Essential Information All reservations are subject to Saga's booking conditions which will be sent to you with your holiday confirmation and are available in advance upon request by calling us on 0800 504 505 for Saga ocean cruises, 0800 302 9015 for non-Saga ocean cruises or 0800 300 600 for all other holidays or visiting our website travel.saga.co.uk. The holiday contract is subject to English law and the exclusive jurisdiction of the English courts. You may however choose the law and jurisdiction of Scotland or Northern Ireland if you live there and wish to do so. The holiday contract is created 14 days following your receipt of the written holiday confirmation. Price: The prices shown in our brochures should be used as a guide only, are based on current charges and costs and may go up or down. We reserve the right to alter the prices of any of the holidays shown in our brochures or introduce supplements at any time, and will notify you of the current price prior to any booking please call us or visit our website for the most up-to-date prices. Our holidays, and the prices at which they are advertised are always subject to availability and supplements may apply. Prices can be influenced by taxes such as (where relevant) air passenger duty, aircraft insurance, security, fuel and other associated costs. Prices can also be affected by exchange rates, availability, suppliers' costs and economic trends. You will be advised of any differences to any elements of the holiday, including the price, before your booking is confirmed. After you've made a booking, we can only change your holiday price in very limited circumstances relating to the United Kingdom's decision to leave the European Union. In any event, we guarantee that there will be no change to the price within 20 days before the date of your departure (unless you amend your booking). We can only increase the price of your holiday if there has been a change in the cost of the carriage of passengers resulting from changes to the cost of fuel or other power sources, the level of taxes or fees imposed by third parties including tourist taxes, landing taxes or embarkation or disembarkation fees at ports and airports or exchange rates, each as a result of the United Kingdom's decision to leave the European Union. We will also absorb, and you will not be charged for, any increase equivalent to 2% of the price of your travel arrangements, which excludes insurance premiums and any amendment charges. You may be charged for the amount over and above that. If this results in an increase equivalent to more than 8% of the price of your travel arrangements, you will have the option of accepting a change to another holiday if we are able to offer one (we will refund any price difference if the alternative is of a lower value), or cancelling and receiving a full refund of all monies paid, except for any amendment charges. Should you decide to cancel you must do so within the time period shown on your final invoice and we will provide a refund of insurance premiums paid to us if you can show that you are unable to transfer or reuse your policy. Should the price of your holiday go down due to the cost changes mentioned above, then any refund due will be paid to you. We will deduct from this refund our administrative expenses incurred. Please note that travel arrangements are not always purchased in local currency and some apparent changes have no impact on the price of your travel due to contractual and other protection in place. We reserve the right not to be legally bound in the case of incorrect pricing and acknowledgement of such an error does not mean acceptance of it. Please note that local taxes are not included within the holiday package price and where necessary these will need to be paid locally by you. We will wherever possible advise you at the time of booking if these apply, but please bear in mind that local taxes may be imposed after you have made your booking. Should you choose not to proceed this will be treated as a cancellation. Special offers: In the case of discounted prices and other special offers, please note that there are only a limited number of places available at the special offer prices. We reserve the right to reduce, extend or withdraw the offers at any time, without notice. What we describe: We have planned to use economy class on flights. Advertised amenities, included and optional excursions, entertainment and activities may change or become unavailable. We will notify you of any known changes at the time of booking. Final details of optional excursions will be provided in the passenger itinerary or shore excursion booklet sent to you before you travel although we cannot guarantee they will be available during your holiday. Please also note that changes may be made to the particulars within the brochure at any time after publication. Price Promise (Saga Pearl II, Saga Sapphire, Spirit of Discovery and Spirit of Adventure only): Should we ever reduce our prices or bring in a new special offer after you book (optional ad-hoc services are excluded), we'll work out the difference and pass the value of the saving back to you. This applies as long as the discounted holiday is exactly the same package offered under exactly the same terms of sale (which means the full terms that apply to your holiday contract, including your cabin grade and whether your cabin is allocated at the time of booking or at embarkation). In calculating any possible saving due, we'll take into consideration all offers and discounts that were applied at the time of booking and compare the overall price that you've been charged with the current price. We will pass on the value of the saving in the form of a higher grade cabin, on-board credit or other value added