Holiday Insurance

For Residents of the United Kingdom.

Summarised below is the cover under a special holiday scheme, arranged by Citybond Suretravel for Greenslades Villas. Benefits under the policy are underwritten by Europ Assistance Holding Irish Branch of 3rd Floor, St James House, Adelaide Road, Dublin 2, Ireland, with the exception of Legal Expenses which is underwritten by Europ Assistance Insurance Limited of Sussex House, Perrymount Road, Haywards Heath, West Sussex RH16 1DN United Kingdom. A detailed copy of the cover will be forwarded to you with your confirmation invoice. A specimen policy is also available on request should you require further information before booking.

This insurance is automatically issued and invoiced to you for the appropriate premium, unless you instruct us to the contrary. In the latter we will then require to approve your alternative insurance arrangements.

The following is a brief summary of the cover, conditions and exclusions; full details are available on request.

Summary of Cover (per person)

Important Notice
CLAIMS

Claims will be handled by Europ Assistance Holdings Limited and must be made in writing within 30 days of the event.

IMPORTANT NOTICE

Under the General Insurance Standards Council Private Customer Code, we are required to draw your attention to important features of your policy including:

• Insurance Policy: This contains full details of the cover provided plus the conditions and exclusions which apply to it. You must read the insurance policy carefully.

• Conditions, Exclusions and Warranties: There are conditions and exclusions which apply to individual sections and general conditions, exclusions and warranties which apply to the whole policy.

• Health: This insurance operates on the following basis:

1. To be covered, you must be healthy, fit to travel and to undertake your planned trip

2. The insurance will NOT cover you when you are travelling against medical advice or with the intention of obtaining medical treatment or consultation abroad.

   No claim arising directly or indirectly from a Pre-existing Medical Condition affecting you, a close relative, travelling companion or person with whom you intend to stay whilst on your trip will be covered unless:

   - You have declared that condition to the underwriters, and

   - You have declared any changes in your health or prescribed medication; and

   - The underwriters have accepted that condition for insurance in writing

   Each insured person who has a Pre-existing Medical Condition must contact the Citybond Healthcheck service as below and answer a Medical Health Questionnaire before each period of insurance. Additionally, if you know of a Pre-existing Medical Condition affecting a close relative, travelling companion, or person with whom you intend to stay whilst on your trip, you will also need to declare to us. Failure to declare any Pre-existing Medical Condition that is relevant to the insurance may invalidate the policy.

   To declare a Pre-existing Medical Condition or change in your state of health or prescribed medication, you should contact www.healthcheck247.com or telephone Citybond Healthcheck 0870 220 3937 (Mon – Fri 9am to 5.30pm, Sat 9am-1pm Closed Bank Holidays)

   A Pre-existing medical condition is any medical, psychological sickness, disease, condition, injury or symptom of which you are aware, which has occurred at any time prior to the commencement of cover under this policy or prior to the trip.

• Property Claims: These claims are paid based on the value of the goods at the time that they are lost and not on a “new for old” or “replacement cost” basis, thus a deduction is made for wear, tear and depreciation.

• Policy Limits: Most sections of your policy have limits on the amount the insurer will pay under that section. Some sections also include other specific limits, for example: For any one item or for valuables in total. You are advised to check your policy.

• Policy Excesses: Under most sections of the policy, claims will be subject to an excess. This means that you will be responsible for paying the first part of the claim as defined. Excess waiver is available if required at £9 per person.

• Reasonable Care: You need to take all reasonable care to protect yourself and your property, as you would if you were not insured.

• Complaints: Your insurance policy has a complaints procedure which tells you what steps you can take if you wish to make a complaint.

• Sporting & Recreational Activities: Occasional participation in certain activities and sports, on a recreational and non-professional basis and not being the main purpose of the trip, may be covered within the terms of the policy at no additional premium. Certain activities and sports may however be subject to amended terms and conditions. Call Citybond Customer Services on 0870 444 6431 if you are in any doubt over the cover.

• Cooling Off Period: If when reading your policy, you decide that it does not meet your requirements, please return the policy and certificate to your issuing agent within 15 days of you having received it. On condition that you have not made a trip and you have not submitted a claim or know of any circumstances that may lead to a claim, we will refund any premium you have paid. The contract between you and us will be annulled, which means it will be treated as if it had never existing.

PLEASE ENSURE YOU READ YOUR INSURANCE POLICY CAREFULLY

Insurance Premiums and Cover

Correct at the time of print but subject to change. Inclusive of Insurance Premium Tax.

Notes: All children under 2 years at the date of application may be insured free subject to them being accompanied by one adult insured under this insurance. Children aged 2 years and under 18 years are half price subject to them being accompanied by one adult insured under this insurance. Families (2 adults and 2 dependant children 3-18 years residing with them and/or in full time education) may be covered at 2.5 x the adult premium. Excess waiver is available if required at £9 per person.

24 hour Emergency Medical Rescue Service

This policy includes the services of Europ Assistance Emergency Assistance who will provide immediate help in the event of an Insured Person’s illness or injury arising outside the United Kingdom. They provide a 24-hour multi-lingual emergency service 365 days a year including repatriation arrangements where necessary. This service must only be used for Medical Emergencies or Trip Curtailment requests.