Personal Holiday Insurance

It is important to us that your holiday is trouble free and enjoyable. With this in mind we have, on your behalf, negotiated special arrangements for Personal Travel Insurance.

All members of your party will be covered unless you delete the insurance section on the booking form, or, for Personal Accident cover if persons exceed the limit of 75 years of age. Cost details are shown on the booking form and below.

Important information about your travel insurance.

INSURER

This insurance is underwritten by URV, Branch Office of Union Reiseversicherung AG for the United Kingdom. Union Reiseversicherung AG are authorised in Germany by BaFin and subject to limited regulation in the United Kingdom by the Financial Services Authority and are members of the Financial Services Compensation Scheme. Administered in the United Kingdom and Ireland by Travel Insurance Facilities plc. Travel Insurance Facilities plc are authorised and regulated by the Financial Services Authority.

POLICY DOCUMENT

The policy wording gives you full details of what is and what is not covered and what to do if you need to claim. It is very important that you read the whole of this policy before you travel and make sure the cover is suitable for you. Please make sure that you take it on holiday with you in case of an emergency. A copy of the policy wording is available on request.

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.

IMPORTANT - MEDICAL CONDITIONS -HEALTH EXCLUSION

All claims are excluded where at the time of taking out this insurance :

1.The insured person:

(i) is aware of any set of circumstances which could reasonably have been expected give rise to a claim; or

(ii) has suffered from a chronic or recurring illness during the previous twelve months UNLESS permission is obtained from the treating doctor of fitness to travel at the time of booking; or

(iii) Is travelling against the advice of a Doctor or where they would have been if they had sought their advice before beginning the trip; or

(iv) knows that they will need treatment or consultation at any medical facility during the trip; or

(v) is travelling for the purpose of obtaining and/or receiving any elective surgery, procedure or hospital treatment;

2. The person whose condition gives rise to a claim:

(i) is receiving, or on a waiting list for treatment in a hospital or nursing home; or

(ii) is awaiting the results of any tests or investigations; or

(iii) has been given a terminal prognosis

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.

HAZARDOUS ACTIVITIES

If you are going to take part in any hazardous sports or activities you should check that the policy covers you.

SUMMARY OF COVER

The following is only a summary of the main cover limits and you should read the policy document for the full terms and conditions.

SECTION LIMIT (UP TO) per person EXCESS per person (unless otherwise shown) (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 & Personal Money £40

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

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.

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.

£21.00 per cottage per week

£11.00 per cottage for 3 nights

£ 3.00 per cottage each additional nights cover

All premiums include Insurance Premium Tax at the current rate.

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 2012 and 31st October 2013, and which depart between 1st October 2012 and 31 December 2013 inclusive.

ELIGIBILITY

Eligibility - UK Residents

The policy is available to residents of the United Kingdom.*

*United Kingdom/UK is defined as England, Scotland, Wales, Northern Ireland and the Isle of Man.

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 http://www.fsa.gov.uk/ or contact the FSA on 0300 500 5000.

For queries about this cover, please contact:

P.J. Hayman & Company Ltd.

Stanstead House, Rowlands Castle, Hants, PO9 6DX

Customer services (for cover queries)

Telephone: 0845 260 1634

All details correct as at date of print but subject to change without notice.