benefit. Age qualification: Saga holidays are for anyone aged 50 and over. A travelling companion or family member travelling with you may be aged 40 or over. Please note there may be non-Saga guests (including children) in residence during your holiday, for whose behaviour we cannot accept responsibility. Paying for your holiday: Deposits: When you make your booking, you must pay a deposit payment. The following deposits are payable per person when you book your holiday: Europe and the Mediterranean holidays and river cruises £150 or 10% of the holiday cost, whichever is the greater; Long haul holidays £175 or 10% of the holiday cost, whichever is the greater; UK holidays £60 (plus £8.50 if you require the optional insurance and additional cancellation rights see below); Ocean cruises £200 or 15% of the holiday cost, whichever is the greater, up to a maximum of £1,000; Oberammergau 2020 An initial deposit of £200, plus a further deposit of £400 is payable 300 days before departure. Certain holidays may require an additional or higher non-refundable deposit or full payment. You will be advised if this is the case at the time of booking. Balance: The balance of the price of your travel arrangements must be paid at least: 90 days before departure for Saga ocean cruises aboard Saga Sapphire, Saga Pearl II, Spirit of Discovery or Spirit of Adventure; 56 days before departure for holidays in mainland Britain of five nights or more; 28 days before departure for holidays in mainland Britain of less than five nights, and for Christmas and New Year holidays in mainland Britain; 75 days before departure for all other holidays unless otherwise stated at the time of booking and on your confirmation invoice. Unless you are otherwise advised, bookings made after the balance due date (as set out above) must be paid in full at the time of booking and we cannot confirm your booking until full payment is received. Payments can be made by credit card, debit card or by cheque. If the deposit and/or balance is not paid in time, we reserve the right to cancel your travel arrangements. If the balance is not paid in time, we shall retain your deposit to cover costs incurred. Card and cheque fees: There is no charge for payments made by debit card, credit card or American Express. Each cheque is subject to a £3 administrative charge and should be made payable to Saga Holidays with your name, address and booking reference written on the back. Please send cheques to Saga Holidays, Enbrook Park, Folkestone, Kent CT20 3SE. Your financial protection and peace of mind: 66 NHL-GH9080 HOLS & RIV NOV 2018PEAKS All the flights and flight-inclusive holidays in this brochure are financially protected by the ATOL scheme. When you pay you will be supplied with an ATOL Certificate. Please ask for it and check to ensure that everything you booked (flights, hotels and other services) is listed on it. Please see our booking conditions for further information or for more information about financial protection and the ATOL Certificate go to: www.caa.co.uk. ST&H Limited and Saga Cruises Limited provide full financial protection for their package holidays. 1. For flight-based holidays this is through our Air Travel Organiser's Licence number 0308 issued by the CAA of 45-59 Kingsway London WC2B 6TE www.caa.co.uk, telephone 0333 103 6350, email email@example.com. When you buy an ATOL protected flight or flight inclusive holiday from us you will receive an ATOL Certificate. This lists what is financially protected, where you can get information on what this means for you and who to contact if things go wrong. We will provide you with the services listed on the ATOL Certificate (or a suitable alternative). In some cases, where we aren't able to do so for reasons of insolvency, an alternative ATOL holder may provide you with the services you have bought or a suitable alternative (at no extra cost to you). You agree to accept that in those circumstances the alternative ATOL holder will perform those obligations and you agree to pay any money outstanding to be paid by you under your contract to that alternative ATOL holder. However, you also agree that in some cases it will not be possible to appoint an alternative ATOL holder, in which case you will be entitled to make a claim under the ATOL scheme (or your credit card issuer where applicable). If we are unable to provide the services listed (or a suitable alternative, through an alternative ATOL holder or otherwise) for reasons of insolvency, the Trustees of the Air Travel Trust may make a payment to (or confer a benefit on) you under the ATOL scheme. You agree that in return for such a payment or benefit you assign absolutely to those Trustees any claims which you have or may have arising out of or relating to the non-provision of the services, including any claim against us, the travel agent (or your credit card issuer where applicable). You also agree that any such claims may be re-assigned to another body, if that other body has paid sums you have claimed under the ATOL scheme. 