Travel Insurance Document 2019

Travel Insurance Supplement

Cancellation Insurance Document 2019

Cancellation Insurance Supplement

Important information about your holiday cancellation Insurance...

We have arranged a special insurance scheme with Travel Insurance specialists P J Hayman & Company Limited to cover clients booking through us.



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


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 booking your journey, taking out this insurance or paying any further balance or instalments:

1. The Insured Person:

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

(ii) has suffered from a chronic or recurring medical conditions during the previous 12 months UNLESS permission is obtained from the treating GP of fitness to travel at the time of booking

(iii) is travelling against the advice of a doctor or medical professional such as your dentist 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.


Accurate and Relevant Information

You have a duty to take reasonable care to answer questions fully and accurately, and that any information you volunteer is not misleading. This applies both when you take the policy out and at any time during the policy period. If you do not do so, we reserve the right to void your policy from inception.


Hazardous Activities

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


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.


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.



HOLIDAY CANCELLATION INSURANCE including loss of deposit, curtailment (covering all holidaymakers). Coastal Cottages of Pembrokeshire Ltd provides a complete holiday service which includes Holiday Cancellation Insurance (bookings valued at £200 or less do not automatically include Cancellation insurance). This gives you a refund of your rent paid (deducting an administration charge of £50.00 + VAT), if you have to cancel or curtail your holiday due to necessary circumstances.


Section Limit (up to) – per Person

Loss of Deposit, Cancellation, Curtailment cost of the holiday (maximum £6,000)



Coastal Cottages of Pembrokeshire Ltd have worked very hard to ensure you a choice of the finest cottages in Wales, excellent knowledge of the properties and the area and can help you choose the cottage and location to suit your requirements. We cannot, however, prevent accidents happening and it is for this reason that we have negotiated a full package which will cover all members of your party (and all cars in your party) at one extremely competitive price. Every member of your party is covered by your Insurance Plan (unless you say NO on the booking form).


1. Medical Repatriation & Other Expenses       Limit per person (up to)

 (Unless otherwise shown)        Medical repatriation/transportation of deceased                  £25,000 (excess per person £40)

Emergency accommodation £500

Visit by close relative £500

Hospital inconvenience benefit £25 per 24hrs/£500 in total

Repatriation of vehicle/personal possessions £1,000

Additional assistance £500


2. Accidental Death & Disability Benefit

Death £10,000

Loss of eye(s), limb(s) £15,000

Permanent physical disability £15,000


3. Personal Liability

£2,000,000 (Damage to accommodation £2,000,000 per Party, excess per Party £100)


4. Personal Possessions & Personal Money

Possessions £1,500 

Money £250 (excess per person £40)


5. Unexpected Events

Travel Delay – over 6 hrs £30

Polluted Beaches £30 per 24hrs/£150 in total

Natural disaster cover £1,000

Nuisance cover £1,000


6. Vehicle Breakdown

a) Labour charges £200 per vehicle OR b)

1. Towing                                             Overall cost per vehicle

2. - Vehicle hire; OR                            £75 per 24 hrs/£750 in total per vehicle

    - Alternative driver; OR                  £75 per 24 hrs/£750 in total per vehicle

    - Rail or coach fares                        Overall cost per vehicle

3. Hotel costs                                       £50 per 24 hrs

4. Vehicle recovery                              Overall cost per vehicle


NOTE: under Section 6. Vehicle Breakdown - cover will only be provided under a. OR b. Where cover is provided under b. the maximum amount payable shall not exceed £3,000.



Remember, the premiums are charged per week, not per person. You should include the following premium with your initial deposit:

One week holiday   £20.00

Short break              £10.00

Subsequent weeks charged at £20.00


All premiums include Insurance Premium Tax at the current rate.

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

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