up to £1,000	N/A
Cancellation and Curtailment	Up to the contracted holiday cost	£50/£15 Loss of deposit	Up to the contracted holiday cost	£50/£15 Loss of deposit
Travel Delay	£20 for 1st 12 hour delay & then £10 for each 12 hours thereafter up to £250	N/A	£30 for 1st 12 hour delay & then £20 for each 12 hours thereafter up to £250	N/A
Missed departure	Up to £500	N/A	Up to £750	N/A
Personal Luggage. Single item limit Valuables limit in all Delayed Baggage	Up to £1,000 £200 £400 £50 per 12 hours up to £150	£50	Up to £2,000 £350 £700 £75 per 12 hours up to £225	£50
Money and Passport Cash Limit Cash limit under 18 years old	£500 £200 £50	£50	£750 £350 £50	£50
Personal Liability	Up to £1,000,000	£250	Up to £2,000,000	£250
Personal Accident	Up to £10,000	N/A	Up to £25,000	N/A
Legal Protection	£10,000	N/A	£10,000	N/A
Hijack	No cover	N/A	£100 per day up to £1000	N/A

For further details or clarification of the above please refer to your policy.

Premiums	Mediterranean and Summer Alpine Resorts
	Adults 18 - 65 yrs		Children 2 - 17 yrs
	Standard	Super	Standard	Super
10 Days	£32.00	£35.00	£21.00	£24.00
17 Days	£37.00	£40.00	£27.00	£30.00

Premiums	Egypt, Sri Lanka, Mauritius
	Adult (18-65 yrs)		Child (2-17 yrs)
	Standard	Super	Standard	Super
10 Days	£42	££48	£31	£36
17 Days	£52	£58	£37	£43

The premiums for adults aged 65-69 years are double the above premiums. Guests over 69 years are not covered under this policy. Infants (under 2) are insured free of charge providing one adult has taken insurance cover This policy is only available to persons resident in the EU

IMPORTANT NOTICE
Your attention is drawn to some important features of your policy as follows:

Material Facts

You must declare to Us all Material Facts that are likely to affect this insurance. Failure to do so may prejudice entitlement to claim. If You are uncertain as to whether a fact is material, You should declare it to Us by calling the policy helpline. Please refer to the definition of a 'Material Fact' in the Meaning of Words.

Health
This policy contains restrictions regarding Pre-existing Medical Conditions which unless declared and accepted by the Insurers in writing prior to travel may invalidate any subsequent claim. If You are in any doubt as to whether You would be covered by the policy please call the Medical Screening Helpline.

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.

Special sports and activities
This policy includes participating in or practising certain sports activities (as detailed under Special sports and activities cover section). If You are going to take part in special sports and activities where there may be a high risk of injury or if You are in any doubt as to whether cover will apply, please call the policy help line.

Age Limit
No Section of this policy shall apply in respect of any person who has reached the age of 70 years at the commencement of the Period of Insurance.

Trip Limits
This policy contains strict limits on the length of time You can spend travelling abroad on each Trip. Please refer to the definition of the 'Trip' in the Meanings of Words. TRAVELLING OR INTENDING TO TRAVEL IN EXCESS OF THE TRIP LIMITS WILLINVALIDATE ANY CLAIMS RELATING TO THAT PARTICULAR TRIP. Trips must commence and end in the EU country of residence and a return ticket must have been booked prior to departure.

Medical Emergency

In the event of a medical emergency You must contact Us as soon as possible. You MUST contact Us before incurring expenses in excess of £500. If You are physically prevented from contacting Us immediately, You or someone designated by You must contact Us within 48 hours.

Pregnancy
No cover is given under Sections 1,2,3,4 and 5 of this policy in respect of any claim arising from pregnancy within 8 weeks (or 16 weeks in the case of a known multiple pregnancy) of the estimated date of delivery.

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.

Personal Possessions
While this policy provides cover for Your Personal Luggage, if You are planning to take expensive items such as sophisticated photographic equipment, jewellery and other Valuables with You then You should check that You have adequate personal possessions cover, under a home contents insurance. The maximum We will pay under this policy for Valuables (as defined) owned by each Insured Person is limited to £400 for Standard cover or £700 for Super cover (or £100 if the Insured Person is aged under 18). Personal Luggage claims are paid based on the value of the goods at the time that they are lost and not on a 'new for old basis' or replacement cost basis; thus a deduction is made for wear, tear, and depreciation. Payment of any claims in respect of any one article or Pair or Set of articles will be limited to £50 unless satisfactory proof of ownership is submitted. Evidence of replacement value is not sufficient.