2. When you buy a package holiday that doesn't include a flight, protection is provided by way of a bond held by ABTA The Travel Association of 30 Park Street London SE1 9EQ www.abta.com, telephone 0203 758 8779, email firstname.lastname@example.org. For further information, please see www.abta.com. Calls from UK landlines cost the standard rate, but from mobiles may be higher. Check with your network provider. Please note that items not purchased through Saga will not be protected. ST&H Limited is also licensed by the Irish Commission for Aviation Regulation (Licence No. T. A. 0598) to carry on business in the Republic of Ireland as a travel agent. Insufficient bookings: Our `Guaranteed Departures' will not be cancelled due to insufficient demand. If we need to cancel any other holiday due to insufficient demand, we will do so before the balance due date. Optional ad-hoc services: We provide you with the option to specifically request extras which are in addition to, or adaptations of, our standard packages. Prices for optional ad-hoc services such as extensions, extra accommodation, upgrades, additional flights that are not part of a standard Saga allocation and domestic flights (`ad-hoc service') can vary depending on when you book. Please note that adding an ad-hoc service may result in additional non-refundable charges to our standard packages due to changes in flight dates, changes to our standard allocated accommodation periods and additional costs passed to us from third party suppliers. They may also result in an additional or higher non-refundable deposit being payable. You will be notified of the total price of your holiday and any increase to your deposit prior to booking. Passports and visas: You will need a valid passport for all overseas holidays featured. As requirements vary and can change without notice, we strongly advise that your passport is valid for at least six months after the end of your holiday. We recommend that you have at least three blank pages in your passport to cover potential immigration formalities which may be required in some countries. If you are a full British citizen resident in the UK for the majority of destinations, if required, Saga will obtain your visa or tourist card free of charge (postage is not included). We will advise you at the time of booking where you are responsible for obtaining your own visa. For Chinese visas, Saga will send you the paperwork and you will be responsible for purchasing your visa. If you are aged 71 or over at the time of application, you can purchase your visa online. If you are aged 70 or under, you will need to purchase your visa at a Chinese visa centre. For Russian visas, Saga will obtain the paperwork and you will be responsible for purchasing the visa at the Russian visa centre. Should you be unable to obtain a visa for whatever reason and as a result are unable to travel, our usual cancellation fees apply. For passengers cruising into Libya, a group visa will be issued on arrival in Libya for all holders of UK passports, allowing you to go ashore independently and on an organised shore excursion. Passengers holding a US or Swiss passport will not be able to enter Libya. Passports must be valid for at least six months and must not contain evidence of a visit to Israel. For passengers cruising into Algeria, a group visa will be issued prior to arrival for all holders of UK passports, allowing you to go ashore on an organised excursion only. Because of this, all Algerian excursions must be pre-booked. Passports must be valid for at least six months and must not contain evidence of a visit to Israel. It may be necessary for you to arrange your own individual visas for independent travel in some ports. Full details of the process will be provided with your booking confirmation. An application pack will be sent to you approximately 60 days before you travel (90 days for Russia). In order to obtain your visa, it is important that we receive your passport and any applicable documentation in good time before your holiday starts. If you return these documents late, you may incur an additional charge. For further information about passports and Saga's visa service call Saga on 0800 525 290 or email email@example.com. If you are telephoning from outside the UK, please call +44 (0)1303 771138 (please note that this is not a freephone number). It may be necessary for you to arrange your own individual visas for independent travel in some ports. If you are not a full British citizen resident in the UK you must confirm your nationality or status at the time of booking. Your specific passport and visa requirements, and other immigration requirements are your responsibility and you should confirm these with the relevant Embassies and/or Consulates. We do not accept any responsibility if you cannot travel because you have not complied with any passport, visa or immigration requirements. Travel advice: The British Foreign and Commonwealth Office Travel Advice Unit provides up-to-date advice and safety information for British nationals travelling abroad. Please visit fco.gov.uk/travel for further information. The EU publishes a list of airlines that are subject to an operating ban within the European Community. To view it go to www.europa.eu and search for `banned airlines'. Health formalities: We will advise you with your holiday confirmation of any vaccinations that are required as a condition of entry to the country(ies) that you are visiting. We recommend that you consult your doctor at least 12 weeks before departure, and they will advise you about any other vaccinations required. You may also wish to refer to government health advice for your destination at fco.gov. uk/en/travel-and-living-abroad/travel-advice-by-country/ or call the 24-hour phone line 0845 850 2829 calls cost 4p per minute with BT; other network prices may vary. Please note: In the interest of health and safety of fellow passengers, it is a condition of travel on our cruise ships that passengers must use the hand sanitisers provided when embarking and disembarking, and while on board, the ships. Mobility and assistance: Cruise ships have a limited number of cabins adapted for use by those with restricted mobility and are limited as to the number of disabled passengers or passengers with reduced mobility that they can carry. Cruise lines reserve the right to refuse the carriage of any person if carrying such a passenger would breach any applicable safety requirement or law. Cruise lines