Good personal holiday insurance is essential for a worry-free holiday, and it is a condition of booking that our riders are covered by holiday insurance which includes emergency medical assistance.
We offer a specially arranged policy through travel insurance brokers Campbell Irvine Ltd, whose cover is affected by AXA Insurance UK PLC, both of whom are authorised and regulated by the Financial Services Authority. Their policies are among the most comprehensive available and offer full cover for the risks associated with horse riding.
If you do not wish to take out this insurance you must supply us with full details of your policy; it is your responsibility to ensure that the cover is adequate for the riding and other activities you plan to undertake.
Should you wish to take out our recommended insurance policy, the premium is payable to Cambpell Irvine directly. A Certificate of Insurance will be issued and sent to you which gives the full terms and conditions that apply. Please keep a separate note of the certificate number in case you lose the original.
You can download the Campbell Irvine application form here. Please print and complete this form and send it with your payment to:
Campbell Irvine Ltd.
48 Earls Court Road
Tel: 0844 8262722
Fax: 020 7938 2250
Please note that the details shown on this page are only a summary of cover, a specimen policy document detailing the full policy terms and conditions is available upon request or click here to see a copy.
The amounts are per insured person:
Winter Sports Extension (applicable only if the appropriate premium supplement has been paid) - All of the above cover is available to you PLUS:
Single Trip Travel Insurance for Geographical Area 2 (Europe):
The above amounts are per person and include government imposed Insurance Premium Tax.
Cover for winter sports / skiing is subject to a 100% load in premium or £25.00 which ever is the lesser. See below for a list of covered activities.
If you require a 'worldwide (excluding USA and Canada) policy' please note this on the top of your form.
Claims are dealt with by:
Towergate Chase Parkinson Ltd
PO Box 416
Tel: 01932 334196
Fax: 01932 336620
Towergate Chase Parkinson Ltd is authorised and regulated by the Financial Services Authority.
Many claims are subject to the deduction of an excess, applicable to each section of cover and each Insured Person. The excess is £50 for Medical, Cancellation or Curtailment (but not loss of deposit only) Baggage or Money claims. For Legal Expense claims only the first £250 is excluded.
When you receive your Insurance Certificate, if you feel that the cover does not suit your requirements then a full refund will be allowed if the Certificate is returned within 14 days as long as no claims have been made and the period of travel has not started.
Please note that cover is excluded for any pre-existing medical condition from which you, or any person upon whom travel depends, is suffering. If in doubt call the medical helpline, in confidence, on 0870 906 3140.
For our client's peace of mind a full 24-hour Medical Emergency Service is provided by Speciality Assistance Services. Full details are shown on each certificate, together with contact procedures. The service they provide varies according to circumstances, the following give some idea of the wide facilities they can make available.
Medical Assistance: In the event of emergency involving injury or illness Speciality Assistance Services have immediate access to a medical team of consultants and doctors in every field of medicine available to make direct contact with hospital / clinic or treating doctor to obtain diagnosis and prognosis and offer advice and guidance for the well-being of the patient.
Air Ambulance and Repatriation: If on the advice of the medical consultant it is medically necessary and considered in the interest of the patient to be repatriated or transported to another area to obtain proper medical care, then Speciality Assistance Services are readily able to arrange an air ambulance. Speciality Assistance Services take advantage of all known ambulance services thus affording the best service where possible for each individual case. When medically expedient, sitting and stretcher cases may be repatriated by scheduled and charter airlines, which is generally a more comfortable means of travelling long distances.
Medical escorts: As and when medically necessary doctors or fully qualified nurses with medical equipment are available to support a patient travelling by air or road ambulance or scheduled and chartered aircraft.
Exclusions apply, see the Certificate for full details.
If you suffer illness, disease, or an accident involving bodily injury, during the period of insurance, Underwriters will pay for medical or hospital expenses incurred outside your country of residence, such as fees for doctors, hospital drugs, medication or surgery. Keep all receipts.
In addition, Underwriters will pay for ambulance and emergency repatriation costs, additional accommodation or travel expenses above those that might otherwise have applied, extending to include a relative or friend who has to travel or remain with you on medical advice. You will be repatriated back to your home country not just the UK.
For serious medical conditions cover extends to include emergency repatriation costs, including air ambulance if necessary, or funeral expenses or costs of repatriating remains.
If you suffer accidental bodily injury or death whilst travelling a benefit is available for loss of an eye, a limb or permanent disablement of £25,000, or £10,000 for death.
If you have to cancel your journey prior to departure as the result of serious illness or injury, death, quarantine, jury service, witness call, redundancy or major damage at your home or business, Underwriters will repay to you whatever amount is not refundable by the Travel Agent or Tour Operator with whom you booked prior to leaving the UK.
This Insurance extends to include cancellation caused by any of the above reasons to your travelling companion if they have purchased insurance, or a close relative, or a dependent business partner.
If your journey is curtailed whilst you are overseas then a proportionate refund will be made in respect of inclusive tour costs.
If you are travelling independently and cannot use your existing air tickets to return to the UK, Underwriters will reimburse your additional travelling expenses and will also consider a claim for the value of unused air tickets for sections of the journey which you are unable to complete.
Our Claims service can normally assist in having 'non-transferable' tickets amended, or up-graded, where return to the UK in an emergency situation is needed.
In the event of the delayed departure or arrival of an aircraft, sea vessel or train, compensation of £25 is payable for the first 12 hours delay and £12.50 each subsequent 12 hours. Maximum amount claimable £100. This section is extended to include cancellation up to £1,000 if the whole itinerary is abandoned before departure after a 12 hour delay. This excludes delay due to late book in. The return journey is covered as well as the outbound.
