In the event of any complaint or dispute, we may need to share this data with other relevant parties, such as your hotel or airline to help us with our investigation. In the case of a serious dispute involving legal proceedings, we will need to share your data with our insurance company and legal advisors in order to comply with legal obligations and to assist with the handling of the matter. Complaints We fully respect your right to privacy and take our responsibility for the collection of your personal information very seriously. We make every effort to ensure that your personal information is kept secure and is only used for the purpose for which it is collected. We will also only retain your data for as long as it is necessary and in accordance with the basis upon which it was collected. In the case of a complaint or a claim, we may need to retain your data for up to 4 years in order to comply with any of our legal obligations. In the unlikely event that you have a complaint about the information which we collect about you, please write to us at Balkan Holidays Limited, Sofia House, 19 Conduit Street, London, W1S 2BH. Security Policy We will implement all technical and organisational measures which are appropriate, practicable and/or reasonable to safeguard your information. Your Rights Under the UK GDPR you have the following rights (although these rights may not apply to all circumstances):
• The right to be informed about our processing of your personal data (which we aim to give full effect to through this Privacy Policy and other privacy notices on our website) • The right to have the personal data which we collect on you corrected if it is inaccurate, or completed where it is incomplete • As set out above, the right to withdrawyour consent or explicit consent (in the case of ‘special category’ personal data) to our use of your data on that basis • The right to object to the processing of your personal data in certain circumstances • The right to restrict the processing of your personal data in certain circumstances • The right to have your personal data erased in certain circumstances (i.e. the so-called “right to be forgotten”) • The right to request access to your personal data and information about how we process it. Although this access request is free, please note that if your request is manifestly unfounded or excessive, we reserve the right to charge a reasonable fee based on our administrative costs. • The right to transfer your data (i.e. the right to “data portability”) • Rights with regard to automatic decision making, including profiling. You also have the right to make a complaint to the UK Information Commissioner’s Office, which has the power to investigate our compliance with applicable law. The ICO can be contacted via their website at www.ico.org.uk • Additionally, travellers may at any time before the start of the package terminate
the contract in return for an appropriate and justifiable termination fee. • If, after the start of the package, significant elements of the package cannot be provided as agreed, suitable alternative arrangements will have to be offered to the traveller at no extra cost. Travellers may terminate the contract without paying any termination fee, where services are not performed in accordance with the contract and this substantially affects the performance of the package and the organiser fails to remedy the problem. • Travellers are also entitled to a price reduction or compensation for damages or both where the travel services are not performed or are improperly performed. • The organiser has to provide assistance if the traveller is in difficulty. • If the organiser becomes insolvent, payments will be refunded. If the organiser becomes insolvent after the start of the package and if transport is included in the package, repatriation of the travellers is secured. Balkan Holidays Limited has taken out insolvency protection with the Civil Aviation Authority (of Gatwick airport South, West Sussex, RH6 0YR, UK, telephone 0333 103 6350, email: claims@caa.co.uk) under ATOL number 0252) for flight inclusive packages and with ABTA Ltd (The Travel Association, 30 Park Street, London, SE1 9EQ www.abta.co.uk, ABTA Membership Number: V089X) for non-flight inclusive packages. Travellers may contact either of the above entities (the CAA if the package includes a flight and ABTA if it does not) if services are denied because of Balkan Holidays Limited’s insolvency.
TRAVEL INSURANCE This policy will have been sold to you on a non advised basis and it is there- fore your responsibility to read this information (paying particular attention to the terms and conditions and exclusions) and ensure that it meets all of your requirements. You may already possess alternative insurance(s) for some or all of the features and benefit provided by this product; it is your responsibility to investigate this. If upon reading this policy you find it does not meet all of your requirements, please refer to the relevant cooling off/ policy cancellation section. Balkan Holidays Limited are an appointed representative of ITC Compliance Limited which is authorised and regulated by the Financial Conduct Authority (their registration number is 313486) and which is permitted to advise on and arrange general insurance contracts. We will not provide you with the advice about the suitability of this product for your individual needs but we will be happy to provide you with factual information. ‘The policy we sell includes a 24 hour emergency service. It can also cover you for cancellation, loss of baggage, and travel delay. All customers travelling with us must have a valid insurance policy to cover the full period of the holiday. The insurance can either be purchased through us or another provider. You can cancel your insurance within 14 days of purchase, as long as you have not travelled or made a claim on this policy. If you have decided not to buy the insurance we can offer, please note that it is your responsibility to ensure that the insurance you have purchased has the relevant cover and meets your needs. The following is a summary of cover only. You will receive the full policy wordings at the time of purchase, which define the cover, conditions and exclusions. The insurance is arranged by Blue Insurance and underwritten by MAPFRE Asistencia Compañía Internacional de Seguros y Reaseguros. Blue Insurance Limited are authorised by the Central Bank of Ireland and subject to limited regulation by the Financial Conduct Authority. Details about the extent of their regulation by the Financial Conduct Authority are available
PREMIER PLUS EXCESSES £50 increasing to £100 in respect of overseas legal expenses and assistance. Personal liability is also £100 excess. The excess for Emergency Medical Ex- penses and other Expenses is £65 for over 65’s. Cancellation or curtailment excess £50 - (loss of deposit £35)
