// Insurance  
(Only available to EU residents)

Our travel insurance has been arranged by Travel & General Insurance Services Limited to specifically meet your needs when travelling with Adventureworks. The cover is underwritten by Travel & General Insurance Company plc, except for Section K (Legal expenses), which is underwritten by DAS Legal Expenses Insurance Company Limited. Both insurers are authorised and regulated by the Financial Services Authority.

Brief details of the cover provided:

Up to a maximum:

1 Loss of Deposit /Cancellation (Excess 7.5% of claim settlement figure) (Including Government Travel Restriction) Full Expedition Cost **     2 Curtailment (Excess 7.5% of claim settlement figure) (Including Government Travel Restriction) Full Expedition Cost **     3 Medical and other Expenses (£40 Excess) £2,500,000     4 Hospital Benefit £500     5 Personal Accident £25,000     6 Personal Baggage (Single Article Limit £300 and Limit for 'Valuables' which includes Photographic Equipment and Binoculars £300) (Excess £40) £1,500     7 Personal Money (Excess £40) £300     8 Personal Liability £1,000,000     9 Travel Delay or Cancellation (Excess £40 applicable to Cancellation) Full Expedition Cost **     10 Missed Departure (Excess £40) £800     11 Legal Expenses £10,000     ** Cover for Cancellation and Curtailment, and for Cancellation following Travel Delay, is limited to the level of cover purchased, up to a maximum of £12,500, for trips where the total cost exceeds that figure.

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 on 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 the certificate have limits on the amount the insurer will pay under that section. Some sections also have inner limits - such as 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: the insurance certificate includes 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, and provided no claim has been made.

Hazardous 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 expedition or course being booked from this website. 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.

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 only available to those booking an expedition or course organised by The Company, whether it be an advertised departure or a privately arranged itinerary.

The premiums include Insurance Premium Tax (IPT) and are shown against each individual expedition or course on this website. 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.

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.

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.

Page updated 28 June 2005