If you are found to be legally liable for accidental bodily injury to another person or accidental damage to their property then Underwriters will pay up to £2,000,000 including legal expenses to indemnify you against any award made by a court. This excludes liability for motor vehicles or motorcycles.
If you suffer personal injury or death during the period of travel, Underwriters will appoint an agent and if necessary pay legal costs and expenses to pursue a claim for compensation and / or damages against the guilty party. In the event of a potential claim there is a 24 hour assistance line available from the UK.
If you are unable to reach your airport of international departure in the UK due to the interruption of scheduled public transport services because of either strike, mechanical breakdown or adverse weather or an accident to the motor vehicle in which you are travelling to point of departure and you miss your outward flight, Underwriters will reimburse you for additional travel and accommodation-only costs. Excludes industrial action which had commenced or was publicly declared prior to this Insurance being purchased.
If you suffer loss, damage or theft of your baggage, clothing or personal effects whilst travelling Underwriters will pay up to £2,000. Cover is provided on an indemnity basis and it is not 'new for old' or replacement.
Please note that there is a limit of £250 for any one article, pair or set and the value of disc collections shall be limited to £200. There is a further limit of £350 in total for all valuable items, which includes jewellery and photographic equipment.
Following a loss or theft of money - which is cash, bank or currency notes held for private purposes - we will pay up to £500 to reimburse you, including reasonable expenses incurred as a result of loss.
If you lose air or other tickets we will pay up to £1,000 to replace them. Losses must be reported to the issuing agent in the UK and are limited pro-rata to the original purchase price.
If you lose your passport or visas we will pay up to £250 to replace them, including reasonable expenses.
Please note: you are expected to make adequate provision for security of your personal effects or money at all times. In the event of a loss you must obtain written confirmation from the local police authority. Valuable items and money must be in your close personal custody and control and you should act in a responsible manner as if you are not insured.
You are advised to keep all receipts relevant to any claim you intend to make.
The following activities are automatically included at standard premiums:
Archery, Netball, Backpacking, Non-manual work, Badminton, Orienteering, Ballooning, Outward bound pursuits, Baseball, Overland travel, Basketball, Paint balling, Blackwater rafting, Parascending/Parasailing, Boogie boarding, Pentathlon, Bouldering, Polo, Bowls, Pony trekking, Bungy jumping (max 2 jumps), Racketball, Camel riding, Rambling, Canoeing, Rollerblading, Canyoning, Rollerskating, Catamaran sailing, Rounders, Clay pigeon shooting, Rowing, Cricket, Safari/gorilla trekking, Curling, Safari travel, Cycling (Cycles not included), Sailing, Cycle racing, Sailboarding (Boards not insured), Deep sea fishing, Sea kayaking, Dinghy sailing, Scuba diving, Elephant riding, Shooting, Fell running (on recognised routes), Snorkelling, Fell walking (on recognised routes), Squash/racquet sports, Fishing, Surfing, Game drives, Swimming, Golf, Tennis, Gymnastics, Trampolening, Guided glacier walking, Trekking, Hiking, Triathlon, Hockey, Tug of war, Horse riding or other animal riding, Volley ball, Hurling, Water polo, Jet boating (No personal Liability cover), Water skiing (No personal Liability cover), Jet skiing (No personal Liability cover), White water canoeing/rafting, Jogging, Windsurfing, Zorbing.
Paragliding is subject to a 50% load in premium.
Winter sports are subject to a 100% load in premium or £25.00 which ever is the lesser and include the following:
Cross country skiing, ice hockey, ice skating, ski boarding, snowboarding, snow mobile driving. Downhill skiing is insured if the client is using a recognised piste. Random 'off piste' winter sports activities will only be insured if a client is with an instructor or in a group of not less than 3 persons in possession of working communications or portable telephone.
Before you purchase this insurance we are requested to bring to your attention a number of important aspects concerning the travel insurance in this brochure.
The Insurance contains conditions that relate to your health and that of others not necessarily travelling with you but upon whose well being the trip may depend. In particular, pre existing medical problems are not covered unless the Medical Helpline is contacted on: 0870 906 3140.
These limit or restrict the cover provided. Some apply to all sections of the insurance whilst others only apply to specific sections.
This Insurance does not provide cover on a 'new for old' basis, which means that deductions for age, wear and tear will be made where appropriate.
All sections of the Insurance have a limit on the amount the Insurer will pay. Some sections have internal limits such as the amount the Insurer will pay for any one item or the amount of all valuables (including photographic equipment).
Under most sections of the Insurance, claims will be subject to an excess of £50. This means you will be responsible for paying part of the claim.
You are required to take all reasonable care of yourself and your property and to act at all times as though you are not insured.
The Insurance may not cover you when you take part in certain activities not organised through your Tour Operator. You must check that the Insurance covers your requirements.
This Insurance contains a procedure which you should follow if you wish to make a complaint.
The Insurance contains an exclusion for some losses arising from the failure of equipment to correctly recognise the calendar date, such as the change to the year 2000.
The Insurance will be subject to English Law unless otherwise agreed.
If the Insurance does not meet your requirements you may return the documentation within 14 days of the purchase or prior to travel if this is sooner and, provided no claim has been made, obtain a refund.
This contains the full details of what is and is not covered. Please read it carefully to ensure you understand the cover provided. Should you wish a specimen, a copy will be made available prior to purchase upon request.