IMPORTANT CONDITIONS RELATING TO HEALTH Please refer to the Travel Insurance Policy terms and conditions relating to health on page 4 of the Policy. You must comply with the terms & conditions of the Policy in order to ensure that you are eligible for cover. 7. Reasonable Care: You need to take all reasonable care to protect yourself and your property, as you would if you were not insured. The amount in- surers will pay for property left unattended in a public place or unattended vehicle is very limited, as specified in the wording. 8. Dangerous Sports & Pastimes: You may not be insured if you are going to take part in dangerous sports or pastimes where there is a generally recognised risk of injury. Please check that this insurance covers you, or ask your agent. 9. Fraudulent claims: It is a criminal offence to make a fraudulent claim. arising from these procedures). • Any Medical Condition for which You are not taking the recommended treatment or prescribed medication as directed by a Medical Practitioner. • Your travel against any health requirements stipulated by the carrier, their handling agents or any other Public Transport provider • Your own unlawful action or any criminal proceedings against You. • Your pursuit of Winter Sports unless Winter Sports Cover has been selected and appropriate premium paid. • Your engagement in or practice of manual work • Your travel to a country or specific area or event to which the Travel Ad- vice Unit of the Foreign Commonwealth and Development Office or the World Health Organisation or similar body has advised against all or all but essential travel. • Any circumstances You are aware of at the time of taking out this policy that could reasonably be expected to give rise to a claim on this policy. Please refer to the policy terms & conditions for a full list of the signifi- cant exclusions. IMPORTANT NOTICE We would like to draw your attention to some important features of your travel insurance including: 1. Insurance Document: You should read this document carefully. It gives full details of what is and is not covered and the conditions of the cover. Cover can vary from one policy to another so you should familiarise your- self with this particular insurance. 2. Conditions and Exclusions: Specific Conditions and Exclusions apply to individual sections of your insurance, whilst General Exclusions and Con- ditions will apply to the whole of your insurance. 3. Health: This insurance contains restrictions regarding pre-existing medi- cal problems concerning the health of the people travelling and of other people upon whose health the trip depends. You are advised to read the document carefully. 4. Property Claims: These claims are paid based on the value of the goods at the time you lose them and not on a 'new for old' or replacement cost basis. Deductions will be made in respect of wear, tear and depreciation. 5. Limits: This insurance has limits on the amount the insurer will pay under each section. Some sections also include other specific limits, for exam- ple, for any one item or for valuables in total. 6. Excesses: Under some Sections of this insurance, claims will be subject to excess. This means you will be responsible for paying the first part of the claim under each applicable section.
Description of cover - Premier Plus Cancellation & Curtailment Emergency Medical Expenses Hospital Benefit (amount per day) Personal Accident (subject to age)*
Per insured person
Up to £10,000
Up to £10,000,000 £200 (£25 per day)
£30,000 £10,000
Maximum payable in the event of death (aged 18 to 65 years) Maximumpayable in theevent ofdeath (under18or66yearsorover)
£5,000
Abandonment Missed departure
Up to £10,000 Up to £1,000 Up to £3,000
Baggage
Maximum per item, pair or set Total limit for all Valuables Personal Money and Documents
£250 £500
Up to £600
Cash Limit
£350 £100
Cash (aged under 18yrs) Emergency Passport & Travel
Up to £500
Personal Liability
Up to £2,000,000
Overseas Legal Expenses & Assistance
Up to £20,000
Ski Equipment - owner Ski Equipment - hired
Up to £600 Up to £600 Up to £500
Ski Equipment - single article limit
Ski pack or Ski hire
£500 (£50 per day) £500 (£50 per day)
Piste closure
from them on request. DEMANDS AND NEEDS
*Personal Accident - the maximum benefit is £30,000 if aged under 66 years and the maximum payable in the event of death of £10,000 is for persons aged between 18 and 65 years. SIGNIFICANT EXCLUSIONS • You must be a permanent resident in the United Kingdom and have been for the past six months prior to the date of issue. • If You or any persons travelling suffer from any pre-existing medical condi- tion for which any prescribed medication is being taken or if any treatment has been received including surgery, tests or investigations within the last 2 years you must contact the medical screening helpline. • Any Medical Condition for which You or a Close Relative or a Travelling Companion are aware of but have not had a diagnosis. • Any Medical Condition for which You or a Close Relative or a Travelling Companion have received a terminal prognosis. • Any Medical Condition for which You or a Close Relative or a Travelling Companion are on a waiting list for or have the knowledge of the need for surgery, treatment or investigation at a hospital, clinic or nursing home. • Any Medical Condition You have in respect of which a Medical Practitioner has advised You not to travel or would have done so had You sought their advice but despite this You still travel. • Any surgery, treatment or investigations for which You intend to travel out- side of Your Home Area to receive (including any expenses incurred due to the discovery of other Medical Conditions during and/or complications
This travel insurance policy will suit the Demands and Needs of an individu- al, or group (where applicable) who have no excluded pre-existing medical conditions and are travelling to countries included within the policy terms and who wish to insure themselves against the unforeseen circumstances/ events detailed in the policy wording. Subject to terms and conditions and maximum specified sums insured. Premium Inc. Insurance Premium Tax - Winter Sports Premier Plus Rates including Winter Sports additional cover Period Adult (18-65yrs) Child Family
Up to 8 days
£35
£18
£74
15 days
£39
£21
£82
Family Cover Means up to two adults and any number of their children, step children or foster children aged under 19 or under 24yrs if living at home and in full time education, accompanying the parents or legal guardian insured on the same policy travelling on any trip to the same designation • Infants under 2 years are free • Premiums are correct at the time of going to press.
Reservations 0845 130 1114
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