Milsom Howard Ltd – Public Site
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PUBLIC SITE NAVIGATION:
About Us | Your Specialist | Globetrotter Insurance | Globetrotter Policy | Globetrotter Application | Q&As
TRAVEL TRADE SITE NAVIGATION:
About Us | Your Specialist | Bespoke Service | Travel Bonding Service | Protect Staff/ Customers | Protect Your Office | Financial Failure | Fulfilment
Welcome to Milsom Howard Ltd. – PUBLIC SITE
ABOUT US
We've got the answers on flexible travel insurance. So what's your question?
Milsom Howard Ltd is a specialist travel insurance broker with 20 years' experience.
Our friendly team gives a great personal service. And as an independent broker we always put your best interests first, whether you just want some simple advice or need a quote on family travel insurance.
Milsom Howard Ltd is regulated by the Financial Services Authority. Our registered number is 305252, which you can check on the FSA register at www.fsa.gov.uk/register.
Call us for any specialist travel insurance challenge. We can particularly help with issues like:
• Persons aged 65 and over
• Cover for ex pats living in Europe, or
• Holiday insurance for Europeans wanting a better deal than they can find at home.
We can generally find solutions to any insurance challenge. So give us a try!
back to top
YOUR SPECIALIST
Make Your Life Easier – Deal With A Specialist Travel Insurer
Everyone deserves a holiday. So make it a great one. You take care of the fun, we'll take care of the paperwork.
Milsom Howard is a specialist travel insurance broker. We offer independent advice and solid insurance cover that you can tailor according to your travel plans.
Our Globetrotter single trip and annual multi trip travel insurance policy is one of the most flexible travel insurance policies on the market. It gives good protection at a reasonable price and comes with additional benefits that you won't find elsewhere.
Travel insurance is a relatively simple product. But you have to be aware of the small print. So we have made ours as big as possible. And as an independent travel insurance adviser, we're happy to explain everything you need to know.
That way, the only 'protection' you'll be thinking about on the beach or the slopes is what factor sun cream to apply!
To Request A Quote
Call: +44 (0) 1895 234 919,
fax: +44 (0) 1895 231 864,
or email globetrotter@milsomhoward.com.
To Make A Travel Insurance Claim
Make a claim online via www.travelrisk.net.
Alternatively call 0161 236 9454,
or email travelrisk@belmontint.com.
back to top
GLOBETROTTER INSURANCE
Globetrotter – The Right Travel Insurance at the Right Price
Globetrotter - the right travel insurance at the right price
If you want a good travel insurance policy, look no further than Globetrotter. It gives you excellent holiday cover, good reliability, a degree of flexibility… and all at a very affordable price.
We have two types of Globetrotter policy:
• annual multi trip travel insurance, and
• single trip travel insurance.
Both give you the right travel insurance cover at the right price.
Globetrotter also offers some benefits you may find hard to find elsewhere. For example it is one of the few policies on the market currently offering travel insurance for the over 65s. (Most insurers do not cover people 65 years or over, but we go up to 75).
In addition, anyone in Europe can buy it. Given that its cost is generally much lower than the equivalent type of policy in Europe, particularly in Spain, that makes it an excellent ex pat travel insurance policy too.
Globetrotter Holiday Insurance (Single Trip) Covers:
• Personal accident insurance
• Medical expense and holiday benefit cover
• Baggage, personal effects and money protection
• Personal liability insurance
• Travel delay insurance
• Cancellation and curtailment cover
• Missed departure protection.
In addition, you benefit from:
• A top quality claims service
• Family rates at a discount plus children included free (up to the age of two) or half price (up to the age of 16)
• A choice of whether to pay in euros or sterling on your credit card
• Online medical screening (coming soon).
