TERMS AND CONDITIONS (Print this Page)

HOLIDAYGUARD.COM is an online service which allows you to book, quote, print or download your insurance documents online over the internet. Please note that no documentation will be sent to you by post.

Any insurance booked is governed by the rules laid out below.

Purpose of this site
The purpose of this Web site is to provide you with a quotation for your travel insurance requirements and allow you to purchase our insurance coverage certificates online.

We cannot be held responsible for you incorrectly specifying your requirements though we will endeavour to make any adjustments that are possible.

Your insurance certificate will be emailed to you and it is your responsibility to ensure you enter the correct email address when making the purchase. HolidayGuard is in no way responsible in the event the email has been entered erroneously.

Any and all information on this site is copyrighted to its respective owners.


Your Obligations
Please ensure that ALL terms and condition are read and understood. Please ensure that you have your documentation in good time before your departure. We cannot be held responsible for your failure to do so.


Policy Declaration
Please ensure that you download or print a copy of the schedule of benefits and policy wording by clicking on the documents link at the top of the page. It is important that you read the policy document carefully, to ensure that the cover you have taken is adequate for your needs.

By purchasing this policy you are declaring that:

  • You have read, understood and accepted the terms outlined in the POLICY Document and the Eligibility requirement.
  • The information you have provided is error free and truthful to the best of your knowledge and belief, and that any omission or information to the contrary may invalidate all or certain parts of the cover.
  • You understand and accept that HolidayGuard will not pay for any costs whatsoever incurred due to pre-existing medical conditions, as they are not covered by this policy. Any and all incidents caused by pre-existing medical conditions are also not covered by this policy.
  • You accept and understand that the insurance certificate purchased will only be sent to the email address you have submitted. Consequently HolidayGuard is in NO WAY liable for non-delivery of the of the insurance certificate in the event the email address submitted by you is invalid, non-operational or inaccessible to you for any reason. It is your responsibility to ensure that the email address you submit is error-free, valid and accessible to you.


If you are in doubt as to what constitutes a material fact or have any questions related to the cover or the policy wording, please fill out the form 'Contact Us' form below


Policy Purchase, Cancellation And Amendment
All policies must be purchased prior to your leaving your country of domicile, and must cover the entire trip including both the outward and return journeys.  The period of cover can  not be changed once the journey / trip has commenced.

Once the insurance policy has been purchased and the insurance certificate has been issued it may not be cancelled unless otherwise agreed. Amendments to the certificate details will only be considered in the event of genuine errors or omissions. Any requests for amendments or cancellation of the certificate must be made from the email used to purchase the certificate. Any amendments or cancellations resulting from such email requests will be considered final and binding. All refunds will only be reimbursed to the card used to purchase the policy.


Eligibility
Residents of Bahrain, Kuwait, Oman, Qatar, Saudi Arabia and United Arab Emirates are eligible to purchase the cover for return journeys.

HOLIDAYGUARD IS VALID FOR INTERNATIONAL & DOMESTIC TRAVEL.

If you need further clarification/s, please fill out Contact Us form below.

HolidayGuard and its Underwriters WILL NOT entertain or settle any claims arising from policies that have been purchased through fraudulent means.