BIBA Holiday Travel Insurance

Single and AnnualTrip Travel Insurance

BIBA Protect Travel Scheme

� Single and annual multi-trip cover with £10 million medical cover� Independent travel for all insured persons including children� No terrorism exclusion� A family policy can cover any number of dependent children under

the age of 18 years (23 years if in full time education)

� Infants aged 3 and under travel free� Many hazardous activities (eg scuba diving) are covered as standard� Single excess applies per family, per incident� Adults can be covered up to the age of:

– 85 years on a single trip policy

– 75 years on an annual multi-trip for Europe

– 70 years on an annual multi-trip policy for rest of the world� Up to the maximum age for winter sports� Up to 45 days any one trip, with unlimited trips, on an annual

multi-trip policy

� Option to increase from 45 days to 60 days stay on annualmulti-trip policy

� Pre-existing medical conditions can be considered, subjectto medical screening (telephone 0845 070 3593 to screen)

Excellent cover at the right price:

Broker stamp

Single Trip Travel – Example Prices

Single Trip Rating NotesWintersports = 140% of premiumsDelete Personal Baggage cover – deduct 15% from standard premium ratesDelete Personal Money – deduct 2.5% from standard premium rates

* Family defined as up to two adults residing at the same address for at least six months and all their dependent children under the ageof 18 years (23 years if in full time education) residing at the same address (and/or residing elsewhere in the United Kingdom if in full time education).

MAXIMUM AGE LIMIT 85 YEARS AT DATE OF ISSUEMAXIMUM TRIP DURATION = 31 DAYS for persons aged 71 years and overMAXIMUM TRIP DURATION = 365 DAYS for persons aged under 71 years

Medical Screening telephone number: 0845 070 3593(Monday – Friday 9am to 6.30pm, Saturday 9am – 5pm excluding public holidays)

Excess £40 PER Insured per incident (£80 per family per incident)

Area 2 Area 3 Area 2 Area 3Duration 18 to 50 yrs 51 to 64 yrs 18 to 50 yrs 51 to 64 yrs 18 to 50 yrs 51 to 64 yrs 18 to 50 yrs 51 to 64 yrs

1 – 5 11.51 16.11 27.55 38.57 20.71 29.00 49.59 69.43

6 – 10 14.10 19.74 33.22 46.51 25.38 35.53 59.80 83.72

11 – 17 17.02 23.82 39.30 55.02 30.63 42.88 70.74 99.04

18 – 23 21.07 29.50 48.62 68.07 37.92 53.09 87.52 122.52

24 – 31 28.36 39.71 61.59 86.22 51.05 71.47 110.86 155.20

Extra Week 6.00 8.40 12.97 18.15 10.79 15.11 23.34 32.67

Adults

Area 2 Area 3 ExtraChildrenDuration 18 to 50 yrs 51 to 64 yrs 18 to 50 yrs 51 to 64 yrs

1 – 5 25.89 36.25 61.99 86.79 6.90

6 – 10 31.73 44.42 74.75 104.66 8.46

11 – 17 38.29 53.60 88.43 123.80 10.21

18 – 23 47.41 66.37 109.40 153.16 12.64

24 – 31 63.81 89.34 138.57 194.00 17.02

Extra Week 13.49 18.89 29.17 40.84 3.60

Family

Couple/Single Parent Family

� Any number of children may be covered under afamily policy

� Infants aged 3 and under travel free

Whether you’re going on a weekend break or take several holidays inBelow are just a few examples of the value our product represents.

Annual Multi-Trip Travel – Example Prices

BIBA Protect Travel Scheme

Annual Multi-Trip Rating NotesIncrease Duration from 45 days to 60 days = 150% of premium (maximum age limit 70 years)Wintersports = 140% of premiumsDelete Personal Baggage cover – deduct 15% from standard premium ratesDelete Personal Money – deduct 2.5% from standard premium rates

* Family defined as up to two adults residing at the same address for at least six months and all their dependent children under the ageof 18 years (23 years if in full time education) residing at the same address (and/or residing elsewhere in the United Kingdom if in full time education).

MAXIMUM AGE LIMIT 75 YEARS AT DATE OF ISSUE FOR AREA 1 & 2, 70 YEARS FOR AREA 3 & 4MAXIMUM TRIP DURATION = 31 DAYS for persons aged 71 years and overMAXIMUM TRIP DURATION = 45 DAYS (60 days if additional premium paid) for persons aged 70 years and under

Excess £40 PER Insured per incident (£80 per family per incident)

Area 1 Area 218 to 64 yrs 65 to 70 yrs 71 to 75 yrs 18 to 64 yrs 65 to 70 yrs 71 to 75 yrs

Adults 46.53 93.06 139.59 48.41 96.82 145.23

Couple 72.07 167.51 251.26 77.55 174.28 290.46

Family 89.30 N/A N/A 96.35 N/A N/A

1 Parent Family 72.07 N/A N/A 77.55 N/A N/A

Child 30.24 N/A N/A 31.47 N/A N/A

Area 3 Area 418 to 64 yrs 65 to 70 yrs 71 to 75 yrs 18 to 64 yrs 65 to 70 yrs 71 to 75 yrs

