HOLIDAY INSURANCE
We strongly advise that all travellers take out a travel Third Party Liability: If you hire a motor vehicle, sail or Section 5 – Cancellation & Curtailment
insurance policy for the period of their travel and Gold Medal powered boat, or an aircraft, no liability cover will apply Irrecoverable travel and accommodation costs up to a
Travel have tailored a comprehensive travel insurance under this policy and you must ensure that cover for third party maximum £10,000, due to death, injury, illness, jury service or
package. Benefits under this policy are underwritten by Europ injury or property damage is included with the cost of hire.
redundancy.
Assistance Holding Irish Branch of 3rd Floor, St James House,
Policy Document: This contains full details of what is and is
Adelaide Road, Dublin 2, Ireland. To book your travel
Section 6 – Travel Delay & Abandonment
not covered and the conditions of the cover. You should read
insurance please contact your travel agent.
Up to £250. In the event of a 12 hour delay £25 per insured
the policy document carefully.
Person and £25 for each subsequent 12 hour period will be
The following is only a brief synopsis of the cover, as full
Conditions, Exclusions and Notes: Conditions and exclusions paid, up to a maximum of £250. For more than 12 hours beyond
details will be forwarded with your booking invoice or travel
will apply to individual sections of your policy while general the intended departure time you can choose instead to abandon
documents in the case of late bookings. A specimen policy is
exclusions, conditions and notes will apply to the whole of your trip and submit a cancellation claim under Section 5.
available if required.
your policy.
YOUR HOLIDAY INSURANCE ‘MAIN FEATURES’
Section 7 – UK Departure Assistance & Missed UK Connection
Personal Possessions: While this policy provides cover for
Gold Medal have tailored a travel insurance policy
Up to £1,000 to meet the additional costs incurred should
your personal luggage, if you are planning to take expensive
specifically designed to cater for the needs of customers
you be delayed on your outward journey from the UK or you
items such as sophisticated photographic equipment, jewellery
purchasing our products. The many great features
have missed your planned UK internal travel connection on
and other valuables with you then you should check that you
of this policy include:
your return to the UK.
have adequate personal possessions cover, under a home
Medical Expenses up to £10 million. contents insurance policy. The maximum the insurers will pay
Section 8 – Missed Departure on the Outward Journey
Up to £1,000. Reimbursement of extra travel and
No excess to be paid in the event of a claim being made.
under this policy for valuables owned per insured person is
limited to £500. accommodation expenses.
A Personal Belongings limit of £3,000 (with up to £300 for
Section 9 – Personal Luggage
a Single Article and £500 for Valuables).
Personal Property Claims: These claims are paid based on
the value of the goods at the time that they are lost and not on Up to £3,000. Single article limit £300. Valuables limit £500.
TION
Cancellation Cover up to £10,000 per person. a ‘new for old basis’ or replacement cost basis; thus a
Section 10 – Luggage Delay on your Outward Journey
IMPORTANT NOTES
deduction is made for wear, tear, and depreciation.
Up to £250 for the purchase of essential items if your
The Insurers are required to draw your attention to important Policy Limits: Most sections of your policy have limits on the
luggage has been lost or misplaced on the outward journey
features of your Policy including: amount the insurer will pay under that section. Some sections
for a period in excess of 12 hours.
Material Facts: You must declare to the insurers all material
also include other specific limits, for example for any one item
Section 11 – Money and Passport
facts that are likely to affect this insurance. Failure to do so may
or for valuables in total. You are advised to check your policy.
Money up to £600 (£400 cash). Under 16’s £50.
prejudice entitlement to claim. If you are uncertain as to whether Reasonable Care: You need to take all reasonable care to
Passport £250.
a fact is material, you should declare it to the insurers. A definition protect yourself and your property, as you would if you were INFORMA
of a ‘material fact’ is in the policy in the meaning of words. not insured.
Section 12 – Personal Liability
Health: This policy contains restrictions regarding pre-existing Complaints: The Policy has a complaints procedure which tells
Up to £2,000,000.
112
medical conditions which unless declared and accepted by you what steps you can take if you wish to make a complaint. Section 13 – Personal Accident 113
the Insurers in writing prior to travel may invalidate any
Jurisdiction: Your Policy is governed by the laws of England
Up to £5,000 in respect of accidental death. Other capital
subsequent claim. If you are in any doubt as to whether you
and Wales.
benefits for loss of sight, limb(s), or permanent total
would be covered by the policy please call the Medical disablement, benefits payable up to £25,000. Death benefit
Screening Helpline on 0870 737 5866.
Cooling Off Period: If, when reading your policy, you decide
for children or persons aged under 16 years, limited to
that it does not meet your requirements, please return the
Standard Sports and Activities: Standard Sports and Activities
£1,500. No permanent total disablement benefit is payable
policy and booking invoice to Gold Medal Travel within
are defined in the policy in the meaning of words. If you are
for persons over 65 years of age.
