Essential Travel Protection for SunriseDirect holidaymakers

• No automatic exclusions for pre-existing medical conditions*
• No age restrictions
• Underwritten by AXA – one of Europe’s biggest insurers
• Easy claims handing
• No-quibble money back guarantee*

*Terms and conditions apply, see Important Information below

It is a condition of booking a SunriseDirect holiday that you are adequately insured, either with ourselves or another insurance provider. Should you decide to insure elsewhere you must supply details of this alternative insurance.

Our own insurance scheme is underwritten by AXA Insurance UK plc, with Towergate Chase Parkinson (TCP), who are part of the Towergate Underwriting Group Limited and are authorised and regulated by the Financial Services Authority (FSA). On the Insurance Certificate we send to you, you will find the address and telephone number of TCP whom you must contact if you need to make a claim.

IMPORTANT INFORMATION

Health Matters
Holidays in Scotland, England, Wales and Northern Ireland

As long as you can answer NO to the following questions at the time of booking your holiday there will be no need to contact Towergate Chase Parkinson and you are automatically covered by the insurance. If you answer YES to any of these you must call Towergate Chase Parkinson on 0870 906 3144 and you may find that cover may be declined, restricted or excesses increased.

• Are you aware of any reason why the holiday should be cancelled or cut short?
• Are you travelling against the advice of a medical practitioner?
• Have you been given a terminal prognosis?

All other Holiday Destinations

In addition to answering NO to the three questions above, you must also satisfy the following conditions which arise between the date the policy is issued and the time of departure of the trip, together with any fact that is likely to influence the acceptance, assessment or continuance of the insurance policy. Any failure to notify Towergate of these conditions may well invalidate your insurance and so prevent you making a claim.

• If you have received medical treatment as a hospital day case, in-patient or out-patient during the six months prior to booking the trip you must obtain written confirmation from a medical practitioner, at your own cost, that you are fit enough to travel.
• If you are undergoing medical treatment as a hospital out-patient at the time of the final balance of the trip is due to be paid you must obtain written confirmation from a medical practitioner, at your own expense, of your fitness to travel.
• If your medication at the time of travel is not stable and well controlled

Money Back Guarantee
If, after reading the full Terms and Conditions on your Certificate of Insurance, you feel that the cover offered does not adequately meet your needs, we will refund your premium. In order to cancel the insurance and claim your refund you must notify us in writing with 14 days of receiving your Insurance Policy

Demands and Needs
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 unforeseen events detailed in the cover section below, subject to the stated terms and conditions and maximum specified claim limits.

SUMMARY OF BENEFITS AND COVER
Note: We will not provide you with advice about the suitability of this product for your individual needs but we will be happy to provide you with factual information.

We have set-out a summary of the principal cover and benefits provided under the insurance, which should serve as a guide only. You should read this carefully before booking to decide yourself whether the cover is adequate for your needs, but please remember that the full Terms and Conditions of this policy are contained on the Certificate of Insurance sent to you with your Confirmation Invoice. Non-permanent residents of the UK are not covered by the medical and repatriation sections of this policy.

Limits of Cover, Per Person:-

Cancellation - up to the final invoice cost

Cancellation due to specified causes as detailed within the travel insurance document eg:-
a) death, injury or illness as certified by a doctor, summons for jury service or as a compulsorywitness in a court of law (other than in the line of duty) to be undertaken during the Period of Insurance, redundancy qualifying for payment under the current Redundancy Legislation, etc.
b) unavoidable delay exceeding 12 hours at final point of departure from the UK as a result of failure or disruption of the pre-booked public transport service in which the Insured was to depart from the UK.

Medical/Emergency Repatriation

Expenses- £1,000,000

Includes repatriation by air ambulance where medically necessary and with prior approval of the Insurers or the 24 hour emergency medical service.

Includes 24 Hour Medical Emergency Service Curtailment and Hospital Benefit Up to the final invoice cost following Insurers admitting liability for a claim under the Medical Expenses or Repatriation sections. Reimbursement of a pro-rata amount of the total pre-paid travel and accommodation costs. Hospital Benefit is paid in addition to any claim for doctors bills, hospital bills, etc under the Medical Expenses section.

Luggage and Personal Money - £1,500

Limit £200 any one item, pair or set.
Limit £200 jewellery, photographic equipment etc.
Limit £100 money.
Provided the Insured takes reasonable care and reports any loss or damage.

Delayed Luggage - Up to £100

Up to £50 for purchase of essential items if your luggage is delayed by the Carrier for each full 24 hours.

Personal Liability - £1,000,000

Personal Accident - £10,000
In respect of accidental bodily injury resulting in death, loss of eye(s), limb(s), or permanent total disablement.

Delayed Departure - £100

If departure of initial outward journey from the UK or final return journey to the UK is delayed due to failure or disruption of pre-booked public transport the Insurers will pay £20 for the first 12 hours of delay and £10 for each subsequent 12 hours up to a maximum of £100 in all.

Missed Departure - £500

Covering additional transport costs due to missing the pre-booked departure due to failure or disruption of pre-booked public transport.

Excesses

Nil for Loss of Deposit Cancellation Claims, Personal Accident, Personal Liability, Delayed Departure and Missed Departure Claims. For all other sections the insurers will exclude the first £35 of each and every claim.

24 Hour Emergency Assistance

The insurance includes a 24 hour English-speaking emergency telephone line, so you have peace of mind if you ever need help or assistance.

IMPORTANT

You may already possess alternative insurance(s) for some or all of the features and benefits provided by this product; it is your responsibility to investigate this. We will not provide you with advice about the suitability of this product for your individual needs; we will however be happy to provide you with factual information to aid you in making your own informed buying decision. SunriseDirect is an Appointed Representative of ITC Compliance Limited which is authorised and regulated by the Financial Services Authority (FSA).

To make a Claim
All claims should be made direct to Towergate Chase Parkinson, P.O. Box 416, West Byfleet, Surrey KT14 7YE. Telephone 0870 906 3144.

If you have any queries about this insurance please contact Towergate Chase Parkinson on 0870 906 3144 who will be pleased to assist.

Holiday insurance premiums