At Tribes Travel we believe that your safety and holiday enjoyment are very important. Therefore comprehensive travel insurance is a must whenever you travel abroad. It is a mistake to think that it will never happen to you.
Adequate travel insurance is compulsory for travel with Tribes. We sell a very good and extensive policy with high levels of cover and many good features that other policies do not include, and therefore we are confident in recommending it, though you are not obliged to buy it. You must, however, be covered for £2-5 million for medical and repatriation. Any medical issues need to be discussed with the insurers before taking out the insurance. Failure to tell them about any condition can jeopardise any claim you may need to make. Most insurance policies include cancellation cover, and we strongly recommend that you take out your insurance as soon as you pay for your holiday in case you are unable to travel due to health reasons.
We have arranged a comprehensive travel insurance with AXA Insurance UK Plc (Registration No 202312. Authorised and regulated by the Financial Services Authority. Registered address 107 Cheapside, London EC2V 6DU. This can be checked="checked" on the FSA’s register by visiting the FSA’s website at www.fsa.gov.uk/register or by contacting them on 0845 606 1234).
Download Insurance leaflet
SUMMARY OF COVER
A Medical Expenses £5,000,000
In Patient Benefit £200
Criminal injuries £5,000
Personal Liability £2,000,000 |
D Delayed Departure or Arrival £100/£1000
Hi-jack of Aircraft £3,000
Failure of flight connections £150
Interruption of Transport £300
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B Personal Accident £25,000
Permanent Loss of Sight £25,000
Loss of Limb(s) £25,000
Permanent Total Disablement £25,000
Death £10,000
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E Personal Effects £2,000
(Valuables limited to £350)
(Single Article limit £250)
(Disc Collections £200)
Money £500
Passport ad Visas £250
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C Cancellation or Curtailment £5,000
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F Legal Expenses £15,000
G Wintersports * Optional
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*Additional Winter sports cover available upon request.
PREMIUMS per person:
Single Trip |
Europe (includes Morocco and Jordan)
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Worldwide ex North America
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Worldwide
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Up to 4 Days
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£13.78
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£43.42
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£56.39
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Up to 9 Days
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£17.34
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£50.03
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£67.50
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Up to 17 Days
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£22.23
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£56.41
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£74.33
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Up to 24 Days
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£30.67
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£62.07
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£82.88
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Up to 32 Days
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£38.23
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£68.44
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£88.00
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The above premiums include Government imposed Insurance Premium Tax. Currently at 17.5%
Family Rate - For families travelling together a premium of 2½ times the adult rate applies. This provides for two adults under 66 years and up to four children aged 18 years or less.
Child Reduction –Premiums are reduced by half for children aged 18 years or less at the time of booking, if travelling with an insured adult insured under this scheme.
Free Cover –Infants under two. Infants aged under two at departure can be included, free of charge, if travelling from departure point with a parent insured under this scheme –so long as their name is included on the validation certificate.
Age 66 years or more –For persons aged 66 years or more at the time of arranging insurance double the standard rates apply.
- BAGGAGE AND MONEY DISCOUNT- 20% Discount if you choose not to have baggage and money cover. If you already have a household policy this may cover your personal baggage and money while you are on holiday. If you check and find this is the case you may wish to exclude this from your Travel Insurance.
- MOTORBIKES AND SCOOTERS -Our policy covers you to ride any two wheeled motorbike irrespective of its engine size provided that it is hired or borrowed and not your own vehicle. Please note that will all travel insurance policies Liability cover needs to be arranged separately at the time of hiring the bike.
- PLEASE NOTE - Cancellation cover starts immediately your application and payment is received and other sections on commencement of the booked travel. A certificate will be issued and sent to you within a few days.
- MATERIAL FACTS - Please remember that all Material Facts should be disclosed, as failure to do so may affect your rights under this Insurance. In particular you should disclose any serious medical condition including people not necessarily traveling but upon whom the trip may depend that may require treatment during a period of overseas travel, or might cause you to cancel the trip.
- TRAVEL DELAY –The Travel Delay section of the policy covers your return journey as well as the outbound.
