This travel insurance is underwritten by Elvia Travel Insurance International N.V. (Netherlands) and administered in the UK by Mondial Assistance (UK) Ltd by Towergate Chase Parkinson on their behalf.

Some important facts about your Travel Insurance are summarised below.  This summary does not describe or contain all the terms and conditions of your policy, so please take time to read the policy document to make sure you understand the cover it provides.

Period of cover

§          Single Trip – the policy runs for the period of your holiday as shown on the schedule, terminating upon completion of the trip.

§          Annual Multi-Trip – the policy runs for a period of 12 months, commencing on the date shown on your schedule.  While there is no limit to the number of holidays taken within any 12 month period, each holiday must not exceed the period of duration (i.e. 31 days/Europe, 45 or 90 days/Worldwide).

About your travel cover  Planet Travel Insurance Services issue a range of travel policies, i.e. Single Trip Premium, Select  and Budget, and Annual Multi-Trip cover.  A description of the policy you have purchased is shown on your schedule.  The Sums Insured and Policy Excesses are per Insured Person.

Option to cancel  We hope you are happy with the cover this policy provides.  If your cover does not meet your requirements, please notify us within 14 days of receiving your policy schedule, and return all your documents for a refund of your premium.  If during this 14 day period you have either travelled, made a claim, or intend to make a claim, then we are entitled to recover all costs that you have used for those services.  Please note that your cancellation rights are no longer valid after this initial 14 day period.

Making a claim  If you have a claim while on holiday:

§          In the event of hospitalisation, repatriation or alteration in travel plans, immediate contact must be made with International Medical Rescue on +44 (0) 208 669 9292.

§          In all other circumstances, should you need to cancel prior to your holiday or wish to notify a claim on your return, contact Towergate Chase Parkinson, Towergate House, PO Box 416, West Byfleet, Surrey KT14 7LF, or call on 01932 334196 as soon as possible.

How to make a complaint  We hope you will be pleased with the service we provide.  However, if you have a complaint about our service, or about a claim, please write to the Managing Director, Towergate Chase Parkinson, Towergate House, PO Box 416, West Byfleet, Surrey KT14 7LF.  If you are still not satisfied, please write to the Quality Standards manager, Mondial Assistance UK Ltd, Mondial House, 102 George Street, Croydon CR9 1AJ.  If you remain unhappy with the response you have received, you have the right to ask the Financial Obbudsman Service for independent arbitration.

Compensation scheme  In the unlikely event that Elvia Travel Insurance International N.V. (Netherlands) is unable to meet its obligations they are covered by the Financial Services Compensation Scheme (FSCS).  You may be entitled to compensation from the scheme depending on the type of business and circumstances of the claim.  Most insurance contracts are covered for 100% of the first £2000, and 90% of the remainder of the claim.  You can get more information about compensation scheme arrangements from www.fscs.org.uk.