WHAT ARE CONDITIONS FOR TAKING POLICY 1. Terms and Conditions

At Worldwide Dive and Sail we commit to all the services offered in any of our literature and promotional materials. The following terms and conditions form the basis of a contract with our customer and Worldwide Dive and Sail. This is the customers‟ commitment to our company, and our commitment to our customers.

 Definitions:

Unless otherwise indicated, all references to: ‟us‟, ‟we‟ or ‟our‟ refer to Worldwide Dive and Sail. Likewise, any references to: ‟you‟, refer specifically to Worldwide Dive and Sail‟s prospective and actual clients. Clients are defined as persons who undertake to employ any of Worldwide Dive and Sail‟s services. All references to expeditions include our dive trips, and extras including PADI dive courses.

56

 Payment of Balance:

To receive confirmation of your booking, the customer must pay a minimum of 30% deposit or payment in full. The remaining balance will be due no later than 60 days before the departure date of your diving expedition. Bookings made within 2 calendar months of the departure date of your expedition must be paid in full at the time of the booking. We reserve the right to consider the contract cancelled by you if any payment is late.

For the convenience of all our guests we accept payment in Euro, GBP and US$.

We use XE.com to determine the rate of exchange at the time of your booking.

Please note that the revised trip cost in GBP or US$ will remain for the duration of your booking regardless of currency fluctuations between the time of booking and your trip departure.

 Changes by you:

For a booking, if change of expedition date is requested we will try to accommodate your date change within our space availability. If we are unable to meet your date change requirements, normal conditions apply for cancellations.

We always reserve the right to refuse any change of expedition date once a deposit has been made by you.

 Cancellations by you:

You are entitled to cancel your holiday at any point. All cancellations are to be made in writing, and the following charge will apply: Any cancellation made up to 2 calendar months before the sailing departure date, the customer will forfeit 30%

of the trip price.Any cancellation made after 2 calendar months prior to sailing departure date, the customer will forfeit 100% of the trip price.Any extra bookings

57

such as transfers and hotels may be 100% non-refundable and will be treated on a case-by-case basis. You may of course, make a claim on your insurance if your cancellation comes within the terms of the policy. When undertaking a contract with us as a group, the leader binds the whole group contractually. If any person cancels from within the group and that persons place cannot be substituted for any reason, the group will be liable for the full cancellation charges for that person and any other costs incurred.

 Single Supplement:

The single supplement applies if single occupancy is requested. Single occupancy will be charged an additional 80% of that trip rate for individual bookings. Where the yacht has been booked as a full charter by a group, the single supplement rate payable will be decided by the group leader or boat charterer.Single occupancy is subject to availability.Single guests who by default occupy a cabin to themselves and who did not request the single occupancy, will not be charged the additional single supplement rate.

 Responsibility/ Supervision/ Behaviour/ Damage & Disturbance:

On group bookings, the party leader accepts full responsibility for the good conduct of all participants during the expedition. The party leader also accepts responsibility for ensuring that all members of his/her group carry adequate insurance for their diving activities. We cannot be held responsible for ensuring that their client(s) have adequate travel insurance. Furthermore, we cannot be held responsible for costs arising due to failure of obtaining such a policy.

58

If any equipment or property belonging to us or our suppliers is damaged or lost, we reserve the right to make a charge to make good the damage or loss. The members of the party will be deemed to be jointly and severable liable for any such damage and in certain cases (at our discretion) a damage deposit may be taken at the time of issue or occupation. You will be liable for any damage caused while using Worldwide Dive and Sail services.

 Alcohol consumption:

There are times when alcohol consumption is not responsible or appropriate.

Alcohol should be avoided prior to sunbathing or swimming as it causes dehydration and increases the chances of an incident.The consumption of alcohol before diving with us is not permitted. If alcohol is consumed before diving against our advice, we will have no further responsibility of you, and at our discretion, we may repudiate our contract with you.

 Non-prescription Drug Use:

Worldwide Dive and Sail holds a strict policy against drug possession and drug use on our yachts. We remind you that drug possession and use within Thailand is a serious offence. We reserve the right to take appropriate action against customers using drugs aboard our yachts.

 Medical Requirements:

All passengers scuba diving whilst on holiday may be required by Worldwide Dive and Sail to complete a medical questionnaire. If we are in any way unsure of your fitness to dive, you will be required to undergo a medical examination. This may result in extra cost for which you will be charged locally. No refunds will be given if you are refused medical clearance to dive. You are strongly advised to undergo a

59

full medical examination before booking your holiday.For a copy of our medical questionnaire, please if you currently hold a diving medical be sure you take it with you.

 Pregnancy:

All females who are over 28 weeks pregnant must have a valid medical fitness certificate prior to travel. Once 32 weeks of pregnancy has passed it is no longer acceptable to travel by air. If you or a member of your party is pregnant always seek doctor‟s advice on whether such a service is safe. If your GP advises against taking such a service, then we accept no liability for you throughout the trip. This also applies to any person whose GP advices against participating in one of our services.

 Qualified Divers:

If you are a qualified diver be sure to take your certification card and log book with you. If it has been a while since your last dive a review dive may be required by us subject to our discretion and you will be charged according to our advertised rates.

 Airport Arrival:

In light of increased airport security it has become necessary to extend pre-flight check in times to 3 hours prior to the scheduled take-off time for your flight. If you fail to check in on time the airline is within its rights to refuse your travel. We cannot accept responsibility if this situation arises and any costs or losses incurred will be your responsibility. You may of course make a claim under the terms of your insurance policy.

 Delays:

60

We cannot accept any liability for delays in your flight from or to your point of origin whether the cancellation or delay is caused by adverse weather conditions, re-scheduling by the airline, airport authority and / or action by air traffic controllers, mechanical breakdown or industrial action. Also, we can not be held liable for delay of departure or lost diving days due to baggage being lost, stolen or delayed by the airline carriers. You should check that these eventualities are covered within your insurance policy.

 Passports, Visas and Vaccinations:

Any individual entering into contract with us is entirely responsible for obtaining a full passport (valid for at least 6 months after the return date from your travels), visa and any vaccinations required. You must contact your GP in good time to arrange this. We recommend that all travelers check with the relevant embassies to ensure your entry into their country. We cannot accept any liability or costs if you are refused entry into any of our destinations.

 Diving and Weather Conditions:

Unfortunately weather patterns are hard to predict. In light of this you will have to accept that on some occasions at the discretion of the Divemaster or Instructor it may not be suitable or safe to conduct diving activities at your chosen diving location. On our yachts an alternative itinerary may be necessary if weather conditions prove too difficult for diving. We cannot be held responsible or liable for weather patterns and the resulting loss of diving days, courses or activities. You may of course make a claim under the terms and conditions of your insurance policy.

61

 Liability:

We will accept full liability for acts and/or omissions of our employees be they negligent or otherwise, in carrying out their contractual obligations. In addition we accept responsibility should the service fall below a reasonable standard or prove deficient, or unsafe.We cannot be held liable for any loss of the duration of your stay and diving days as a result of incidences beyond our reasonable control.

62

Conclusion

The Indian market offers significant top-line growth opportunities due to younger country demographics and working population, an increasing customer base, and regulations that maintain the development of a financially sound industry. As regulations extend further, insurers need to acclimatize their products and business models accordingly. Since time is running out, managing this large scale product portfolio transition while minimizing disruption to business continuity requires the regulator and industry players to work in tandem.