- AUTOMATIC EXTENSION OF COVER –In the event that you are prevented from returning home due to circumstances beyond your control the policy is automatically extended for up to 31 days from the date the policy was due to expire free of charge.
GEOGRAPHICAL AREAS
Europe
Europe means Europe West of the Ural Mountains and also countries bordering the Mediterranean, plus Iceland, Jordan, Madeira, the Canary Islands, Azores and Mediterranean Islands.
Worldwide excluding North America.
North America means USA and Canada: a) for any period of cover purchased this area can include a single day/night stopover anywhere in the world for both outward and return travel. b) if the period of cover purchased is two months or more this area can include a maximum of six days/nights anywhere in the world.
Worldwide
Premiums for worldwide cover for the single trip insurance are available on request.
ANNUAL MULTI TRIP TRAVEL INSURANCE
For persons who travel regularly for pleasure the cover outlined above is also available under one single certificate at a single annual premium, offering exceptional value and convenience. This insurance is available to anyone residing in Europe for the full period of the cover.
Whether you are on a Tribes family holiday in Peru, a long weekend in Marrakech or visiting relatives in Australia –our policy will cater for all types of conventional travel without the need to give advance notice, since cover is automatic.
- UP TO TEN WEEKS ANY SINGLE JOURNEY
- ONE SINGLE CERTIFICATE COVERS YOUR TRAVEL INSURANCE NEEDS FOR AN ENTIRE YEAR ALLOWING ANY NUMBER OF TRIPS
- INCLUDES UP TO FOUR WEEKS’ WINTER SPORTS AND SCUBA DIVING COVER AT NO ADDITIONAL COST
- SPOUSE COVERED IF TRAVELLING INDEPENDENTLY
- NO CHARGE FOR CHILDREN AGED 18 YEARS OR LESS IF NAMED ON THE POLICY
- NO ADVANCE NOTICE OF TRAVEL REQUIRED, COVER IS AUTOMATIC FOR ANY TRIP
PREMIUMS per person:
| Annual multi-trip insurance |
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Principle Insured Person
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£133.71 Per Person
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Insured person and their partner/spouse
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£200.58
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The above premiums include Government imposed Insurance Premium Tax. Currently at 17.5%
- CHILDREN –Children can be included free of charge provided:
- They reside permanently with parent who is Principle Insured Person
- They are aged 18 years or less at the time of a specific trip commencing.
- You have requested that their name be included on the Certificate issued to you
- PERIOD OF TRAVEL –This insurance is only available for trips where the entire period of travel for any one trip is less than ten weeks.
- ACTIVITIES –This Insurance is available for holiday or business travel, but excludes overseas residency, permanent overseas employment, work of a predominantly manual nature or any hazardous activity.
- AGE 66 YEARS OR MORE –For persons aged 66 years or more at the time of arranging insurance double the standard rates apply and cover is not available for persons aged over 75 years
- REFUND –No refund of premium is possible once a certificate has been issued, other than our initial Money-Back Guarantee.
GEOGRAPHICAL AREA :
WORLDWIDE
UNITED KINGDOM
Cover does apply to journeys with in the UK, provided they involve at least two nights prepaid accommodation away from home. The standard package of cover applies, with basic medical Cover deleted, but the Additional Expenses and criminal Injuries still applies.
BUSINESS TRAVEL
If cover is required for Business Travel an EXTRA PREMIUM OF £23.33 is PAYABLE
ABI CODE OF PRACTICE
Before you purchase this insurance we are requested to bring to your attention a number of important aspects concerning the travel insurance on this website.
Health
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 |
Policy Document
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.
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Conditions, Exclusions and Warranties
These limit or restrict the cover provided. Some apply to all sections of the insurance whilst others only apply to specific sections.
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Complaints
This Insurance contains a procedure which you should follow if you wish to make a complaint.
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Claims for Personal Baggage
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.
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Date Recognition Failure
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.
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Sums Insured or Limits
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)
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High Risk Activities
The Insurance may not cover you when you take part in certain activities not organised through Tribes Travel. You must check that the Insurance covers your requirements.
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Excesses
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.
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"Cooling Off Period"
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.
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Reasonable Care
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.
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Jurisdiction
The Insurance will be subject to English Law unless otherwise agreed.
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