Peace of mind

•  All activities provided by Ramblers Worldwide Holidays are automatically included in this policy – policies from other insurers do not automatically include all elements of a tour. Ramblers Worldwide Holidays insurance policy may provide cover for pre-existing medical conditions. Again, many other travel insurance policies fully exclude all existing medical conditions. Simply call Fortis Health Line on 0845 168 5682 and quote scheme code RAM1 and they will be pleased to help if you have any medical queries regarding complying with the health requirements of the policy, but please read the medical declaration first.

• Quality of cover

   Our policies are provided by fully authorised FSA suppliers who specialise in travel insurance, so you can be sure of the services offered in the event of a claim. Cover includes 24 hour medical emergency services provided by Assistance International – a leader in this field with experience in providing medical advice, rescue and repatriation from across the world.

• Extra value

  At Ramblers Worldwide Holidays, we understand walking, so our travel policy even provides a benefit should you become unable to walk whilst on holiday.

Who regulates us?

Ramblers Holidays Limited is an Appointed Representative of Towergate Underwriting Group Limited, Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent, ME14 3EN, which is authorised and regulated by the Financial Services Authority. Towergate Underwriting Group Limited's Register No. 313250

Towergate Underwriting Group Limited's permitted business is advising on and arranging general insurance contracts.

You can check this on the FSA's Register by visiting the FSA's website: www.fsa.gov.uk/Pages/register/

or by contacting the FSA on 0300 500 5000

Summary of important features

The insurers would like to draw your attention to the important features of the policy:

Policy document

 A copy of the policy will be sent with your booking confirmation. This document contains full details of what is and what is not covered and the conditions of the cover. You should read this carefully.

Conditions, exclusions and warranties

There are conditions and exclusions which apply to individual sections while general exclusions, conditions and warranties will apply to the whole of the policy.

Health

The policy contains restrictions regarding pre-existing medical problems concerning the health of the people travelling and of other people upon whose health the holiday may depend – even if they are not travelling.

Property Claims

These claims are based on the value of goods at the time you lose them and not on a new-for-old or replacement cost basis.

Policy Limits

Most sections of the policy have limits on the amount that will be paid under that section. Some sections also include other specific limits, for example, for any one item or valuables in total. You are advised to check the policy if you intend to take expensive items with you.

Policy Excesses

Under most sections of the policy, claims will be subject to an excess. This means the first part of the claim will not be paid.

Reasonable Care

You will need to take all reasonable care to protect yourself and your property, as you would if you were not insured.

Complaints

The insurance policy contains a complaints procedure which tells you what steps you can take if you wish to make a complaint. The policy is governed by English Law unless you and the insurers have agreed otherwise.

‘Cooling Off’ Period

The policy contains a 14-day cooling off period during which you can return the policy and obtain a refund.

We regret that our insurance policy is not available for non-UK residents.