Travel insurance is a vital aspect to booking a holiday, giving you protection against unforeseen circumstances that could otherwise spoil your holiday. It is essential that you purchase travel insurance that properly covers your participation in whatever activities you may undertake at the time that you make your booking. To assist you with this, we have arranged competitive travel insurance through specialist Insurance Brokers Campbell Irvine Ltd which covers activities booked with Saddle Skedaddle. It is your responsibility to ensure you arrive at the start of the Saddle Skedaddle itinerary within a reasonable time to commence the pre-booked tour, as we cannot refund you outside the terms of our Booking Conditions. If you have booked flights independently, you may wish to consider arranging insurance in addition to the cover granted under our standard travel insurance policy to cover the cost of cancelled itinerary if your airline cancels your flight and you cannot make it to the start of your tour. Contact us find out more details. The schedule of the cover below sets out a summary of the cover provided by our tailored insurance.

SCHEDULE OF COVER

Section	Standard Cover	Sum insured per person	Excess per person
A	Cancellation or Curtailment	£5,000	£80, £100 aged 66+ (all £25 loss of deposit)
B	Emergency Medical and Other Expenses	£10,000,000	£80
	Dental Limit	£250	£100 aged 66+
	Hospital Benefit	£20 per day up to £200	Nil
C	Personal Accident	£20,000 (maximum benefit)	Nil
D	Travel Delay	£25 for the first 12 hours, £25 for each subsequent 12 hours up to £400	Nil
	Holiday Abandonment	£5,000	£50
E	Baggage and Passport	£2,000	£50
	Single Item Limit	£250
	Valuables Limit in Total	£250
	Delayed Baggage	£250 (£50 per day)	Nil
F	Personal Money	£500	£50
G	Passport, Tickets and Documents	£250	£50
H	Personal Liability	£2,000,000	£200
I	Legal Expenses	£25,000	Nil
J	Hijack	£100 per day up to £1,000	Nil
K	Catastrophe Cover	£1,000	£50
L	Scheduled Airline Failure	£2,000	Nil
	Dynamic Packaging Protection	£2,000
M	Travel Disruption	Up to £1,000	Nil

Premiums - UK

PERIOD	PER ADULT
Up to 3 days	£12
Up to 5 days	£14
Up to 10 days	£17

PERIOD	PER ADULT
Up to 17 days	£20
Up to 31 days	£30

Premiums - Europe

PERIOD	PER ADULT
Up to 3 days	£20
Up to 5 days	£25
Up to 10 days	£34

PERIOD	PER ADULT
Up to 17 days	£39
Up to 31 days	£56
Add week	£12

Premiums - Worldwide excluding North America

PERIOD	PER ADULT
Up to 3 days	£50
Up to 5 days	£58
Up to 10 days	£65

PERIOD	PER ADULT
Up to 17 days	£75
Up to 31 days	£92
Add week	£20

Premiums - Worldwide including North America

PERIOD	PER ADULT
Up to 3 days	£66
Up to 5 days	£76
Up to 10 days	£90

PERIOD	PER ADULT
Up to 17 days	£100
Up to 31 days	£120
Add week	£25

• Infants under 3 years - free when travelling with an insured adult
• Children aged under 19 years -half the standard adult premium when travelling with an insured adult.
• Family rate - 2 times the base premium - 2 adults with any number of their dependent children aged 18 years or less.
• Person aged 66 to 69 years on departure - 1and a half times the base premium.
• Person aged 70 to 74 years on departure - 2 times the base premium (maximum duration 45 days)

All premiums shown are inclusive of the government imposed premium tax currently at 20% and are valid for all policies issued up to 31/12/2013

Annual multi trip insurance

Premiums including Insurance Premium Tax

POLICY	EUROPE	WORLDWIDE
Individual	£100	£145
Couple	£150	£215

• Children aged under 19 years - half adult premium when travelling with an insured adult.
• Maximum duration of any one trip 31 days.
• Optional Winter Sports Activities, maximum 17 days
• Person aged 66 to 74 years - Europe 2 times the adult premium. Worldwide 2 and a half times the adult premium.

Important Declaration

This is only a summary of cover, full details of the cover provided are shown on your policy document which will be sent to you once the appropriate premium has been paid. When you receive your Policy Document and Policy Summary please read it carefully to ensure that you are happy with the cover provided, as this insurance is being sold to you on a Non Advised basis from a single insurer, UK General Insurance Ltd on behalf of Ageas Insurance Ltd. The Policy Document also contains details of our 14-day money back cooling off period and full details of how to make a claim. The Policy includes certain terms conditions, exclusions and excesses. In particular cover is excluded for any defined pre-existing medical condition from which you or any person upon whom travel depends are suffering. If in doubt please contact our medical helpline in confidence on 0844 826 2700 as additional cover may be purchased directly from the insurer's medical screening help line for certain pre-existing medical conditions. Should you wish a specimen, a copy will be made available prior to purchase upon request or alternatively a copy may be downloaded from our website.

Saddle Skedaddle Limited is an Appointed Representative of Campbell Irvine Ltd. Campbell Irvine Ltd are authorised and regulated by the Financial Services Authority. This can be checked on the FSA's register by visiting the FSA's website at www.fsa.gov.uk or by contacting them on 0845 606 1234.