DEMANDS AND NEEDS STATEMENT

This travel insurance policy will suit the Demands and Needs of an individual or group (where applicable) who have no 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. Levels of cover and terms and conditions can be found in the policy booklet.

IMPORTANT - You may already possess alternative insurance(s) for some or all of the features and benefits provided 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.

Anemone Travel and Holidays limited is an Appointed Representative of ITC Compliance Limited which is authorised and regulated by the Financial Services Authority (FSA)

ANEMONE  HOLIDAYS TRAVEL INSURANCE NEVER  TRAVEL  WITHOUT  IT – INSURANCE  FOR YOUR SECURITY AND  PEACE OF  MIND

Whilst we do not insist that you take “ANEMONE HOLIDAYS” Travel Insurance, we believe that our policies represent great value for the comprehensive quality of cover and service provided. More and more of our clients choose our travel insurance because they know they will receive the personal service and attention to detail that has always been our company’s objective. For your own protection, our Booking Conditions require that you have adequate travel insurance if travelling outside of the United Kingdom.

WHY OUR INSURANCE IS THE FIRST CHOICE FOR DISCERNING TRAVELLERS
• NEW!– Our insurance has been arranged through Citybond Suretravel who are authorised and regulated by the Financial Services Authority.
• Our policy covers residents of the UK and EU residents provided they have resided in the country for 6 months prior to inception of the policy and are registered with a local doctor.
• Our multi-lingual staff at the Emergency Assistance service are on call 24 hours a day, 365 days of the year and they will resolve any problem in the most efficient, suitable and practical way available at the time. If you have chosen alternative insurance, we may be unable to offer you the same level of service since many assistance companies are not manned overnight or at weekends.
• Cover is simple to arrange – you complete the insurance section of the booking form, including the appropriate premium with your deposit payment and cover will commence immediately.

IMPORTANT: PRE-EXISTING MEDICAL CONDITIONS
Your policy contains restrictions regarding pre-existing medical conditions of the people travelling and of other people upon whose health the trip may depend. You are advised to read your policy carefully and to read the information below and to sign the insurance declaration on the booking form.

The “ANEMONE HOLIDAYS” Travel Insurance operates on the following basis:
1. To be covered, you must be healthy, fit to travel and undertake your planned trip;
2. The insurance will NOT cover you when you are travelling against medical advice or with the intention of obtaining medical treatment or consultation abroad.
No claim arising directly or indirectly from any Pre-existing Medical Condition affecting you, a close relative, travelling companion or person with whom you intend to stay whilst on your trip will be covered unless:
• You have declared that condition to the Underwriters; and
• You have declared any changes in your health or prescribed medication; and
• The Underwriters have accepted that condition or change in condition for insurance in writing prior to departure.
To declare a Pre-existing Medical Condition or a change in your state of health or
prescribed medication, you should contact Citybond Healthcheck, either at
www.Healthcheck247.com, available all day every day, or by telephone Citybond
Healthcheck on 0870 220 3937 (Mon. to Fri. 9.30am to 5.00pm, Sat 9.30am to 12.30pm).
Please note that calls to Healthcheck may be monitored or recorded for audit or training purposes.
Failure to declare any Pre-existing Medical Condition that is relevant to the insurance may invalidate the Policy.
The Citybond Suretravel Customer Service CentreFor any other enquiries with regard to the “ANEMONE HOLIDAYS” Travel Insurance, please call 0870 444 6431 and discuss any matter with a member of the Citybond Suretravel customer service staff.

PREMIUMS PER PERSON
(Inclusive of Insurance Premium Tax @ 17.5%) (Maximum period 60 days) *Age Limit – Under 65 years only. (For over 65 please call our reservations number 0208 889 9207)

Children under 18 years of age at date of issue of Policy – 50% of adult
Premium. Infants under 2 on departure date -‘Free Insurance Cover if accompanied byInsured Adult.

Family premiums are available to cover the main Insured Person, his/her spouse or partner, and their dependent children under 18 years of age residing with them and/or in full-time education.

“ANEMONE HOLIDAYS” regret they are unable to arrange travel insurance for those over 80 years of age as at the date of application. We recommend they contact Free Spirit on 0845 1300560 and quote CIT1029 in order that a personal quotation can be provided to suit individual requirements.

SUMMARY OF BENEFITS (Please read the policy wording for full terms and conditions)

If you need increased cover, please check your Home Contents policy first as most people can have their valuables insured under this policy while they are away for a minimal additional cost.

IMPORTANT NOTICE
In accordance with the General Insurance Standards Council Private Customer Code, your attention is drawn to some important features of your policy.
• Policy document: you should read the document carefully. It gives you full details of what is and what is not covered and the terms and conditions of cover.
• Conditions, exclusions and 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.
• Dangerous sports or pastimes: if you are going to take part in dangerous sports or pastimes where there is a high risk of injury, check that your policy covers you. If you are uncertain if cover is provided please contact “ANEMONE HOLIDAYS” for clarification.
Property claims: these claims are based on the value of the goods at the time you lose them and not on a “new for old” or replacement cost basis.
• 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 which is per person per section per claim.
• Reasonable care: you need to take all reasonable care to protect yourself and your property.
• Complaints: your insurance policy has a complaints procedure which tells you what steps you can take if you wish to make a complaint.’ Cooling off’ period: if after reading your policy you are not satisfied for any reason, you must return it to “ANEMONE HOLIDAYS” within 14 days of issue or receipt  in order to receive a full refund of premium, provided that a claim does not exist and travel has not taken place.