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UK Insurance

You're taken care of with policies that cover you even if you are out driving, mountain biking, windsurfing or just relaxing on the beach.

(Exclusion for certain medical conditions apply, please call 0345 604 3800 for details. Terms and conditions apply, see policy here for full details.)

Call 0345 604 3800 to arrange cover today

Summary of cover

Here's a summary of the main cover limits. You can find full terms and conditions in the main policy document.

Personal travel insurance
Motor breakdown insurance
Premium per property
  • Medical expenses
  • Hospital benefits
  • Personal possessions
  • Single article limit
  • Valuables limit
  • Personal money
  • Personal accident
  • Personal liability
  • Additional expenses
  • £2,500
  • £600
  • £1,500
  • £250
  • £250
  • £500
  • £15,000
  • £2m
  • £1,000
  • Cover before you leave
  • - - Breakdown assistance
  • - - Replacement vehicle
  • Emergency roadside repairs
    and getting to the garage
  • Getting you home or continuing
    your journey
  • Chauffeur hire
  •  
  • £300
  • £1,600
  •  
  • £300
  •  
  • £1,600
  • £1,600
  • Two nights
  • Three nights
  • Four nights
  • Up to seven nights
  • Nine nights
  • 10 nights
  • Additional week
  • Additional night
  • £18.00
  • £22.00
  • £27.00
  • £32.00
  • £40.00
  • £44.00
  • £15.00
  • £4.00

Summary of cover

Our priority is peace of mind and a relaxing holiday for you and your family. We strongly encourage you to take out appropriate travel insurance. You can choose to purchase the wide ranging personal travel and motor breakdown cover we offer. For holidays in England, insurance is optional.

Insurer

This insurance is underwritten by AGA International SA and administered in the UK by Allianz Global Assistance.

Information you need to tell us.

There is certain information that we need to know as it may affect the terms of the insurance cover we can offer you.

You must, to the best of your knowledge, give accurate answers to the questions we ask when you buy your insurance cover. If you do not answer the questions truthfully it could result in your policy being invalid and could mean that all or part of a claim may not be paid.

If you think you may have given us any incorrect answers, or if you want any help, please call Wyndham Vacation Rentals (UK) Ltd on 0845 604 3800 as soon as possible and we will be able to tell you if we can still offer you cover.

Policy document

The policy wording gives you full details of what is and what is not covered and what to do if you need to claim. It is very important that you read the whole of this policy before you travel and make sure the cover is suitable for you. Please make sure that you take it on holiday with you in case of an emergency. A copy of the policy wording is available on request, if you would like to see it before booking.

Policy limits

Each section of the policy shows the most you can claim but other limits may apply. For example, under the Personal Possessions Section there are other specific limits for any one item and for valuables (including photographic equipment). If you intend to take expensive items with you, please check that you are fully covered.

Conditions and exclusions

Your policy does not cover all possible events and expenses. There are conditions and exclusions that apply to individual sections of the policy, and general conditions and exclusions that apply to the whole policy.

Health exclusion

If you have an existing medical condition, you must ask your doctor if it is safe for you to travel to your chosen destination. In the event of a claim, you will need to get your doctor to confirm in writing that at the time your policy was issued your condition was stable, that you were fit to travel and there was no sign that your condition would get worse. You will not be covered if you travel against the advice of your doctor, have a terminal condition, are on a waiting list for treatment as a hospital patient, are undergoing investigations or tests or have a diagnosed psychiatric disorder.

Hazardous activities

If you are going to take part in any hazardous sports or activities, you should check that the policy covers you.

Policy excess

Under some sections of your policy, you will have to pay an excess. This means that you will be responsible for paying the first part of the claim for each person insured, for each section, for each incident. The amount you have to pay is the excess.

Making a complaint

The policy contains a complaints procedure which tells you what steps you can take if you wish to make a complaint, and who to contact.

*Combined insurance

The insurance provides personal travel insurance for all people in your party travelling and staying in the same property and also includes motor breakdown insurance for the vehicles used to reach your destination. The premium is per property. The vehicle must be less than 15 years old. All details correct as at the date of print but subject to change without notice. All premiums include Insurance Premium Tax at the current rate.

Please note: Our UK holiday insurance does not apply to holidays taken to the Channel Islands. If you are travelling to the Channel Islands please call for details of our overseas travel insurance which does apply to these holidays.

Wyndham Vacation Rentals (UK) Ltd is authorised and regulated by the Financial Conduct Authority to deal in and arrange insurance. Wyndham Vacation Rentals (UK) Ltd’s Registration number is 312463. Details about our regulation by the Financial Conduct Authority are available from us on request.

Cancellation rights

If your cover does not meet your requirements, please return the documentation within 14 days of receipt and your premium will be refunded in full unless you have travelled, made a claim or intend to make a claim.

Overseas Insurance

You're taken care of with policies that cover you even if you are out driving, mountain biking, windsurfing or just relaxing on the beach.

(Exclusion for certain medical conditions apply, please call 0345 604 3800 for details. Exclusions for party members aged over 85 and Terms and conditions apply, see policy here for full details.)

Call 0345 604 3800 to arrange cover today

Summary of cover

The following is only a summary of the main cover limits and you should read the policy document for the full terms and conditions.

Note: Some sections of cover also have extra sub limits, for example the personal possessions section has a single article and valuables limit.

Please note there is an additional premium for the Motor Breakdown (Vehicle) Insurance, please see premiums below.

The maximum aggregate amount for Motor Breakdown cover shall not exceed £2,500. Please note there is an additional premium for the Motor Breakdown (Vehicle) Insurance, please see premiums below.

Personal Travel Insurance cover
Motor Breakdown Insurance

Personal travel insurance
Motor breakdown insurance
 
  • Cancellation or curtailment
  • Emergency medical & associated expenses
  • Loss of passport
  • Delayed personal possessions
  • Personal possessions
  • Personal money
  • Personal accident
  • Missed departure or connection
  • Delayed departure
  • - - delay
  • - - abandonment
  • Personal liability
  • Additional expenses
  • - - beach closure
  • - - catastrophe
  • - - holiday disturbance
  • Legal expenses
  • Prevention of cruising
  • Pet care
  • Winter Sports cover
  • - - Ski pack
  • - - Ski equipment
  • - - Piste closure
  • Final invoice cost
  • £5m
  • £500
  • £100
  • £1,500
  • £500
  • £15,000
  • £500
  •  
  • £100
  • £5,000
  • £2m
  •  
  • £75
  • £1,000
  • £1,000
  • £25,000
  • £1,500
  • £200
  •  
  • £300
  • £500
  • £250
  • Cover before you leave
  • - - Breakdown assistance
  • - - Replacement vehicle
  • Emergency roadside repairs
    and getting to the garage
  • Getting you home or continuing
    your journey
  • Spare parts delivered for
    essential repairs
  • Personal possessions
  • Getting the vehicle back
  • Collecting the vehicle from
    Continental Europe
  • If there is no qualified driver available
    for the insured vehicle
  •  
  • £500
  • £1,600
  •  
  • £500
  •  
  • £1,600
  •  
  • All reasonable costs
  • £500
  • All reasonable costs
  •  
  • All reasonable costs
  •  
  • All reasonable costs
  • Chauffeur hire
  • loss or damage to
    your tent
  • Home car hire
  • Essential telephone costs
  • £1,600 in total
  •  
  • £400
  • £150
  • £10
THE MAXIMUM AGGREGATE AMOUNT PAYABLE FOR PREVIOUS SECTIONS IS £3,000
  • Customs duty cover
  • Guarantee of Spanish bail bond
  • Legal advice and expenses
  • Missed Motorail connection
  •  
  • General average indemnity
  • £2,000
  • £1,000
  • £20,000
  • £750 (per insured person)
  • £2,000
Premiums
Nights Adult Child 4-18 years Family Vehicle inc baggage Family & vehicle inc baggage Days
Up to 5 £14.50 £7.50 £36.00 £24.50 £53.00 6
7 £23.50 £12.00 £58.50 £40.00 £87.00 8
14 £30.50 £15.50 £75.50 £46.00 £106.00 15
Additional week £7.00 £3.50 £17.00 £6.00 £19.50

