Personal Holiday Insurance Terms
Your Personal Cover
You are covered for theft, loss or damage, for up to £2,000 (and up to £300 for any one article).
If you lose money, or it is stolen on holiday, you can claim for cash up to £300 per adult, with reduced limits for children under 16 years of £100.
You are insured for up to £2,000,000 to cover for legal liability and £100,000 towards property damage
Our insurers will pay up to £20,000 in the event of, loss of one or more limbs, eyes or permanent disability or in the event of accident death £10,000 (up to 65 years of age). For children under 16 years of age the death benefit is up to £2,000.
You will be covered if you become ill or are injured of up to £2,000
Holiday Cut Short
Holiday curtailment cover of up to £1,000 towards travel and accommodation expenses.
Your Car Breakdown & Accident Recovery Insurance:
To give you added security you are covered for two cars during your holiday. Please note – you can only claim against one car
Up to £300 towards labour charges for emergency repairs if your car becomes unusable for more than 24 hours, towards the cost of recovery and storage at a garage
Up to £70 per day (and £600 in all) to hire a similar car to continue your holiday
Up to £50 per person (and £250 in all) for any hotel accommodation, resulting from car breakdown.
- Breakdown due to lack of petrol, water or frost damage.
- Cost of spare parts.
At the start of your holiday the vehicle must be in a roadworthy condition and have been regularly serviced in accordance with manufacturer's recommendation. A more detailed policy summary or a specimen policy is available upon request. Please note this vehicle breakdown does not provide an emergency call/road assistance facility. All costs must be paid for then claimed back.
Important notice about your insurance
Under the Association of British Insurers General Business Code of Practice, we must draw your attention to important features of your policy including:
Policy document - You should read this document carefully. It gives you full details of what is and what is not covered and the conditions of the cover. Conditions and exclusions will apply to individual sections of your policy while general exclusions, conditions and warranties will apply to the whole of your policy.
Dangerous sports and past times - If you are going to take part in dangerous sports or pastimes where there is a high risk of injury, check that your policy covers you.
Property claims - These claims are paid based on the value of the goods at the time you lose them and not a 'new for old' or replacement cost basis unless otherwise stated in your policy.
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 if you are intending to take expensive items with you.
Policy excesses 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, the amount you have to pay is the excess.
Reasonable care - You need to take all reasonable care to protect yourself and your property, as you would if you were not insured.
Complaints - Your insurance policy will have in it a complaints procedure which tells you what steps you can take if you wish to make a complaint.
'Cooling off' period - Your policy contains a 14 day 'cooling off' period during which you can return the policy and get a refund, if this insurance policy fails to meet your needs. A refund of premium is only available for a single trip policy if the period from the date of issue of the policy to your scheduled return date home is greater than 28 days.
Your policy is governed by English law unless you and your insurers have agreed otherwise. If you would like more information, you should ask the person selling the travel insurance, particularly if you feel the insurance may not meet your needs. This information is a summary of the main terms of cover. You will be sent a policy document containing full terms with your booking confirmation.
PLEASE MAKE SURE YOU READ YOUR POLICY CAREFULLY.
If you require any assistance regarding this policy then please call our advisors on 0344 335 3572
In the event of booking cancellation the insurance premium is non refundable.
Holiday insurance is sold by Parkdean Holiday Parks Limited, a member of the Parkdean Resorts group of companies. Parkdean Holiday Parks Limited is registered in England: 5729719. Registered office: One Gosforth Park Way, Gosforth Business Park, Newcastle Upon Tyne, NE12 8ET. VAT registration 741848416. Parkdean Holiday Parks Limited is the appointed representative of Parkdean Holidays Limited who are authorised and regulated by the Financial Conduct Authority under FCA firm Reference No. 311827.