INSURANCE 2008

We strongly recommend that you and all members of your party are adequately insured as soon as you book your holiday, protecting against unforeseen circumstances that could otherwise spoil your trip. Indeed it is a condition of booking that you must have insurance cover at least equivalent to that described below.

It is important that you purchase travel insurance that properly covers your participation in whatever activities you may undertake at the time that you make the booking. To assist you with this, Hurtigruten have arranged competitive travel insurance from Travel & General Insurance Company plc to specifically meet your needs on your holiday. The schedule of the cover below sets out a summary of the cover provided by this tailored insurance and is suitable for all holidays and activities covered on this website.

The policy has been designed to specifically cover the activities that you may be participating in on your holiday. This includes dog sledging, reindeer and horse sleighing, snow mobiling and zodiac / Polar cirkel boats. If you decide not to purchase this insurance please ensure that your travel insurance covers you for all activities that you may wish to take part in.

The cover is underwritten by Travel & General Insurance Company plc, except for Section K (legal expenses), which is underwritten by DAS Legal Expenses Insurance Company Limited. Both insurers are authourised and regulated by the Financial Services Authority.

An insurance policy containing a more detailed summary will be sent to you with your confirmation of booking. In any event you may ask for a specimen copy of the insurance wording should you wish to examine this in advance.

Premiums For European Cover

Age (on date of departure)	Up to 65yrs	66-75yrs	76-80 Yrs
Up to 5 days	£20	£42	£60
Up to 10 days	£23	£48	£69
Up to 17 days	£28	£59	£84
Up to 24 days	£32	£67	£96
Up to 31 days	£36	£76	£108
Up to 38 days	£48	£101	£144
Up to 45 days	£60	£126	£180

Maximum period of insurance - 45 days.

• Child rate - 0.5 times the base premium if accompanied by an insured adult.
• Family rate* - 2 times the base premium.
• *Family definition - One or two parents travelling with a maximum of four dependent children under the age of 18 years.

The above premiums are inclusive of 17.5% Insurance Premium Tax which is adjustable on any amendment to that tax or its rate.

The premiums listed above are valid from 1 Jan 2008 - 31 May 2009. Premiums for earlier departures are available on request.

INSURANCE COVER AND LIMITS

Section	Standard Cover	Sum insured per person	Excess per person
A	Cancellation & curtailment charges	Up to £5,000	£50
B	Emergency medical repatriation and associated expenses abroad	Up to £2,000,000	£50
	Hospital benefit	£20 for each 24 hour period to a maximum of £500	Nil
C	Emergency assistance in the UK	Up to £2,000	£50
D	Personal Accident	Up to £15,000 (limits apply for travellers under 16 yrs)	Nil
E	Delayed Departure Travel delay	£20 first 12 hours and £10 each subsequent 12 hours to maximum of £250	Nil
	Abandonment afetr 24 hours	Up to £5,000	£50
	Missed departure	Up to £750	£50
	Missed connection	Up to £750	£50
F	Personal possessions Single item limit Valuables limit	Up to £2,000 £300 £400	£50
	Delayed baggage (after 12 hours)	Up to £100	Nil
	Travel documents	Up to £500	£50
G	Personal money	Up to £250	£50
H	Hijack	£50 for each 24 hour period to a maximum of £500	Nil
I	Mugging	£50 for each 24 hour period to a maximum of £500	Nil
J	Personal liability	Up to £1,000,000	£250
K	Legal expenses	Up to £25,000	Nil

Additional cover for cancellation and curtailment, up to a maximum of an additional £10,000, is available for £90 per £1,000.

IMPORTANT DECLARATION

An insurance policy can only provide cover in respect of an event/occurence which is sudden, unforeseen and beyond your reasonable control. Therefore any facts known to you, which could possibly result in you having to make a claim, must be disclosed, otherwise you may not be covered. In particular, you must be able to make the following declaration for yourself and anyone travelling with you:-

As far as I know neither I, nor my travelling companion(s), nor immediate family, nor business associate(s), nor anyone I am visiting, nor anyone else for whom I would expect to be covered:

1 - are waiting for or has the knowledge of the need for an operation, hospital consultation or any other hospital treatment or investigations including the results of routine test;

2 - have been seen by a specialist or been admitted to a hospital overnight in the last 12 months (other than for regular check ups);

3 - have received treatment, or are waiting to receive treatment, including regular medication, within the last 5 years;

4 - have any pre-existing and on-going medical condition that could reasonably be anticipated to give rise to a complication needing medical intervention prior to or during a journey (if i doubt check with your general practioner);

5 - have been diagnosed by a registered general practitioner as having a terminal condition;

6 - know of any circumstances that could be reasonably expected to give rise to a claim under this policy.

If you cannot make this declaration whe you take out the insurance, you must contact Healthcheck on 0845 408 0585.

POLICY DOCUMENT

A policy document that fully defines the cover, conditions and exclusions will be sent to you with your booking confirmation. When you receive your policy, please take time to read it carefully to understand what is and what is not covered, and that all activities that you may wish to participate in are included.

COOLING OFF PERIOD

If the insurance cover does not meet your requirements, please return the policy, proof of premium and any other relevant documents to Hurtigruten within 14 days of receipt and we will refund the premium in full, provided you have not travelled or made a claim.

PLEASE ENSURE THAT YOU READ YOUR INSURANCE POLICY CAREFULLY.

Failure to comply with the terms and conditions of the policy may result in cover being restricted.

PLEASE NOTE THAT THIS INSURANCE CAN ONLY BE ISSUED FOR UK RESIDENTS