Annual Multi-trip Travel insurance

It is a condition of your booking that you obtain adequate holiday insurance. If you have made alternative arrangements it is very important that you inform us of your arrangements and ensure that all policies cover sailing.

Nautilus Yachting is an introducer of Travel & General Insurance Services Limited (tagis) and we have arranged with them a fully comprehensive multi- trip policy which is underwritten by ACE European Group (ACE).

This policy covers yachting within territorial waters, SCUBA diving to 40 meters and other watersports. Wintersports (up to 17 days) covers ski equipment as well as piste closure. Maximum period for any one trip is 31 days.

The policy includes:

• Ability to cover EU residents,
• Cover for volcanic ash for the travel delay benefit,
• Cover for cancellation due to adverse weather, such as snow, making it impossible to travel,
• A nil excess across the whole travel delay section of the policy.

• Age limit 75.
• Family Policy covers single or 2 parents travelling together with their children (up to maximum of 4 children under 18 years).  
• This policy automatically covers Winter Sports up to 17 days.
• Travel Insurance must be paid for at time of issue.
• Available to EU residents.
• Extensions: Golf +25%, business trip +35%, SCUBA diving for qualified divers over 9m +35%

Please make sure you allow plenty of time before you travel to apply for this policy.

POLICY EXCESS: An excess may be applicable per person and per section under which the policyholder is claiming.

EMERGENCY ASSISTANCE: There is a 24-hour emergency assistance service included in the policy so that any insured person may seek assistance in medical emergencies whilst on holiday.

MAIN EXCLUSIONS: You MUST advise insurers on  0844 826 2711 of any pre-existing medical conditions you, or anyone upon whom the trip may depend, of which you are aware and for which you would expect to be covered by this policy. All insured persons must read and answer the following :
1      Do you or a Close Relative have a Pre-existing Medical Condition?
2      Have you or a Close Relative received a terminal prognosis for any medical condition?
3      Are you or a Close Relative aware of a medical condition but have not received a formal diagnosis?
4      Are you or a Close Relative on a waiting list or have the knowledge of the need for surgery in a hospital?
5      Are you aware of any circumstances that could reasonably be expected to give rise to a claim on this policy?

DISCLOSURE OF HEALTH CONDITIONS: To discuss your pre-existing conditions and make a declaration please call Healthcheck line on 0844 826 2711. Failure to do so may invalidate any claim under the insurance.

IMPORTANT NOTICE

POLICY DOCUMENT: you should read the document carefully. It gives you full details of what is and what is not covered and the conditions of the cover. Cover will vary from policy to policy and Insurer to Insurer.

CONDITIONS, EXCLUSIONS and WARRANTIES: conditions and exclusions will apply to individual sections of your policy whilst general exclusions, conditions and warranties will apply to the whole of your policy.

HEALTH: your policy may contain restrictions regarding pre-existing medical problems concerning the health of the people travelling and of the people upon whose health the trip will depend. You are advised to read our policy carefully.

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.

PROPERTY CLAIMS: these claims are paid based on the value of the goods at the time you lose or damage 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 anyone 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.

REASONABLE CARE: you need to take all reasonable care to protect yourself and your property.

COMPLAINTS: your insurance policy will have in it a complaints procedure, which tells you what steps you can take if you wish to make a complaint.

"COOLING OFF" PERIOD: your policy contains a cooling off period during which you can return the policy and get a refund, if you have a justifiable reason for being dissatisfied with the cover that it provides.

The law in the country that you reside in within the United Kingdom, governs your policy unless otherwise stated on your policy. The identity of the insurer will be shown on the policy document.