Overseas Holiday Insurance. Over 50 years protecting members overseas

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1 Overseas Holiday Insurance Over 50 years protecting members overseas

2 Red Pennant Motoring & Personal Holiday Insurance With 50 years experience protecting Club Members, Red Pennant has been specifically tailored to offer those touring abroad a service they can rely on. With a freephone helpline and multi-lingual staff, it s reassuring to know that a call to the club is all it takes to get help. For more information on Red Pennant and any limitations and exclusions please visit our website or contact us for a copy of the policy. Red Pennant offers: Holiday Insurance for caravanners, motorhomers and trailer tenters Single-trip, annual multi-trip and long stay cover options Assistance line manned by multi-lingual Club trained staff Cover includes: Which policy is best for you? Explanation of cover Annual multi-trip Long stay Plus cover Motoring & Personal Package Protection and assistance for both motoring and personal needs where your vehicle is the primary means of travel. UK cover on departure and return to home Breakdown roadside assistance Vehicle, passenger & pet repatriation Continuation of holiday travel and/or accommodation Motoring Only cover Assistance when you experience technical difficulties (including accidents) with your car, caravan or motorhome and when your vehicle is the primary means of travel. Personal Only cover Essential protection for medical emergencies and personal property including cancellation and curtailment cover. This can be used for non motoring/caravanning holidays or combined with motoring only cover. Designed for members who are planning multiple continental trips a year with trip duration options of 31, 45 and 66 days per trip. Designed for members who are planning one continental holiday. Cover is available for up to 122 days. (185 days for Personal Only cover). Designed for members who are planning one extended continental holiday. Available to add to Motoring & Personal and Motoring Only Policies. Plus cover doubles your benefit entitlement, helping to offset any further expenditure concerns. While our standard policy offers excellent cover for most trips, Plus cover could be especially important if you have a larger outfit or are planning a longer break. Visit camc.com/holidayinsurance or for further information call Your choice of cover and benefits... Type of Cover Cover per party, unless otherwise stated Vehicle, passenger & pet recovery: Motoring & Personal Motoring Only Personal Only cover per person Standard Plus Standard Plus Europe Towing to nearest garage total cost total cost total cost total cost - Emergency labour cost Emergency labour and parts cost Storage charges Recovery of vehicle(s) total cost total cost total cost total cost - Stuck on soft ground cover Additional ferry costs total cost total cost total cost total cost - Collection of repaired vehicle(s) 1000 total cost 1000 total cost - Chauffeured recovery total cost total cost total cost total cost - Return home from scene of mishap total cost total cost total cost total cost - Secondary towed vehicle total cost total cost total cost total cost - Continuation of holiday travel Continuation of holiday accommodation Spare parts location and dispatch total cost total cost total cost total cost - Roadside assistance abroad Included Included Included Included - Late return of hired caravan or trailer tent Loss of use of car on return to UK Medical and other expenses (per person) 2m 4m - - 5m Hospital benefit Loss of deposit for cancellation due to illness Loss of deposit for cancellation due to fire, accident or theft of the vehicle(s), or loss of vehicle cover under the Continuation sections above, 14 days prior to departure Emergency return home Personal accident benefits Loss or damage to personal luggage and documents Payment of customs duties total cost total cost total cost total cost - Legal benefits Unauthorised occupation of UK home by squatters Break-in cover Emergency phone calls to the Club Travel delay Missed departure Personal public liability 1m 1m 1m 1m 2m Ski equipment Optional Optional Hijack benefit Mugging Plus Cover is not available for motor vehicles 12 years old and over 2 3

3 Motoring Only and Motoring and Personal Premiums All prices quoted are based on up to two travellers and outfit Vehicles up to 14 years old are covered by the policy and older vehicles can be added for an additional premium Family rates are available (2 adults & 3 Children and outfit) Additional travellers can be added (up to a maximum of 10 people in total) Infants under 4 years are free Number of Days Motoring Only Standard Plus Motoring and Standard Personal Package Plus Annual multi-trip Number of Days Motoring Only Long stay Standard Plus Motoring and Standard Personal Package Plus Number of Days Don t just take our word for it... Like anything, when all is going well you think I won t bother with insurance but when things go wrong, it s most certainly worth it!! The lovely staff at Red Pennant are certainly one in a million. Mr & Mrs Dosser, Surrey Unless you have been through something like this, you cannot believe the relief and comfort it is to have a friendly helpful voice on the other end of the telephone. Without a doubt the money spent on Red Pennant was some of the best we have ever spent. The service received was absolutely superb. Mr & Mrs Trivett, Nottingham We just cannot praise the service given highly enough, and it is a great comfort and peace of mind to know that this sort of back-up is only a phone call away. Your whole department deserves the highest commendations. Mr & Mrs Taylor, Pembrokeshire I have to say that someone else taking over such a stressful situation was indeed such a relief for my husband and myself. I can only thank Red Pennant from the bottom of our hearts. Mr & Mrs Trunkfield, Devon From the first contact with the team, I received tremendous backup and encouragement from Trish, who subsequently phoned me in France every day to assess the situation, gave me helpful advice and even arranged a ferry for early return to UK. I have been a Club member for 38 years, and I have frequently taken out Red Pennant Insurance in previous years. However this was the first time I have needed any assistance. I found the system really exemplary. It is certainly worth every penny. J.W, member, Canterbury We felt that the service you gave us was first class and you went above and beyond the call of duty. Customer Service at its best and quite rare these days. Mr & Mrs Groom, Staffordshire Motoring Only Standard Motoring and Personal Package Standard Personal Only Premiums Number of Days up to 5 up to 12 up to 17 up to 24 Extra weeks* Per Person Standard *or part thereof up to a maximum duration of 6 months Annual multi-trip Number of Days People Standard Per Person Standard All prices quoted are correct as of 1 January 2017 Col De Mont Cenis-French Alps 4 5

