Travel Insurance Conditions

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Please note that this insurance is only available to EU residents

Travel insurance is a vital aspect to booking a holiday, giving you protection against unforeseen circumstances that could otherwise spoil your holiday. It is essential that you purchase travel insurance that properly covers your participation in whatever activities you may undertake at the time that you make your booking. To assist you with this, we have arranged competitive travel insurance through specialist Insurance Brokers Campbell Irvine Ltd which automatically covers any activity booked with Saddle Skedaddle. It is your responsibility to ensure you arrive at the start of the Saddle Skedaddle itinerary within a reasonable time to commence the tour, as we cannot refund you outside the terms of our Booking Conditions. If you have booked flights independently, you may wish to consider arranging insurance in addition to the cover granted under our standard travel insurance policy to cover the cost of cancelled itinerary if your airline cancels your flight and you cannot make it to the start of your tour. Contact us to find out more details.

To arrange cover simply call 0191 2651110. Should you decide not to purchase our insurance, you must provide us with details of your alternative insurance with your final payment.

The schedule of the cover below sets out a summary of the cover provided by our tailored insurance.

Single trip policy
Schedule of cover
 
 
 
Section
Sum insured per person
Excess per person
Standard cover
C    Cancellation and Curtailment
Up to £5,000
£70
A     Emergency medical repatriation
       and associated expenses 
       abroad
       Hospital In patient benefit


      Criminal Injuries


      Personal Liabilities
Up to £5,000,000
 

£20 for each 24 hour period to a max. of £200

£100 for each 24 hour period to a max. of £5000


Up to £2,000,000
£70

Nil


Nil


£70
B    Personal accident
Up to £25,000 (age limits apply)
Nil
D    Delayed departure or Arrival
          Travel delay
 
        Missed departure
        Hijack

        Interruption of Transport
£25 for each 12 hour period to a maximum of £100

Up to £1,000
£100 for each 24 hr period to a max. of £3000

Up to £300
Nil
 

Nil
Nil

Nil
E      Personal Effects
        Money
        Tickets
        Passport or Visa
        Delay baggage (after 12 hours)
Up to £2,000
Up to £300
Up to £1000
Up to £250
Up to £100
£70
£70
£70
£70
Nil
F     Legal expenses
Up to £15,000
£250


Premiums including Insurance Premium Tax – UK
Period
Per person
 
Period
Per person
Up to 4 days
£14.00
 
Up to 24 days
£28.00
Up to 9 days
£17.00
 
Up to 32 days
£35.00
Up to 17 days
£20.00
 

Premiums including Insurance Premium Tax – Europe
Period
Per person
 
Period
Per person
Up to 4 days
£22.00
 
Up to 24 days
£45.00
Up to 9 days
£28.00
 
Up to 32 days
£53.00
Up to 17 days
£34.00
 
Up to 45 days
£80.00

Premiums including Insurance Premium Tax – Worldwide excluding North America
Period
Per person
 
Period
Per person
Up to 4 days
£52.00
 
Up to 24 days
£78.00
Up to 9 days
£62.00
 
Up to 32 days
£82.00
Up to 17 days
£70.00
 
Up to 45 days
£126.00

Premiums including Insurance Premium Tax – Worldwide
Period
Per person
 
Period
Per person
Up to 4 days
£76.00
 
Up to 24 days
£110.00
Up to 9 days
£90.00
 
Up to 32 days
£118.00
Up to 17 days
£100.00
 
Up to 45 days
£170.00

• Infants 0 to 2 years – free when travelling with an insured adult
• Children aged 18 years –  half the standard adult premium when travelling with an insured adult.
• Family rate - 2 1/2 times the base premium - 2 adults with up to 4 children aged 18 years or less.
• Person aged 66 to 70 years on departure – 2 times the base premium
• Person aged 71 to 75 years on departure – 3 times the base premium

Annual Multi trip insurance
 
 Europe Worldwide
Individual £72.00 £110.00
Couple / Family
 £110.00 £160.00

• Children aged 18 years  and under free
• Maximum duration of any one trip 31 days
• Includes Winter Sports Activities, maximum 17 days per year
• Person aged 66 to 69 – 2 times the base premium

All premiums shown are inclusive of the government imposed premium tax currently at 20% and are valid for all policies issued up to 31/12/2012

Important declaration

This is only a summary of cover, full details of the cover provided are shown on your policy document which will be sent to you once the appropriate premium has been paid. When you receive your Policy Document and Policy Summary please read it carefully to ensure that you are happy with the cover provided, as this insurance is being sold to you on a Non Advised basis from a single insurer, Ace European Group Ltd. The Policy Document also contains details of our 14-day money back cooling off period and full details of how to make a claim.

The Policy includes certain terms conditions, exclusions and excesses. In particular cover is excluded for any defined pre-existing medical condition from which you or any person upon whom travel depends are suffering. If in doubt please contact our medical helpline in confidence on 0844 826 2686 as additional cover may be purchased directly from the insurer’s medical screening help line for certain pre-existing medical conditions. Should you wish a specimen, a copy will be made available prior to purchase upon request or alternatively a copy may be downloaded from our website.

Saddle Skedaddle Limited is an Appointed Representative of Campbell Irvine Ltd and Campbell Irvine Ltd are authorised and regulated by the Financial Services Authority. This can be checked on the FSA’s register by visiting the FSA’s website at www.fsa.gov.uk or by contacting them on 0845 606 1234.

Failure to comply with the terms & conditions of the policy may result in cover being restricted.

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