15 days of you having received it. On condition that you have
going to take part in any other sports and activities where there
not made a trip and you have not submitted a claim or know
Section 14 – Legal Protection
may be a high risk of injury or if you are in any doubt as to
of any circumstances that may lead to a claim, you will be Up to £50,000. To pursue a claim for personal injury or
whether cover will apply, please refer to Gold Medal Travel or
refunded any premium you have paid. death against a third party.
call the Travel Helpline on 0870 737 5863 or from abroad
dial UK code then 1444 442705.
A BRIEF SUMMARY OF YOUR COVER EXCESS WAIVER
Age Limit: No section of this policy shall apply in respect of
Section 1 – Medical Emergency & Repatriation
No excesses are payable as part of this policy. This policy is
any person who has reached the age of 76 years at the time
Up to £10,000,000. Includes repatriation by air ambulance
only available to UK residents.
of departure.
where medically necessary and with prior authorisation of the
CLAIMS
24 hour emergency service.
Trip Limits: Your policy contains strict limits on the length of time
Claims forms can be obtained from http://www.europ-
you can spend travelling abroad on each trip. A definition of a
Section 2 – Emergency Dental Treatment assistance.co.uk/clientclaimforms
‘trip’ is in the policy in the meaning of words. TRAVELLING IN
Up to £150 for the costs of providing temporary treatment for
Alternatively telephone the Claims Helpline on 0870 737
EXCESS OF THE TRIP LIMITS WILL INVALIDATE THE WHOLE
the immediate relief of pain.
5865 or from abroad dial UK code then 1444 442707 to
POLICY. Trips must commence and end in the UK Area. Section 3 – Additional Accommodation & Travelling Costs obtain a claim form, giving your name and booking invoice
Medical Emergency: In the event of a medical emergency
In the event of a valid claim under Section 1 - Medical number, and brief details of your claim. The premium is to be
you must contact the insurers as soon as possible, before
Emergency & Repatriation, up to £5,000 for additional
added to the deposit payment. Children under two years of
incurring expenses in excess of £500. If you are physically
travelling and accommodation costs.
age at the time of departure and for whom no travel charge is
prevented from contacting the insurers immediately, you or Section 4 – Hospital Daily Benefit
made are covered at Nil premium in respect of all sections of
someone designated by you must contact the Insurers within In the event of a valid claim under Section 1 - Medical the policy when travelling with an insured adult.
48 hours. Emergency Helpline is 0870 737 5862 or from Emergency & Repatriation, a benefit of £40 per complete day Europ Assistance Holdings Ltd is authorised and regulated by
abroad dial UK code then 1444 442704. of in-patient treatment up to a maximum of £600. the Financial Services Authority.
CLIMATE GUIDE
SUN – AVERAGE DAILY SUNSHINE HOURS.
O
C – AVERAGE DAILY MAX. TEMPERATURE (
O
C).
RAIN – AVERAGE MONTHLY RAINFALL (MM).
JANUARY FEBRUARY MARCH APRIL MAY JUNE JULY AUGUST SEPTEMBER OCTOBER NOVEMBER DECEMBER
SUN
O
C RAIN SUN
O
C RAIN SUN
O
C RAIN SUN
O
C RAIN SUN
O
C RAIN SUN
O
C RAIN SUN
O
C RAIN SUN
O
C RAIN SUN
O
C RAIN SUN
O
C RAIN SUN
O
C RAIN SUN
O
C RAIN
DUBAI 8 24 0 8 25 25 8 28 25 10 32 0 11 37 0 11 39 0 10 40 0 10 41 0 10 39 0 10 39 0 9 31 0 8 26 25
FUJAIRAH 8 22 0 8 22 25 8 24 25 10 32 0 11 34 0 11 35 0 10 34 0 10 34 0 10 32 0 10 31 0 9 26 0 8 22 25
RAS AL KHAIMAH 8 24 0 8 25 25 8 28 25 10 32 0 11 37 0 11 39 0 10 40 0 10 41 0 10 39 0 10 39 0 9 31 0 8 26 25
AL AIN 8 24 0 8 25 25 8 28 25 10 32 0 11 37 0 11 39 0 10 40 0 10 41 0 10 39 0 10 39 0 9 31 0 8 26 25
ABU DHABI 8240 8 25 25 8 28 25 10 32 0 11 37 0 11 39 0 10 40 0 10 41 0 10 39 0 10 35 0 9 31 0 8 26 25
BAHRAIN 7 20 14 8 21 16 8 24 13 9 29 9 10 33 1 11 36 0 11 37 0 11 38 0 11 36 0 10 31 0 9 28 2 7 22 10
DOHA 9 24 14 9 25 16 8 28 13 10 32 9 10 37 1 11 39 0 10 40 0 9 41 0 9 39 0 10 34 0 8 31 2 9 26 10
OMAN 9 25 14 10 25 16 9 28 13 11 32 9 12 37 1 12 38 9 36 0 10 33 0 11 34 0 10 34 0 10 30 2 9 20 10
EGYPT 7 18 5 20 23 4 10 24 4 11 28 1 11 33 1 12 35 0 12 37 0 12 35 0 11 32 1 10 30 1 9 26 2 8 20 6
Weather: This weather information should only be used as a guide and you should fully research all weather before you book your holiday. We can not be held responsible for any problems with the weather during your holiday.
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