Brian Isaac Coach Holidays Travel Insurance
Brian Isaac Coach Holidays are an appointed representative of ITC Compliance Limited who are authorised and regulated by theFinancial Services Authority.

Just look at what we cover ...
No Age Limit
Cancellation Cover
Personal Accident Benefits
Medical Expenses Including Curtailment
Continental Medical Inconvenience
Personal Property
Loss of Passport
Missed Departure
Travel Delay
Personal Public Liability
24 Hour Emergency Assistance Service in the UK & Abroad
Premium Refund within 14 days of purchase providing you have not already travelled or made a claim
In the event of you tour being cancelled by us Full Premium Refund

For 2010 ~ No more form filling!
Health Conditions
If you are traveling in England, Scotland,Wales or Northern Ireland and can answer NO to questions 1, 2 and 3 immediately below, it will not be necessary for you to complete a Self Declaring Medical Form.The Standard Policy Terms, Conditions and Exclusions shall apply.

COACH HOLIDAY TRAVEL INSURANCE
A Special Coach Holiday Travel Insurance Scheme is available for all passengers travelling on our holidays from AXA Insurance
(UK) plc who are authorised and regulated by the Financial Services Authority .Should you wish to take advantage of our Coach Holiday Travel Insurance please include the appropriate premium when booking your holiday.

DEMANDS AND NEEDS
This insurance policy will suit the Demands and Needs of an individual ,or group(where applicable) who have no excluded
pre-existing medical conditions, are travelling in countries included within the policy terms and who wish to insure
themselves against unforeseen events detailed in the cover section below. Subject to the terms, conditions and maximum
specified claim limits.

POLICY EXCESSES
1 Day trips £Nil Loss of Deposit or Cancellation. For holidays 2 days or more Loss of Deposit £15.00,Cancellation, Curtailment,
Holiday Abandonment excess £50.00 each and every loss . Medical and Other Expenses, Personal Property and Money excess £50.00 each and every incident per Insured Person.

IMPORTANT
We will not provide you with advice about the suitability of this product for your individual needs but will be happy to provide
you with factual information We summarise below the details of the insurance cover provided which also includes SPECIALTY ASSISTANCE LTD - 24-hour emergency service.The following is a brief summary of the cover available. Full details of Cover, Policy Warranties and Exclusions will be forwarded with your confirmation of booking. In any event you may ask for a specimen copy of the Policy Wording before booking should you wish to examine this in advance.

Cover Sum Insured up to
Cancellation £3,500
Missed Departure/Travel Delay - £600/£60
Personal Accident - £15,000
Medical and other Expenses including Curtailment - £2,000,000
Medical Inconvenience Benefit - £450 (£15 per 24 hours)
Personal Property/Loss of Passport - £1,500/£200
Personal Liability-£2,000,000
Delayed Baggage- £100
Legal Expenses - £10,000
14 day Refund - Insurance Premium

IMPORTANT- HEALTH CONDITIONS
If you are travelling in England, Scotland, Wales or Northern Ireland and can answer NO to questions 1-4 immediately below, it will not be necessary for you to complete a Self Declaring Medical Form.The Standard Policy Terms, Conditions and Exclusions shall apply. It is a condition that at the time of taking out this policy and between that time and your departure you must comply with
each of the following: 1) You are not aware of any reason why the trip should be cancelled or cut short
2) You are not travelling:
a) against the advice of a medical practitioner
b) for the purpose of obtaining medical treatment, or
c) if you have been given a terminal prognosis
3) You are not receiving or awaiting treatment for an illness or injury as a hospital day case or in-patient, as any claim arising
from this illness or injury will not be covered.
4) ) If you are on medication at the time of your travel your medical condition must be stable and well controlled.
In addition if you are travelling outside England, Scotland,Wales or Northern Ireland , the following additional conditions will
apply:
You must notify the Issuer of this policy immediately of any of the conditions listed below arising between the date the policy
is issued and the time of departure of the trip.We must be informed of any fact which is likely to influence us in the acceptance, assessment or continuance of this insurance. Failure to do so may invalidate this insurance, leaving you with no right to make a claim.
1) If you have received medical treatment as a hospital day case, in-patient or out-patient during the six months prior to the
booking of the trip, you must obtain medical advice from a medical practitioner at your cost confirming that you will be fit
enough to take the trip.
2) if you are undergoing medical treatment as a hospital outpatient at the date the final balance of the trip is due to be paid,
a certificate of fitness confirming your ability to travel must beobtained by you at your cost.

The Policy contains the following General Exclusions:
You are not covered for anything caused directly or indirectly by you suffering from Stress, anxiety or depression unless it has been investigated and diagnosed as such by a Consultant specialising in the relevant field, who must confirm in writing at your cost that you are fit enough to take this trip You must notify the issuer of this Policy immediately of any of the conditions listed above arising between the date the policy is issued and the time of departure of the trip.

COOLING OFF PERIOD
You should read your policy immediately to ensure it meets with your requirements. If for any reason it does not it must be
returned to the issuer of the policy within 14 days of the date of issue or prior to travel which ever is the sooner.Your money will be refunded in full, provided no claims have been made or incident likely to give rise to a claim has arisen. If you cancel your policy after 14 days no refund will be given. Diamond Holidays are an Appointed Representative of ITC Compliance Limited who are authorised and regulated by the Financial Services Authority.

EXCESS WAIVER
You will see from the Holiday Travel insurance details shown above under various sections there is a "Policy Excess".
For a modest additional cost of £6.50 per person you can have an Excess Free policy. Should you wish to take advantage of our special Excess Free policy extension please ask our Reservation Staff, who will be happy to help


DEMANDS AND NEEDS STATEMENT
Travel Insurance
This travel insurance policy will suit the Demands and Needs of an individual, or group (where applicable) who have no pre-existing medical conditions, are travelling to countries included within the policy terms and who wish to insure themselves against the financial impact of specified unforeseen circumstances/events relating to or occurring during their trip.  Full details of these circumstances/events, levels of cover and terms and conditions can be found in the policy information/booklet.   

IMPORTANT INFORMATION
Our travel insurance policies have a number of exclusions and restrictions to them. It is very important that you read and understand these and only purchase the policy if you are happy that you and every member of your party meet the eligibility criteria: Specifically our policy may NOT be applicable for you if:

You are over the maximum specified age at the time of your trip
You have pre-existing medical conditions
Examples of these and other conditions and restrictions and what to do if you are unsure about any aspect of an exclusion are contained within  your policy booklet.

If after purchasing your policy should you find it does not meet your requirements you have 14 days from  the date of issue, or prior to travel (whichever is sooner) to cancel the policy. If you do decide to cancel your money will be refunded in full, provided no claims have been made or incident likely to give rise to a claim has arisen

The policy does not cover travel to areas where the Foreign and Commonwealth Office has advised against 'all travel'. If you are not sure whether there is a travel warning for your destination, please check with the Foreign and Commonwealth Office (phone 020 7008 0232 or 0233 or visit their website at www.fco.gov.uk).

It is important that you read and understand the above information. You should have been provided with a copy of all relevant policy documentation to enable you to make an individual informed buying decision based on your own personal circumstances, travel plans and the merits of the policy. This buying decision is your own and you will not have received a personal recommendation or advice from us.

Please keep this page with your insurance policy documents.