24book on- line atcampingandcaravanningclub. co. uk/ travelabroad With all the help to plan your holiday from the Carefree travel specialists you may think nothing could go wrong while you are away. However, even the most carefully planned holiday can be upset by an unexpected mishap, and the cost of travelling without adequate insurance can be high. Not only financially but in disruption and inconvenience to your holiday. Some travellers rely on the European Health Insurance Card ( previously known as the E111) for all their medical needs. While a European Health Insurance Card will avoid the medical excess if you claim, it cannot provide all of the cover you need, such as additional accommodation and travel costs or emergency repatriation home. Nor will you necessarily be covered for the country you intend to visit. It pays to protect yourself with a policy which will provide practical help when you most need it. With this in mind we provide, with Europ Assistance, one of the world's largest assistance organisations, continental motoring breakdown cover, as well as personal travel and emergency medical insurance. Holiday cover Carefree and Europ Assistance– more than 35 years of service to Club members Motoring and Personal travel insurance The Europ Assistance policy is designed to provide an assistance service which will enable you to continue your holiday, wherever possible. So, if your car breaks down and cannot be repaired within eight hours, they'll organise a hire car or arrange alternative accommodation. In the unlikely event that you require assistance, a call to Europ Assistance's 24- hour emergency line is all it takes to put a team of multi- lingual co- ordinators, doctors, nurses, legal advisors and travel consultants into action. Furthermore, Europ Assistance will pay all insured expenses direct to the supplier, so there's no need to worry about paying and reclaiming emergency costs. Europ Assistance has an unrivalled overseas network of offices and agents, covering over 200 countries worldwide and assisting millions of travellers each year. So, wherever you spend your holiday you can relax in the knowledge that you are backed by Europ Assistance. Europ Assistance Holdings Ltd are authorised and regulated by the Financial Services Authority. The Camping and Caravanning Club are Appointed Representatives of Europ Assistance. Club member Cheryl Wilkes being repatriated from Portugal in spring 2008, after a fall on holiday

Holiday cover Low season touringp38- 41 European escorted toursp142- 147 Worldwide travelpi- xix25 Single Trip Cover There is a range of single trip policies to cover you for various durations from one day to 91 consecutive days. If travelling for longer than 91 consecutive days in one trip please see Multi- Trip and Long Stay Cover. Multi- trip Cover If you can get away several times in a 12- month period this is your best choice. Cover is available for up to 183 days over a 12- month period. You can take as many trips as you like of any duration so long as you never exceed 183 days in total over the 12 months. This insurance also includes a full 365 days UK roadside assistance package when taking journeys in the UK. Please note that the policyholder must always accompany all other passengers who must be named when booking. Long Stay Cover Cover is available for a 12- month period. Within this period you may make any number of trips of any duration, or one long stay trip lasting the whole period. Please note that the policyholder must always accompany all other passengers who must be named when booking. Worldwide Personal Cover We also have a wide range of different insurances for members travelling outside of Europe, so if you're travelling to faraway destinations then please ask us for details. Supercover benefits This is available for cars and motorhomes under ten years old at the date of departure of your trip, and is subject to the Supercover premium being paid. You should consider upgrading to the Supercover benefit levels if: you are driving a large car with a large party; or, you are travelling a long distance; or, you plan to be away for more than a week. If you lose the use of your own vehicle in the week before you travel you can rest assured that we will hire a replacement without you having to contribute substantial amounts yourself. Eligible vehicles Any private car, motor cycle exceeding 120cc capacity, motorised caravan, light van, minibus or 4x4 sport utility vehicle, together with any towed caravan or trailer of proprietary make, all 20 years old or less, ( vehicles over 10 years are subject to a supplement. Caravans must carry a spare tyre. Supercover is limited to towing vehicles under 10 years old); not exceeding ( including any load carried) GVW 4,250kgs, height 3.4m, length 8.0m, width 2.5m; not carrying more than the number of persons recommended by the manufacturer, and for whom seats are provided ( with an overall maximum