Single Trip Insurance
(Available both to UK and non UK Residents)

Special travel insurance is available, which is underwritten on behalf of a consortium of insurers by Travel and Personal underwriters Ltd of 65 – 68 Le adenhall Street, London EC3A 2AD and has been arranged by our insurance brokers, Govier & Ault Ltd of West Bromwich B70 8SD Tel 0121 553 4791

We have to bring to your attention some of the important features of your travel insurance certificate:

Insurance Certificate: this contains full details of the cover provided plus the conditions and exclusions which apply to it. You must read the insurance certificate carefully.

Conditions and Exclusions: there are conditions and exclusions which apply to individual sections and general conditions and exclusions which apply to the whole certificate.

Date Change Exclusion: changes in dates could see widespread failure of computer and other systems containing computer chips, which depend of date-related information in order to work properly. Other than Medical Expenses, Hospital Benefit and Personal Accident, your certificate excludes anything directly or indirectly caused by failure of any computer hardware or software or other electrical equipment to recognise or process any date as the true calendar date.

Fraudulent Claims: the making of fraudulent claims is a criminal offence.

Medical Expenses: the certificate does not provide private health treatment unless specifically approved by the emergency service.

Health: the certificate contains conditions relating to the health of the people travelling and others upon whose well being the trip may depend. It may be that you are required to disclose known medical conditions of such people prior to cover being issued and you must be aware that failure to disclose such information will prejudice your position. Our booking form incorporates a declaration in this respect.

Property Claims: these are settled on an indemnity basis – not on a ‘new for old’ or replacement cost basis, unless otherwise stated in the certificate.

Certificate Limits: most sections of of the certificate have limits on the amount the insurer will pay under that section. Some sections also have inner limits – e.g. for one item, or for valuables in total.

Excesses: claims under most sections of the certificate will be subject to an excess. Where there is an excess, you will be responsible for paying the first part of a claim.

Reasonable Care: you are required to take all reasonable care to protect yourself and your property and to act as though you are not insured.

Complaints: this insurance certificate included a Complaints Procedure, which tells you what steps you can take if you wish to make a complaint.

‘Cooling off period’: the certificate contains a ‘cooling off’ period which allows you to return the certificate within 14 days of the date of issue or prior to travel (whichever the sooner) and obtain a full refund if you have justifiable reason to be dissatisfied with the cover provided.

Hazardous Holiday Activities: the certificate may not cover you when you take part in certain hazardous activities. However, the certificate will cover you for any activities included in the itinerary for the holiday being booked from this brochure. If you want cover for any other hazardous activities, other than those included in your itinerary, please discuss your requirements with us.

UK Law allows the parties to choose the law applicable to the contract. The contract will be subject to English Law unless otherwise agreed.

Please ensure you read your insurance certificate carefully

The full terms and conditions will be incorporated in the certificate, which will be forwarded to you on receipt of your premium. An advance copy is available on request.

This scheme is also available if you are travelling independently or if you are extending your holiday, assuming that your itinerary is acceptable to the Underwriting Agents. Please contact us for details.

Brief details of the cover provided are as follows:

The premiums are inclusive of Insurance Premium Tax (IPT) and are shown against each individual holiday in the brochure. If you are aged 70 years or over the premiums are doubled, and a Medical Certificate from your Medical Attendant confirming that you are fit enough for the trip you plan to join, must be produced before cover can be confirmed.

You do not have to use this scheme, but if you make your own insurance arrangements, documentary evidence of your own Policy is required, which must contain evidence of satisfactory cover for repatriation and helicopter rescue.

Annual Insurance Cover
(Not available to residents of the USA or Canada)

This insurance policy can also provide annual cover for mountaineering activities as well as other types of holiday, making it a very cost-effective option. There are two bands of premiums, depending on the type of mountaineering being undertaken, and you can select the amount of cancellation cover required.

Annual insurance cover is effective from 12 months from the date of issue of the certificate and covers not only your expedition with us, but any other periods or holidays away from your home between 2 nights and 90 days in duration, subject to the terms and conditions of the certificate issued.

Annual insurance can be extended to include your spouse or partner for a further 60% of the initial premium, or the whole family (including your spouse or partner and all dependent children under the age of 18 who are in full time education) for double the premium for an individual.
The premiums for Annual Insurance Cover are given below. They are also given for individual trips within our brochure. Please note that annual cover for ‘Special Low Premium’ trips will not cover you for mountaineering activities.

Insurance Premium Tax (currently at 17.5%) must be paid by UK residents. IPT is not payable if you are not resident in the UK, so your insurance premium will be reduced accordingly in those circumstances.

Unfortunately, Annual Insurance Cover cannot be made available to persons resident in the United States of America or Canada.

The ‘Special Low Premium’ rate applies to certain Adventure Peaks expeditions which the insurers consider to be ‘trekking peaks’. These are labelled ‘Special Low Premium’ next to the insurance premium given with each expedition description. This rate does not apply to any mountaineering carried out independently, independent trekking above an altitude of 6000m, or any mountaineering courses including the Alps and Scotland. If cover is required for any of these items, then the full ‘Mountaineering’ cover should be taken out.

The ‘Mountaineering’ rate applies to any mountaineering activities (including rock climbing) up to an altitude of 8,000 metres. All trips to peaks over 8000 metres, and to Antarctica are excluded from Annual Insurance Cover. (Single Trip Insurance must be taken).

‘Mountaineering’ is defined as being climbing which, in normal circumstances, is a more difficult grade than Scottish Grade 1 or Alpine PD-, or their equivalents, except where otherwise stated above.