EXCLUSIVE SUNRISEDIRECT COVER

• No automatic exclusions for pre-existing medical conditions*
• No age restrictions
• Underwritten by ETI - International Travel Protection
• 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 ETI - International Travel Protection (the UK branch of Europäische Reiseversicherung AG) who are licensed by the Bundesanstalt für Finanzdienstleistungsaufsicht (BAFIN - www.bafin.de) and approved by the Financial Services Authority to undertake insurance business in the UK with Towergate Chase Parkinson (TCP), a trading name of Towergate Underwriting Group Limited which is 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. The UK Holiday Group Ltd trading as SunriseDirect is an Appointed Representative of ITC Compliance Ltd which is authorised and regulated by the FSA (their registration number is 313486).

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 0844 892 1698 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?
• you travelling against the advice of a medical practitioner or for the purpose of obtaining medical treatment? ?
• Have you been given a terminal prognosis?

Holidays outside of the UK but within Europe

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 Chase Parkinson 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 the booking of the trip you must obtain from a medical practitioner at your cost, confirmation that you will be fit enough to take the trip.
• If you are undergoing medical treatment as a hospital out-patient at the date the final balance of the trip is due to be paid, you must obtain a certificate of fitness confirming your ability to travel at your own cost.
• If you are on medication at the time of travel your condition is stable and well controlled.

Holidays outside of UK and Europe

You must inform Towergate Chase Parkinson of any medical conditions that may affect the Underwriters acceptance of your cover. Please therefore telephone Towergate Chase Parkinson on 0844 892 1698 to inform them if anyone to be covered by this policy or any person upon whose health the trip depends a) has or has had a medical condition b) is taking prescribed medication c) has or has had any condition still requiring periodic review d) is awaiting any tests, treatment, investigation, referral or the results of these

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
View Sunrise Direct Status Disclosure Document.
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. The Terms and Conditions of this Insurance are as per the Certificate of Insurance only, and the summary of cover and benefits below does not form part of the contract of insurance between the Insured and the Insurer. This insurance cover has been designed to protect our holidaymakers against the vast majority of problems that may occur on holiday. However, in common with all policies of this type, it is impossible to cover against every eventuality. Therefore, to serve as a guide only, we have set-out below a summary of the principal cover and benefits provided under the insurance. We strongly recommend that you 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 - £2,000

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 compulsory witness 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. p>

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 £2,000

Up to £2,000 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 doctor’s bills, hospital bills, etc under the Medical Expenses section.p>

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 £40 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 but we will be happy to provide you with factual information to assist you in making an informed buying decision. The UK Holiday Group Ltd trading as SunriseDirect is an Appointed Representative of ITC Compliance Limited which is authorised and regulated by the FSA (their registration number is 313486).

To make a Claim
All claims should be made direct to Towergate Chase Parkinson, P.O. Box 416, West Byfleet, Surrey KT14 7YE. Telephone 0844 892 1697.

If you have any queries about this insurance please contact Towergate Chase Parkinson on 0844 892 1697 who will be pleased to assist.

Holiday insurance premiums

(All travel insurance includes insurance premium tax.)