Ideal Cruising Travel Insurance

A relaxing and carefree holiday for you and your family is our top priority. Your protection is so important that we make it a condition of booking that you supply details of the insurance cover you have in place. We will be happy to help you with our specially designed travel insurance package, which will cover you for the duration of your holiday, is simple to understand and sensibly priced. Click here to view our Terms of Business document.

POLICY SUMMARY

This policy summary does not contain the full terms of your travel insurance policy, which can be found in the Policy Document.

Insurer

Ideal Cruising travel insurance is underwritten by AXA Insurance UK plc.

Type of Insurance and eligibility
This is a holiday insurance policy which is available to UK and EU residents, who are registered with a local Doctor and aged 80 or under at the time of issue.

Summary of Benefits
The significant features and benefits for each insured person are shown in the table below. These vary according to the cover option selected.

SECTIONS	COVER	EXCESS
Concierge Service	£250	Nil
Medical Emergency, Repatriation, Additional Accommodation & Travelling Costs	£10,000,000	£65
Emergency Dental Treatment	£250	£65
Hospital Daily Benefit (£25 per day)	£800	Nil
Cancellation, Curtailment & Trip Interruption	£5,000	£65
Delayed Departure £20 first 12 Hrs, £10 each Subsequent 12 Hrs Abandonment after 12 Hours	£300 £5,000	Nil £65
Missed Departure (Europe/Worldwide)	£500/£1000	Nil
Baggage Single Item Limit Total Valuables Business Sample/ Documents	£2,000 £300 £300 £400	£65 £65 £65 £65
Baggage Delay	£100	Nil
Money & Passport Cash (Under 18 Years)	£500 £200 (£50)	£65 £65
Personal Liability	£2,000,000	£65
Personal Accident Death Loss of one or more limbs, or total irrecoverable Loss of Sight in one or both eyes Permanent Total Disablement	£20,000 £20,000 £20,000	Nil Nil Nil
Legal Protection	£25,000	Nil
Extended Kennel and/or Cattery Fees	£250	Nil

Important Health Requirements

Anyone insured on this policy will not be covered under certain sections of the policy if they have:

Unless all relevant medical conditions are declared to and accepted by us in writing. Please go to www.healthcheck247.com or call on 0845 618 0345 to declare any existing medical conditions. If your state of health changes between now and the date of travel, you may need to declare this information if you intend to continue with your trip.

The policy also contains conditions and exclusions if you need to cancel or curtail your trip, specifically relating to close relatives or anyone you will be staying or travelling with. Please ensure you read your policy document carefully.

Other significant policy exclusions and limitations

Sports & Recreational Activities: Participation in certain activities and sports, on a recreational and non-professional basis are covered within the terms of the policy at no additional premium. Certain activities and sports may however be subject to amended terms and conditions. Please see the sports and activities section of the policy document for further details or contact Ideal Cruising if you are in any doubt over the cover.

Third Party Liability: If you use a motorised vehicle (e.g. car, motor cycle, moped or scooter), sail or powered boat, or an airborne craft, no liability cover will apply under this policy and you must ensure that you have cover for third party injury or property damage in place.

Cancellation rights: If your cover does not meet your requirements, you may cancel cover within 14 days of receiving your insurance document/certificate and return all your documents for a refund of your premium, provided you have not travelled, made a claim or intend to make a claim. To cancel the policy contact Ideal Cruising on 0845 296 1320.

Making a claim

For policies issued before the 1st January 2010
Telephone 0844 338 5814, and ask for a claim form or download from www.eaclaims.co.uk/CTB. You should fill in the form and send it to Europ Assistance Travel Claims, Sussex House, Perrymount Road, Haywards Heath, West Sussex, RH16 1DN with all the information and documents we ask for. You will need to obtain some information about your claim while you are away. Please refer to the policy document for details.

For policies issued after the 1st January 2010
Telephone AXA Assistance Claims Department on 0844 811 8459. All claims must be notified within 31 days of your return by completing the relevant claim form and enclosing any original documentation, where applicable. Please refer to the relevant section of your policy for specific conditions and details of the supporting evidence. It is advisable to retain copies of all documents when submitting your claim form. For full details of the claims process, please refer to your policy document.

Making a complaint
If you are unsatisfied with any aspect of this policy or the service provided by your insurer, please contact:

For policies issued before the 1st January 2010
The Quality Department, Europe Assistance Holdings Limited, Sussex House, Perrymount Road, Haywards Heath, West Sussex, RH16 1DN

For policies issued after the 1st January 2010
Head of Customer Care, AXA Insurance, Civic Drive, Ipswich, IP1 2AN
Tel: 01473 205926
Fax: 01473 205101
e-mail: customercare@axa-insurance.co.uk

If you are not satisfied with the final response you can refer the matter to the Financial Ombudsman Service.

Financial Services Compensation Scheme (FSCS)
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you. This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk).