Holiday Insurance

The Holiday Cancellation insurance
is included in the hire charge

The Personal Holiday Insurance
Is an optional extra, but one 
we recommend you consider having: 

HOLIDAY CANCELLATION INSURANCE

Your cancellation cover - the policy will provide the following benefits if it is necessary and unavoidable for you to cancel or curtail your holiday because of any of the Qualifying Reasons have occurred since your booking was accepted:

1. If you cancel before the balance of hire is due and payable, we will relieve you of the responsibility for payment of your balance of hire and refund your Initial Payment less your cancellation plan premium. 
2. If you cancel after the balance of hire is due and payable, we will refund your balance of hire (or relieve you of the responsibility for payment of your balance of hire if not paid) and refund your Initial Payment less your cancellation plan premium and a £16 administration charge.
3. If you curtail your holiday and return home, we will give you a proportionate refund of the balance of hire paid

In the case of multiple or party bookings where more than one boat is booked at the same time, cover is assessed on each boat individually.

Qualifying Reasons

Death, accidental bodily injury, illness or admission to hospital (including events caused by pregnancy or childbirth) of you or any member of your party or of any close relative, fiancée or close business associate of you or any member of your party.

Compulsory quarantine of you or any member of your party or your travel being prevented by Government restrictions following an epidemic.

Redundancy qualifying for payment under the terms of the Employment Protection (Consolation) Act 1978 of you or any member of your party.

Unforeseen occupational posting in your present employment or withdrawal of annual leave because of an unforeseen business emergency of you or any member of your party. Hijack of your or any member of your party.

You or any member of your party being required for jury of witness service in a court of law.

Police advising you not to travel due to adverse weather conditions.

Police requiring you or any member of your party to attend following theft at your home or place of business.

Damage rendering your home, or that of any member of your party, uninhabitable.

Exclusions

Disinclination to travel; Claims as a result of any accident to or illness of your family pets; Any consequences of war and radioactive contamination and similar risks; Changes in your financial circumstances or unemployment, other than redundancy as described above.

How to Claim 

Notify us in writing immediately the circumstances arise and supply documentary evidence including medical certificates where appropriate, to support your claim. If you need to curtail your holiday, you must return your boat to the boatyard before returning home. The decision of Hoseasons Holidays on all claims will be final.

YOUR PERSONAL HOLIDAY INSURANCE

The details of the policy are set out below, including your FREE car breakdown and accident recovery insurance. The cost depends on the cost of your holiday: please consult the following table for the tariffs, and if required, indicate on the booking form when you send in your booking.

2006 Premiums

YOU AND EVERY MEMBER OF YOUR PARTY IS COVERED BY OUR SPECIAL HOLIDAY INSURANCE unless you say 'NO' on your booking form indicating that you do not require it. This cover has been specially put together with AXA Insurance and Lloyd's to suit your needs.

Your Travel Insurance:

1.Personal Luggage: Your Baggage, including pedal cycles and household items needed on holiday, is covered if it is lost, stolen or damaged.

Level of cover: Up to £1250 per person; Up to £250 any single article; Up to £250 in total for all valuables.

Main exclusions: The first £20 of each claim; Unattended baggage unless left in locked holiday accommodation or the locked boot or locked glove compartment of a motor vehicle, provided there is evidence of forcible entry.

2.Personal Money: Your personal money is covered if it is lost or stolen.

Level of cover: Up to £500 per person. Up to £250 for cash while on your person.

Main Exclusions: The first £20 of each claim; Unattended money unless left in locked holiday accommodation or deposited in a safety deposit box.

3.Personal Accident: Our insurers will pay the following benefits if one of your party is accidentally injured while on holiday.

Level of cover: £15000 Death (£2000 for children under 16), loss of limb(s) or eye(s) or permanent total disablement.

Main Exclusions: Taking part in certain hazardous activities including racing, rock climbing, pot holing, scuba diving, ballooning, parascending or skiing on snow.

4.Medical and Associated Expenses:

Level of cover: Up to £250 per person for medical expenses reasonably incurred in the UK as a result of injury; Up to £750 per person for additional accommodation or travel expenses following injury or illness of one of your party and conveyance home of the insured persons body in the event of death; Up to £600 hospital benefit, at the rate of £20 per day, if one of your party is an in-patient at a hospital during your holiday.

Main Exclusions: The cost of medicines being used at the start of your holiday; Taking part in certain hazardous activities including racing, rock climbing, pot holing, scuba diving, ballooning, parascending or skiing on snow.

5.Personal Liability: This covers your legal liability for accidental injury to any person or accidental damage to their property.

Level of cover: Up to £2,000,000 per person.

Main Exclusions: The first £100 of damage to your boat or its equipment; Injury or damage suffered by members of your family on holiday with you; Injury of damage caused by your motor vehicle.

Your FREE Carsure Insurance:

Insurers will pay a maximum of £2500 per car for:

EITHER - up to £300 (per car) in respect of labour charges (including recovery to nearest garage) for emergency repairs to enable the journey to be continued.

OR - if your car(s) cannot be repaired within 24 hours

· The cost of recovering and storing your car to the nearest garage or railway station.

· Up to £80 per day (£1000 in all) to hire a similar car to continue your holiday or return home, or the cost of hiring ONE chauffeur in the event of serious illness of the sole available driver in your party up to a maximum of £80 per day and £1000 in all or standard class rail or bus/coach fare to continue your holiday or return home.

· Up to £40 per person per day for any hotel accommodation costs arising as a result of your breakdown.

· The cost of recovering your disabled vehicle home, or an allowance to collect the car after repair.

· The cost of essential telephone calls up to a maximum of £5

· Up to £100 to hire an equivalent car if you still cannot use your car when you have returned home.

Main Exclusions: Breakdown due to lack of petrol, water or frost damage; cost of spare parts.

Vehicles Eligible: At the start of your holiday your vehicle must be in a good road worthy condition and regularly serviced in accordance with the manufacturers recommendation.

Cover is subject to the terms of your Hoseasons Holiday Protection Insurance - details of which will be with your booking confirmation on request. For non-UK residents cover starts on arrival in the UK and ceases when you leave the UK.