Premiums shown within the brochure for single trip policies are for persons aged up to and including 69 years at the date of departure (except Winter Sports trips where there is a higher premium for persons aged 65 to 69 years inclusive).  When booking on-line, for persons aged up to and including 79 years, the correct fee will automatically be calculated at the time of booking.  For persons aged 80 to 89 years inclusive, premiums are subject to request.

If you are not happy with this policy, you may cancel it within 14 days of the date of issue by emailing travel@solos.co.uk with your Booking Number or calling our Reservations team on 0844 815 0005, provided there has been no claim made or travel undertaken. We reserve the right to contact you to confirm the cancellation. For further information, please contact us on the same telephone number.

This insurance carries Health Restrictions so you should inform Rock Insurance Services of any medical conditions or material facts that may affect the Underwriters acceptance of your cover. Please therefore telephone Rock Insurance Services on 0844 482 0660 to inform them if anyone to be covered by this policy or any person upon whose health the trip depends:
a) Has a pre-existing or on-going medical condition
b) Is taking any prescribed medication
c) Has or has had any condition still requiring periodic review
d) Is awaiting any tests, treatment, investigation, referral or the results of the same. Failure to notify them may cause your circumstances to fall within a policy exclusion.

You must comply with the following conditions in order to have full protection under this policy. If You do not comply We may cancel the policy, refuse to deal with Your claim or reduce the amount of any claim payment. This insurance operates on the following basis:

1. To be covered, You must be healthy, fit to travel and to undertake Your planned Trip;
2. The insurance will NOT cover You when You are travelling against the advice of a Medical Practitioner (or would be travelling against the advice of a Medical Practitioner had You sought his/her advice);
3. The insurance will NOT cover You when You are travelling with the intention of obtaining medical treatment or consultation abroad;
4. The insurance will NOT cover You if You have any undiagnosed symptoms that require attention or investigation in the future (that is symptoms for which You are awaiting investigations/consultations, or awaiting results of investigations, where the underlying cause has not been established).
 
Please note that there are restrictions in this policy relating to Pre-existing medical conditions.  Please refer to the Important Health Requirements section of your policy for a list of these restrictions.

This policy will NOT cover any claims under Section 6 (Cancellation, Curtailment or Trip Interruption) arising directly or indirectly from any Pre-existing Medical Condition, known to You prior to the commencement of the Period of Insurance affecting any:
• Close Relative who is not travelling as an Insured Person under this policy; or
• travelling companion or business associate who is not insured under this policy; or
• person with whom You intend to stay whilst on Your Trip.

We would like to draw Your attention to important features of Your policy including:

Emergency Medical Expenses: This policy is NOT a Private Medical Insurance policy, and does not provide cover for procedures that can be carried out in Your country of residence after repatriation or for any medical expenses incurred in private facilities if a medically suitable State facility is available.

Material Facts: You must declare to Us all ‘Material Facts’ that are likely to affect this insurance. Failure to do so may prejudice entitlement to claim. If You are uncertain as to whether a fact is material, You should declare it to Us by calling Our Travel Helpline (please refer to the definition of a ‘Material Fact’ in the Meaning of Words section of the policy wording).

Health: This policy contains restrictions regarding Pre-existing Medical Conditions.  These are detailed in the Important Health requirements section of the policy.

Changes in Health or Medication: You must contact Us and declare any changes in Your health or medication that occur between the date You take out this policy and the date You start any Trip.

Cancellation, Curtailment & Trip Interruption cover: It is important to note that the policy contains conditions and exclusions in relation to non-insured travelling companions, Close Relatives or persons with whom You intend to stay whilst on Your Trip, in the event of any need to cancel, curtail or interrupt a trip as a result of changes in their health. Please refer to the ‘Important Limitations - Cancellation, Curtailment & Trip Interruption Cover’ section for full details.

Special Sports & Activities: This policy specifically excludes participating in or practicing for certain sports and activities. If You are going to take part in special sports and activities where there may be a high risk of injury or if You are in any doubt as to whether cover will apply, please call the Travel Helpline.

Trip Limits: This policy contains strict limits on the length of time You can spend travelling abroad on each Trip. Please refer to the definition of  the ‘Trip’ in the Meaning of Words section of the policy wording. IF YOU TRAVEL FOR MORE THAN THE NUMBER OF DAYS FOR WHICH YOU HAVE PAID FOR COVER, YOU WILL NOT BE COVERED AFTER THE LAST DAY FOR WHICH YOU HAVE PAID. Trips must commence and end in the UK Area and a return ticket must have been booked prior to departure.

Medical Emergency: In the event of a medical emergency You must contact Us as soon as possible. You MUST contact Us before incurring expenses in excess of £500, except in case of emergency. If You are physically prevented from contacting Us immediately, You or someone designated by You must contact Us within 48 hours.