Globetrotter Holiday Insurance (Annual Multi Trip) Covers:
• All the above, plus
• Annual cover for any amount of trips that you make
• Medical cover automatically included for 17 days' wintersports every year
• Freedom to plan long holidays (the cover includes the facility to take single trips within the year of up to 31 days for people up to the age of 64)
• Travel insurance for OAPs aged up to up to 75 years
• Older travellers can also plan long holidays - up to 24 days as standard, or up to 31 for a small additional premium if you are aged 65 to 75 years
To Request A Quote
Call: +44 (0) 1895 234 919,
or apply via our Globetrotter Application page
back to top
GLOBETROTTER POLICY
Globetrotter Policy Summary
Your Globetrotter travel insurance policy has a range of benefits:
Pre-Travel Policy
Travel Policy
Important Note for Policyholders
Who Are Residents of the United Kingdom
The Sums Insured and Policy Excesses in this policy are shown in Euros. Generally, claims will be settled in Euros unless you request otherwise.
Should you require your claim to be settled in Sterling, then the Sums Insured, Policy Excesses and any other reference to monetary limits within the text of this insurance, will be converted to Sterling using an exchange rate of €1 = £0.65.
The actual value of the claim itself will be converted to Sterling using the exchange rate applicable at the time of settlement.
back to top
GLOBE TROTTER APPLICATION
Globetrotter Application
To apply for either Single Trip or Annual Travel insurance, just click on the coinciding link below to download a pdf application form.
Form Downloads
Apply here for Globetrotter Single Trip travel insurance–
just click here to download a policy document.
Apply here for Globetrotter Anual Trip travel insurance –
just click here to download a policy document.
To view and print your forms you will need Acrobat Reader, you can get this for free here:
Once you have downloaded the form, simply fill it out and either
fax it to us at: +44 (0) 1895 231 864,
or post it back to us at:
Milsom Howard Ltd
22 Highfield Drive
Ickenham
Uxbridge
Middlesex
UB10 8AN
UK
For any questions, please call us on +44 (0) 1895 234 919, email us at globetrotter@milsomhoward.com,
or fax us on +44 (0) 1895 231 864.
back to top
Q&As
Questions & Answers
For the full terms and conditions, we strongly recommend that you read the terms and conditions of the policy, available here. However, for quick reference, here are some common Q&As.
If I buy, what if I find the policy doesn't suit my needs?
No problem. Contact us at any time in the 14 days after you receive the policy and we will give you a complete refund, as long as you can confirm that you have not travelled or made a claim on the policy.
Am I covered for pre-existing medical conditions?
As with most travel insurance, the standard Globetrotter policy can't cover you for pre-existing medical conditions. But we could still give you cover if you pay an additional small premium or increase your excess (the amount of the claim you pay). Call us for details. To cover pre-existing medical conditions that have required treatment in hospital or through a specialist, talk to MH HealthCheck
on 01895 234 919.
How do I declare my pre-existing medical conditions?
Just declare it on the policy application proposal form.
Are there age limits on the policy?
With our single trip holiday insurance policy, we take your age from the date of departure and offer cover for people of any age. Under our annual multi trip travel insurance, we take your age from the date when you want the policy to start, and offer cover for anyone aged up to 74 years old. Your age can have a bearing on the maximum length of trip you can take (see question below).
What's the maximum length of trip I can take?
We like our clients to take long holidays. So we give you a generous maximum single trip allowance. On our single trip travel insurance, you can take a trip of up to 90 days if you are aged up to 64 at the point of departure. Those aged 65 to 74 can take a trip of up to 31days, and those aged 75 or over can take a trip of up to 24 days. On our annual multi trip travel insurance, you can take a trip of up to 31 days if aged under 65, and up to 24 days if aged 65 to 74 (or 31 days with the payment of a small additional premium).
Is there a limit to the number of trips I can take on the annual multi trip policy?
No - you are free to take as many trips as you like, as long as none of them exceeds the 'maximum single trip' allowable in your policy (see question above).
Does the policy cover my valuables?
To give universal and unlimited cover for valuables under a standard travel insurance policy would mean you'd have to pay a large insurance premium. That's a waste, especially considering that you've probably already got your valuables insured under your regular household insurance. Therefore we give you a reasonable limit on valuables, but make sure we offer great protection on the things for which you really need travel insurance - like medical expenses, cancelled flights and lost passports. This is normal practice for travel insurance policies. We have an overall limit on valuables, ie jewellery, watches, cds or camcorders, etc, of 250 euros, with a single item maximum of 200 euros. Mobile phones are not covered as many people have these insured separately.
