Insurance
To give you peace of mind, we insist every member of your party has travel insurance. This need not be with us although we can offer you a policy with great cover at a reasonable price.
We can provide your travel insurance
Cover with our policy starts when you pay for your holiday in full (8 weeks before departure):
- Children under 2 are free
- Excess waiver option - pay a small extra charge and avoid most excess charges
- NEW economy option - extra low rates for limited cover
- NEW Motor breakdown cover for complete peace of mind
- 10% reduction when you book both personal and motor breakdown cover*
*Guests taking advantage of our half price insurance loyalty offer will receive 10% discount on motor insurance if booked at the same time.
2010 insurance prices and policy details
Travel insurance
| Economy | Standard | Premier | |
| Family | |||
| Up to 10 days | £39.99 | £47.40 | £58.20 |
| 11-17 days | £44.99 | £56.25 | £68.85 |
| extra/part week | £9.99 | £10.80 | £12.15 |
| Excess waiver | £19.99 | £15.60 | £13.95 |
| Child (2-17) | |||
| Up to 10 days | £8.99 | £10.95 | £13.20 |
| 11-17 days | £9.99 | £13.20 | £16.50 |
| extra/part week | £2.49 | £2.90 | £3.25 |
| Excess waiver | £4.49 | £3.90 | £3.60 |
| Adult (18-59) | |||
| up to 10 days | £16.99 | £18.90 | £21.95 |
| 11-17 days | £19.99 | £21.95 | £26.40 |
| extra/part week | £3.99 | £4.45 | £5.65 |
| Excess waiver | £7.99 | £7.10 | £6.50 |
| Couple (18-59) | |||
| up to 10 days | £29.99 | £33.90 | £37.90 |
| 11-17 days | £34.99 | £39.40 | £44.90 |
| extra/part week | £7.99 | £8.90 | £9.25 |
| Excess waiver | £15.99 | £12.60 | £10.55 |
| Motor breakdown | |||
| Up to 10 days | £39.70 | ||
| Up to 17 days | £45.80 | ||
| Up to 23 days | £49.60 | ||
| Caravan/Trailer | £17.40 |
Notes
1: Family means parents/guardians plus up to four dependent children under 18.
2: Single parent families subtract 25% from these figures.
3: Prices available on request for people aged 60+.
4: Couple means two adults living at the same address.
5: Death benefit is limited to £10,000. Please note reduced sums insured apply to certain age groups. Please refer to full policy.
6: This excess is per person. To avoid having to pay any excess, choose the excess waiver option.
| Maximum cover* | ||||
| Economy |
Standard |
Premier | ||
| Personal assistance services (per trip) | £250 | £250 | £250 | |
| Medical emergency and repatriation | £3,000,000 | £3,000,000 | £10,000,000 | |
| Emergency dental treatment | £250 | £250 | £250 | |
| Additional accommodation and travel costs | £500 | £1000 | £2000 | |
| Cancellation, curtailment or interruption | £500 | £1500 | £5000 | |
| Personal luggage | £200 | £1000 | £2000 | |
| Single article, pair or set of articles | £100 | £150 | £200 | |
| Valuables (max £100 if insured is under 18) | £100 | £100 | £200 | |
| Cash | £100 | £100 | £200 | |
| Passport | £N/A | £150 | £200 | |
| Personal liability (per policy) | £2,000,000 | £2,000,000 | £2,000,000 | |
| Personal accident | £10,000 | £10,000 | £10,000 | |
| Legal protection (per policy) | £10,000 | £15,000 | £25,000 | |
| Mugging | £N/A | £300 | £500 | |
| Domestic pets | £N/A | £150 | £300 |
*Excesses apply, unless you choose the zero excess option.