also reserve the right to refuse carriage if the design of the vessel and/or the port infrastructure and equipment would make carriage unsafe or not operationally feasible. Cruise lines reserve the right to require that a disabled passenger or a passenger of reduced mobility is accompanied by another fare paying person capable of providing assistance to ensure compliance with any applicable safety requirement or law or if the design of the vessel and/or the port infrastructure and equipment means that a disabled passenger or person of reduced mobility cannot be carried in a safe or operationally feasible manner without the assistance of another person. Please advise us at the time of booking if you or any member of your party has reduced mobility, requires a specially adapted cabin or would require assistance in an emergency, or as soon as possible before departure should there be a change in circumstances. This is essential for travel by sea or inland waterways, as a risk assessment may need to be carried out prior to your departure. In the same respect, for land based holidays we need to be made aware of any special requirements that may affect your holiday as our representatives will only be able to provide support in an emergency. If you do not inform us of such a condition we will not be liable if an airline or cruise line refuses to accept you or any member of your party as a passenger. Under European law, if you are disabled or have difficulty moving around, you can receive assistance when you fly. This free service is available to anyone with mobility problems, for example, because of your disability, age or a temporary injury. To take full advantage of the service you need to book at least 48 hours in advance of your flight. Please contact us as soon as possible prior to your departure. You can also visit our website at travel.saga.co.uk. Please note that personal daily care cannot be provided by any member of staff. Data protection: Any personal data you provide will be held securely and for the purpose you have provided it, in accordance with data protection legislation. We may need to disclose personal data to a third party including outside the European Economic Area (EEA) for the purpose of providing your holiday. In addition, your data may be disclosed to regulatory bodies or public authorities, such as customs or immigration, for the purposes of monitoring and/or enforcing compliance with any regulatory rules/codes; and it may be used for marketing, offering renewals, research and statistical purposes and crime prevention. Where you provide information about another person, we accept it on the basis that you have their permission to give us access to their personal data (including special category personal data) and that you have told them who we are and what we will use their data for, as set out above. If Saga has obtained your permission to do so, they will also contact you by post, telephone, email or other means to tell you about offers, products and services that may be of interest to you. At any time you can opt out of receiving such information, revise the products you would like to hear about or change the method they use to communicate with you. You can update these preferences by calling 0800 092 3665. For further information about how the Saga Group uses your personal information, please visit saga.co.uk/privacy-policy or contact the Saga Group Data Protection Officer by email: firstname.lastname@example.org or post: The Saga Building, Enbrook Park, Sandgate, Folkestone, Kent CT20 3SE. Bookings made 18 months or more before departure: This section only applies to holidays offered with optional travel insurance and additional cancellation rights. Our optional travel insurance and additional cancellation rights cannot be offered with holidays booked more than 18 months before departure. Customers who wish to include the optional travel insurance and additional cancellation rights will have their booking held until 18 months before the departure date. Should you need to cancel prior to your booking being confirmed, a full refund will be available. Once within 18 months of departure, the optional travel insurance and additional cancellation rights can be added and the holiday confirmed. This is subject to the normal insurance policy conditions and Saga's booking conditions. Optional travel insurance: For UK residents only, insurance, underwritten by Great Lakes Insurance SE, UK Branch, is offered with all our overseas holidays, river cruises and ocean cruises unless otherwise stated and subject to terms and conditions. A policy document will be sent with your confirmation invoice. A summary of the cover is shown below. (For holidays in mainland Britain please call for a summary of cover). Summary of cover 1. (a) Medical Expenses up to £5,000,000 (b) Hospital Benefit £20 per day (max. £500) 2. Curtailment up to £7,500 for holidays and river cruises, up to £10,000 for European ocean cruises, up to £50,000 for worldwide ocean cruises 3. 4. 