How do you value items I want to claim for?
As is common in travel insurance, this is not a 'new for old' policy. Instead we settle your claim taking into account the market value of your posessions based on the age of the items and wear and tear.
Is this a private medical insurance policy?
Globetrotter covers you for medical treatment. However it is not a private medical insurance policy. In a medical emergency that means you should always use the local State facilities, unless there is no alternative. If in doubt, please call the 24 hour emergency medical assistance number shown in the policy.
Are dangerous sports covered?
On our single trip policy winter sports is covered on payment of an additional premium, whilst with our annual multi trip holiday insurance, you automatically get up to 17 days' winter sports cover. If you are considering other hazardous sports like rock climbing, gliding or scuba diving below 9 metres, you will not be covered under either policy. Call us for advice.
How is my passport protected?
Getting a replacement passport abroad may mean you have to travel to a specific location or even stay overnight while the paperwork is being sorted out. Therefore we cover you for such expenses up to a maximum of 750 euros. See section B3 of the policy.
Does this policy cover me when travelling at home?
Globetrotter only covers you for travel outside your country of domicile or residence, not at home.
How do I make a claim?
You can see how to claim at the end of each section of the policy; Travelrisk Management process our claims, and you can obtain a claim form either online at www.travelrisk.net,
by phone on 0161 236 9454,
or by email on travelrisk@belmontint.com.
Should I take a copy of the policy with me on holiday?
Yes, it's a good idea. Also leave a copy with a friend or relative at home in case you lose your original.
For any other questions, please call us on +44 (0) 1895 234 919, email us at globetrotter@milsomhoward.com,
or fax us on +44 (0) 1895 231 864.
back to top
Milsom Howard Ltd is authorised and regulated by the Financial Services Authority.
Our registered number is 305252, which you can check on the FSA register at www.fsa.gov.uk/register
Milsom Howard Ltd, 22 Highfield Drive, Ickenham, Uxbridge, Middlesex UB10 8AN, UK
Tel: +44 (0) 1895 234 919 • Fax: +44 (0) 1895 231 864 • Email: info@milsomhoward.com
© Copyright 2006, Milsom Howard, All Rights Reserved | Web Design & Development by iNet100.com
[text only version]
Home | Contact Information | Privacy Statement | Travel Tips | Graphics Site
PUBLIC SITE NAVIGATION:
About Us | Your Specialist | Globetrotter Insurance | Globetrotter Policy | Globetrotter Application | Q&As
TRAVEL TRADE SITE NAVIGATION:
About Us | Your Specialist | Bespoke Service | Travel Bonding Service | Protect Staff/ Customers | Protect Your Office | Financial Failure | Fulfilment
Welcome to Milsom Howard Ltd. – PUBLIC SITE
ABOUT US
We've got the answers on flexible travel insurance. So what's your question?
Milsom Howard Ltd is a specialist travel insurance broker with 20 years' experience.
Our friendly team gives a great personal service. And as an independent broker we always put your best interests first, whether you just want some simple advice or need a quote on family travel insurance.
Milsom Howard Ltd is regulated by the Financial Services Authority. Our registered number is 305252, which you can check on the FSA register at www.fsa.gov.uk/register.
Call us for any specialist travel insurance challenge. We can particularly help with issues like:
• Persons aged 65 and over
• Cover for ex pats living in Europe, or
• Holiday insurance for Europeans wanting a better deal than they can find at home.
We can generally find solutions to any insurance challenge. So give us a try!
back to top
YOUR SPECIALIST
Make Your Life Easier – Deal With A Specialist Travel Insurer
Everyone deserves a holiday. So make it a great one. You take care of the fun, we'll take care of the paperwork.
Milsom Howard is a specialist travel insurance broker. We offer independent advice and solid insurance cover that you can tailor according to your travel plans.
Our Globetrotter single trip and annual multi trip travel insurance policy is one of the most flexible travel insurance policies on the market. It gives good protection at a reasonable price and comes with additional benefits that you won't find elsewhere.
