• You or any of the other people to be named on the policy have never been refused travel insurance or had any terms imposed.
• You or any of the other people to be named on the policy are not aware of any reason why a planned holiday will be cancelled or cut short, before you purchase your policy.
• You are a resident of the European Union.

Medical Warranty

It is a condition of this policy that

1. If you have a medical condition, you must ask your doctor if it is safe for you to travel to your chosen destination, your doctor must take into account how your condition may be affected by:

• preventative medication;
• the weather;
• the type of transport you take;
• medical services available to you while you are away; and
• altitude or atmospheric pressures.

2. If you have a medical condition, you must tell us about any changes in your circumstances before you travel.

3. You will not be covered if you travel against the advice of your doctor.

4. If you make a claim, you would need to get your doctor to confirm in writing that at the time your policy was issued your condition was stable, that you were fit to travel and there was no sign that your condition would get worse.

5. You will not be covered if you know you will need medical treatment while you are away, unless we agree in writing.

6. You will not be covered if you travel specifically to get medical treatment while you are away.

7. You will not be covered if, before your policy was issued, a doctor diagnosed that you have a terminal condition.

8. You must not have been waiting for medical treatment as a hospital patient or have been under investigation when your policy was issued or at the date your travel tickets were booked (whichever is later).

9. You will not be covered if you suffer from any diagnosed psychiatric disorder, unless we agree in writing.

This is not a private medical insurance policy and only gives cover in the event of accident or illness if you need emergency medical treatment.

Reciprocal health arrangements

If you are travelling to a European Union country which is listed on the back of the E111 form which is available from your local post office, you will be entitled to treatment from the equivalent of the National Health Service in the country you are visiting.
If you make use of these arrangements or any other worldwide reciprocal health arrangement and your claim under Section 2 is reduced, you will not have to pay any excess.

Motor Breakdown Cover - Declaration

As far as I know the following apply:

1. (all sections)

a. My vehicle is eligible for Eurotunnel Motor Breakdown cover and has been regularly serviced and maintained according to the manufacturer’s instructions and I am not aware of any electrical, mechanical or other vehicle problem which may interrupt my trip;

b. If my vehicle is specially adapted for me or for any member of my party, I will make the AA aware of this before I travel.

2. (section 7 only). Replacement driver

I am not aware of any pre-existing medical conditions that could affect the ability of the main driver or drivers to drive the vehicle.

Travel Insurance - Declaration

I understand that where the insurance requires supply of information relating to other persons who may be insured under the contract, that the information must be factual and accurate to enable correct assessment of risk by the insurer. I confirm that I have the consent of these individuals to supply their personal details to the insurer.

Data Protection

For the purposes of the Data Protection Act 1998 the data controller in relation to any personal data you supply is Mondial Assistance (UK) Limited, for Travel Insurance and Automobile Association Underwriting Services Limited for Motor Breakdown cover. I/We understand that the information I/we supply may be used by Mondial Assistance (UK) Limited or Automobile Association Underwriting Services Limited and their agents for insurance product administration.

Important features of your policy

The following are details about your insurance policy, that the General Insurance Standards Council expect us to bring to your attention.

1. Policy document - you should read the document carefully. It gives you full details of what is and what is not covered and the conditions of the cover. Cover will vary from policy to policy and insurer to insurer.

2. Health - your policy contains restrictions regarding pre-existing medical problems concerning the health of the people travelling and of other people upon whose health the trip may depend.

3. Conditions, exclusions and exceptions - some conditions and exclusions will apply to individual sections of your policy while general exclusions; conditions and exceptions will apply to the whole of your policy.

4. Dangerous activity - if you are going to take part in activities where there is a high risk of injury, check that your policy covers you.

5. Property claims - these claims are based on the value of the goods at the time you lose them and not on a 'new-for-old' or replacement cost basis.

6. Date recognition failure - your policy contains exclusions for losses arising from the failure of equipment or any computer program to correctly recognise the calendar date.

7. Policy limits - most sections of your policy have limits on the amount we will pay under that section. Some sections also include other specific limits, for example, for any one item, pair or set or for valuable in total. You are advised to check your policy if you intend taking expensive items with you.

8. Policy excesses - under certain sections of the policy, claims will be subject to excess. This means that you will be responsible for paying the first part of the claim. The amount you have to pay is the excess.

9. Reasonable care - you need to take all reasonable care to protect yourself and your property and the insured vehicle.

10. Complaints - your insurance policy includes a complaint procedure, which tells you what steps you can take if you wish to make a complaint.

11. Cooling-off period - your policy contains a 14 days 'cooling-off' period during which you can cancel the policy and policy schedule if it does not suit your requirements. Provided you have not travelled or made a claim, we will refund your money in full. 

