THE HIMALAYAN KINGDOMS TREKS TRAVEL INSURANCE SCHEME

(Available to anybody living anywhere in the World, with Worldwide repatriation. Residents of North America and Canada are subject to increased premiums. Please ask for details.)

Special travel insurance is available, which is underwritten by Axa Insurance (UK) Plc and has been arranged by our insurance brokers, Campbell Irvine Ltd. Tel: 01737 223687.

We have to bring to your attention some of the important features of your travel insurance certificate:

Insurance Certificate: this contains full details of the cover provided plus the conditions and exclusions which apply to it. You must read the insurance certificate carefully. Conditions and Exclusions: there are conditions and exclusions which apply to individual sections and general conditions and exclusions which apply to the whole certificate.

Date Change Exclusion: changes in dates could see widespread failure of computer and other systems containing computer chips, which depend on date-related information in order to work properly. Other than Medical Expenses, Hospital Benefit and Personal Accident, your certificate excludes anything directly or indirectly caused by failure of any computer hardware or software or other electrical equipment to recognise or process any date as the true calendar date.

Fraudulent Claims: the making of fraudulent claims is a criminal offence.

Medical Expenses: the certificate does not provide private health treatment unless specifically approved by the emergency service.

Health: The certificate contains conditions that relate to your health and that of others not necessarily travelling with you but upon whose well being the trip may depend. In particular, pre existing medical problems are not covered unless the Medical Helpline is contacted on: 0870 906 3140

Property Claims: these are settled on an indemnity basis - not on a "new for old" or replacement cost basis, unless otherwise stated in the certificate.

Certificate Limits: most sections of the certificate have limits on the amount the insurer will pay under that section. Some sections also have inner limits - e.g. for one item, or for valuables in total.

Excesses: claims under most sections of the certificate will be subject to an excess. Where there is an excess, you will be responsible for paying the first part of a claim.

Reasonable Care: you are required to take all reasonable care to protect yourself and your property and to act as though you are not insured.

Complaints: the insurance certificate includes a Complaints Procedure, which tells you what steps you can take if you wish to make a complaint.

'Cooling Off' Period: the certificate contains a 'cooling off' period which allows you to return the certificate within 14 days of the date of issue or prior to travel (whichever the sooner) and obtain a full refund if you have justifiable reason to be dissatisfied with the cover provided.

Hazardous Holiday Activities: the certificate may not cover you when you take part in certain hazardous activities. However, the certificate will cover you for any activities included in the itinerary for the holiday being booked from this brochure. If you want cover for any other hazardous activities, other than those included in your itinerary, please discuss your requirements with us.

UK Law allows the parties to choose the law applicable to the contract. The contract will be subject to English Law unless otherwise agreed.

The contract will be subject to English Law unless otherwise agreed.

PLEASE ENSURE THAT YOU READ YOUR INSURANCE CERTIFICATE CAREFULLY

The full terms and conditions will be incorporated in the certificate, which will be forwarded to you on receipt of your premium. An advance copy is available on request. This scheme is also available if you are travelling independently or if you are extending your holiday, assuming that your itinerary is acceptable to Insurers. Please contact us for detail.

This scheme is also available if you are travelling independently or if you are extending your holiday, assuming that your itinerary is acceptable to the Underwriting Agents. Please contact us for detail.

Brief details of the cover provided are as follows:- Up to a Maximum of

1. Cancellation Or Curtailment, Includes Loss of Deposit £5,000
(£50 Excess, Nil excess in respect of Loss of Deposit) 2. Medical and other Expenses (£50 Excess) £5,000,000
Additional Hospital Benefit £200
3. Personal Accident £25,000
4. Personal Baggage (Single Article Limit £300 and Limit for 'Valuables' £1,500 which includes: Photographic Equipment and Binoculars £300) (Excess £50)
6. Personal Money (Excess £50) £300
7. Passport and visas £250
8. Personal Liability £2,000,000
9. Travel Delay or abandonment (Excess £50 applicable to abandonment only) £1,000
10. Missed Departure £300
11. Government Travel restrictions £750 12. Legal Expenses £15,000

The premiums are inclusive of Insurance Premium Tax (IPT) and are shown against each individual holiday in the brochure. If you are aged 70 years or over the premiums are doubled.

You do not have to use this scheme but, if you make your own insurance arrangements, documentary evidence of your own Policy is required, which must contain evidence of satisfactory cover for repatriation and helicopter rescue following a medical emergency.

· PLEASE NOTE - Cancellation cover starts immediately your application and any payment is received, and other sections on commencement of the booked travel. A certificate will be issued and sent to you within a few days.

· MATERIAL FACTS - Please remember that all Material Facts should be disclosed, as failure to do so may affect your rights under this Insurance. In particular you should disclose any serious medical condition including people not necessarily traveling but upon whom the trip may depend that may require treatment during a period of overseas travel, or might cause you to cancel the trip.

· TRAVEL DELAY - The Travel Delay section of the policy covers your return journey as well as the outbound.

· WAR AND TERRORISM - The policy covers acts of war and terrorism but not nuclear, chemical or biological.

· AUTOMATIC EXTENSION OF COVER - In the event that you are prevented from returning home due to circumstances beyond your control the policy is automatically extended for up to 21 days from the date the policy was due to expire free of charge.