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Insurance

Please note our travel insurance policies are only available to UK residents.

Travel insurance is a vital aspect to booking a holiday, giving you protection against unforeseen circumstances that could otherwise spoil your holiday. It is essential that you purchase travel insurance that properly covers your participation in whatever activities you may undertake at the time that you make your booking. To assist you with this, we have arranged competitive travel insurance through specialist Insurance Brokers Campbell Irvine Ltd which covers activities booked with Saddle Skedaddle. It is your responsibility to ensure you arrive at the start of the Saddle Skedaddle itinerary within a reasonable time to commence the pre-booked tour, as we cannot refund you outside the terms of our Booking Conditions. If you have booked flights independently, you may wish to consider arranging insurance in addition to the cover granted under our standard travel insurance policy to cover the cost of cancelled itinerary if your airline cancels your flight and you cannot make it to the start of your tour. Contact us find out more details. The schedule of the cover below sets out a summary of the cover provided by our tailored insurance. To see the full policy document please click here.

SCHEDULE OF COVER

p.

Section Standard Cover Sum insured per person Excess per person
A Cancellation or Curtailment £5,000 £100 (£25 loss of deposit)
B Emergency Medical and Other Expenses £10,000,000 £100
  Dental Treatment Limit £250 Nil
  Hospital Confinement Benefit £200 (£25 per day) Nil
  Overseas Funeral Expenses or Repatriation of Mortal Remains £2,000  
C Personal Accident £25,000 (maximum benefit) Nil
  Permanent Total Disablement (Under 66) £25,000  
  Loss of Limb or Sight (Under 66) £25,000  
  Death (over 18, under 66) £10,000  
  Death (under 18, over 65) £5,000  
  All benefits (66 years and over) £5,000  
D Travel Delay £25 for the first 12 hours,
£25 for each subsequent
12 hours up to £400
Nil
  Holiday Abandonment £5,000 £80
  Missed Departure £1,000 £80
  Missed Connection £500 £80
E Personal Possessions  £2,000 £80
  Single Article/Pair/Set Limit £300  
  Total Valuables Limit £300  
  Delayed Baggage (excess of 12 hours) £250 (£50 per day) Nil
F Money £500 £80
  Cash Limit £300  
  Cash (under 18 years) £100  
G Passport, Tickets and Documents £250 £80
H Personal Liability £2,000,000 £200
  Including Rented Accommodation Limit £100,000 £200
I Legal Expenses £25,000 Nil
J Hijack £100 per day up to £1,000 Nil
K Catastrophe Cover £1,000 £80
L Withdrawal of Services £750 (£75 per day) Nil
M End Supplier Failure £2,000 Nil
N Travel Disruption Up to £1,000 Nil
  Additional Accommodation  £50 per day  
  Additional Food and Drink £50 per day  
  Alternative Return Travel Arrangements  £350  
  Essential Prescription Medicine £100  
  Additional Essential Items £100 per day  
  Additional Travel Expenses £100  
  Vehicle Collection £100  
  Parking Fees £50  
  Loss of Wages £100 per day  
  Kennel/Cattery Fees £100  

Insurance Premiums - UK

PERIOD PER ADULT
Up to 3 days £14
Up to 5 days £18
Up to 10 days £21
PERIOD PER ADULT
Up to 17 days £26
Up to 31 days £32
 

Insurance Premiums - Europe

PERIOD PER ADULT
Up to 3 days £26
Up to 5 days £34
Up to 10 days £44
PERIOD PER ADULT
Up to 17 days £53
Up to 31 days £75
Add week £15
 

Insurance Premiums - Worldwide excluding North America

PERIOD PER ADULT
Up to 3 days £68
Up to 5 days £75
Up to 10 days £85
PERIOD PER ADULT
Up to 17 days £95
Up to 31 days £125
Add week £25
 

Insurance Premiums - Worldwide including North America

PERIOD PER ADULT
Up to 3 days £82
Up to 5 days £94
Up to 10 days £110
PERIOD PER ADULT
Up to 17 days £130
Up to 31 days £155
Add week £32
 
  • Infants under 3 years - free when travelling with an insured adult
  • Children aged under 19 years - half the standard adult premium when travelling with an insured adult.
  • Family rate:  1.5 x standard adult rate - 1 adult, with any number of their dependent children aged 18 years or less; 2.5 x standard adult rate - 2 adults, with any number of their dependent children aged 18 years or less. 
  • Person aged 66 to 69 years on issue - 1.8 times the base premium. (maximum duration 60 days)
  • Person aged 70 to 74 years on issue - 2.5 times the base premium (maximum duration 45 days)
  • Person aged 70 to 74 years on issue - 3 times the base premium (maximum duration 60 days)

All premiums shown are inclusive of the government imposed insurance premium tax currently at 20% and are valid for all policies issued up to 31/01/2018

Annual multi trip insurance

Insurance premiums including Insurance Premium Tax

POLICY EUROPE WORLDWIDE
Individual £130 £185
Couple £195 £270
  • For persons aged 66 to 69 years when travelling to Europe premiums x 2.3
  • For persons aged 66 to 69 years when travelling Worldwide premiums x 2.8
  • For persons aged 70 to 74 years when travelling to Europe premiums x 2.5
  • For persons aged 70 to 74 years when travelling Worldwide premiums x 3
  • Premiums valid for all policies issued in the 12 month period commencing 01/02/2017
  • Premium to include the cost of FCA regulation as an Appointed Representative of Campbell Irvine Ltd.
  • Premiums shown are for persons aged under 66 years of age at date of payment of the insurance premium.
  • Optional Extra Winter Sports Activities, contact us for prices.

Important Declaration

This is only a summary of cover, full details of the cover provided are shown on your policy document which will be sent to you once the appropriate insurance premium has been paid. When you receive your Policy Document and Policy Summary please read it carefully to ensure that you are happy with the cover provided, as this insurance is being sold to you on a Non Advised basis from a single insurer, UK General Insurance Ltd on behalf of Ageas Insurance Ltd. The Policy Document also contains details of our 14-day money back cooling off period and full details of how to make a claim. The Policy includes certain terms conditions, exclusions and excesses. In particular, cover is excluded for any defined pre-existing medical condition from which you or any person upon whom travel depends are suffering. If in doubt please contact our medical helpline in confidence on 01702 427179 as additional cover may be purchased directly from the insurer's medical screening helpline for certain pre-existing medical conditions. Should you wish a specimen, a copy will be made available prior to purchase upon request or alternatively a copy may be downloaded from our website.

Saddle Skedaddle Limited is an Appointed Representative of Campbell Irvine Ltd. Campbell Irvine Ltd are authorised and regulated by the Financial Conduct Authority. This can be checked on the FCA's register by visiting the FCA's website at www.fca.org.uk or by contacting them on 0800 111 6768.

      Copyright © Saddle Skedaddle Ltd. All rights reserved.

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