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Any form of activity travel includes a degree of risk and we insist upon all our customers being adequately covered before departing on one of our holidays. We can offer a specially designed insurance package which provides comprehensive cover for all our holidays. You are not obliged to take our insurance but we do need details of your equivalent and alternative cover before you travel. Details of our insurance cover are provided below. Before purchasing any policy, you should be satisfied that the policy meets your specific requirements. If you have any questions or wish to see the full details and terms and conditions please contact us. If you wish to purchase our insurance at the time of booking, your policy certificate will be automatically sent with your booking confirmation. Should you wish to purchase our travel insurance policy please complete the attached form and medical disclaimer and return them with your holiday booking form to Adriatic Adventures.
Insurance Certificate: this contains full details of the cover provided plus the conditions and exclusions which apply to it. You must read the insurance certificate carefully. Conditions and Exclusions: there are conditions and exclusions which apply to individual sections and general conditions and exclusions which apply to the whole certificate. Date Change Exclusion: changes in dates could see widespread failure of computer and other systems containing computer chips, which depend of date-related information in order to work properly. Other than Medical Expenses, Hospital Benefit and Personal Accident, your certificate excludes anything directly or indirectly caused by failure of any computer hardware or software or other electrical equipment to recognise or process any date as the true calendar date. Fraudulent Claims: the making of fraudulent claims is a criminal offence. Medical Expenses: the certificate does not provide private health treatment unless specifically approved by the emergency service. Health: the certificate 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 known medical conditions of such people prior to cover being issued and you must be aware that failure to disclose such information will prejudice your position. Our booking form incorporates a declaration in this respect. Property Claims: these are settled on an indemnity basis Ð not on a Ônew for oldÕ or replacement cost basis, unless otherwise stated in the certificate. Certificate Limits: most sections of of the certificate have limits on the amount the insurer will pay under that section. Some sections also have inner limits Ð e.g. for one item, or for valuables in total. Excesses: claims under most sections of the certificate will be subject to an excess. Where there is an excess, you will be responsible for paying the first part of a 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: this insurance certificate included a Complaints Procedure, which tells you what steps you can take if you wish to make a complaint. Cooling off period: the certificate contains a 'cooling off' period which allows you to return the certificate within 14 days of the date of issue or prior to travel (whichever the sooner) and obtain a full refund if you have justifiable reason to be dissatisfied with the cover provided. Hazardous Holiday Activities: the certificate may not cover you when you take part in certain hazardous activities. However, the certificate will cover you for any activities included in the itinerary for the holiday being booked from this brochure. If you want cover for any other hazardous activities, other than those included in your itinerary, please discuss your requirements with us. UK Law allows the parties to choose the law applicable to the contract. The contract will be subject to English Law unless otherwise agreed. Please ensure you
read your insurance certificate carefully Brief details of
the cover provided are as follows: ++ The limit varies according to the cost of the trip and/or the limit chosen by you. ** For certain tours these Excesses are increased, and will be advised to you when negotiating the insurance cover. Premiums Different premiums may apply if you are aged 66 to 75. Please contact us for details. We can also provide details for annual and family policies. The premiums are inclusive of Insurance Premium Tax (IPT) and are shown against each individual holiday in the brochure. If you are aged 70 years or over the premiums are different, and a Medical Certificate from your Medical Attendant confirming that you are fit enough for the trip you plan to join, must be produced before cover can be confirmed. You do not have to use this scheme, but if you make your own insurance arrangements, documentary evidence of your own Policy is required, which must contain evidence of satisfactory cover for repatriation and helicopter rescue. Annual Insurance Cover (Not available to residents of the USA or Canada) This insurance policy can also provide annual cover for mountaineering activities as well as other types of holiday, making it a very cost-effective option. There are two bands of premiums, depending on the type of mountaineering being undertaken, and you can select the amount of cancellation cover required. Annual insurance cover is effective from 12 months from the date of issue of the certificate and covers not only your expedition with us, but any other periods or holidays away from your home between 2 nights and 90 days in duration, subject to the terms and conditions of the certificate issued. Annual insurance can
be extended to include your spouse or partner for a further 60% of
the initial premium, or the whole family (including your spouse or
partner and all dependent children under the age of 18 who are in
full time education) for double the premium for an individual. Please
contact us for annual insurance premiums. For more information
please contact or telephone us on +44 (0)20 8566 2449 Copyright © Adriatic Adventures Limited 2007 All rights reserved. |
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