Travel Insurance

Whilst we do not insist that you take Tapestry Collections' Travel Insurance, it is a condition of booking that all guests are protected by an insurance which provides at least the same level of cover as the policy recommended by us. Some important facts about your insurance are summarised below. This summary does not describe all the terms and conditions of your policy, so please take time to read the policy document to make sure you understand the cover it provides and that the cover is suitable for your requirements. A full policy document will be sent to you with the confirmation of your booking or upon request.

Policy Summary
The travel insurance we provide for our guests has been arranged by Rock Insurance Services and is underwritten by Europ Assistance, who as part of the Generali Insurance Group is one of the largest insurers in Europe. This insurance is governed by the Law of England and Wales, and unless we agree otherwise is only available to U.K. citizens.

Summary of Travel Insurance Benefits
We offer 2 levels of cover with excellent benefits on both options. The Standard cover or Premier listed below are the cover levels and relevant Excesses.

Summary of cover

Cover	Standard Cover Limits up to	Excess	Premier Cover Limits up to	Excess
Medical emergency & repatriation	£2,000,000	£75 (£20 loss of deposit)	£10,000,000	£50 (£20 loss of deposit)
Cancellation, Curtailment & trip interruption	£1,500	£75	£5,000	£50
Personal luggage	£1,000	£50	£2,000	£50
Personal liability	£1,000,000	Nil	£2,000,000	Nil
Personal accident
Death	£10,000	Nil	£10,000	Nil
If the insured person is aged under 18 or over 65	£2,500	Nil	£2,500	Nil
Loss of one or more limbs, or total and irrecoverable loss of sight in one or both eyes	£10,000	Nil	£25,000	Nil
Permanent total disablement	£10,000	Nil	£25,000	Nil
If the insured person is over 65	£2,500	Nil	£2,500	Nil
Legal protection	£15,000	£200	£25,000	£200

Additional extensions to your policy include Winter Sports Cover, Timeshare Extension Cover and Wedding Cover.
A Child Premium is valid for children aged 2 – 17 who are in full time education. Children under the age of 2 travel free.
A Couple Premium is valid for any couple (including same sex) in a common law relationship or who have co-habited for at least 6 months.
A Family Premium is valid for a Husband & Wife (or common law) plus up to 4 children under 18 in full time education, living at the family home and travelling with their insured parents.
A Single Parent Family Premium is valid for one Adult and up to 4 children under 18 in full time education, living at the family home and travelling with their insured parent.

Premiums

	*Excess waiver for single trip*	*Up to 10 days standard cover*	*Up to 10 days premier cover*	*Up to 17 days standard cover*	*Up to 17 days premier cover*	*Annual cover Europe Standard*	*Annual cover Europe premier*
Adult	£10	£20	£24	£22	£26	£65	£80
Child	£8	£15	£19	£18	£20	£40	£80
Aged 65-69	£15	£27	£35	£37	£42	N/A
Aged 70-74	£20	£35	£48	£45	£56	N/A
Aged 75+	£25	£43	£58	£55	£68	N/A
Family	£10	£40	£44	£50	£54	£115	£140
Single parent family	£10	£30	£34	£40	£44	£115	£140
Couples	£10	£35	£39	£40	£44	£95	£120
Couples 65-69	£15	£50	£65	£60	£75	N/A
Couples 70-74	£20	£65	£85	£80	£100	N/A
Couples 75+	£25	£80	£105	£100	£125	N/A

For worldwide annual cover including America, please add on a supplement of £25 to the above rates.

To avoid paying the Excess.
You can pay an Excess Waiver which means if you make any claim you will not have to pay the policy Excess. These are all per person and not per policy.

IMPORTANT NOTES
Health: This policy contains restrictions regarding Pre-existing Medical Conditions which unless declared and accepted by the Insurers in writing prior to travel may invalidate any subsequent claim. If you are in any doubt as to whether you would be covered by the policy please call the Medical Screening Helpline on 0870 737 6074.

Compensation Scheme: Rock Insurance Services are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if they cannot meet their financial obligations. This depends on the type of business and the circumstances of the claim. Your claim is covered for 100% of the first £2,000 and 90% of the remainder of the claim without any upper limit. Further information about compensation scheme arrangements is available from the FSCS.