Adults 76.77 153.53 N/A 78.02 156.04 N/A

Couple 111.23 276.36 N/A 113.00 280.87 N/A

Family 136.30 N/A N/A 139.43 N/A N/A

1 Parent Family 111.23 N/A N/A 113.00 N/A N/A

Child 49.90 N/A N/A 50.71 N/A N/A

� Up to 45 days any one trip, with unlimited trips,on an annual multi-trip policy

� Single and annual multi-trip cover with £10 millionmedical cover

Area DefinitionsArea 1United Kingdom (Great Britain,Northern Ireland, the Isle of Manand the Channel Islands)

Area 2Algeria, Andorra, Armenia, Austria,Azores, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Canary Islands,Channel Islands, Croatia, CzechRepublic, Denmark, Egypt, Eire,England, Estonia, Faroe Islands,Finland, France, Georgia, Germany,Greece, Hungary, Iceland, Israel, Isle ofMan, Italy, Latvia, Liechtenstein,Lithuania, Luxembourg, Macedonia,Madeira, all islands in theMediterranean sea, Moldova, Monaco,Morocco, Netherlands, NorthernIreland, Norway, Poland, Portugal,Romania, Russia (west of the Urals),San Marino, Scotland, Serbia andMontenegro, Slovakia, Slovenia, Spain,Sweden, Switzerland, Tunisia, Turkey,Ukraine (west of the Ural mountains),Vatican City,Wales

Area 3Worldwide excluding USA, Canada,Caribbean Islands and Mexico

Area 4Worldwide

a year, ask your broker for a competitive quote.

Summary of Benefits

Cover Limit Excess*Medical and Other Expenses1. Journeys Outside the United Kingdom £10,000,000 £40 per person (£80 per family)

2. Journey within the United Kingdom £10,000 £40 per person (£80 per family)

UK Hospital transfer and additional costs and expenses1. Hospital Transfer Costs £5,000 £40 per person (£80 per family)2. Return Home Costs £2,500 £40 per person (£80 per family)

3. Additional Expenses £500 £40 per person (£80 per family)

Cancellation or Curtailment £5,000 £40 per person (£80 per family)

(£15 per person for loss ofdeposit or £45 per family)

Personal Accident £25,000(£1,000 for personsaged under 16 years)

Personal Baggage £2,000 (Limited to £40 per person (£80 per family)(if shown as included on policy certificate) £400 for valuables,

£400 per singlearticle, pair or set)

Personal Money(if shown as included on policy certificate) £500 £40 per person (£80 per family)

Loss of Passport £500 £40 per person (£80 per family)

Personal Liability £2,000,000 £40 per person

Contingent Liability (Jet Bikes, Jet Skis) £2,000,000

Delayed Baggage £400

Travel Delay1. Compensation (£50 after 12 hours delay with £25 £400for each subsequent 12 hours delay up to Limit)

2. Cancellation (If Insured Person(s) wants to cancel £5,000after 24 hours delay on initial outward leg of Journey)

Missed Departure £1,000 £40 per person (£80 per family)

Hospitalisation/Unprovoked Assault/ £1,000 £40 per person (£80 per family)Hijack and Kidnap Benefit

Catastrophe £500 £40 per person (£80 per family)

Loss of Pet Documentation £500 £40 per person

Seat Bumping £200

Legal Expenses £50,000(Underwritten by DAS Legal ExpensesInsurance Company Ltd)

Optional Winter Sports Extension

Ski Equipment (£300 limit on hired ski equipment £750 £40 per person (£80 per family)£500 per article, set or pair)

Ski Equipment Hire Charges £400

Piste Closure (Limited to 15th November to 15th April, £300per day limits apply)

Unused Ski Pack £500

*Limited to £40 per Insured Person (£80 per family) per claim incident irrespective of the number of sections involved

Founded in 1879, TokioMarine &Nichido is recognised asJapan’s oldest and largest property, casualty andmarine insurer.

TokioMarine has an international network of worldwide officessituated across Europe, the Americas, theMiddle East, Asia andOceania. TokioMarine Europe Insurance Limited is the Europeanarm of the group, with offices located in the UK, France, Spain,Belgium, The Netherlands, Germany and Italy.

With customer trust as the foundation of all our activities weare committed to the promotion of social and economic progressthrough providing safety and security.

• Rated AA for financial strengthby Standard and Poor’s• Over 100 years of providingsuperior insurance solutions• Premium income of over $19 billion• Offices in over 40 countries• Over 24,000 staff

www.tokiomarine.co.uk

Member of the Association of British InsurersAuthorised and regulated by the Financial Services Authority Firm Reference Number 202574Registered Office: 150 Leadenhall Street, London EC3V 4TE Registered Number: 989421 EnglandLegal Expenses is underwritten by DAS Legal Expenses Insurer

Underwritten by

150 Leadenhall StreetLondon EC3V 4TETel. +44 (0)20 7283 8844Fax.+44 (0)20 7398 2940