3. IF WE CHANGE YOUR HOLIDAY
The arrangements for holidays are made many months in advance and changes are sometimes necessary. We reserve the right in our absolute discretion to make these. Most would be minor, usually minor changes to departure times, or some accommodation facilities may be withdrawn. When any changes affect your holiday we will do our best to advise you before your departure. If your accommodation has to be changed we will do our best to provide alternative accommodation of higher official classification. Major changes are those including changes to your UK airport (except between Gatwick and Heathrow), resort area, time of departure or return by more than 12 hours. Your choices in this circumstance are: 1. Accepting changed arrangements as advised/notified to you. 2. Purchasing another available holiday from us. 3. Cancelling your holiday. If you choose 1 or 2, compensation will be paid on the scale shown below. If you choose 3, we will refund all money you have paid, plus compensation on the scale below.

Period before scheduled departure within which a major change is notified to you.	Compensation per person
BEFORE 56 DAYS	NIL
56-43 DAYS	£10.00
42-29 DAYS	£20.00
28-15 DAYS	£30.00
14-0 DAYS	£40.00

IMPORTANT NOTE
If changes apply caused by reason of war, riots, civil strike, terrorist activities, industrial disputes, fire, natural disasters, technical problems to transport, closure of airport’s and similar events, Blue Bay Golf Holidays Limited cannot be held responsible for compensation.

4. IF WE CANCEL YOUR BOOKING
We reserve the right in our absolute discretion to cancel your holiday. In this event you will be offered the choice of an alternative holiday of at least comparable standard or a full refund of any monies you have already paid.

5. PERSONAL INJURY (UNCONNECTED WITH ARRANGEMENT MADE BY US)
The Company will not accept responsibility if there has been no fault on the part of the Company or its suppliers and loss, death or personal injury is suffered that is attributable to your own acts or omissions, to the acts or omissions of a third party not involved with providing the services which make up your holiday or to the unusual or unforeseeable circumstances whose consequences could not have been avoided or anticipated. If any client suffers death, illness or injury whilst overseas arising out of activity which does not form part of the inclusive holiday arrangements arranged through us, we shall, at our discretion offer assistance, provided we are advised of the incident within 90 days of the occurrence. Where legal action is contemplated, our authority must be obtained prior to commencement of proceedings and be subject to your undertaking to assign any costs recovered or any benefits received under an appropriate insurance policy to ourselves. All assistance is provided subject to a maximum total cost to ourselves of £5000 per booking.

6. OUR COMPLAINTS PROCEDURE
We will always do our best to resolve amicably any complaints. If this cannot be done, you are entitled to take advantage of the Chartered Institute of Arbitrators. They provide a simple and inexpensive method of arbitration on documents alone with restricted liability on the customer in respect of costs. The scheme does not apply to claims for an amount greater than £1,500 per person or £7,500 per Booking Form or to claims which are solely or mainly in respect of physical injury or illness. Redress requires written notice requesting arbitration to be made within nine months of the scheduled date of return from the holiday.

7. CONDITIONS OF CARRIAGE
Transport on an aircraft, coach or ship is subject to the conditions of carriage of that company, some of which limit or exclude liability. These conditions are often the subject of international agreements between countries and copies of the conditions which apply to your holiday journey may be available for inspection either at our offices or at the office of the carrier concerned. By its contract with you, Blue Bay Golf Holidays Limited does not enter into an agreement for carriage by air but only undertakes to reserve on your behalf accommodation on board an aircraft operated by one or other of the airlines mentioned, or such other airline as may be substituted.

8. OUR LIABILITY TO YOU
Blue Bay Golf Holidays Limited accepts responsibility for those arrangements for your holiday we have confirmed and which are wholly within our control and therefore accepts liability to clients for the negligence of our employees, agents, sub-contractors and suppliers whilst acting in the scope, or in the course of their employment in respect of claims arising as a result of death, bodily injury or illness caused to any passenger. This excludes air and sea carriers performing any domestic, internal or international carriage of any kind, which is subject to international conventions and therefore limit liability. If you find you have any dispute with employees, agents, sub-contractors or suppliers, we will give you such reasonable help as we can in resolving this.

9. PASSPORTS AND VISAS
Passengers are personally responsible for ensuring that they are in possession of a valid Passport, together with any Visa/Vaccination Certificates which may apply.

