Insurance

The AITO Quality Charter

AITO is an association of small to medium sized tour operating companies, all independent of the vertically integrated groups within the industry. AITO members specialise in particular areas or types of holiday and all are dedicated to providing quality products backed up by a high level of personal service. AITO defines 'quality' as 'providing a level of satisfaction which, based upon the holiday information provided by the tour operator, aims to meet or exceed a customer's reasonable expectations, regardless of the type of holiday sold or the price paid'.

This is how we aim to achieve it:

Accurate Brochures

All members ensure that their brochures clearly and accurately describe the holidays and services offered.

Product Improvements

All members listen to their customers and welcome suggestions for improving standards. All customers receive a post-holiday questionnaire.

Professional Service

All members are committed to high standards of personal service, maintained by the thorough training of employees.

Financial Security

AITO takes care to ensure that all members comply with current UK Government Regulations regarding the protection of clients' money.

Exclusive Membership

AITO has strict membership criteria,which must be satisfied before new companies are allowed to join. All members must adhere to a rigorous Code of Business Practice, which governs their operational conduct.

Responsible Tourism

All members are committed to AITO's responsible tourism guidelines which recognise the tour operator's social and environmental responsibilities.
Finally, in the unlikely event that a dispute between an AITO member and customer cannot be resolved amicably, AITO's low-cost Independent Dispute Settlement Service may be called upon by either side to bring the matter to a speedy and binding conclusion.

THE ASSOCIATION OF INDEPENDENT TOUR OPERATORS
The Quality Alternative

We are confident to recommend to you a specifically designed policy arranged through Voyager Insurance Services Limited and provided by AXA Insurance UK. If you have any questions regarding this insurance, you should call Voyager Insurance Services on 01483 562662 for advice and assistance.

Premiums	Adults Up to 64 yrs*		Family (2 adults* & up to 4 children 17yrs or under*)		Single Parent (1 adult* & up to 2 children 17 yrs or under*)
	Standard	Double	Standard	Double	Standard	Double
Up to 5 Days	£47	£52	£106	£117	£71	£78
Up to 10 Days	£49	£54	£110	£122	£74	£81
Up to 17 Days	£52	£57	£117	£128	£78	£86
Additional Week (max. 31 days)	£20	£23	£45	£52	£30	£35
* Age on day of purchasing insurance. Infants under 3 years old (on date of purchasing insurance) - FREE if accompanied by a Jetlife insured adult. • Scuba Diving (down to various depths dependent on your experience) - FREE • Annual Insurance available - call for details Above premiums, inclusive of Insurance Premium Tax, are valid at the time of print for bookings to 31/12/07. The applicable premium must be included with your deposit payment for your travel arrangements. If you do not wish to be included in this insurance, you must provide us with details of your alternative insurance.
JETLIFE ADDED VALUE • Any number of children included for Family insurance • Special single parent rates with any number of children • FREE scuba diving cover.

SUMMARY OF COVER

The following is only a brief synopsis of the cover, as full details will be forwarded with your Booking Invoice or travel documents in the case of late bookings. A specimen policy wording is available on request should you require further information before booking.

Section	Stadard Cover	Excess	Double Cover	Excess
Cancellation & Curtailment	£2,500	£60	£5,000	Nil
Travel Delay	£20 per 12 hrs, £10 per hour thereafter, up to maximum £100 £1,500	Nil	£40 per 12 hrs, £20 per hour thereafter up to £200	Nil
Holiday Abandonment	£2,500	£60	£5,000	Nil
Medical Emergency & Repatriation	£3,500,000	£60	£7,000,000	Nil
Personal Accident - Death	£12,500 £5,000	Nil	£25,000 £10,000	Nil
Personal Liability	£1,000,000	£100	£2,000,000	Nil
Legal Protection	£10,000	£100	£20,000	Nil
Missed Departure	£500	£60	£1,000	Nil
Personal Luggage - Single Article - Valuables - Emergency Purchase	£1,000 £150 £200 £100	£60	£2,000 £200 £400 £200	Nil
Money & Passport - Cash - Passport	£300 £125 £200	£60 Nil	£600 £250 £400	Nil Nil
Hospital Benefit	£10 per day up to £500	Nil	£20 per day up to £1,000	Nil
Business Personnel Replacement	Nil	Nil	£2,000	Nil
Catastrophe	£400	Nil	£800	Nil

Please refer to policy wording for sub-limits and full terms and conditions.

