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Travel Insurance

For your own peace of mind, we insist that all clients on our holidays are insured to at least the same level of cover provided by our policy. We want to be sure that you are fully protected when things do not go according to plan. Many credit card companies offer some protection but it can be very limited and restricted so we do ask that you compare our cover very closely before you decide to take any alternative insurance. More & more of our clients choose our travel insurance because they know they will receive the personal service and attention to detail that has been our company’s objective.

Our insurance has been arranged through Marcus Hearn & Co Ltd and is underwritten by White Horse Insurance Ireland Limited.

All material facts must be disclosed to the Insurers. Failure to do so may affect your rights under the insurance. A material fact is a fact likely to influence the Insurers in the acceptance or assessment of the insurance (for example your own state of health or that of a close relative). If the Insured Person or anyone travelling with the insured person

* has received hospital treatment in the last 5 years

* has ever suffered from heart or circulatory conditions

* has ever suffered from cancer

* has ever suffered from lung or breathing conditions (with exception of mild asthma suffered in isolation)

Cover will be excluded UNLESS the Insured Persons contacts the medical pre-screening line on 0870 600 7106 and the insured person receives acceptance of cover for their medical condition(s).

WHY OUR TRAVEL INSURANCE

You are insured for missed departure from the moment you leave your home unlike the cover in many policies that only comes into effect when you arrive at your airport or port of departure.

We are here to provide the answers to any questions or concerns you may have and give you support if required should you need to make a claim.

Any claims you may have will be handled quickly and efficiently.

It is simple to arrange - just send the appropriate premium with your deposit payment.

Our policy covers residents of the UK.

SUMMARY OF COVER

Insurance cost per person can be found on the page of the respective tour for adults up to the age of 64. Those aged between 65 and 75 will be charged double the premium.

Section	Cover	Adults	Children
1	Cancellation and Curtailment	£1500	£1500
2	Personal Accident—Death Permanent Total Disablement, Loss of one or more limbs and/or sight of one or both eyes	£5000 £5000 £5000	£1000 £5000 £5000
3	Medical and Additional Expensive	£5,000,000	£5,000,000
4	Baggage and personal Effects (Single article limit £150) Delayed Baggage	£1000 £50	Included in Adult cover Included in Adult cover
5	Personal Money	£150	Included in Adult cover
6	Loss of Passport	£250	£250
7	Travel Delay in the event of 12 hours delay £20 per passenger and £10 each subsequent 12 hours period will be paid £60 maximum If delay exceeds 12 hours and you wish to cancel your holiday	£1500	£1500
8	Missed Departure	£500	£500
9	Personal Liability	£1,000,000	£1,000,000
10	Legal Expenses	£15,000	£15,000


We orgnise & manage a whole host of tours to locations around the world & are continuing to seek out exciting destinations.

Hari Aum Holidays provide a range of
services & bring professional organizational skill to every package tour.


	We understand the needs of our customers we are committed to giving a total holiday solution please contact us for enquires.

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