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Travel Insurance
Policy number 645212362

Policy Schedule - Certificate of Insurance

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Please take all pages titled 'Certificate of Insurance' with you on your trip to show proof of insurance if required.

Customer reference number Call us on

Cover details
Single trip travel insurance Length of trip in days Departure date Return date Countries to be visited 15 7 July 2011 21 July 2011 Cyprus

0845 302 0211

We are here to help you Monday to Friday 8.30am to 5.30pm Saturday 9am to 1pm

Total premium
The premium includes Insurance Premium Tax at the appropriate rate where applicable.

58.15
Period of cover 13 June 2011 to Mr JA Burgoyne 87 Abbey Road Middleton, Manchester M24 6HQ
This is the policyholder's primary residence

Address details
About you

Policyholder Your home address

21 July 2011 Issue date 13 June 2011 Policyholder Mr JA Burgoyne Medical conditions declared? Yes

Details of those insured and additional cover options

Name Mr J A Burgoyne D.O.B. 13/12/43 Mrs P Burgoyne D.O.B. 16/09/46 Winter Sports Included Golf Cover Included Scuba Cover Included

If you would like to add any of the additional cover options please call us.

Declaration
The information shown on this Schedule is agreed between you and Saga to be an accurate record of the insurance details, which have been used to form the basis of the contract between you and the Insurer.

Declared Medical Conditions

The following is a record of the medical information you recently supplied to us. Please check that all named persons consent to us holding this information and that it is complete and accurate. To advise us of any changes or if any new conditions arise, you must call us as soon as possible on 0845 302 0211. Continued overleaf 1 of 10

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Schedule - Certificate of Insurancecontinued

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Please note that failure to disclose any pre-existing medical conditions will result in any future claims being declined.

Customer reference number

Insured Medical Details

The following medical conditions have been declared to and accepted by us. Cover has therefore been extended to cover claims resulting from these medical conditions subject to the terms and conditions of the policy. Any pre-existing medical condition that is not shown below will be excluded under the terms and conditions of the policy.
Name Medical Conditions

Claims helplines
Medical assistance

(+44) 20 8763 4878

from abroad

0845 300 3555

from UK Saga Travel Assistance (For advice before you travel and whilst you are away)

Mr J A Burgoyne Mrs P Burgoyne Mrs P Burgoyne Mrs P Burgoyne

High cholesterol Arthritis Osteoarthritis Joint replacement (non-trauma)

(+44) 20 8763 4879

from abroad

These declared medical conditions are included in the premium quoted and are therefore covered under the normal terms and conditions of this policy. There is no cover for any claims arising due to a pre-existing medical condition of any person not named on the policy whose health may affect your decision to travel or cut short your trip, for example a non-travelling close relative.

0845 300 3550

from UK All other claims (Such as baggage or cancellation)

0845 300 3560

Medical assistance whilst abroad

If you are unfortunate enough to feel unwell or injure yourself whilst abroad please call us first on 020 8763 4878. Our highly experienced multi-lingual team are available to talk 24 hours a day, to advise you or a travelling companion what steps to take. Their aim will always be to establish the best treatment available to you in the country you are visiting.

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Important information for customers

Saga Services Limited and Acromas Insurance Company Limited are ultimately wholly owned subsidiaries of Acromas Holdings Limited which is registered in England and Wales (Company No 732602). Registered Office: Enbrook Park, Sandgate, Folkestone, Kent CT20 3SE. Saga Services Limited is authorised and regulated by the Financial Services Authority. You can confirm Saga Services Limiteds address and statutory status on the Financial Services Authority website at www.fsa.gov.uk/register/home.do or by contacting the Financial Services Authority on 0845 606 1234. Saga Travel Insurance is arranged and administered by FirstAssist Insurance Services Limited. Registered in England and Wales (company number 04617110). Registered office: Marshall's Court, Marshall's Road, Sutton, Surrey SM1 4DU. This policy is underwritten by Great Lakes Reinsurance (UK) PLC. Registered in England and Wales (company number 2189462). Registered office: Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ. FirstAssist Insurance Services Limited and Great Lakes Reinsurance (UK) PLC are authorised and regulated by the Financial Services Authority.
6653999 Customer reference number Call us on