Travel insurance is a relatively simple product. But you have to be aware of the small print. So we have made ours as big as possible. And as an independent travel insurance adviser, we're happy to explain everything you need to know.
That way, the only 'protection' you'll be thinking about on the beach or the slopes is what factor sun cream to apply!
To Request A Quote
Call: +44 (0) 1895 234 919,
fax: +44 (0) 1895 231 864,
or email globetrotter@milsomhoward.com.
To Make A Travel Insurance Claim
Make a claim online via www.travelrisk.net.
Alternatively call 0161 236 9454,
or email travelrisk@belmontint.com.
back to top
GLOBETROTTER INSURANCE
Globetrotter – The Right Travel Insurance at the Right Price
Globetrotter - the right travel insurance at the right price
If you want a good travel insurance policy, look no further than Globetrotter. It gives you excellent holiday cover, good reliability, a degree of flexibility… and all at a very affordable price.
We have two types of Globetrotter policy:
• annual multi trip travel insurance, and
• single trip travel insurance.
Both give you the right travel insurance cover at the right price.
Globetrotter also offers some benefits you may find hard to find elsewhere. For example it is one of the few policies on the market currently offering travel insurance for the over 65s. (Most insurers do not cover people 65 years or over, but we go up to 75).
In addition, anyone in Europe can buy it. Given that its cost is generally much lower than the equivalent type of policy in Europe, particularly in Spain, that makes it an excellent ex pat travel insurance policy too.
Globetrotter Holiday Insurance (Single Trip) Covers:
• Personal accident insurance
• Medical expense and holiday benefit cover
• Baggage, personal effects and money protection
• Personal liability insurance
• Travel delay insurance
• Cancellation and curtailment cover
• Missed departure protection.
In addition, you benefit from:
• A top quality claims service
• Family rates at a discount plus children included free (up to the age of two) or half price (up to the age of 16)
• A choice of whether to pay in euros or sterling on your credit card
• Online medical screening (coming soon).
Globetrotter Holiday Insurance (Annual Multi Trip) Covers:
• All the above, plus
• Annual cover for any amount of trips that you make
• Medical cover automatically included for 17 days' wintersports every year
• Freedom to plan long holidays (the cover includes the facility to take single trips within the year of up to 31 days for people up to the age of 64)
• Travel insurance for OAPs aged up to up to 75 years
• Older travellers can also plan long holidays - up to 24 days as standard, or up to 31 for a small additional premium if you are aged 65 to 75 years
To Request A Quote
Call: +44 (0) 1895 234 919,
or apply via our Globetrotter Application page
back to top
GLOBETROTTER POLICY
Globetrotter Policy Summary
Your Globetrotter travel insurance policy has a range of benefits:
Pre-Travel Policy
 |
||||
| Policy section | |
Cover provided | |
First amount you have to pay |
|
||||
|
|
|
|
|
| A. Cancellationcharges |
|
up to €4,000 (See note 1) | |
€100 |
|
|
|
|
|
|
|
Deposit only claims: | |
€50 |
|
|
Starts immediately you pay the premium | ||
| Note 1. Your policy does not provide cover for re-occurring or pre-existing medical conditions. If an insured-person has ever had a heart related problem, a stroke, cancer, any breathing problems, diabetes, or had any other medical condition which has been treated in hospital or has been referred to a specialist in the last 2 years they should phone MH HealthCheck on +44 (0) 1895 234919 to see if cover is available. We will confirm any special terms in writing. They should also tell us if their health or medication changes between buying this policy and travelling. |
Travel Policy
|
||||
| Policy section | |
Cover provided | |
First amount you have to pay |
|
||||
|
|
|
|
|
| B1. Departure delay | |
|
|
|
|
|
|
|
|
| After first 12 hour |
|
€25 | |
|
|
|
|
|
|
| Each subsequent12 hours |
|
€15 | |
|
|
|
|
|
|
| Maximum amountpayable |