10. CHECK-IN TIMES
Clients are required to present themselves for check-in time as shown on the itinerary prior to the scheduled departure of the aircraft. Air tickets are only valid for the person stated there on, both outward and return sections must be used.

11. CONSUMER PROTECTION
The holidays and flights in this brochure are ATOL Protected, since we hold an Air Travel Organiser’s Licence granted by the Civil Aviation Authority. Our ATOL number is ATOL 6143. In the unlikely event of our insolvency, the CAA will ensure that you are not stranded abroad and will arrange to refund any money you have paid to us for an advance booking. For further information, visit the ATOL website at www.atol.org.uk.

YOUR COMMITMENT TO Blue Bay Golf Holidays Limited
1. BOOKING
All bookings are accepted by Blue Bay Golf Holidays Limited on receipt of a completed booking form, including all passengers names, accompanied by a deposit of £80 per person (package), plus any appropriate insurance premiums and signed. Blue Bay Golf Holidays Limited will forward to you a written confirmation/invoice which acts as our acceptance of the booking in accordance with these conditions and this creates a legal contract.

2. PAYMENT
You pay the deposit or, if you book within 10 weeks of departure, the total cost of your holiday. You will receive a Final Invoice showing the total cost of your holiday. This must be paid not later than ten weeks before your departure date. No further reminder is sent to you and, if the balance remains unpaid by then, we reserve the right to cancel your booking and to make a cancellation charge as shown in the table. Please note there is currently a 2% (3% from 10th September 2005) surcharge on all credit/ charge card payments. There is no surcharge on Delta/ Switch/ Connect cards.

3. IF YOU CHANGE YOUR BOOKING
If after your booking has been accepted you wish to transfer to a different holiday, change departure date or alter any detail on the Booking Form we shall do our utmost to satisfy your requirements. However, an alteration fee will be charged. Any change to the details on the Booking Form within six weeks of departure will incur a Cancellation Charge as set out in Section 4 unless the new flight/holiday departs on or before the original departure date. The normal charge of £20.00 per person will then be made. Insurance premiums are not transferable or refundable.

4. IF YOU CANCEL YOUR HOLIDAY
You or any member of your party may cancel your booking or part of it once it has been confirmed, but the instructions will only be valid if in writing. Your written instructions should be sent immediately to our office. The person who signed the Booking Form must also sign the letter. To compensate us for the expense of processing your booking and for the risk that we may not be able to resell the flight/holiday, we charge a cancellation fee on the scale shown in the table. The amount payable (by whoever signed the Booking Form) depends on when we receive your written instructions – the more notice you give, the less we will charge. No shows will rank as a cancellation on the departure date. Once a ticket has been issued the cancellation charge is 100%. Should your reason for cancellation fall within the terms of our/your own insurance policy, you may be able to reclaim the majority of these charges. As well as the above charges, under occupancy supplements may apply to other members of a party where a member or members of that party cancel.

Period before scheduled departure within which you cancel.	Amount of cancellation charge (shown as % of total holiday price excluding insurance)
BEFORE 56 DAYS	DEPOSIT
56-29 DAYS	50%
28-22 DAYS	70%
21-15 DAYS	80%
14-4 DAYS	90%
3 DAYS OR LESS	100%

5. INSURANCE
We strongly recommend that all our clients take an insurance to cover the duration of the trip abroad. To assist you we provide a comprehensive insurance plan.

6. IF YOU HAVE A COMPLAINT
Should you have reason to complain about any aspect of your booking with the company, any such complaint must be made in writing to Blue Bay Golf Holidays Limited within 28 days of your return to the UK.

7. YOUR HOLIDAY ACCOMMODATION AND TRANSPORT
We have reserved accommodation and flights only for the use of passengers named on the Booking Allocation. Subletting, sharing and assignment is prohibited and may be illegal.

8. GOLF CANCELLATION
Cancelling any tee times within 5 weeks of the date of play will incur a 100% charge.

INSURANCE
PLEASE NOTE THAT THIS INSURANCE IS ONLY AVAILABLE TO UK RESIDENTS
We strongly recommend that you and all members of your party are adequately insured as soon as you book your holiday. Indeed it is a condition of booking that you must have insurance cover at least equivalent to that described below. We have arranged a special scheme with Travel & General Insurance Services limited, underwritten by All Seasons Underwriting Agencies Limited. Below is a summary of cover and benefits available under the insurance. An insurance certificate containing a more detailed summary will be sent to you with your confirmation of booking. In any event you may ask for a specimen copy of the insurance wording should you wish to examine this in advance.