0845 302 0211

Making a complaint
If you have a query or complaint about your Saga Travel Insurance policy, please contact the Customer Service Department, Saga Services Limited at Middelburg Square, Folkestone, Kent CT20 1AZ or call 0845 302 0211. If the matter is not resolved to your satisfaction or you wish to make a complaint, you can contact the Customer Relations Department, Saga Services Limited at Middelburg Square, Folkestone, Kent CT20 1AZ or call 01303 771160, fax on 01303 771347, or e-mail us at services.customer-relations@saga.co.uk. The Financial Ombudsman Service may look into your complaint if you remain dissatisfied after we have issued a final response. You can write to them at: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone 0800 0234 567 or 0300 1239 123. Saga Services Limited is covered by The Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Further information about compensation scheme arrangements is available from the FSCS website: www.fscs.org.uk.

Handling your money

When collecting or returning premiums, Saga Services Limited acts as the agent of the Insurer. This means that your money is protected, as any premiums you pay to us are treated by the Insurer as having been paid directly to them.

Meeting your needs

When discussing your travel insurance needs with you on 13 June 2011, you told us about your specific requirements and provided us with the details shown in your policy Schedule. If you have any questions or comments, or if you wish to discuss any aspect of the cover provided, please call 0845 302 0211.

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Important information for customers continued

Use of personal data
For Data Protection Act purposes, Saga Services Limited will use the data you supply in connection with this proposal in order to provide the highest standard of service in the administration of your insurance. We will also store the medical data so that this may be disclosed to our underwriters, medical assistance company and their agents for the purpose of assisting you with an insurance claim. Saga Services Limited will only disclose data outside of the parties mentioned above where the law permits it and to investigate fraud. By providing the requested data you consent to us processing personal data including sensitive data about you and other relevant persons and using such data for other products in respect of both marketing and preparing quotations. You understand that all personal data you supply must be accurate, and you have the specific consent of those other persons to disclose their personal data.

6653999 Customer reference number

Marketing policy
Saga may share your personal information, including your medical data, with other Saga and Acromas Groups of companies and their partners. We may use it for the preparation of quotes or to inform you by post, SMS, telephone, fax or e-mail about offers, products and services that may be of interest to you. We will do this unless you contact us or you make use of the regular opportunities that we provide you with, to confirm which channels and products you do and do not wish to use or hear about, or unless you tell us you prefer not to receive direct marketing.

Pre-existing medical conditions

It is important that you tell us at the start date and/or date of booking any trip if any insured person, your travelling companion or any person upon whom the travel plans would depend e.g. a relative or business associate, suffers from a medical condition. If you do not provide this information we will not pay claims due to these medical conditions. You must advise us if between buying your policy or booking your trip and the departure date, you, or anyone upon whose good health the trip depends, receives medical advice for a potentially serious illness or injury. We will then advise you how this affects your cover.

Fees
Changes to policy details or cover may result in an administration fee of 7.50. Please note that if you amend your policy mid term and have paid by credit card or cheque, we will be unable to refund any amounts of 5 or less. Similarly, we will only request any charges from you if the amount is over 5.

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Saga Single Trip Travel Insurance Policy Summary

This summary does not contain the full Terms and Conditions of Saga's travel insurance policy. Full details can be found in the Policy Booklet which is available on request by calling Saga on 0845 302 0211 or by downloading a copy online at saga.co.uk/travelinsurance. It is important that you read the policy documentation carefully when you receive it.