Policy Limits
Most Sections of Your policy have limits on the amount the Insurer will pay under that Section. Some Sections also include other specific limits, for example: For any one item or for Valuables in total. You are advised to check Your policy.

Policy Excess
Under most Sections of the policy, claims will be subject to an excess. This means that You will be responsible for paying the first part of the claim up to the excess value per Insured Person each and every incident, each and every section of cover. A definition of Policy Excess is in the Meaning of Words.

Reasonable Care

You need to take all reasonable care to protect yourself and Your property, as You would if You were not insured.

'Cooling off' period: You have the right to cancel any policy of insurance within 14 days of the date of issue or receipt of the terms and conditions, whichever is later. We will refund to You any premium You have paid and will recover from You any payments We have made.

IMPORTANT STRICT MEDICAL HEALTH REQUIREMENTS
You must comply with the following conditions in order to have full protection under this policy. If You do not comply We may, at Our option, cancel the policy, refuse to deal with Your claim or reduce the amount of any claim payment.

This insurance operates on the following basis:

To be covered, You must be healthy, fit to travel and to undertake Your planned Trip;
The insurance will NOT cover You when You are travelling against the advice of a Medical Practitioner (or would be travelling against the advice of a Medical Practitioner had You sought his/her advice);
The insurance will NOT cover You when You are travelling with the intention of obtaining medical treatment or consultation abroad.
The insurance will NOT cover You if You have any undiagnosed symptoms that require attention or investigation in the future (that is symptoms for which You are awaiting investigations/consultations, or awaiting results of investigations, where the underlying cause has not been established)

No claim arising directly or indirectly from a Pre-existing Medical Condition affecting You will be covered unless:

You have declared that condition to Us; and
You have declared any changes in Your health or prescribed medication; and
We have accepted that condition for insurance in writing.

Each Insured Person who has a Pre-existing Medical Condition must make a Medical Health Declaration before each Period of Insurance and, if there are any changes in Your health or prescribed medication, prior to commencement of the period of insurance or departing on any Trip. Failure to declare any Pre-existing Medical Condition that is relevant to the insurance may invalidate the policy.

We may require You to obtain a medical report from Your General Practitioner or Consultant in order to assess whether cover applies. Any costs incurred in obtaining this medical report shall be borne by You.

Based on Our assessment of the medical information supplied to Us, We will decide whether or not the person is suitable for insurance, if certain exclusions or restrictions should be imposed, or if cover can be offered subject to the payment of an additional premium. If We offer cover, and if the cover is subject to the payment of an additional premium, cover will not commence until full payment has been received by Us and written confirmation has been provided by Us.

To declare a Pre-existing Medical Condition or a change in Your state of health or prescribed medication, You should contact the Medical Screening Helpline during office hours

This policy will NOT cover any claims under Section 5 (Cancellation, Curtailment or Trip Interruption) arising directly or indirectly from a Pre-existing Medical Condition, known to You prior to the commencement of the Period of Insurance, affecting any Close Relative, traveling companion who is not insured under this policy or person with whom You intend to stay whilst on Your Trip:

for which they have required surgery, or inpatient treatment or hospital consultations, or have been prescribed medication or undergone any treatment, during the 90 days immediately prior to the commencement of the Period of Insurance; or
if they were on a waiting-list for, or have knowledge of the need for, surgery, inpatient treatment or investigation at any hospital or clinic at the commencement of the Period of Insurance; or
if a terminal diagnosis had been received prior to the commencement of the Period of Insurance.

You should also refer to the General Exclusions.

For the purpose of this insurance a Pre-existing Medical Condition is defined as:

Pre-existing Medical Condition:

Any past or current Medical Condition that has given rise to symptoms or for which any form of treatment or prescribed medication, medical consultation, investigation or follow-up/check-up has been required or received during the 2 years prior to the commencement of cover under this policy and/or prior to any Trip: and
any cardiovascular or circulatory condition (e.g. heart condition, hypertension, blood clots, raised cholesterol, stroke) that has occurred at any time prior to the commencement of cover under this policy and/or prior to any Trip.