Premiums

to 05 days	£18.00
6 to 10 days	£20.00
11 to 17 days	£26.00
Children under the age of 17 on departure	50% of the adult premium if accompanied by an Insured Adult.
Children under the age of 3 on departure	Free if accompanied by an Insured Adult.
Persons aged 65-75 travelling to Europe	Double the above premiums.
Persons aged 65-75 travelling worldwide	Triple the above premiums.
The above premiums are inclusive of 17.5% Insurance Premium Tax which is adjustable on any amendment to that tax or it’s rate

Insurance Cover And Limits

Section A - Cancellation/Curtailment	Up to £3,000
Section B - Medical Expenses	Up to £1,000,000
1) Including - Hospital Benefit	£10 Per day Up to £300
Section C - Personal Accident	Up to £15,000
Section D - Travel Delay
1) £20 for the first 12 hours £10 for each 12 hours thereafter	Up to £100
2) Cancellation after 24 hours	Up to £3,000
3) Missed Departure	Up to £150
Section E - Baggage & Personal Effects	Up to £1,000
1) Delayed Baggage (After 24 hours)	Up to £100
Section F - Personal Money	Up to £500
Section G - Passport indemnity	Up to £250
Section H - Personal Liability	Up to £1,000,000
Section I - Legal Expenses	Up to £10,000
Section J - Golf Course Closure	Up to £250
Section K - Own Golf Equipment	Up to £2,500
Section L - Hole in One Cover	Up to £100
Section M - Delayed Golf Equipment	Up to £100
Section N - Hired Golf Equipment	Up to £500
Section O - Loss of Green Fees	Up to £200

Excesses
Sections A, B, D(2), E, F,K & N are subject to an excess of £40 per person per claim

Loss of deposit - £20 per person per claim, Delayed baggage & Hospital Benefit - Nil

The following is only a brief summary of the cover provided by your insurance, you must refer to the policy document that is issued to you for full details of the terms, conditions and exclusions relating to the policy. Your selling agent is responsible for ensuring that the cover provided is suitable for your needs, and that the main features of this insurance are explained to you. If you have any queries about the cover provided please contact your selling agent for advice and assistance, and please read the important notice following the summary of cover below.

A. Summary:
Covers charges made if your trip is cancelled prior to departure, or provides a proportional refund of (calculated from date of return to the United Kingdom) if the holiday is curtailed. Cover is provided for specified reasons only such as your illness or that of your close relative.

B. Summary:
Covers emergency medical expenses necessarily incurred outside the United Kingdom following a new illness or injury occurring during the holiday including the cost of additional travel and accommodation charges plus the cost of repatriating the Insured’s remains in the event of death. A daily benefit of £10 is payable whilst the Insured is an in-patient in a hospital abroad to cover incidental non-medical costs.

C. Summary:
Payable as a result of accidental bodily injury to the Insured. Benefits are: Death - £15,000 (£1,500 if under 16 years or over 65 years) Loss of one or more limbs or sight in one or both eyes or Permanent Total Disablement - £15,000 (not available to persons over 65 years)

D. Summary:
If departure is delayed by 24 hours or more (due to specified reasons only) a benefit of £20 will be paid, and a further £10 per 24 hours of delay is payable. A holiday cost refund under Section A is payable if the holiday is abandoned after the first 24 hours of delay.

E,F & G.
Summary: Loss of or damage to personal belongings. The single item limit is £200, Valuables (as defined) limited to £200 in total. Money (as defined) includes traveller’s cheques and tickets, loss of cash is limited to £200. You will be required to produce a police report or airline (or other carrier) report and proof of ownership in the event of a loss. Exclusions apply to unattended items and money or valuables packed in luggage outside of your personal control, e.g checked into an airline or left in a car.

H. Summary:
Legal liability for accidental bodily injury to any person not employed by the Insured or loss of or damage to property not belonging to nor in the charge of the Insured. Cover is not provided for any claims arising from your professional activity or from the use of motor cars and other powered vehicles, seacraft or aircraft.