Name of the insurer

The insurer of this policy is Great Lakes Reinsurance (UK) PLC. Registered in England and Wales (company number 2189462). Registered office: Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ who are authorised and regulated by the Financial Services Authority, registration number 202715. The Legal Expenses section of this policy is underwritten by Acromas Insurance Company Limited and administered by Parabis Law LLP.

Type of insurance and cover

The Saga single trip travel policy protects you from the date you arrange the policy and while on a trip in the area you have selected for the period stated on your policy Schedule. Trips in the UK are covered under this policy where at least one nights accommodation is pre-booked. Some of the covers are optional and these are clearly marked as such. If you have selected any of these options, they will be itemised on your policy Schedule.

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Policy Summary continued

Benefits
24 hour Worldwide Medical Emergency Assistance Service Immediate help with any emergency medical situation outside the UK Cancellation Refund of non-recoverable travel, accommodation and other pre-paid costs, should you have to cancel or cut short your trip Missed Departure Additional travel and accommodation costs if you miss your departure for any reason stated within the Policy Booklet Delayed Departure Compensation if your ship, aircraft or train on which you are booked to travel is delayed

Significant or Unusual Exclusions or Limitations

Limit

Any circumstances you were aware of prior to your 5,000 trip Any travel arrangements made using Air Miles or similar schemes Any costs which are recoverable from elsewhere Claims due to strike or industrial action planned at the time you booked your trip Internal UK flights including flights to the Channel Islands, Northern Ireland or the Isle of Man 1,000

Claims due to strike or industrial action planned at the time you booked your trip Internal UK flights including flights to the Channel Islands, Northern Ireland or the Isle of Man

215

Abandonment Proportionate refund of unused non recoverable costs, should you have to abandon your trip Delayed baggage Benefit for temporary loss of baggage on your outward journey Lost, Stolen or Damaged Baggage Cover for loss or damage to personal belongings

You must check in at the specified time and have travelled to the airport/port/station As per Cancellation 5,000

Any baggage detained by customs and other officials

250

300 single article limit 500 valuable limit Losses not reported to the police as soon as possible when discovered

2,500

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Policy Summary continued

Benefits
Emergency Medical and Associated Expenses Payment for expenses of medical emergency treatment outside of the UK following injury or illness. Includes repatriation Hospital Benefit A benefit of 25 for each 24 hour period you are being treated as an in-patient outside of the UK Personal Accident Payment for death, loss of limbs or total disablement following accidental injury Criminal Injury Benefit Benefit paid for injuries sustained as a result of violence or crime Substitute Accommodation Additional accommodation and transport costs if you need to move to substitute accommodation during your trip Enforced Stay Cover if you are unable to reach your destination, return to your accommodation or return home Loss of Passport Cover for costs incurred obtaining a temporary travel permit if your passport is lost or stolen while you are abroad Personal money Loss or theft of money including cash, travellers cheques, passport, pre-paid tickets and driving license

Significant or Unusual Exclusions or Limitations

Limit
10,000,000

Illness as a result of a tropical disease where you have not had the recommended inoculations Hospital and repatriations costs which have not been authorised by our Medical Emergency Assistance Service

Any leisure or sport activity not listed as being covered in your Policy Booklet As per Emergency Medical and Associated Expenses 1,000

A reduced rate applies to those under 16 years or 30,000 over 70 years of age

Any claim arising directly or indirectly from acts of 30,000 terrorism

Any claim if your trip is booked as part of a package holiday Any costs which are recoverable from elsewhere

5,000

Any costs which are recoverable from elsewhere 1,500 Any costs where the transport operator has offered reasonable alternative travel arrangements Losses not reported to the police as soon as possible when discovered

350

Reduced rate of 300 for cash Losses not reported to the police as soon as possible when discovered

