RURAL CONCIERGE acts as an introducer to Everywhen. Everywhen acts as an introducer to David Oliver Associates for travel insurance policies.

This means that RURAL CONCIERGE does not provide advice on travel insurance and is introducing you to Everywhen, who in turn provides access to David Oliver Associates to obtain a quotation and arrange cover.

Important Information About Travel Insurance

We believe that travel insurance is an important consideration when planning your holiday. You should consider the potential consequences of not having appropriate cover in place, including the financial impact of cancelling your trip or requiring medical treatment whilst travelling.

Taking out a travel insurance policy can provide reassurance that, should something unexpected happen before or during your holiday, you may have access to assistance and the ability to make a claim, subject to the policy terms and conditions.

We are not providing advice or a recommendation. We are simply introducing you to a facility where you can obtain a quotation and purchase travel insurance if you wish.
You are free to arrange travel insurance through any provider of your choice.

The below provides a summary of the key features and exclusions of the policy. Further details of what is and isn’t covered can be found in the Insurance Product Information Document and policy wording available via the link below.

Key Features

* Single Trip policies available for trips of up to 364 nights

* Underwritten by Inter Partner Assistance S.A. UK Branch, part of the AXA Group

* Wide range of medical conditions covered

* No upper age limit

* Cover trips booked up to a year in advance

* Disruption to Travel covered as standard

* Flexible levels of cover to choose from

* Cancellation & Curtailment up to £10,000 per person

* Integrated Medical Screening (no need to call anyone else!)

* Cruises covered as standard

* Cancellation covered if you are unfit to travel due to Covid-19

Cancellation

Cover if you need to cancel or cut short your trip as a result of medical reasons, redundancy, Foreign, Commonwealth and Development Office advice, insolvency of accommodation provider.

Medical and Repatriation Expenses

Cover for expenses you incur during a trip due to you suffering unforeseen injury due to an accident, illness, disease and/or compulsory quarantine.

Baggage

Cover in the event of something happening to your suitcases (or containers of a similar nature), their contents or your personal money. There is no cover for loss, theft of or damage to valuables, cash, important documents or personal money left unattended or from luggage checked in with an airline.

Exclusions to cover also include

* Any amount recoverable from any other source such as your airline, accommodation provider, ATOL bond or debit/credit card provider.

* Your inability to travel due to your failure to hold, obtain or produce a valid passport or any required visa in time for the booked trip.

*Any claim where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic.

How to Obtain a Quote

To find out more or to obtain a single trip or annual multi-trip quotation with David Oliver Associates, please call 01371 705159 or go online:

https://everywhenpip.b2ctravel.co.uk

By following this link, you will be taken to a David Oliver Associates website.

Regulatory Information

Everywhen act as an introducer to David Oliver Associates. This policy is arranged and administered by David Oliver Associates and underwritten by Inter Partner Assistance SA UK (Part of the Axa Group).

David Oliver Associates is authorised and regulated by the Financial Conduct Authority. FCA No. 796609. Full details can be found online in the Financial Services Register or by contacting the FCA on 0800 606 1234. © 2025 David Oliver Associates. All rights reserved.

Everywhen is a trading name of Advisory Insurance Brokers Limited which is authorised and regulated by the Financial Conduct Authority. Registered in England No. 4043759. Registered address 2 Minster Court, Mincing Lane, London, EC3R 7PD FCA No. 313250.