Ski booking terms and conditions

Ski 08 09 Booking Conditions

Applicable for departures from October 2008 to May 2009

Ski insurance details

We have arranged a comprehensive Winter Sports Insurance Policy through Aon Travel (part of Aon Limited which is regulated by the Financial Services Authority) on behalf of Optimum Underwriting Limited as underwriting agents for Groupama Insurance Company Limited (who are both authorised and regulated by the Financial Services Authority) thus providing first class security. The policy is optional but it is a condition of booking that all guests have insurance which provides at least the same level of cover as the policy recommended by Mark Warner. For increased limits, including cover for physiotherapy expenses in the United Kingdom, we recommend our Super cover policy, details of which are shown below. For maximum cover, we recommend you purchase cover at the time of booking your holiday. Your Mark Warner invoice is proof of insurance and full details of the policy wording will be sent to you with your confirmation of booking. Premiums include Insurance Premium Tax.

Insurance Premiums
Premiums:	Adult		Child
Europe	18-65 yrs		2-17 yrs
	Standard	Super	Standard	Super
10 Days	£44.00	£48.00	£30.00	£34.00
17 Days	£50.00	£55.00	£35.00	£40.00
Excess waiver	£8.00	£8.00	£8.00	£8.00
Canada
10 Days	£69.00	£75.00	£40.00	£45.00
17 Days	£75.00	£79.00	£49.00	£54.00
Excess waiver	£8.00	£8.00	£8.00	£8.00
The premiums for adults aged 65-69 years are double the above premiums. Guests over 69 years are not covered under this policy. Infants (under 2) are insured free of charge providing one adult has taken insurance cover This policy is only available to persons resident in the UK and Eire

IMPORTANT NOTICE
We are obliged to bring to your attention some of the important features of your travel insurance policy.

• Insurance Policy - This contains full details of the cover provided plus the conditions and exclusions which apply to it. You must read the insurance policy carefully

• Conditions, exclusions and warranties - There are conditions and exclusions which apply to individual sections and general conditions, exclusions and warranties which apply to the whole policy.

• Fraudulent claims - The making of a fraudulent claim is a criminal offence.

• Health - The policy contains conditions relating to the health of the people travelling and others upon whose well being the trip may depend. It may be that you are required to disclose the condition of such people prior to cover being issued and you must be aware that failure to disclose such matters will prejudice your position. A telephone helpline is available. Please do use this service to ensure you are fully covered.

• Pregnancy - The policy will not cover any claim arising from pregnancy if you are more than 26 weeks pregnant at the start of or during your trip.

• Age Limit - The Policy will not cover a person if they have reached the age of 70 years at the start of the Period of Insurance.

• Trip Limits - The policy will cover you for a journey within the countries of the Geographical Limits, during the Period of Insurance, for which you have paid the appropriate premium up to a maximum of 185 consecutive days. Travelling or intending to travel in excess of the Trip Limits will invalidate any claims relating to that particular trip.

• Personal Property Claims - If you are planning to take expensive items such as sophisticated photographic equipment, jewellery and other valuables with you then you should check that you have adequate personal possessions cover, under a home contents insurance. The maximum we will pay under the policy for valuables (as defined) owned by each Insured Person is limited to £400 for Standard cover and £700 for Super Cover (or £100 if the Insured Person is aged under 18). Personal Property claims are paid based on the value of the goods at the time that they are lost and not on a ' new for old basis' or replacement cost basis; a deduction will therefore be made for wear, tear and depreciation. Payment of any claims in respect of any one article or Pair or Set of articles will be limited to £50 unless satisfactory proof of ownership is submitted. Evidence of the replacement value is not sufficient.

• Policy Limits - Most sections of the policy have limits on the amount the insurer will pay under that section. Some sections also include inner limits e. g: for one item, or for valuables in total.

• Policy excess - Claims under most sections of the policy will be subject to an excess. Where there is an excess, you will be responsible for paying the first part of the claim.

• Reasonable care - You are required to take all reasonable care to protect yourself and your property and to act as though you are not insured.

• Complaints - The insurance policy includes a complaints procedure which tells you what steps you can take if you wish to make a complaint. Please refer to the policy wording for full details.

