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We strongly recommend insurance to all our customers. Premier Holidays have arranged through Voyager Travel Insurance Services Ltd, a quality holiday insurance. The applicable premium per person (set out below) must be included with the deposit.

Full details of cover will be sent with your holiday confirmation/invoice or you can download our FULL INSURANCE POLICY here

You should also read the Status Disclosure Information, which you can download here

Insurer - This insurance is underwritten by ELVIA Travel Insurance International N.V. (Netherlands) and administered in the United Kingdom by Mondial Assistance (UK) Limited.

Telling us about relevant facts - Before you travel you must tell us about anything that may affect your cover. If you do not tell us about something that may be relevant, your cover may be refused and we may not cover any related claims.

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, if you require full details of cover prior to buying this insurance, please ask us to send you a copy.

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

Cancellation or curtailment: Up to £5,000
Emergency medical & associated expenses: Up to £10 million
In-patient benefit: £20 per day up to £1,000
Loss of passport: Up to £500
Delayed personal possessions: £200
Personal possessions: Up to £2,000
Personal money: Up to £500
Personal accident: Up to £30,000
Journey disruption: Up to £1,000
Delayed departure: £40 after 12 hours £20 each additional 12 hours up to £200
Delayed departure – cancellation: up to £5,000
Personal liability: Up to £2 million
Legal expenses: Up to £20,000

Policy limits - Each section of the policy shows the most you can claim but other limits may apply. For example under the Personal Possessions 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.

Health declaration and exclusions - This policy contains exclusions relating to pre-existing medical conditions.

You will not be covered for any claim arising from a medical condition for which, at the time of taking out this insurance: -

1. Any of you have received treatment from or had a consultation with a doctor or hospital specialist in the past 6 months (other than for a routine check up or repeat prescription);
2. Any of you have been referred to or are any of you waiting to see a doctor or a hospital specialist for treatment, tests or investigations? (For example awaiting further treatment or investigations or the results of any tests);
3. Any of you have been diagnosed with or treated for cancer, heart related, breathing or circulatory conditions in the last 2 years; Unless the condition(s) has (have) been declared to and accepted by the Insurers in writing.

Please note that you will not be covered

1. for any claim arising from a medical condition of someone you were going to stay with, a travelling companion, a relative or a business associate if you are aware of the medical condition at the time your policy was issued as stated in 1, 2 and 3 above.
2. if you travel against the advice of a doctor or where you would have been if you had sought their advice before beginning your journey.
3. if you know you will need medical treatment during your journey or you are travelling specifically to get medical treatment.
4. for any directly or indirectly related claim if, before your journey, a doctor diagnosed that you have a terminal condition.
5. if you were waiting for medical treatment as a hospital in-patient or were under investigation for a medical condition when your policy was issued.
6. for any claims relating to pregnancy or childbirth if the pregnancy was more than 28 weeks at the end of a journey within Europe.

Please read your policy carefully for the full terms and conditions applicable and for details of who to call if you need to tell us about any medical condition(s).

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. Please note that your cancellation rights are no longer valid after this initial 14 day period.

Premiums - Including IPT at the relevant rate

Making a complaint - The policy contains a complaints procedure which tells you what steps you can take if you wish to make a complaint

Governing law - Unless agreed otherwise, English law will apply and all communications and documentation in relation to this policy will be in English.

Premier Holidays Ltd is an Appointed Representative of ITC Compliance Limited which is authorised and regulated by the Financial Services Authority (FSA).