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We offer FREE HOLIDAY CANCELLATION INSURANCE for all guests that stay with us. This insurance is inclusive in your rental payment.

We have arranged the insurance with J L Morris (Insurance Brokers) Ltd and have included their details and the policy wording below. If you have any questions with regard to this please contact us in the first instance.

 

HOLIDAY CANCELLATION POLICY WORDING FOR THE 2004 SEASON

Holiday Insurance (cover for cancellation and curtailment only)
Definition
Insured Person means any member of the holiday party named as an Insured Person on the Application Form and who is ordinarily resident in the United Kingdom, Channel Islands, Isle of Man, North America, Australasia, South Africa, Japan, Saudi Arabia, United Arab Emirates, Europe (including the Commonwealth of Independent States west of the Ural Mountains) or countries bordering the Mediterranean.
Your Cover
Allianz Cornhill will compensate the Insured Person against financial loss up to the limit of the Sum Insured as a result of the holiday being cancelled or curtailed due to:
1. Death, accidental bodily injury, or illness of:
a) the Insured Person and/or any person with whom he/she has arranged to travel or meet at the specified holiday establishment
b) any close relative or business associate of the Insured Person or of any person with whom he/she has arranged to travel or meet at the specified holiday establishment
2. a) jury service
b) witness call
c) compulsory human quarantine on the instruction of the Government or any competent public authority
d) unemployment through redundancy, after the date of booking and before the commencement date of the holiday
e) pregnancy of the Insured Person and/or any person with whom he/she has arranged to travel or meet at the specified holiday establishment, occurring after the commencement date of this insurance.
3. Fire, storm, flood, malicious damage or theft which is the subject of a business or home insurance claim and which occurs at the Insured Person's main residence or business premises within seven days of the commencement of the holiday, or at any time after the commencement of and during the holiday.
4. Occupational posting of which the Insured Person was unaware at the time of the booking of the holiday.
5. Cancellation or curtailment of scheduled transport services due to strikes, riots, or civil commotion, but limited to the cost of alternative transport up to £100.00 for each Insured Person for the outward journey, and £100.00 for each Insured Person for the return journey.
6. The irrecoverable cost of alternative similar accommodation if the holiday is disturbed by excessive noise, substantial loss of visual amenity or any other significant nuisance outside of the control of the accommodation provider or letting or booking agency rendering the accommodation unsuitable for holiday purposes, subject to:
a maximum payment of 150% of the invoice cost of the original booked accommodation
the disturbance not being in existence or a commencement date publicly announced at the time of booking the holiday
the disturbance being confirmed as expected to exceed a 24 hour period
excluding
any claim solely arising from the failure by the accommodation provider and/or the letting/managing agency to properly maintain the holiday accommodation
7. Inability of the Insured Person to reach the specified holiday establishment
a) due to adverse weather conditions making the journey exceptionally hazardous or impossible
b) due to road closure except where alternative routes are open
c) upon the advice of the local Police.
Provided that the Insured Person has taken all reasonable steps to reach the specified holiday accommodation.
This insurance does not cover
a) disinclination to travel
b) failure of public or private transport services, other than due to strikes, riots, or civil commotion
c) suicide, attempted suicide, insanity, the influence of alcohol or the effect of drugs not taken in accordance with treatment prescribed and directed by a qualified medical practitioner, or booking a holiday which is, or would be, against the advice of a qualified medical practitioner
d) any loss which is otherwise insured by a travel insurance, or a travel insurance provided as a benefit by a credit card, or an annual travel insurance, whether part of an home insurance policy or otherwise.
e) any claim arising directly or indirectly from the failure or fear of failure of any computer program, to recognise or to correctly interpret or process any date as its true calendar date, or to continue to function correctly beyond that date.
f) any claim directly or indirectly arising out of any nuclear, chemical or biological contamination due to any act of terrorism.

Law Applicable
The policy shall be governed by and construed under English Law.
Sum Insured
Transport costs, if arranged by the accommodation provider or letting or booking agency, and the full cost of the holiday accommodation.
Claims Conditions

a) The Insured must give notice to Allianz Cornhill, via J. L. Morris (Insurance Brokers) Ltd., as soon as possible of any loss damage or occurrence which may result in a claim.
b) The insured must provide Allianz Cornhill with all information and evidence which Allianz Cornhill may reasonably require at no expense to Allianz Cornhill.

Data Protection Act
Allianz Cornhill may use the personal and business details you give us, or which are supplied by third parties, to provide you with a quotation, to administer your policy and other enquiries we consider necessary to evaluate the risk and assist in making a decision regarding our acceptance of the risk, to support the development of our business including your details in customer surveys, and for market research and compliance business reviews. We may also share these details with other insurance organisations to help offset risks, to help administer the policy and to handle claims and to prevent fraud. We will store your details but will not keep them longer than necessary. Under the terms of the Data Protection Act 1998, you are entitled to a copy of all the information we hold about you for which we may charge you a fee of £10.00 to cover our administration costs.

Complaints Procedure
Our aim is to get it right, first time, every time. If we make a mistake we will try to put it right promptly. We will always confirm receipt of your complaint within five working days and do our best to resolve the problem within four weeks. If we are unable to do so, we will let you know when the answer may be expected. If we have not resolved the problem within eight weeks, and if applicable to you, we will provide you with information about the Financial Ombudsman Service.
Should you wish to make a complaint , then it should be directed to:
David J Morris ACII, Chartered Insurance Broker
J L Morris (Insurance Brokers) Limited
1 Market Close, POOLE BH15 1NQ
Tel: 01202 649330. Fax: 01202 649660
E-mail: enquiries@jlmorris.co.ukOR
Allianz Cornhill:
Roman Landing, 35-37 St. Mary's Place
Kingsway, Southampton SO14 1AU
Tel: 023 8063 5051. Fax: 023 8063 7385
Additionally, you may contact:
The Association of British Insurers Consumer Information Department
51 Gresham Street
London EC2V 7HQ
The General Insurance Standards Council
110 Cannon Street, London EC4N 6EU
Tel: 020 7648 7800. Fax: 020 7648 7808
E-mail: enquiries@gisc.co.uk British Insurance Brokers Association
14 Bevis Marks, London EC3A 7NT
Tel: 020 7623 9043. Fax: 020 7626 9676
E-mail: enquiries@biba.org.uk
Holiday Cancellation Policy Wording for the 2004 Season