|
€150 | |
Nil |
|
|
|
|
|
| Missed departure |
|
up to €1,000 | |
Nil |
|
|
|
|
|
| Abandonment after 24 hours |
|
up to €4,000 | |
€100 |
|
|
|
|
|
| B2. Personalpossessions |
|
up to €200 for each individual item | |
|
|
|
|
|
|
|
up to an overall total €250 for valuables | |
|
|
|
|
|
|
|
|
up to a maximum of €1,300 in total | |
€100 | |
|
|
|
|
|
| Possessionsdelayed in transitfor more than12 hours |
|
essential items up to €150 |
|
Nil |
|
|
|
|
|
| B3. Personal money | |
up to €150 in cash on your person | |
Nil |
|
|
|
|
|
|
up to €300 in total | |
€100 | |
|
|
|
|
|
| Loss of traveldocuments |
|
up to an overall total €250 for valuables | |
|
|
|
|
|
|
|
up to a maximum of €1,300 in total | |
€100 | |
|
|
|
|
|
| Possessionsdelayed in transitfor more than12 hours |
|
essential items up to €150 |
|
Nil |
|
|
|
|
|
| B4. Emergencymedical expenses |
|
up to €2,500,000 outside your home country | |
€100 |
|
|
|
|
|
| State hospitalexpenses |
|
up to €15 for each full day you are confined to a hospital bed in a hospital up to a maximum of €300 (See note 2) |
|
Nil |
|
|
|
|
|
| B5. Curtailment (cutting short trip) |
|
up to €4,000 (See note 2) | |
€100 |
|
|
|
|
|
| B6. Personal liability |
|
up to €1,500,000 Trip accommodation - €375 Other claims - €100 |
|
|
|
|
|
|
|
| B7. Personal accident |
|
up to €19,500 (See note 3) |
|
Nil |
|
|
|
|
|
| B8. Legal expenses |
|
up to €15,000 | |
€100 |
| Note 2. Your policy does not provide cover for re-occurring or pre-existing medical conditions. If an insured-person has ever had a heart related problem, a stroke, cancer, any breathing problems, diabetes, or had any other medical condition which has been treated in hospital or has been referred to a specialist in the last 2 years they should phone MH HealthCheck on +44(0)1895 234919 to see if cover is available. We will confirm any special terms in writing. They should also tell us if their health or medication changes between buying this policy and travelling. Note 3. Cover for accidental death is reduced to €1,000 if you are over 75. The benefit for inability to work does not apply if you are over 75. |
Important Note for Policyholders
Who Are Residents of the United Kingdom
The Sums Insured and Policy Excesses in this policy are shown in Euros. Generally, claims will be settled in Euros unless you request otherwise.
Should you require your claim to be settled in Sterling, then the Sums Insured, Policy Excesses and any other reference to monetary limits within the text of this insurance, will be converted to Sterling using an exchange rate of €1 = £0.65.
The actual value of the claim itself will be converted to Sterling using the exchange rate applicable at the time of settlement.
back to top
GLOBE TROTTER APPLICATION
Globetrotter Application
To apply for either Single Trip or Annual Travel insurance, just click on the coinciding link below to download a pdf application form.
Form Downloads
Apply here for Globetrotter Single Trip travel insurance–
just click here to download a policy document.
Apply here for Globetrotter Anual Trip travel insurance –
just click here to download a policy document.
To view and print your forms you will need Acrobat Reader, you can get this for free here:
Once you have downloaded the form, simply fill it out and either
fax it to us at: +44 (0) 1895 231 864,
or post it back to us at:
Milsom Howard Ltd
22 Highfield Drive
Ickenham
Uxbridge
Middlesex
UB10 8AN
UK
For any questions, please call us on +44 (0) 1895 234 919, email us at globetrotter@milsomhoward.com,
or fax us on +44 (0) 1895 231 864.
back to top
Q&As
Questions & Answers
For the full terms and conditions, we strongly recommend that you read the terms and conditions of the policy, available here. However, for quick reference, here are some common Q&As.
If I buy, what if I find the policy doesn't suit my needs?
No problem. Contact us at any time in the 14 days after you receive the policy and we will give you a complete refund, as long as you can confirm that you have not travelled or made a claim on the policy.
Am I covered for pre-existing medical conditions?
