Insurance cover only protects against unforeseen circumstances and events. It does not apply to any claim where the circumstances giving rise to the claim are known to the insured person beforehand (i.e. the circumstances are pre-existing).
Issuing of Travel Insurance by Galina
Galina request insurance premiums to be paid no later than when the balance of the tour price is due. Up to that point if one of your members’ drops out you should refund them any monies paid to you and seek a replacement if that is possible.
You can if you wish pay the insurance premium earlier (even with the deposit) so that your members are covered at an early stage in the proceedings. t the time the insurance premium is forwarded, we must receive a full list of all members travelling as the policy will not be regarded as valid by the insurers without such a list.
When you receive the insurance certificates you must distribute them to your members well before they go on the tour so that they all have the opportunity to read the terms, conditions and exclusions of the policy and if they decide that the policy is inappropriate for them, return it to us.
It is not sufficient to hand out policies on the coach on the day you are travelling or at a point where it would be unreasonable to assume that an individual would have time to read the policy, decide it was not appropriate and arrange an alternative.
The principles which apply and which will insulate you from any repercussions are (a) you must provide your members with the opportunity to read the policy and (b) you must draw your members’ attention to the fact that the policy has terms, conditions and exclusions which they should read to make sure the policy is appropriate to them.