Travel insurance is so important when you are on holiday and you need to be sure that you have the right cover.

We have arranged a special policy with AXA Insurance that you can book when choosing your holiday.

When choosing your holiday, you can add insurance and the appropriate premium will be added to your holiday invoice. The insurance is provided by: AXA Insurance UK plc. who are authorised and regulated by the Financial Services Authority.

This can be checked on the FSA’s register by visiting the FSA’s website at www.fsa.gov.uk/register or by contacting them on 0845 606 1234.

AXA Registered Office: 5, Old Broad Street, London, EC2N 1AD. Registered in England No 78950

The following points are information we are required to tell you:

The policy document gives you full details of the cover and the conditions you must satisfy to be fully covered. This will be sent with your Holiday Invoice which will show the type of cover you have chosen.

The policy is designed to provide medical emergency treatment solely as a result of accidents and illnesses occurring during the period of insurance.

Important Note: You must contact AXA Assistance Customer Services helpline on 0870 850 4267 if you have had medical treatment for a physical or mental condition in the last 2 years or have ever had a heart, respiratory, cancer or stroke condition as you will not be covered for these conditions, unless they agree, in writing, to cover you.     

There are conditions and exclusions that apply to individual sections of the policy and general conditions and exclusions that apply to the whole policy, for example consequential loss.

Each section of the policy shows the most you can claim, but other limits may apply. For example under the Personal Belongings Section of the Gold Insurance the overall cover is £1,500 but there is a lower limit for valuables and any one item. Please check your policy carefully to ensure you have adequate cover.

You will have to pay an excess on claims under most sections of the policy.

This means that you will have to pay the first part of a claim, unless the additional premium shown in the premiums table has been paid to waive the excess.

You should take all reasonable care to protect your belongings and act as if you are not insured. If you do not do this, we may not pay your claim.

The policy contains a complaints procedure which tells you what steps you can take if you wish to make a complaint regarding your insurance.

If you are going to take part in any hazardous sports or activities you should check that the policy covers you.

If you are dissatisfied with the policy or if the policy does not meet your needs, you may return it within 14 days of the date of issue and we will refund your premium in full provided you have not undertaken a trip. You must also not have made or intend to make a claim.

If you buy this insurance in the United Kingdom, you can choose which law will apply. English law will apply unless we agree otherwise.

AXA Insurance UK plc is a member of the AXA Group. To set up and administer your policy we will hold and use information about you supplied by you and by our medical assistance providers.  We may send it in confidence for processing to other companies in the AXA Group (or companies acting on our instructions) including those located outside the European Economic Area.

There are times, completely beyond our control, when a flight is delayed. We believe it is our responsibility to look after you, and we always do our best to provide meals at mealtimes and accommodation on overnight delays. If you have taken out our recommended insurance you will be able to make a claim on your insurance policy should you experience a delay of 12 hours or more. If you do not choose our recommended insurance policy please make sure that you are fully protected against possible delays.