COMPREHENSIVE TRAVEL INSURANCE
Choosing the right travel insurance is essential for peace-of-mind protection on your holiday.  That is why we have arranged a comprehensive policy at a great price with Belmont International Limited.

Cover includes 24 hour emergency medical assistance provision by Inter Group Assistance Services who can be contacted on 01252 740 100 (Fax: 01252 740 110). 

VITALLY IMPORTANT - PLEASE READ

For travel in the UK cover is automatically available for stable pre-existing condition(s) unless you answer 'Yes' to any of the first five questions following, in which case no cover is available for any claim that is directly or indirectly linked to the medical condition(s) which caused you to answer 'Yes'.

1. Has anyone ever been diagnosed as suffering from stress, anxiety, depression or any other psychiatric condition?
2. Has anyone been given a terminal prognosis?
3. Will anyone be more than 26 weeks pregnant by the time you return from your trip?
4. Is anyone travelling or acting against medical advice?
5. Is anyone on a waiting list for in-patient treatment, awaiting treatment or awaiting the results of medical investigations or tests?

If you are holidaying in the Channel Islands, Eire or Europe it is also necessary to consider the following two questions in 'respect of yourself, your travelling companions or anyone else whose health would affect your holiday plans:

1. Does anyone have any medical conditions that require ongoing medication?
2. Has anyone been treated or investigated for any medical conditions during the last twelve months?

To recap, if you can answer 'No' to all of the above-mentioned questions, you have full cover and don't need to contact Travellers Protection Services.

If you answer 'Yes' to any of the first five questions, unfortunately there is no cover available under the policy for the cause of your 'Yes' answer.

If you answer 'No' to the first five questions, but answer 'Yes' to the final two questions, you do need to call Travellers Protection Services, who may be able to assist you by tailoring the policy to suit your needs. Depending on the pre-existing conditions, an additional premium may be payable.

For total peace of mind call Travellers Protection Services on 08707 744408.

The medical screening help line is operated by Travellers Protection Services.

This travel insurance has been arranged by Belmont International Limited with travel and leisure insurance specialists, Travellers Protection Services Limited, UK Underwriting Limited and Inter Group Assistance Services. Belmont International Limited is authorised and regulated by the Financial Services Authority (Firm Reference No. 149724). Travellers Protection Services Limited is authorised and regulated by the Financial Services Authority (Firm Reference No. 31 1788).

We would like to be sure that you fully understand the terms of cover that we are included.

Your Certificate This contains the full details of what is and what is not covered. Please read it carefully to ensure that you understand the cover provided. If you would like a specimen copy, this can be made available to you on request.

Pre-Existing Conditions Your insurance contains conditions, which relate to your health and that of others not necessarily travelling with you, but upon whose well being your holiday depends. If you know of any reason, medical or otherwise, as to why you may need to claim under your policy, you must advise Travellers Protection Services Ltd before you effect cover.

Conditions and Exclusions These limit or restrict the cover provided by your insurance. Some apply to all sections of the certificate and some are specific to certain sections.

Claims for Personal Belongings Cover under your insurance for personal belongings is not on a "new for old" basis, so if you make a claim, deductions may be made for wear and tear.

Sums Insured All sections of your policy have a limit on the amount that your insurers will pay. You should read and understand the limit that applies to each section.

Excesses Under some sections of your insurance claims will be subject to an excess. This means that if you receive a settlement for a claim, an amount specified in your policy will not be paid to you.

Reasonable Care Your insurers require that you take care to protect yourself and your personal belongings at all times and to act as if you were not insured.

Dangerous Sports or Pastimes You should check your policy to make sure that you are covered for all the activities that you intend to undertake during your holiday.