Powells Cottage Holidays

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Personal Holiday Insurance

Personal Holiday Insurance

Important information about your travel insurance. You should read the full policy for all terms & conditions.

INSURER

and administered in the United Kingdom by Mondial Assistance (UK) Limited.

and us. We will pay for any claim you make which is covered by this policy and

happens during the period of insurance. Unless specifically mentioned the

benefits and exclusions within each section, apply to each insured person. Your

policy does not cover all possible events and expenses.

Certain words have a special meaning as shown under 'Definition of words'. These

words have been highlighted by the use of bold print throughout the policy.

POLICY LIMITS

Each section of the policy shows the most you can claim

but other limits may apply. For example under the

Personal Possessions & Personal Money Section there are

other specific limits for any one item and for valuables

(including photographic equipment). If you intend to take

expensive items with you please check that you are fully

covered.

CONDITIONS AND EXCLUSIONS

Your policy does not cover all possible events and

expenses. There are conditions and exclusions that apply

to individual sections of the policy and general conditions

and exclusions that apply to the whole policy.

TELLING US ABOUT RELEVANT FACTS

Before you travel you must tell us about anything that

may affect your cover. If you do not tell us about

something that may be relevant, your cover may be

refused and we may not cover any related claims.

Price of Personal Insurance policies:

Short Breaks

just£11

Week Breaks

just£21

SUMMARY OF COVER

The following is only a summary of the main personal travel cover limits.

You should read the rest of this policy for the full terms and conditions.

Excess per

(unless otherwise shown)

1. Medical repatriation &

other expenses

Medical repatriation £25,000 £40

Emergency accommodation £500 Nil

Visit by close relative £500 Nil

Transportation of deceased £1,500 Nil

Hospital inconvenience benefit £25 per day/£500 in total Nil

Repatriation of vehicle/

personal possessions £1,000 Nil

Additional assistance Reasonable costs Nil

2. Personal accident Nil

Death £10,000

Loss of eye(s), limb(s) £15,000

Permanent physical disability £15,000

3. Personal liability £2,000,000 Nil (£100 damage

to accommodation

per Party)

4. Personal possessions & £40

Personal money

Possessions £1,500

Money £250

5. Unexpected events Nil

Travel delay - over 6 hrs £30

Polluted beaches £30 per day/£150 in total

Catastrophe cover £1,000

Nuisance cover £1,000

Note (1)

The excess under Section 1- Medical repatriation & other expenses is increased

to £80 if the claim is due to an existing medical condition. Please see

Important - Medical Conditions on page 2.

If you have paid the excess waiver premium, the standard excess is reduced to

Nil, in the event of a claim.

Note (2)

Some sections of cover also have extra sub-limits. For example, Section 4 -

Personal possessions & Personal money has a limit for valuables and for a

single article, pair or set.

HAZARDOUS ACTIVITIES

If you are going to take part in any hazardous sports or

activities you should check that the policy covers you.

CANCELLATION RIGHTS

If your cover does not meet your requirements, please

return the documentation within 14 days of receipt and

your premium will be refunded in full unless you have

travelled made a claim or intend to make a claim.

MAKING A COMPLAINT

The policy contains a complaints procedure which tells

you what steps you can take if you wish to make a

complaint.

POLICY EXCESS

Under some sections of your policy, you will have to pay

an excess. This means that you will be responsible for

paying the first part of the claim for each person insured,

for each section, for each incident. The amount you have

to pay is the excess.

All details correct as at date of print but subject to

change without notice.

PREMIUMS

The premiums for this insurance have been specially

arranged on your behalf. The benefits on offer to you are

charged on a per cottage, not per person basis. Protect

everyone in your party, regardless of the number of

people involved.

BASIS OF ADVICE

We can only offer insurance products from PJ Hayman &

Company Limited.

VALID PERIOD

The insurance offerings are available for holidays booked

between 1st October 2009 and 30th October 2010, and

which depart between 2 Jan 2010 and 25 December 2010

inclusive.

DEMANDS & NEEDS STATEMENT

This product meets the demands and needs of those

requiring cover against Medical Repatriation and other

Expenses, Personal Accident, Personal Liability, Personal

Possessions & Personal Money or other Unexpected

Events (travel delay/polluted beaches/catastrophe

cover/nuisance cover) whilst on holiday.

STATUS DISCLOSURE

W M Powell Development Co Ltd trading as Powells

Cottage Holidays is authorised and regulated by the

Financial Services Authority in respect of insurance

mediation activities only. The FSA register reference is

312430, which can be checked by visiting www.fsa.gov.uk

or contact the FSA on 0300 500 5000.

For claims or queries about this cover, please contact:

P.J. Hayman & Company Ltd.

Stansetad House, Rowlands Castle, Hants, PO9 6DX

Claims Dept Telephone:

Customer services (for cover queries) Telephone: