travel insurance travel insurance

Our insurance is so wide-ranging it even covers you before you leave home.
And with prices from just £18.00 per party*, real peace of mind has never been more affordable.

Our insurance is so wide-ranging it even covers you before you leave home. And with prices from just £23.50 per person, per week, real peace of mind has never been more affordable.

Choose your
destination

  • UK
  • Overseas
  • Overseas
  • Overseas2014

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.
(Terms and conditions apply, see policy for full details.)

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(per person limit)

  1. £2,500Medical expenses
  2. £600Hospital benefits
  3. £1,500Personal possessions
  4. £250Single article limit
  5. £250Valuables limit
  6. £500Personal money
  7. £15,000Personal accident
  8. £5mPersonal liability
  9. £1,000Additional expenses

Motor breakdown insurance(per vehicle limit)

  1. Cover before you leave
  2. £300-Breakdown assistance
  3. £1,600-Replacement vehicle
  4. Emergency roadside repairs
  5. £300and getting to the garage
  6. Getting you home or continuing
  7. £1,600your journey
  8. £1,600Chauffeur hire

Premiums(per party)

  1. £18.00For short breaks of two nights
  2. £22.00For short breaks of three nights
  3. £27.00For short breaks of four nights
  4. £32.00Up to seven nights
  5. £40.00Nine nights
  6. £44.0010 nights
  7. £15.00Additional week
  8. £4.00Additional night

Your Travel Insurance

Our priority is peace of mind and a relaxing holiday for you and your family. We strongly advise that you take out appropriate travel insurance.

You can choose to purchase the wide ranging and competitive personal travel and motor breakdown cover we offer. For holidays in England, Scotland and Wales, insurance is optional.

Important information about personal
travel and motor breakdown insurance…

Insurer

This insurance is underwritten by Travellers Insurance Facilities plc and insured by Union Reiseversicherung AG, UK Branch.

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 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.

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.

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 time of publishing but subject to change without notice. All premiums include Insurance Premium Tax at the current rate. Please note: Our UK travel insurance product does not apply to bookings made in Jersey. If you are travelling to Jersey please call for details of our overseas travel insurance which does apply to bookings for Jersey.

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’s 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

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.)

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(per person limit)

  1. £2,500Medical expenses
  2. £600Hospital benefits
  3. £1,500Personal possessions
  4. £250Single article limit
  5. £250Valuables limit
  6. £500Personal money
  7. £15,000Personal accident
  8. £2mPersonal liability
  9. £1,000Additional expenses

Motor breakdown insurance(per vehicle limit)

  1. Cover before you leave
  2. £300-Breakdown assistance
  3. £1,600-Replacement vehicle
  4. Emergency roadside repairs
  5. £300and getting to the garage
  6. Getting you home or continuing
  7. £1,600your journey
  8. £1,600Chauffeur hire

Premium per property

Combined insurance premium

  1. £18.00For short breaks of two nights
  2. £22.00For short breaks of three nights
  3. £27.00For short breaks of four nights
  4. £32.00Up to seven nights
  5. £40.00Nine nights
  6. £44.0010 nights
  7. £15.00Additional week
  8. £4.00Additional night

Your Travel Insurance

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.

Important information about personal
travel and motor breakdown insurance…

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.

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.
(Terms and conditions apply, see policy for full details.)

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.

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(per person limit)

  1. Final invoice costCancellation or curtailment
  2. £1000Supplier protection
  3. £5mEmergency medical & associated expenses
  4. £500Loss of passport
  5. £100Delayed personal possessions
  6. £1,500Personal possessions
  7. £500Personal money
  8. £15,000Personal accident
  9. £500Missed departure or connection
  10. Delayed departure
  11. £100-delay
  12. £5,000-abandonment
  13. £5mPersonal liability
  14. Additional expenses
  15. £75-beach closure
  16. £1,000-catastrophe
  17. £1,000-holiday disturbance
  18. £25,000Legal expenses
  19. £1,500Prevention of cruising
  20. £200Pet care
  21. Winter Sports cover
  22. £300-Ski pack
  23. £500-Ski equipment
  24. £250-Piste closure

Motor breakdown insurance(per vehicle limit)

  1. Cover before you leave
  2. £500-Breakdown assistance
  3. £1,600-Replacement vehicle
  4. Emergency roadside repairs
  5. £500and getting to the garage
  6. Getting you home or continuing
  7. £1,600your journey
  8. Spare parts delivered for
  9. All reasonable costsessential repairs
  10. £500Personal possessions
  11. All reasonable costsGetting the vehicle back
  12. Collecting the vehicle from
  13. All reasonable costsContinental Europe
  14. If there is no qualified driver available
  15. All reasonable costsfor the insured vehicle

 

  1. £1,600 in totalChauffeur hire
  2. loss or damage to
  3. £400your tent
  4. £150Home car hire
  5. £10Essential telephone costs

    THE MAXIMUM AGGREGATE AMOUNT PAYABLE FOR PREVIOUS SECTIONS IS £3,000

  1. £2,000Customs duty cover
  2. £1,000Guarantee of Spanish bail bond
  3. £20,000Legal advice and expenses
  4. £750 (per insured person)Missed Motorail connection
  5. £2,000General average indemnity
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

Travel Insurance Facilities plc and insured by Union Reiseversicherung AG, UK Branch (URV). URV are authorised in Germany by BaFin and subject to limited regulation in the United Kingdom by the Financial Services Authority and in the Republic of Ireland by the Insurance Regulator.

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’s 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

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.)

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(per person limit)

  1. Final invoice costCancellation or curtailment
  2. £5mEmergency medical & associated expenses
  3. £500Loss of passport
  4. £100Delayed personal possessions
  5. £1,500Personal possessions
  6. £500Personal money
  7. £15,000Personal accident
  8. £500Missed departure or connection
  9. Delayed departure
  10. £100-delay
  11. £5,000-abandonment
  12. £2mPersonal liability
  13. Additional expenses
  14. £75-beach closure
  15. £1,000-catastrophe
  16. £1,000-holiday disturbance
  17. £25,000Legal expenses
  18. £1,500Prevention of cruising
  19. £200Pet care
  20. Winter Sports cover
  21. £300-Ski pack
  22. £500-Ski equipment
  23. £250-Piste closure

Motor breakdown insurance(per vehicle limit)

  1. Cover before you leave
  2. £500-Breakdown assistance
  3. £1,600-Replacement vehicle
  4. Emergency roadside repairs
  5. £500and getting to the garage
  6. Getting you home or continuing
  7. £1,600your journey
  8. Spare parts delivered for
  9. All reasonable costsessential repairs
  10. £500Personal possessions
  11. All reasonable costsGetting the vehicle back
  12. Collecting the vehicle from
  13. All reasonable costsContinental Europe
  14. If there is no qualified driver available
  15. All reasonable costsfor the insured vehicle

 

  1. £1,600 in totalChauffeur hire
  2. loss or damage to
  3. £400your tent
  4. £150Home car hire
  5. £10Essential telephone costs

    THE MAXIMUM AGGREGATE AMOUNT PAYABLE FOR PREVIOUS SECTIONS IS £3,000

  1. £2,000Customs duty cover
  2. £1,000Guarantee of Spanish bail bond
  3. £20,000Legal advice and expenses
  4. £750 (per insured person)Missed Motorail connection
  5. £2,000General average indemnity
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’s 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

Low deposit only £25

1. These terms and conditions should be read with the Booking Conditions and insurance information in our brochures or on our website. Especially note Sections 2, 4 and 7 of the Booking Conditions
2. Offer applies only to bookings for 2014 which are booked before 13th April 2014.
3. The low deposit payable under this offer is £25.
4. Does not apply to properties that sleep 10 or more.
5. The difference between the £25 low deposit and the usual deposit shown in our main brochure or website is payable with the balance payment, which we must receive no later than 8 weeks before your booking starts, or at the time of cancellation if you cancel your booking. This payment will include all applicable charges as detailed on your booking confirmation, including any insurance premiums and any Ferry costs. If payment is not received in full on time, we can treat your booking as cancelled by you for a non-refundable reason. If this happens, you will be responsible for cancellation charges (as shown in our main brochure or our website) including any deferred Booking Fee, Personal Travel Insurance and Ferry crossings that you have chosen to buy, all of which must be paid immediately..
6. Not available with any other offer except offers featured in our main brochure.
7. Depending on popularity and property availability, this offer may be extended or withdrawn.