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| Karma Claims Guarantee |
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| Karma is a trading name of P J Hayman & Company Limited who are authorised and regulated by the Financial Services Authority. Our Registration number is 497103. You can check this on the FSA's register by visiting the FSA's website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234. |
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| Registered Office: Stansted House, Rowlands Castle, Hampshire, PO9 6DX. Registered in England No. 2534965. |
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Travel - Legal Insurance  |
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| What you need to cover for but you are not usually insured for: |
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 | What happens if your dream holiday or important trip turns into a nightmare?
There are more complaints in my one year against Tour Operations, Airlines, Hire Car Companies and Hotels than in any other area.
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| As an Independent Traveller you are not protected by the Package Tour Directive. Booking through a Travel agent does not protect you if your Flight / Travel and Accommodation are booked separately. You do not have the time, money or patience to sue people if things go wrong.
If you book on the internet you are ever more exposed as some suppliers are not even UK based.
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| Booking through a Travel Agent does not protect you
a) If you book your hotel and flight separately as the Package Travel Directive does not apply.
b) You are not protected against the failure of the Hotel, Airline or other operator or the hire car company.
c) You do not have the time, money or the patience to sue the causes of the problem if things go wrong.
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| Karma offers you Traveller’s Legal Expenses cover for only £5.25 per policy (not per person) or 0.85 per month an our Multi–Trip policies – Our cover is backed by one of the UK’s leading Law Firms and gives you £25,000 cover. |
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| Karma provides FREE OF CHARGE cover against of your Hotel or Accommodation Provider, Airline or Transport Provider and Hire Car Company. – Complete Passenger Protection. |
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| Why doesn’t anyone else do this?
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| Insurers are often providing cover to the leading tour operators and airlines; they see the cover we offer as detrimental to their larger client’s interests. Karma looks after you first!
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| Our unique plastic membership card provides all the information you need to make a claim at home or abroad and is easy to carry with you so if anything happens it is on your person.
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Why Karma?
- Instant quote and cover
- Easy monthly payments
- Complete on-line service
- Eco friendly
- Our unique claims guarantee for your complete protection
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Remember
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| The average family throws out six trees in packaging and waste paper every year – please respect our environment and be green by example, only print this information and attachments if you have to. Thank you. |
| Every purchase you make with Karma helps the World Land Trust to conserve our environment.
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