Pregnancy and Childbirth: Cover under this policy is provided for unforeseen events. In particular, cover is provided under Section 2 for unforeseen bodily injury or illness. Pregnancy and Childbirth are not considered to be either an illness or injury. For the avoidance of doubt, please note that cover is ONLY given under Sections 2, 4, 5 and 6 of this policy for claims arising from Complications of Pregnancy and Childbirth. Please make sure You read the definition of Complications of Pregnancy and Childbirth given under the Meaning of Words in the policy wording.

Third Party Liability: If You use any form of mechanically propelled vehicle (e.g. car, motor-cycle, moped or scooter), sail or powered boat, or an airborne craft, no liability cover will apply under this policy and You must ensure You have cover for third party injury or property damage in place.

Personal Possessions: While this policy provides cover for Your Personal Luggage, if You are planning to take expensive items such as sophisticated photographic equipment, jewellery and other Valuables with You then You should check that You have adequate personal possessions cover, under a home contents insurance. Personal Luggage claims are paid based on the value of the goods at the time they are lost and not on a ‘new for old basis’ or replacement cost basis; thus deduction is made for wear, tear and depreciation. Payment of any claims in respect of any one article or Pair or Set of articles will be limited to £50 unless satisfactory proof of ownership is submitted. Evidence of replacement value is not sufficient.

Policy Limits: Most sections of Your policy have limits on the amount the Insurer will pay under that section. Some sections also include other specific limits, e.g. for any one item or for Valuables in total. You are advised to check Your policy.

Policy Excess: Under most sections of the policy, claims will be subject to an excess. This means that You will be responsible for paying the first part of the claim up to the excess value per Insured Person each and every incident. A definition of ‘Policy Excess’ is in the Meaning of Words in the policy wording.

Reasonable Care: You will need to take all reasonable care to protect Yourself and Your property, as You would if You were not insured.

The Financial Services Authority (FSA) is the independent regulator of financial services. Use this information to decide if our services are right for you.

SOLO'S HOLIDAYS LTD  is an appointed representative of ITC Compliance Limited which is authorised and regulated by the FSA (their registration number is 313486) and which is permitted to advise on and arrange general insurance contracts. You WILL NOT receive advice or a recommendation from us for travel insurance. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed. It is an offence for a firm to sell Insurance unless it has the relevant permission from the Financial Services Authority.  Before you purchase your travel insurance you should check this status with your travel agent. Travel insurance is as essential as your passport or your visa.

Solo's Holidays Ltd only offer insurance from a limited number of insurers. A List of these insurers is available on request. No additional fees will be charged for this service.

We always aim to provide a first class service, however if you have any cause for complaint any enquiry in the first instance should be addressed in writing to The Compliance Officer, ITC Compliance Limited, at Charnwood House, Marsh Road, Bristol, BS3 2NA. Should you remain dissatisfied you have the right to ask the Financial Ombudsman Service to review your case. You should write to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone 0845 080 1800. You may be entitled to compensation should we be unable to meet our liabilities as an insurance intermediary under the Financial Services Compensation Scheme. Your entitlement to compensation will depend upon the type of business and the circumstances of your claim.

Details of ITC Compliance Limited’s authorisation (including their authorised number 313486) can be confirmed by contacting the FSA on 0845 606 1234 or by visiting the FSA’s website www.fsa.gov.uk/register.

Travel Insurance

This travel insurance policy will suit the Demands and Needs of an individual, or group (where applicable) who have no excluded pre-existing medical conditions, are travelling to countries included within the policy terms and who wish to insure themselves against the unforeseen events detailed in the cover section below. Subject to terms and conditions and maximum specified claim limits.

Supplier Failure Insurance

This type of insurance will suit the Demands and Needs of an individual or group (where applicable) wishing to insure themselves against unforeseen costs arising out of the financial failure (insolvency) of one or more component parts of their trip/tour (subject to specified terms, conditions and claim limits).

You may already possess alternative insurance(s) for some or all of the features and benefits provided by products purchased; it is your responsibility to investigate this. We will not provide you with advice about the suitability of this product for your individual needs but we will be happy to provide you with factual information to assist you in making an informed buying decision.

All policies have exclusions and restrictions to them. It is very important that you read and understand these and only purchase the policy if you are happy that you and (where applicable) every member of your party meet the eligibility criteria: Specifically for travel our policy may NOT be applicable for you if:

• You are over the maximum specified age at the time of your trip
• You have pre-existing medical conditions

Examples of these and other conditions and restrictions and what to do if you are unsure about any aspect of an exclusion are contained within your policy information.

If after purchasing a policy should you find it does not meet your requirements you have 14 days from the date of issue, or prior to travel (whichever is sooner) to cancel the policy.

If you do decide to cancel your money will be refunded in full, provided no claims have been made or incident likely to give rise to a claim has arisen.

Travel policies will not cover travel to areas where the Foreign and Commonwealth Office has advised against 'all travel'. If you are not sure whether there is a travel warning for your destination, please check with the Foreign and Commonwealth Office (phone 020 7008 0232 or 0233 or visit their website at www.fco.gov.uk).

It is your responsibility to do this and no information or guidance will be provided by ourselves in this regard.