500

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Policy Summary continued

Benefits
Replacement Flight Additional costs if you need to replace a flight due to your scheduled airline becoming insolvent after departure Pet Care Benefit for each day your cat or dog receives in-patient veterinary treatment as a result of accidental injury while you are away Hijack and Mugging Cover for each day you cannot reach your destination as a result of hijack or are receiving inpatient treatment due to mugging Air Rage Cover for costs incurred as a result of a delay caused by drunkenness or violent behaviour by other passengers Personal Liability Cover for legal liability if you cause injury or death to third parties or damage to their property Legal Expenses and Advice Cover for legal costs incurred following your personal injury or death during your trip

Significant or Unusual Exclusions or Limitations

Limit

Any claim if your trip is booked as part of a 1,500 package holiday Any claim for scheduled flights not booked in the UK Any costs which are recoverable from elsewhere, i.e credit card issuer Your cat or dog has not been left in the care of a relative, friend or professional carer

300

A claim not supported by a written police report

1,000

1,000

Any leisure or sport activity not listed in your Policy 2,000,000 Booklet Your ownership or occupation of land or buildings (except occupation of temporary holiday accommodation) The insurer will only cover claims which occur 50,000 during the period of insurance and have reasonable prospects of succeeding Any matter you realised may have occurred before entering into this contract Any costs incurred before your claim has been accepted Please refer to the 'Legal Expenses and Advice' section of your Policy Booklet

Other important Significant Exclusions and Limitations of this policy

1. 2. 3. Cover is excluded for any pre-existing medical conditions, unless declared to and accepted by us. Certain sections of this policy are subject to an excess, which is applied per person, per section, per claim. See your Policy Booklet for details. Any specific exclusion or limitation shown on your quote Schedule (please refer to the General Exclusions section of your Policy Booklet). 8 of 10

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Duration of Cover
The policy will remain in force for the period of insurance shown on the policy Schedule.

Cancellation within the first 14 days

No right to cancel exists where all cover will have ended in a period of less than one month from the date of commencement. In all other cases you have the right to cancel your policy within 14 days of receiving your policy documentation. If you wish to do so, you will be entitled to a full refund of the premium paid. Please note that if you have made a claim and subsequently wish to cancel your policy, we may recover the monies paid to you in settlement of the claim. If you wish to cancel your policy and the insurance cover has not yet commenced you will be entitled to a full refund of the premium.

Right of cancellation
If after 14 days you have not cancelled your policy, we will assume that you have accepted the terms and wish your policy to continue for the agreed period of cover. If this policy no longer meets your needs you have the right to cancel it at any point during its duration but no refund of premium will be available. You can telephone us on 0845 302 0211 or write to us at Saga Services Limited, Middelburg Square, Folkestone, Kent, CT20 1AZ to cancel your policy. Cancellation is effective from the date your letter is received. Saga Services Limited may cancel this policy by giving you seven days notice by recorded delivery letter. We will send this to your last known address.

Making a claim
For medical emergencies call (+44) 20 8763 4878 from abroad and 0845 300 3555 from the UK. For all other claims call 0845 300 3560 from the UK and (+44) 2920 320 808 from abroad. For legal expenses and advice call 0845 366 1100, 24 hours a day, 365 days a year.

Making a complaint about a claim

If you have a claim related query or complaint or you are dissatisfied with the service that FirstAssist Insurance Services Limited has provided please contact: Saga Travel Claims Manager, PO Box 1037, Oakleigh House, 14-16 Park Place, Cardiff CF11 1HU, call 02920 320 808 or email sagaclaims@cl-uk.com. If you have a query or complaint regarding the handling of a claim under the 'Legal Expenses and Advice' section of the policy please contact: The Senior Partner, Parabis Law LLP, 8 Bedford Park, Croydon, Surrey, CR0 2AP or call 0845 366 1100 The Financial Ombudsman may look into your complaint if you remain dissatisfied after we have reviewed it. However, if we have not provided a final response within eight weeks you can refer your complaint straight to the Financial Ombudsman Service.

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Financial Services Compensation Scheme
Saga Services and Great Lakes Reinsurance (UK) PLC are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Further information about compensation scheme arrangements is available from the FSCS website:www.fscs.org.uk

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