For the full list of benefits click here
Motor insurance
| Maximum Cover |
Excess |
|
| Cover prior to Departure | £750 | NIL |
| Roadside Assistance | £250 | NIL |
| Replacement Parts | £600 | NIL |
| Break-in Emergency Repairs | £175 | NIL |
| Vehicle Out of Use | £1,500 | NIL |
| Camping Trips | £Hire costs/B&B total £500 | NIL |
| Alternative Driver | Repatriation or qualified alternative driver | NIL |
| Repatriation | Up to current market value of vehicle in UK | NIL |
| Caravan Denial of Access | Emergency accommodation | NIL |
| Motoring Legal Protection |
£1,000 defence costs £25,000 pursuing claims |
NIL |
|
Customs Regulations (following vehicle write-off) |
Supervision of disposal costs or Duty due | Nil |
If you are arranging your own insurance
You will need to tell us at the time of booking. Please let us know your insurance provider, policy number and emergency contact number for use should a problem arise when you are on holiday. You are advised to check that the policy you choose is suitable for your holiday.
Our policies
We have arranged a policy through specialist Rock Insurance Services Ltd underwritten by market leading insurer Europ Assistance Holding Irish Branch. In an emergency, Europ Assistance's multilingual specialists are available by telephone 24 hours a day for advice and guidance.
The policy document gives you full details of what is and what is not covered and what to do if you need to make a claim. It is very important that you read the whole policy before you travel to make sure the cover is suitable for you. Please make sure that you take it on holiday with you in case of an emergency. A copy of the policy wording will be forwarded to you with your Confirmation Invoice.
IMPORTANT
You may already possess alternative insurance(s) for some or all of the features and benefitsprovided by this product; it is your responsibility to investigate this. We will not provide you with advice about the suitability of this product for your individual needs; we will however be happy to provide you with factual information to aid you in making your own informed buying decision.
The full benefits list and policy document can be viewed here. The policy document gives you full details of what is and what is not covered and what to do if you need to make a claim. It is very important that you read the whole policy before you travel to make sure the cover is suitable for you. Please make sure that you take it on holiday with you in case of an emergency. A copy of the policy wording will be forwarded to you with your confirmation invoice. All age limits quoted are that of the date of issue of insurance.
Demands and Needs
This travel insurance policy will suit the Demands and Needs of an individual, or group (where applicable) who have no excluded pre-existing medical conditions, are travelling to countries included within the policy terms and who wish to insure themselves against the financial impact of specified unforeseen circumstances/events relating to or occurring during the trip. Full details of these circumstances/events, levels of cover and terms and conditions can be found in the policy booklet or click here for details
Spring Harvest Holidays is an Appointed Representative of ITC Compliance Limited who are authorised and regulated by the Financial Services Authority.
Important Notes:
In accordance with the Association of British Insurance General Business Code of Practice, we would like to draw your attention to some important features of your insurance including:
- Insurance document. You should read this carefully. It gives full details of what is and is not covered and the conditions of the cover. It will be sent with your holiday invoice.
- Conditions and exclusions. Specific conditions and exclusions apply to individual sections of your insurance, whilst general exclusions and conditions will apply to the whole of your insurance.
- Health. This insurance contains certain restrictions regarding pre-existing medical problems concerning health of the people travelling and of other people upon whose health the trip depends. You are advised to read the document carefully.
- 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.
- Limits. This insurance has limits on the amount the insurer will pay under each section. Some sections also include other specific limits, for example, for any one item or for valuables in total.
- Excesses. Under some sections of this insurance, claims will be subject to an excess. This means you will be responsible for paying the first part of the claim.
- Reasonable Care. You need to take all reasonable care to protect yourself and your property, as you would if you were not insured.
- Dangerous Sports and Pastimes. If you are going to take part in dangerous sports or pastimes where there is a risk of injury, check that this insurance covers you.
- Customer Service. We always try to provide a high level of service. However, if you think we have not lived up to your expectations, please refer to our Terms and Conditions which outlines our complaints procedure.
- Cooling-off. This insurance contains a ‘cooling off' period of 14 days during which you can return it and get a refund if you have a justifiable reason for being dissatisfied with the cover provided.
- Cover is only available for EU residents.