Children under 4 are covered free. Child rate applicable for ages 4 -18 when accompanied by an adult. Family = 2 adults and all their children age 4-18. Vehicle must be less than 15 years old. All premiums include Insurance Premium Tax at the current rate.

Your Travel Insurance

Our priority is peace of mind and a relaxing stay for you and your family. We strongly advise that you take out appropriate insurance. You may choose to purchase the wide-ranging and competitive personal travel and/or motor breakdown cover we offer. For overseas bookings, it is a condition of booking that customers have personal travel insurance. If you purchase travel insurance separately you must provide details of your own policy and this must offer at least equal benefits to the policy we offer.

Insurer

This insurance is underwritten by AGA International SA and administered in the UK by Allianz Global Assistance.

Telling us about relevant facts

Before you travel you must tell us about anything that may affect your cover, for example an existing medical condition. If you do not tell us about something that may be relevant, your cover may be refused and we may not cover related claims.

Policy document

The policy wording gives you full details of what is and what is not covered and what to do if you need to claim. It is very important that you read the whole of this policy before you travel and make sure the cover is suitable for you. Please make sure that you take it on holiday with you in case of an emergency. A copy of the policy wording is available on request, if you would like to see it before booking.

Policy limits

Each section of the policy shows the most you can claim but other limits may apply. For example under the Personal Possessions Section there are other specifi c limits for any one item and for valuables (including photographic equipment). If you intend to take expensive items with you please check that you are fully covered.

Conditions and exclusions

Your policy does not cover all possible events and expenses. There are conditions and exclusions that apply to individual sections of the policy and general conditions and exclusions that apply to the whole policy.

1. Have you, or anyone travelling with you, ever had treatment for:

  • any heart or circulatory condition
  • a stroke or high blood pressure
  • a breathing condition (including asthma)
  • any type of cancer
  • any type of diabetes

2. In the last two years - have you, or anyone who is travelling with you, been treated for any serious or re-occurring medical condition, asked to take regular prescribed medication, or referred to a specialist or consultant at a hospital for tests, diagnosis or treatment?

If you have answered `Yes' to any of the above questions you must tell the insurers using their help line.

You must also tell the insurers if you are waiting for tests or treatment of any description; or your doctor alters your regular prescribed medication.

PLEASE NOTE - Insurers are unable to provide cover for:

  • psychological conditions such as stress, anxiety, depression, eating disorders or mental instability.
  • any claim arising from a known pre-existing medical condition of a close relative or a close business associate or any recognised complication caused by the pre-existing medical condition.

Hazardous activities

If you are going to take part in any hazardous sports or activities you should check that the policy covers you.

Policy excess

Under some sections of your policy, you will have to pay an excess. This means that you will be responsible for paying the first part of the claim for each person insured, for each section, for each incident. The amount you have to pay is the excess.

Cancellation rights

If your cover does not meet your requirements, please return the documentation within 14 days of receipt and your premium will be refunded in full unless you have travelled, made a claim or intend to make a claim.

cottages4you is a trading name of Wyndham Vacation Rentals (UK) Ltd, Spring Mill, Stoney Bank Road, Earby, Barnoldswick, Lancashire, UK. Wyndham Vacation Rentals (UK) Ltd is authorised and regulated by The Financial Conduct Authority (FCA) to deal in and arrange insurance. The Wyndham Vacation Rentals (UK) Ltd FCA registration number is 312463. You can check this information on the FCA's register by visiting the FCA's website www.fca.org.uk

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