of 8 including the driver). Countries covered Motoring, Personal, Multi- Trip, Long Stay Andorra, Austria, Balearics, Belgium, Bulgaria, Canary Islands, Channel Islands, Corsica, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Faroe Islands, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland ( not covered as a destination for residents of Ireland), Isle of Man, Italy, Latvia, Money back guarantee You have the right to cancel any policy of insurance within 14 days of the date of issue or receipt of the terms and conditions, whichever is later. We will refund to you any premium you have paid and will recover from you any payments we have made. IMPORTANT – strict medical health requirements You must comply with the following conditions in order to have full protection under this policy. If You do not comply We may, at Our option, cancel the policy, refuse to deal with Your claim or reduce the amount of any claim payment. This insurance operates on the following basis: 1To be covered, You must be healthy, fit to travel and to undertake Your planned Trip; 2The 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); 3The insurance will NOT cover You when You are travelling with the intention of obtaining medical treatment or consultation abroad. 4The 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.) No claim arising directly or indirectly from a Pre- existing Medical Condition affecting You will be covered unless: ? You have declared that condition to Us; and ? You have declared any changes in Your health or prescribed medication; and ? We have accepted that condition for insurance in writing. Each Insured Person who has a Pre- existing Medical Condition must make a Medical Health Declaration before each Period of Insurance and, if there are any changes in Your health or prescribed medication, prior to commencement of the period insurance or departing on any Trip. Failure to declare all Pre- existing Medical Condition that is relevant to the insurance may invalidate the policy. We may require You to obtain a medical report from Your General Practitioner or Consultant in order to assess whether cover applies. Any costs incurred in obtaining this medical report shall be borne by You. Based on Our assessment of the medical information supplied to Us, We will decide whether or not the person is suitable for insurance, if certain exclusions or restrictions should be imposed, or if cover can be offered subject to the payment of an additional premium. If We offer cover and if the cover is subject to the payment of an additional premium, cover will not commence until full payment has been received by Us and written confirmation has been provided by Us. To declare a Pre- existing Medical Condition or a change in Your state of health or prescribed medication, You should contact the Medical Screening Helpline during office hours on: 0870 737 5676. This policy will NOT cover any claims under Section 6 ( Cancellation, Curtailmentor Trip Interruption) arising directly or indirectly from a Pre- existing Medical Condition, knownto You prior to the commencement of the Period of Insurance, affecting any Close Relative, travelling companion or person with whom You intend to stay whilst on Your Trip: ? for which they have required surgery, inpatient treatment or hospital consultations, or have been prescribed medication or undergone any treatment during the 90 days immediately prior to the commencement of the Period of Insurance; or ? if they were on a waiting- list for, or have knowledge of the need for, surgery, inpatient treatment or investigation at any hospital or clinic at the commencement of the Period of Insurance; or ? if a terminal diagnosis had been received prior to the commencement of the Period of Insurance. You should also refer to the General Exclusions. Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Orkney and Shetland Islands, Poland, Portugal, Romania, San Marino, Sardinia, Sicily, Slovakia, Slovenia, Spain, Sweden, Switzerland and Turkey ( Turkey in Europe plus Üsküdar). Motor cover for Tunisia and Morocco is available but Personal Cover will be at World Wide rates, which are available on apllication. Please note that an additional premium is payable for Spain ( including the Balearic Islands) and Portugal ( including the Azores and Madeira) as shown in the price panel on page 27. All other countries are covered under our World Wide policy for personal insurance cover only. Please ask for details. Save money – take motoring and personal insurance together Overleaf you will find prices for motoring if taken on its own and also lower prices for motoring if taken with personal insurance. The savings can be quite significant. Insurance Premium Tax ( IPT) All prices include IPT at the rate of 17.5% for personal elements and 5% for vehicle elements. Insurance policy Your insurance policy will be sent to you straight away with your holiday booking confirmation invoice.