I. Summary:
Legal costs and expenses incurred by the Insured in pursuing compensation arising from death or personal injury during the Period of Insurance. Cover is not provided for claims brought against insurance companies, travel agents or tour operators

UNACCOMPANIED CHILDREN
If you have chosen the option of a family policy, the insurance provided extends to cover your children under 18 years of age travelling with an insured adult on the same policy. Children travelling without an insured adult are not covered by this policy and should be separately insured.

WHAT TO DO IN THE EVENT OF A SERIOUS MEDICAL EMERGENCY
You will find in the insurance certificate full details of Your 24 Hour Medical Emergency Service operated by Voyager Worldwide Assistance. In the event of a serious medical situation whilst on holiday, you must contact the 24 Hour service on the numbers provided. Simple outpatient treatment should be paid locally and claimed for on your return to the United Kingdom. Should you need to curtail your holiday for any reasons, you must seek prior authorisation from the 24 Hour Emergency Service who will assist you with all arrangements.

WHAT TO DO IF YOU NEED TO MAKE A CLAIM
For all claims other than emergency medical and curtailment claims, please contact: Van Ameyde & Wallis Limited 0208 466 6034

TRAVEL INSURANCE - IMPORTANT NOTICE
All Seasons Underwriting Agencies is a member of the General Insurance Standards Council (GISC) and acts as an intermediary on behalf of the insurer who is Fortis Insurance Ltd. Fortis Insurance Ltd is also a member of the GISC and the Association of British Insurers, and part of the Insurance Ombudsman scheme. As members of the GISC we are committed to ensuring that our customers are treated fairly, and that you are given enough information to help you make an informed decision before you make a commitment to buy your insurance policy. Under the GISC General Insurance Code for private customers, your attention is drawn to important features of your policy including:

• Insurance Certificate: your selling agent will provide you with a policy document, you should read the document carefully as it gives you full details of what is and what is not covered and the conditions of the cover. A sample policy wording is available to you before you purchase the insurance if you ask your agent for one.
• Conditions, Exclusions & 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.
• Health/Pre-existing Medical Conditions: For any chronic or serious or ongoing medical condition for which you have received treatment or have been a hospital in-patient during the twelve month period immediately preceding the date of issue of your insurance certificate, or where you are on a hospital waiting list for in-patient treatment you must contact the healthcheck line. Cover for these conditions will only be provided following the healthcheck lines acceptance. Claims arising from pregnancy where the period of the holiday terminates less than two months before the due date of delivery are excluded, as are claims arising from any state of anxiety, depression or psychiatric or psychological condition. To obtain underwriters terms please contact the healthcheck line on 020 8315 0736. N.B. You are responsible for all costs incurred in submitting the report to the healthcheck line.
• In addition any circumstances known to you either prior to or after effecting the insurance which may give rise to a claim including significant changes in your circumstances (such as your state of health or that of a person on whom your travel arrangements may depend) must be made known to Travel & General as soon as possible. Failure to do so may invalidate your claim.
• Hazardous Pursuits, Dangerous Sports or Pastimes: if you are going to take part in dangerous activities, sports or pastimes where there is a risk of injury, or can be expected to aggravate an existing infirmity, please contact Travel & General to check that your policy covers you. Additional premiums or exclusions may apply.
• Property Claims: these claims are paid based on the value of the goods at the time you lose them and not on a “new for old” replacement cost basis. Claims for sports equipment damaged whilst in use are not covered. Loss of damage or property not belonging to you is also not covered.
• 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 insurance certificate if you intend taking expensive items with you. Items such as camcorders and all items over £250 should be fully insured under your Household policy.
• Policy Excesses: under most sections of the policy, claims will be subject to 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.
• Reasonable Care: you need to take all reasonable care to protect yourself and your property, as you would if you were not insured.
• Complaints: your insurance certificate will have in it a Complaints Procedure which tells you what steps you can take if you wish to make a complaint.
• 'Cooling Off' Period: your insurance certificate contains a “cooling off” period of 14 days during which you can return the policy and get a refund if you have a justifiable reason for being dissatisfied with the cover it provides.

  Your policy is governed by English Law.

DATA PROTECTION ACT
The information that you supply to us will only be used by us to assess whether we will provide you with insurance cover or assessing any future claim you may make. Information may be passed to the insurer of your policy or the specified claims handler or emergency assistance service for the purpose of managing your claim. The information we store will not be passed to any other third parties, and you have a right to access under the terms of the Data Protection Act.

PLEASE MAKE SURE YOU READ YOUR INSURANCE POLICY CAREFULLY