CLAIM: You must register any claim, preferably by telephone at AXA Assistance Claims Centre Services, PO Box 36400, London EC3N 1ZQ Tel: 0845 601 6500 or in the case of Legal Expenses AXA Assistance Claims Centre Ltd. Legal Department,Windsor House, Pepper Street, Chester CH1 1DF Tel: 0845 601 9142. Notification must be made within 31 days of your trip ending. When contacting the claims department you must state the name of your policy and where it was purchased, policy number, resort and country visited, value of claim, brief circumstances, travel dates and incident date. In the event of injury or illness which may lead to in-patient hospital treatment or before any arrangements are made for repatriation or in the event of incurring medical expenses in excess of £350, you must contact the 24hr Emergency Assistance Service as soon as possible on +44 (0)845 601 6474

IMPORTANT INFORMATION
. YOUR TRAVEL INSURANCE: All insurance policies contain restrictions and exclusions that you should know about. Please make sure that the cover meets your needs and remember to sign the declaration on the back page of your insurance document to confirm that you accept the terms of cover shown in your policy.
. HEALTH: Your insurance contains conditions that relate to your health and the health of others who might not be travelling with you but whose well-being your trip may depend on. In particular insurers do not cover medical problems
. CONTRACT OF TRAVEL INSURANCE: The policy wording together with the Certificate of Insurance (or Cover Letter sent by e-mail) forms the basis of your contract of insurance. It contains certain conditions and exclusions in each section and general conditions and exclusions applying to all the sections. You must meet these conditions or insurers may not accept your claim.
. ELIGIBLE PERSONS: This insurance is only available to permanent residents of the United Kingdom who are registered with a Medical Practitioner in the United Kingdom. Persons aged 65-75 years must pay double the above premiums and persons aged 76-80 years must pay three times the above premiums. The maximum age for a Single Trip policy is 80 years (64 years for annual policies)..
. REASONABLE PRECAUTIONS: You must take reasonable precaution to avoid injury, illness, disease, loss, theft or damage and take all practical steps to safeguard your property from loss and damage and to recover property lost or stolen.
. EXCESSES: If you select the Standard Cover option, you may have to pay the first part of any claim (Excess) as detailed above. Excesses do not apply to the Double Cover option.
. DANGEROUS ACTIVITIES: You may not be covered when you take part in certain sports or activities if there is a high risk you will be injured. For specific activities, cover under Section G, Personal Liability, will not apply. The excess for Medical Expenses may be increased and the sum insured under Personal Accident may be reduced.
. PREMIUM REFUNDS: If this insurance does not meet your needs, Argo Holidays will refund your money as long as you return this document within 14 days of receiving it. You have no cancellation rights where the policy duration from the start of cover to the return date of your trip is less than 30 days.
. LAW: This policy will be governed by the law of England and Wales unless insurers agree otherwise prior to the insurance starting.

MEDICAL CONDITIONS Please answer the following questions, thinking firstly of yourself and others to be insured on this policy. If you answer yes to any of the questions there is no cover for claims related directly or indirectly to the condition(s) unless you have contacted the Medical Screening Service on 0871 142 5219 and we have agreed in writing to cover you.
Please quote the reference 'Voyager Web Agent' when calling.
1. Within the last 2 years, have any of you taken prescribed medication or are waiting to receive, or have received, treatment (including surgery, tests or investigations)?
2. Do any of you have a Medical Condition:

a. for which you have received a terminal prognosis?
b. that has not had a diagnosis?
c. for which you are on a waiting list or have knowledge of the need for surgery, in-patient treatment or investigation at a hospital, clinic or nursing home?

3. Are you aware of any circumstances that could reasonably be expected to give rise to a claim?
Please note that you will not be covered at any time for:

i. any medical condition you have in respect of which a medical practitioner has advised you not to travel or would have done so had you sought his/her advice
ii. any medical condition for which you are travelling with the intention of obtaining medical treatment
iii. any medical condition for which you are not taking the recommended treatment or prescribed medication as directed by a medical practitioner
iv. pregnancy or childbirth where you are expected to give birth within eight weeks of the start of the trip, during the trip or within eight weeks of the end of the trip.