“MAGIC OF LAPLAND ” TRAVEL INSURANCE

NEVER TRAVEL WITHOUT IT – INSURANCE FOR YOUR SECURITY AND PEACE OF MIND

Whilst we do not insist that you take “MAGIC OF LAPLAND ” Travel Insurance, we believe that our policies represent great value for the comprehensive quality of cover and service provided. More and more of our clients choose our travel insurance because they know they will receive the personal service and attention to detail that has always been our company's objective. For your own protection, our Booking Conditions require that you have adequate travel insurance if travelling outside of the United Kingdom .

WHY OUR INSURANCE IS THE FIRST CHOICE FOR DISCERNING TRAVELLERS

Our insurance has been arranged through Citybond Suretravel , (a division of Citybond Holdings Plc.), and is underwritten by the Europ Assistance Group , leading travel insurance providers of underwriting and travel assistance services for over 40 years. Citybond Holdings and Europ Assistance Holdings are both authorised and regulated by the Financial Services Authority.

•  NEW! – Our policy provides a number of Personal Assistance services including trip information such as required visas and inoculations, to local climate and bank opening times. In addition, the policy provides travel assistance such as lost luggage retrieval, credit card cancellations and drug replacement should the need arise.

•  Our multi-lingual staff at the Emergency Assistance service, provided by Europ Assistance, are on call 24 hours a day, 365 days of the year and they will resolve any problem in the most efficient, suitable and practical way available at the time. Europ Assistance also provides our claims assessment service and we are confident that any claims you may have will be handled quickly and efficiently.

•  Cover is simple to arrange – you complete the insurance section of the booking form, including the appropriate premium with your deposit payment and cover will commence immediately.

Travel Insurance - Unlike most insurance policies our policy automatically includes cover for the following activities when booked through Magic of Lapland and included within your holiday cost:

•  Driving Snow mobiles

•  Reindeer Rides.

•  Husky Dog Rides

•  Driving Ice Rally Cars

IMPORTANT: STRICT MEDICAL HEALTH REQUIREMENTS

Your policy contains restrictions regarding Pre-Existing Medical Conditions of the people travelling and of other people upon whose health the trip may depend. YOU ARE ADVISED TO READ YOUR POLICY CAREFULLY and to read the information below and to sign the insurance declaration on the booking form.

The “MAGIC OF LAPLAND ” Travel Insurance operates on the basis that all Insured Persons are not travelling against medical advice or with the intention of obtaining medical treatment abroad. The insurance will NOT cover you if you have any undiagnosed symptoms that may require treatment in the future (i.e. symptoms for which you are awaiting investigations/consultations, or awaiting results of investigations, and where the underlying cause has not been established).

No claim arising directly or indirectly from a Pre-Existing Medical Condition affecting an Insured Person will be covered unless:

•  You have declared that condition to the Underwriters; and

•  You have declared any changes in your health or prescribed medication; and

•  The Underwriters have accepted that condition or change in condition for insurance in writing prior to departure .

Note : A Pre-Existing Medical Condition is considered to be:

•  Any medical or psychological sickness, disease, condition, injury or symptom of which you are aware for which you have required treatment, medical consultation(s), prescribed medication or follow-ups at any time during the 2 years prior to the commencement of cover under this policy and/or prior to the trip;

•  and/or any cardiovascular problems (e.g. heart attack, angina, chest pain, palpitations, any other heart condition, hypertension (raised blood pressure), blood clots, raised cholesterol); any cerebrovascular problems (e.g. stroke, transient ischaemic attack, brain haemorrhage), of which you are aware, that have occurred at any time prior to the commencement of cover under this policy and/or prior to the trip.

(A full definition is shown in the policy document.)

To declare a Pre-existing Medical Condition or a change in your state of health or prescribed medication, you should contact Citybond Suretravel's Medical Screening Department, Healthcheck247, at www.Healthcheck247.com , or telephone them on 0870 220 3937 (Mon. to Fri. 9.30am to 5.00pm, Sat 9.30am to 12.30pm). Please note that calls to Healthcheck247 may be monitored or recorded for audit or training purposes.

Failure to declare any Pre-existing Medical Condition that is relevant to the insurance may invalidate the Policy.

PREMIUMS PER PERSON

SUMMARY OF BENEFITS (Please read the policy wording for full terms and conditions)

For each Insured Person Cover up to: Excess

*If you need increased cover, please check your Home Contents policy first as most people can have their valuables insured under this policy while they are away for a minimal additional cost.

IMPORTANT NOTICE

In accordance with guidance from the Association of British Insurers, your attention is drawn to some important features of your policy as follows:

•  Policy document: You should read the document carefully. It gives you full details of what is and what is not covered and the terms and conditions of cover.

•  Conditions, exclusions and warranties: Conditions and exclusions will apply to individual sections of your policy while general exclusions, conditions and warranties will apply to the whole of your policy.

•  Material Facts: You must declare all material facts that are likely to affect this insurance. Failure to do so may prejudice your entitlement to claim. If you are uncertain as to whether a fact is material, you should declare it to the Underwriters.

•  Policy limits: Most sections of your policy have limits on the amount the insurer will pay under that section. Some sections also include other specific limits, for example, for any one item or for valuables in total. You are advised to check your policy if you intend taking expensive items with you.

•  Trip Limits: The policy contains strict limits on the length of time you can spend travelling abroad on each trip. Travelling or intending to travel in excess of the trip limits will invalidate any claims relating to that particular trip.

•  Age Limit: No section of the policy shall apply in respect of any Insured Person who has reached the age of 81 years at the date of application.

•  Policy excesses: Under most sections of the policy claims will be subject to an excess. This means that you will be responsible for paying the first part of the claim. The amount you have to pay is the excess which is per person per section per claim.

•  Dangerous sports or pastimes: If you are going to take part in dangerous sports or pastimes where there is a high risk of injury, check that your policy covers you. If you are uncertain if cover is provided please contact “Magic of Lapland” for clarification.

•  Property claims: These claims are based on the value of the goods at the time you lose them and not on a “new for old” or replacement cost basis.

•  Reasonable care: You need to take all reasonable care to protect yourself and your property.

•  Complaints: Your insurance policy has a complaints procedure which tells you what steps you can take if you wish to make a complaint.

•  ‘Cooling off' period: If after reading your policy you are not satisfied for any reason, you must return it to “MAGIC OF LAPLAND” within 14 days of issue in order to receive a full refund of premium, provided that a claim does not exist and travel has not taken place.

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