If you would like more information, please call us on 08705 353535
 

Travel insurance is underwritten by ELVIA Travel Insurance International N.V. and administered by Mondial Assistance (UK) Limited Registered in England No. 1710361, Registered Office Mondial House, 102 George Street, Croydon CR9 1AJ.

Motor Breakdown cover is arranged by the Automobile Association and underwritten by Saga Insurance Company Limited (“SICL”), a company registered in Gibraltar, whose registered office is at Saga Insurance Company Limited, 57-63 Line Wall Road, Gibraltar. Registered Number 88716 (Gibraltar) and whose UK branch address is Saga Insurance Company Limited, The Saga Building, Enbrook Park, Folkestone, Kent, CT20 3SE.

Your policy booklet will be available at ‘check in’ on the day that you travel, alternatively you can view the policy wording online. Please make sure you read your policy carefully

Please click here to read the policy wording [pdf]

Complaints

Part 1. Travel Insurance

You should first contact:

The Customer Services Manager
Mondial Assistance (UK Limited
Travel Division
Mondial House,
102 George Street,
Croydon
CR9 1AJ

Please be ready to quote your insurance details. If this does not solve your problem, please write to the Director of Travel Division at the above address. If this does not solve your problem, please write to the Managing Director at the above address.

Part 2. Motor Breakdown cover

If you have a complaint, compliment or a suggestion, we want to hear from you. We welcome your comments as they give us the opportunity to put things right and to improve our service.

Please contact us on 0800 587 3114 (08.30-20.00 Mon –Fri, 09.00-17.00 Sat).

Alternatively, please write to:

The Customer Care Unit,
AA Insurance Services,
PO Box 11,
Cardiff
CF10 5ZB.

Should you remain dissatisfied, you may refer the matter to arbitration. The arbitrator will be appointed by the parties in accordance with the appropriate statutory provisions at that time being in force.

For both parts. If you are still not satisfied, you can ask the Financial Ombudsman Service

(FOS) to review your case. Their address is:

South Quay Plaza 2,
183 Marsh Wall,
London
E14 9SR.

Phone 0845 080 1800. The FOS can deal with most complaints about your insurance policy. You have six months from the date of our final response to refer the matter to the FOS. Referral to the FOS will not affect your legal rights to take action against us.

Governing law

Your policy is governed by the law of the country you usually live in within the United Kingdom. Any legal disputes will be dealt with in an English court.

Automatic Renewal for Annual policies

You should be aware that Eurotunnel is only able to guarantee automatic renewal on annual policies where: - you have made us aware of any changes to your policy details (it is your responsibility to notify us of any changes);

• the credit / debit card details submitted have not changed;
• at policy inception the credit / debit card holder has explicitly consented to renewal premiums being charged to his or her card upon automatic renewal

Summary of Cover

Travel Insurance

• Medical and Emergency cover up to £10 million.
• Cancellation and curtailment covered up to £5,000
• Personal Possessions covered up to £1,500 (limited to £300 for a single article)
• Personal Money covered up to £500 (limited to £250 for cash)
• Shopping cover £500
• Departure delay up to £100 (£5,000 if abandoned)
• Missed departure up to £500
• Personal liability up to £2 million
• Personal Accident up to £25,000
• Avalanche cover up to £200
• Camping equipment up to £500
• Caravan flood cover up to £200
• Pet cover up to £200 (vet fees) £300 (extra boarding fees) Legal expenses up to £25,000
  

Optional Winter Sports cover (when selected)

• Ski equipment up to £500
• Replacement ski hire £150
• Piste closure up to £200
• Ski Pass and fees £150
  

Optional Golf Equipment cover (when selected)

• Lost, stolen or damaged golf equipment £1,000

There is a £35 excess payable for any claims made for Medical & Emergency expenses, Cancellation and Curtailment, Personal Possessions, Personal Money, Personal Liability, abandonment under Departure Delay, Camping equipment and boarding fees under Pet cover. Claims for Personal Possessions claims may be subject to a deduction for wear and tear.

Motor Breakdown cover

• Car hire 7 days in advance - up to £750 (£75 per day)
• Roadside assistance and emergency repair - up to £250
• Location & despatch of spare parts (cost of parts excluded)
• Break in - emergency repairs- up to £175
• Vehicle recovery - up to current market value
• Emergency car hire and alternative travel - up to £750 (£75 per day)
• Emergency accommodation - up to £400 per party (£25 per person, per night)
• Camping - tent hire or alternative accommodation - up to £400 per party
• Legal Protection - up to £10,000

Please make sure you read your insurance policy [pdf] carefully.