5. Personal Accident up to £15,000 Criminal Injury Benefit up to £100,000 (a) Baggage up to £1,500 or up to £2,500 for ocean cruises i) Single Article limit £250 or £300 for ocean cruises ii) Overall Valuables limit £350 (b) Temporarily Lost Baggage over 12 hours up to £100 or up to £150 for ocean cruises 6. Money and Documents up to £500 Cash limit £200 7. Loss of Passport Expenses up to £200 8. Personal Liability up to £1,000,000 9. Missed Departure up to £500 (Europe), up to £1,000 (worldwide) 10. Travel Delay - Transport (a) Deposit/Cancellation Charges up to £7,500 (b) Compensation up to £150 11. Legal Expenses (claims for compensation for personal injury or death) up to £50,000 For sections 1(a), 2, 5(a), 6 and 10(a) above, the first £70 of each and every claim is excluded. Please note that the optional travel insurance and additional cancellation rights are only available for overseas holidays where the included cruise, flights or ferry elements of the holiday are taken. If you arrange your own travel abroad, you will not be covered and should make alternative arrangements. If you feel you need increased baggage cover please check your home contents insurance policy first, as most people can have their personal possessions insured under this policy while they are away. Insurance policy document If you choose to take the insurance we will send you the insurance policy document with your holiday confirmation/ invoice, or you can call us to request it earlier. If the policy does not meet your requirements, you are entitled to cancel at any time prior to your date of departure. The policy document contains full details of the cover provided, our complaints procedure, terms and exclusions we recommend that you read it carefully. Additional cancellation rights: Where you have chosen to include the optional travel insurance the following rights apply: For the purposes of this section, the following definitions apply: Business Associate Someone who works at your place of business and who, if you were both away from work at the same time, would prevent the business from running properly. Close Relative Your marital/common law partner (defined as living together at the same address and including same sex relationships), parent, parent-in-law, child, grandchild, son-in-law, daughter-in-law, brother, sister, brother-in-law, sister-in-law or fiancé(e). Home The address where you live permanently in the UK. You/Your The person(s) named on the booking invoice/ holiday confirmation issued by Saga. Summary of rights: We will refund all the money you have paid to us, less an administration fee of £80 (£60 for UK holidays) per person if the cancellation is due to: (a) unexpected illness or death of you or a member of your party. (b) death or disablement (by accidental bodily injury or sickness) of your Close Relative or Business Associate, or of any person with whom you had arranged temporarily to reside during your holiday. (c) jury service, attendance solely as a witness at a court of law or redundancy (provided your employment has been on a continuous full time basis with the same employer for at least 24 months). (d) accidental damage to your home through fire, storm or flooding within 14 days of the planned departure date, rendering it uninhabitable. We will deduct the cost of any UK connecting or domestic flights and any cancellation charges from the suppliers of any ad-hoc service from any money refunded to you. You must send us a valid medical certificate for (a) or (b) above or the relevant official documentation for (c) or (d) as soon as is practicable, otherwise we will be unable to refund you. All travel documents must be returned to Saga. If you cancel for other reasons, you must still notify Saga in writing and you will be subject to any relevant cancellation charges as set out in section 7 and the table in section 9 of our Booking Conditions. We will not be liable for cancellations when, at the time of booking the holiday, the person whose condition gives rise to the cancellation: (i) had an illness in the past 12 months that has required treatment from a doctor, unless the condition was disclosed to and accepted by us; (ii) is travelling against the advice of a medical practitioner or for the purpose of obtaining medical treatment abroad; (iii) is receiving, on a waiting list for, or has knowledge of the need for in-patient treatment for any condition unless the medical condition for which you are on a waiting list for inpatient treatment has been disclosed to us and accepted by us. Should you cancel as a direct result of you undergoing the inpatient treatment for which you are on a waiting list additional cancellation rights will not be provided; (iv) is expected to give birth 12 weeks (16 weeks in the case of multiple pregnancy) before your planned return date; (v) has been given a terminal prognosis by a medical practitioner. We will not cover any medical condition of a Close Relative or Business Associate whose health may affect your decision to travel if you were aware of it prior to booking your holiday. We will not be liable for cancellations arising directly or indirectly from: (i) acts of terrorism in countries to which the Foreign and Commonwealth Office has advised against travelling; (ii) an accident or breakdown of the vehicle in which you are travelling for which a professional repairer's report is not provided; (iii) breakdown of any vehicle in which you are travelling if the vehicle is owned by you and has not been serviced properly or maintained in accordance with the manufacturer's instructions; (iv) withdrawal from service (temporary or otherwise) of an aircraft or sea vessel on the recommendation of the Civil Aviation Authority or a Port Authority, or any similar body in any country; (v) redundancy caused by, or resulting from, misconduct leading to dismissal, from resignation or voluntary redundancy, or where a warning or notification of redundancy was given prior to the date the optional insurance was purchased by you; (vi) suicide or attempted suicide, intentional self-injury, the effect of intoxicating liquors or drugs or flying other than as a passenger in a fully licensed passenger carrying aircraft. This exclusion applies not only to the insured persons but also to Close Relatives or other persons whose health may affect your decision to travel or cut short your trip; (vii) any circumstance arising after the date of booking, but prior to the date of issue of the optional insurance policy purchased by you.