• "Cooling Off " period - The policy contains a "cooling off" period which allows you to return the policy and obtain a full refund.

• Hazardous holiday activities - The policy will not cover you when taking part in certain activities. Please contact Aon Travel on 0845 673 2015 if you are in doubt.

• Governing Law: Your policy is governed by English Law.

Summary of Cover	Standard	Excess	Super	Excess
Cancellation, Curtailment and Trip Interruption	£5,000	£5/£15 Loss of deposit	£5,000	£50/£15 Loss of deposit
Medical Emergency & Repatriation	Up to £2,000,000	£50	Up to £5,000,000	£50
Emergency Dental Treatment	£250	£50	£250	£50
Additional Accommodation & Travelling Costs	£750	Nil	£1,000	Nil
Hospital Benefit	£15 per day up to £700	Nil	£30 per day up to £1,000	Nil
Cancellation, Curtailment & Trip Interruption	Up to the contracted holiday cost	£50/£15 LoD	Up to the contracted holiday cost	£50/£15 LoD
Travel Delay	£20 for 1st 12 hour delay & then £10 for each 12 hours thereafter up to £250	Nil	£30 for 1st 12 hour delay & then £20 for each 12 hours thereafter up to £250	Nil
Missed departure	Up to £500	Nil	Up to £750	Nil
Personal Luggage	Up to £1,000	£50	Up to £2,000	£50
Single article, or Pair or Set of articles	£200		£350
Valuables	£400		£700
Luggage Delay	£50 per 12 hours up to £150	£50	£75 per 12 hours up to £225	£50
Money & Passport	£500		£750
Cash limit	£200		£350
Cash limit under 18 years old	£50		£50
Personal Liability	Up to £1,000,000	£250	Up to £2,000,000	£250
Personal Accident	Up to £10,000	Nil	Up to £25,000	Nil
Legal Expenses	£10,000	Nil	£10,000	Nil
Hijack	No cover	Nil	£100 per day up to £1000	Nil
Winter Sports Cover
Skis, ski equipment	£500	£50	£750	£50
Ski pass	Up to £75 per day up to £300	Nil	Up to £75 per day up to £450	Nil
Ski equipment delay	£20 per day to up £300	Nil	£20 per day to up £400	Nil
Piste closure	£30 per day up to £300	Nil	£40 per day up to £400	Nil
Avalanche or landslide	Up to £200	Nil	Up to £200	Nil

For further details or clarification of the above please refer to your policy.

IMPORTANT HEALTH REQUIREMENTS
This insurance policy is designed to cover you for unforeseen illnesses and accidents occurring during the period of insurance.

Have you, anyone travelling with you or any person on whose health the trip depends (i.e. you would cancel or curtail your trip due to this person's illness, injury or death):

1) suffered from any UNDIAGNOSED symptoms that may require investigation or treatment in the future?
2) been prescribed any medication, received any treatment, undergone any investigations or attended any consultations (with GP or specialist) for ANY medical conditions during the last 12 months (other than common colds or flu)?
3) ever been prescribed medication, received treatment or undergone investigations for:
i) a heart attack, angina, chest pains or any other heart condition?
ii) high blood pressure, blood clots, high cholesterol or any other circulatory disease?
iii) any form of stroke, Transient Ischaemic Attack (TIA) or brain haemorrhage?
iv) ever been diagnosed with a cancerous condition?

4) been placed on a waiting list for out/day/in-patient treatment, investigations or surgery?
5) been diagnosed with a terminal condition?
6) been diagnosed as suffering from anxiety or depression or any psychiatric condition before applying for this insurance.
7) are you aware of any reason why the trip could be cancelled or curtailed, or of any Pre-existing condition which could result in a claim?

If you answer "YES" to any of the questions above at the time of taking out this insurance, or at any time between taking out the insurance and the start date of your trip, you must notify the Mark Warner Medical Helpline immediately on 0871 423 8894. Any claims relating to such conditions, which have not been declared, will not be covered by this insurance.

If circumstances change after you have taken out this insurance, we reserve the right to alter the terms of this insurance based on the changed circumstances.

Cover for the conditions will only be provided following our acceptance. If you have any queries please do not hesitate to contact the Mark Warner Medical Helpline on 0871 423 8894.

Sun 0871 703 3887
Ski 0871 703 3888
After sales 0871 703 3893