Booking Info

Holiday Insurance

Essential for your holiday peace of mind.

We strongly recommend that you and all members of your party take out insurance which gives protection against the majority of incidents that can spoil a holiday. Indeed it is a condition of booking that you must have insurance cover at least equivalent to that described below. It is essential that our clients are covered for personal and third party liability.

Dominique's Villas has arranged special travel insurance through travel insurance specialists, Milsom Howard Limited that is underwritten by the United Kingdom branch of Union Reiseversicherung AG. A summary of the cover is shown below. Full details of the policies, showing terms, conditions and exclusions are available on request. A copy of the policies will be sent to you with your booking confirmation.

Please note that this insurance is only available to UK residents.

Our policies provide up to the following cover per person:

 

PRE-TRAVEL POLICY
Policy section		Cover provided
Cancellation		up to £5,000* see Note 1
TRAVEL POLICY
Policy section		Cover provided
Departure delay (Flights, ferries and International trains only) Missed departure Abandonment after 12 hours		£20 after first 12 hours £20 after following 12 hours up to a maximum of £260 up to £800 up to £5,000*
Personal possessions Possessions delayed in transit for more than 12 hours		up to £300 for each individual item up to an overall total of £300 for valuables up to a maximum of £2,000 in total* essential items up to £200
Personal money Loss of travel documents		up to £250 in cash on your person up to £500 in total travel and accommodation* costs necessary to  replace your lost travel documents up to £300
Emergency medical expenses State hospital benefit		up to £5,000,000 outside your home country * up to £1,500 within your home country* up to £30 for each full day you are confined to a hospital bed in a state hospital up to a maximum of £1,500 see Note 2
Curtailment (cutting short trip)		unused portion of costs up to £5,000* see Note 2
Personal liability		up to £2,000,000**
Personal accident		£10,000 for your accidental death £15,000 for loss of arms or legs £15,000 if you are permanently unable to work after an accident on your trip see Note 3
Legal advice and expenses		up to £20,000

PRE-TRAVEL POLICY
Note 1 Your policy does not provide cover for recurring or pre-existing medical conditions. If you have ever had a heart related problem, a stroke, cancer, any breathing problems, diabetes, or had any other medical condition which has been treated in hospital or has been referred to a specialist in the last few years you should phone Travellers HealthCheck on 08456 582 999 to see if cover is available. We will confirm any special terms in writing.

TRAVEL POLICY
Note 2 Your policy does not provide cover for re-occurring or pre-existing medical conditions. You must also tell us if your health or medication changes between buying this policy and travelling and if you have ever had a heart related problem, a stroke, cancer, any breathing problems, diabetes, or had any other medical condition which has been treated in hospital or has been referred to a specialist in the last few years you should phone Travellers HealthCheck 08451 300 340 to see is cover is available. We will confirm any special terms in writing.
Note 3 Cover for accidental death is reduced to £1,000 if you are under 16.

POLICY EXCESS
* £65 excess charge
** £250 excess charge for rented property damage; £65 for other claims
Cancellation charges: Deposit only claims: £25

HOLIDAY INSURANCE PREMIUM PER PERSON

	up to 10 days	11-17 days	18-31 days	Plus 7 days
Adults (18-64 yrs)	£21	£26	£36	£6
Children (2-17 yrs)	£10.50	£13	£18	£3
Infants (under 2 yrs)	free	free	free	free
Adults 65yrs +	£69	£81	£99	£33
Family rate*	£52	£65	£90	£16
* Family rate consists of 2 parents travelling with any number of dependent children under the age of 18 yrs on departure.

Dominique's Villas is an "Appointed Representative of Milsom Howard Limited"

Milsom Howard Limited is authorised and regulated by the Financial Services Authority.  Union Reiseversicherung AG is authorised in Germany by BaFin and regulated in the United Kingdom by the Financial Services Authority.

TRAVEL INSURANCE - IMPORTANT NOTICE

Before you purchase this insurance, Dominique’s Villas is required to bring to your attention a number of important aspects:

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.

Conditions, exclusions & warranties: Conditions and exclusions will apply to individual sections of your policy while general exclusions, conditions and warranties will apply to the whole of your policy.

Medical expenses: Your policy does not provide private health treatment unless specifically approved by the emergency assistance service. You should carry an EHIC (European Health Insurance Card) or equivalent and use this at state facilities when travelling within the European Union.

Health: Most travel insurance policies have health restrictions in them that may exclude any pre-existing conditions. If you are purchasing our travel insurance we want to ensure you are provided with the best cover we can offer. Please would you answer either ‘YES’ or ‘NO’ to the following questions:
Have you or anyone who is travelling with you
1. Ever received treatment for:
(a)    a heart related condition, stroke or hypertension (high blood pressure).
(b)    a breathing condition (including asthma).
(c)    cancer.
(d)    diabetes.

2. Been referred to a hospital or a specialist consultant for a health condition that has:
(a)    been diagnosed within the last two years.
(b)    been in existence in the last two years.
(c)    resulted in treatment being given in the last two years.
(d)    resulted in referral to a specialist or hospital for treatment.

If you have answered ‘YES’ to any of the above questions we will be able to offer some cover and may be able to cover your health condition, although an increased excess and/or an increased premium may be required. After buying our travel insurance you will be given a policy document showing the telephone number of our medical helpline. You will need to contact them as soon as possible, providing details from your booking confirmation, to see if the additional cover is available. The medical helpline can only arrange a health check once cover has been purchased. All calls will be treated in the strictest confidence and the decision will be confirmed to you in writing.

Should we require any additional premium and you accept our offer, this should be paid to the medical helpline either by credit card or cheque within 14 days of your call.

Please note:
• We are unable to provide any cover on psychological conditions such as stress, anxiety, depression, eating disorders or mental instability.
• We are unable to provide cover for anything which is a result of a pre-existing medical condition of a close relative or close business associate.

Hazardous Activities: If you are taking part in activities that present a risk of injury, including scuba diving and water sports, check that your policy covers you.

Property Claims: These claims are paid based on the value of the goods at the time you lose them, and not on a ‘new for old’ or replacement cost basis, unless otherwise stated in your policy. Your policy will set out what proof the insurer needs to support a claim.

Policy Limits: Most sections of your policy have limits on the amount the insurer will pay under that section. Some sections also include other specific limits, for example: for any one item or for valuables in total. You are advised to check your policy if you intend taking expensive items with you.

Policy Excesses: Under most sections of the policy, claims will be subject to an 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. You may be able to pay an additional amount to remove the standard policy excess.

Reasonable Care: You need to take all reasonable care to protect yourself and your property, as you would if you were not insured.

Fraud: The making of a fraudulent claim is a criminal offence. Your insurer may be recording details of claims on an anti-fraud register.

Complaints: Our Insurers set high standards, if you are not satisfied with the insurance policy, please refer to the policy wording which contains full details of the complaints procedure.

‘Cooling Off’ Period: Your policy will have a ‘cooling off’ period during which you can cancel the policy and get a refund, if you have a justifiable reason for being dissatisfied with the cover it provides.

Your policy is governed by the law of England and Wales unless you and your insurers have agreed otherwise.

If you would like more information, please contact: Milsom Howard Limited: Tel: 01895 234919; Fax: 01895 231864; e-mail: enquiries@milsomhoward.com, particularly if you feel the insurance may not meet your needs.

These details are not a substitute for your insurance policy.

Please make sure you read your policy carefully.

Please note that we can arrange annual travel insurance - please call us for further details.