Travel insurance requirements

At Headwater we believe that your safety and enjoyment when travelling overseas with us is very important. Therefore travel insurance is a must whenever you travel abroad. We have arranged travel insurance with specialist Insurance Brokers Campbell Irvine. The cover includes a 24-Hour Worldwide Medical Emergency Service, who are experts in providing friendly and professional help.

Please note that if you chose not to take our recommended insurance then we require confirmation that you have an alternative policy that provides cover, which is as wide as the specialist cover we recommend. You will be asked to provide us with the name of your alternative insurer, your policy number together with the 24 hour medical emergency assistance contact number if you chose not to take out our recommended insurance. To arrange cover or obtain a quotation, please contact Headwater on 1-800-567-6286.

Should you have any questions regarding the terms and conditions of cover please contact our Insurance Brokers Campbell Irvine on 0207 938 1734 or email info@campbellirvine.com

Are you sure you are covered for your holiday?

Our insurance policy is tailored to give exactly the cover you need for the trips we offer. If you are considering making your travel insurance arrangements with someone else, please remember that not all insurance cover is the same. Take a look at some of the benefits our insurance provides:

  • Our policy covers all activities featured in trips from this brochure including listed optional activities arranged by us.
    Please note: To ensure full cover during your trip, cyclists MUST wear a cycling helmet. Please contact us for clarification.
  • 24-hour UK based Worldwide Medical Emergency Assistance.
  • Travel delay compensation is possible after only 12 hours delay on both outbound and return journey. Our policy also covers abandonment within the UK after a 12 hour delay.
  • Covers acts of conventional war and terrorism.
  • Up to £1000 cover for loss, theft or damage to tickets (not just flight tickets).
  • Free Automatic 31 day extension of cover if return travel is delayed beyond your control.
  • Cover is for repatriation anywhere in the world.
  • Criminal injuries cover; up to £5,000 in hospital benefit in the event of hospitalisation as a result of being physically assaulted whilst abroad.

Travel insurance summary of cover (per person)

 Cover per personLimits
A. Medical expenses
In patient benefit £10 per day up to
Criminal injuries £100 per day up to
Personal liability
£5,000,000
£200
£5,000
£2,000,000
B. Personal accident
Permanent loss of sight
Loss of limb(s)
Permanent total disablement
Death
(limited to £1000 for persons aged over 65 or under 16 years at the time of death)
£25,000
£25,000
£25,000
£25,000
£10,000
C.Cancellation or curtailment£5,000
D. Delayed departure or arrival
Cancellation due to delayed departure or arrival
Hi-jack of aircraft £100 per day up to
Interruption of transport
£100
£1,500
£3,000
£300
E. Personal effects
(Valuables limited to £350)
(Single article limit £250)
(Disc collections £200)
Temporary Loss of Baggage
Money
Tickets
Passports and visas
£2,000



£ 1,000
£500
£1,000
£250
F.Legal expenses£15,000
G.Winter SportsIncluded

Premiums per person from:

Europe, including all countries bordering the Mediterranean (single trip):

Individual adult, single trip up to 9 days
Individual adult, single trip up to 17 days
£40
£50

Worldwide (single trip):

Individual adult, single trip up to 9 days
Individual adult, single trip up to 17 days
£90
£102

Worldwide (annual multi trip policy):

Individual adult (children aged 18 or less, free of charge)
Individual & spouse (children aged 18 or less, free of charge)
£154
£235

The above premiums include Government imposed Insurance Premium Tax. Currently at 20% and are only applicable to European residents. All premiums shown are valid for policies issued up to 31/12/2016.

Child reduction: Premiums are reduced by half for children aged 18 years of less at date of payment of insurance premiums, if travelling with an adult insured under this scheme.
Free cover - infants under two: Infants aged under two years at departure can be included, free of charge, if travelling from departure point with a parent insured under this scheme - so long as the insured person request that their name is included on the certificate or booking invoice.
Age 66 years or more: For persons aged 66 years or more at the time of arranging insurance double the standard rates apply for single trips. For persons aged 75 years old or more at date of payment of insurance premium please contact Headwater for a quotation. Maximum age 65 years on Annual Multi Trip Policies.
Please note: Cancellation cover starts from the time you pay your premium, which is why we strongly recommend you arrange insurance at the same time as you make your booking.


IMPORTANT

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 detailing our regulated status, 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. 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 01702 427 237, 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 download a specimen copy in Adobe PDF format.

Campbell Irvine Ltd is authorised and regulated by the Financial Conduct Authority. This can be checked on the FCA's register by visiting the FCA's website at www.fca.org.uk. Headwater Holidays Limited is an Appointed Representative of Campbell Irvine Ltd

Thinking about using your existing credit card insurance? Take a look at our travel insurance comparison.

Back to top