4 Important notes Brief details of the benefits and premiums of Red Pennant Holiday Insurance are contained in this brochure. This section details a summary of the exclusions and conditions of cover. Options and premiums are available for additional travellers and vehicles aged 15 years and over. Our full premiums are available on request. Full terms and conditions are set out in the policy wording, which can be viewed on our website or sent out on request. Exclusions 1 Any vehicle(s) exceeding 8m (26ft 3in) shipping length, 3m (9ft 10in) in height, 2.55 m (8ft 4in) in width or 4.25 tonnes gross weight. For caravans and motorhomes exceeding these parameters, please contact the Club. 2 The pursuit of any trade, business or profession. 3 Expenses recoverable under your car and caravan policies and/or other policies and/or agreements. 4 Non-essential repairs that do not affect the mobility or safety or security of the vehicle(s) such as air conditioning and motor movers. 5 Claims for compensation for loss or curtailment of holidays, or for inconvenience, pain, distress or disappointment caused by any reason. 6 Claims arising as a result of any wilful act of you or any member of your party 7 Any claim arising as a result of your manual work. 8 Professional or organised sports, racing, speed or endurance tests, hazardous pursuits. Conditons of cover Cover is only availbale for journeys commencing in and returning to the UK or Republic of Ireland and for the duration of the policy purchased. Cover is effective from the time of departure from your home and ceases on your return home, cover taken must cover these dates. Cars, caravans and motorhomes must be serviced in accordance with the manufacturers specifications and must be in a roadworthy condition. Personal cover To be covered under this policy you must be healthy and fit to undertake your planned trip. This policy will not cover you if you are travelling against medical advice or with the intention of obtaining medical treatment or consultation abroad. When taking out a Red Pennant Personal or Motoring and Personal Policy you will be asked the following medical questions which will apply to you and anyone else who is to be insured. The following applies at the date of taking out this policy or booking your trip (whichever is the later) or any time between taking out this insurance and the start date of your trip. If there are any changes to your state of health once the policy has been purchased it will be your responsibility to inform us. It is essential that you answer these questions accurately: Other than routine reviews is anyone awaiting any new treatment (including surgery), specialist referral, investigations or results of any tests? Has anyone been discharged from any post-operative procedure (admission or day case) within the last 3 months? Other than routine annual checks, has anyone received any treatment (including medication) for any cancerous condition within the last 6 months except tamoxifen or similar (hormone treatment) in breast and prostate cancer? Has anyone had any changes to their medication in the last 2 weeks? (This includes ceasing, commencing or changing dose) If anyone is taking Warfarin currently, are their INR levels (blood tests) being reviewed more often than every 4 weeks? Currently has anyone been prescribed any morphine, MST or Fentanyl patches to be used at home? Currently is anyone under review or referral for any psychotic mental illness or had any hospital admission for anxiety, depression or any psychotic mental illness within the last 12 months? If the answer is YES to ANY of the questions shown then you must notify The Club s administration department. Cover may be provided subject to acceptance by us and an additional premium may be requested to cover the condition. If the answer is No to ALL of the questions shown then there is no need to advise us of your condition, provided you are healthy and fit to undertake your planned trip and are not travelling against medical advice or with the intention of obtaining medical treatment or consultation abroad. You must advise The Club s administration department if any of the above questions apply between taking out this insurance and booking your trip or the date of travel. Failure to do so may result in your claim being refused. The above is a summary of our terms and conditions. Full terms and conditions are available on request. Geographical limits for Motoring and Motoring & Personal policies: The Continent of Europe including the UK, the Republic of Ireland and Mediterranean Islands, but excluding Russia, Ukraine, Belarus and Moldova. Under Motoring and Motoring & Personal, cover is only applicable for journeys to the Continent of Europe in your own motor vehicle, that start and finish from a UK or Republic of Ireland home address. Geographical limits for Personal Only policies: Europe includes Republic of Ireland, countries bordering the Mediterranean, Madeira, Commonwealth of Independent States (west of the Ural Mountains) and the Canary Islands. 6 7

5 Bernese Oberland, Switzerland Bernese Oberland, Switzerland This is a promotional leaflet only and a specimen copy of the full policy wording, including its terms, conditions and exclusions, is available upon request. Caravan and Motorhome Club is a trading name of The Caravan Club Ltd which is authorised and regulated by the Financial Conduct Authority for Insurance and Credit activities. Calls may be recorded. Lines are open: 8:45am - 5:30pm Visit camc.com/holidayinsurance or for further information call