As with most travel insurance, the standard Globetrotter policy can't cover you for pre-existing medical conditions. But we could still give you cover if you pay an additional small premium or increase your excess (the amount of the claim you pay). Call us for details. To cover pre-existing medical conditions that have required treatment in hospital or through a specialist, talk to MH HealthCheck
on 01895 234 919.
How do I declare my pre-existing medical conditions?
Just declare it on the policy application proposal form.
Are there age limits on the policy?
With our single trip holiday insurance policy, we take your age from the date of departure and offer cover for people of any age. Under our annual multi trip travel insurance, we take your age from the date when you want the policy to start, and offer cover for anyone aged up to 74 years old. Your age can have a bearing on the maximum length of trip you can take (see question below).
What's the maximum length of trip I can take?
We like our clients to take long holidays. So we give you a generous maximum single trip allowance. On our single trip travel insurance, you can take a trip of up to 90 days if you are aged up to 64 at the point of departure. Those aged 65 to 74 can take a trip of up to 31days, and those aged 75 or over can take a trip of up to 24 days. On our annual multi trip travel insurance, you can take a trip of up to 31 days if aged under 65, and up to 24 days if aged 65 to 74 (or 31 days with the payment of a small additional premium).
Is there a limit to the number of trips I can take on the annual multi trip policy?
No - you are free to take as many trips as you like, as long as none of them exceeds the 'maximum single trip' allowable in your policy (see question above).
Does the policy cover my valuables?
To give universal and unlimited cover for valuables under a standard travel insurance policy would mean you'd have to pay a large insurance premium. That's a waste, especially considering that you've probably already got your valuables insured under your regular household insurance. Therefore we give you a reasonable limit on valuables, but make sure we offer great protection on the things for which you really need travel insurance - like medical expenses, cancelled flights and lost passports. This is normal practice for travel insurance policies. We have an overall limit on valuables, ie jewellery, watches, cds or camcorders, etc, of 250 euros, with a single item maximum of 200 euros. Mobile phones are not covered as many people have these insured separately.
How do you value items I want to claim for?
As is common in travel insurance, this is not a 'new for old' policy. Instead we settle your claim taking into account the market value of your posessions based on the age of the items and wear and tear.
Is this a private medical insurance policy?
Globetrotter covers you for medical treatment. However it is not a private medical insurance policy. In a medical emergency that means you should always use the local State facilities, unless there is no alternative. If in doubt, please call the 24 hour emergency medical assistance number shown in the policy.
Are dangerous sports covered?
On our single trip policy winter sports is covered on payment of an additional premium, whilst with our annual multi trip holiday insurance, you automatically get up to 17 days' winter sports cover. If you are considering other hazardous sports like rock climbing, gliding or scuba diving below 9 metres, you will not be covered under either policy. Call us for advice.
How is my passport protected?
Getting a replacement passport abroad may mean you have to travel to a specific location or even stay overnight while the paperwork is being sorted out. Therefore we cover you for such expenses up to a maximum of 750 euros. See section B3 of the policy.
Does this policy cover me when travelling at home?
Globetrotter only covers you for travel outside your country of domicile or residence, not at home.
How do I make a claim?
You can see how to claim at the end of each section of the policy; Travelrisk Management process our claims, and you can obtain a claim form either online at www.travelrisk.net,
by phone on 0161 236 9454,
or by email on travelrisk@belmontint.com.
Should I take a copy of the policy with me on holiday?
Yes, it's a good idea. Also leave a copy with a friend or relative at home in case you lose your original.
For any other questions, please call us on +44 (0) 1895 234 919, email us at globetrotter@milsomhoward.com,
or fax us on +44 (0) 1895 231 864.
back to top
Milsom Howard Ltd is authorised and regulated by the Financial Services Authority.
Our registered number is 305252, which you can check on the FSA register at www.fsa.gov.uk/register
Milsom Howard Ltd, 22 Highfield Drive, Ickenham, Uxbridge, Middlesex UB10 8AN, UK
Tel: +44 (0) 1895 234 919 • Fax: +44 (0) 1895 231 864 • Email: info@milsomhoward.com
© Copyright 2006, Milsom Howard, All Rights Reserved | Web Design & Development by iNet100.com