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& weddings
Honeymoons and weddings abroad are tailor-made by Expressions Holidays. Contact us for a range of honeymoon and wedding destinations around the world and an amazing choice of honeymoons from island-hopping to visiting cultural sites.

With Authentic Experiences from Expressions Holidays you enter a world of genuine holiday and travel experiences within the framework of one of our tailor-made holidays, be its significance culture, gastronomy, wine appreciation, wildlife, sports or special occasions.

Expressions Spas opens a world of tailor-made spa holidays that allows you to choose according to region, type of treatment desired, product type and recommends for your party type, whether it be for couples, singles or perhaps mothers and daughters travelling together.

Expressions Families affords you an amazing choice of sophisticated resorts ideally suited to families in selected destinations worldwide. You can also choose according to required facilities in resort and we suggest holidays for families with grandparents and single parent families too.

Expressions Holidays offers you tailor-made rail holidays and journeys by train, including luxury trains, scenic journeys and classic rail tours.

Tailor-made journeys and tours for individuals and small groups to selected destinations around the world from Burma to Italy, from Vietnam to India.
  • Booking conditions

    Booking conditions

    1. Your holiday contract
    Your holiday contract is with Garland Hoff Ltd of Lynx House, Pynes Hill, Exeter EX2 5JL, registered in England no 2328857 (“the Company”). All bookings with the Company incorporate the Booking Conditions set out below and are deemed to have been accepted in full by you and all members of your party on whose behalf a booking is made. The person making the booking warrants that he/she has the authority of all other persons included in the holiday to make the booking on their behalf. A contract is made when we send our Confirmation of your booking with Confirmation Invoice to you. We may not be able to confirm some arrangements immediately (e.g. Spa treatments or rail journeys). Although, we may issue a Confirmation Invoice, a contract for any arrangements which have not been confirmed on that invoice will only be made when we confirm that those additional arrangements have been completed. If there are any changes to details discussed at the time of booking, before the Confirmation Invoice is issued, we will notify you. If anything on your Confirmation Invoice is incorrect you must immediately tell us or your travel agent. If there is an obvious error on the Confirmation Invoice we reserve the right to correct it as soon as we become aware of it. If this is unacceptable to you, you will be entitled to cancel your arrangements and receive a full refund provided you have not yet travelled. Your contract with the Company and any matters arising from it will be governed by English law and subject to the jurisdiction of the Courts of England and Wales, unless you are resident in Scotland or Northern Ireland, in which case you may choose to bring your claim in those respective jurisdictions and be governed by their respective laws (but if you do not so choose, English law will apply.

      2. Your financial protection
     We hold an Air Travel Organiser’s Licence issued by the Civil Aviation Authority (ATOL number 3076). 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, or the suppliers identified on your ATOL Certificate, will provide you with the services listed on the ATOL Certificate (or a suitable alternative). In some cases, where neither we nor the supplier are able to do so for reasons of insolvency, an alternative ATOL holder may provide you with 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, or the suppliers identified on your ATOL certificate, 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. 

    *The flights and flight-inclusive holidays we arrange are ATOL protected providing they are made available in the UK. For further information visit the ATOL website at

    The Association of Bonded Travel Organisers Trust Limited (ABTOT) provides financial protection under the Package Travel, Package Holidays and Package Tours Regulations 1992 for Expressions Holidays, and in the event of our insolvency, protection is provided for the following: 1. non-flight packages commencing in and returning to the UK; 2. non-flight packages commencing and returning to a country other than the UK; and 3. flight inclusive packages that commence outside of the UK, which are sold to customers outside of the UK. 1, 2 and 3 provides for a refund in the event you have not yet travelled. 1 and 3 provides for repatriation. Please note that bookings made outside the UK are only protected by ABTOT when purchased directly with Expressions Holidays.

    We are also members of the Association of Independent Tour Operators (AITO) and of ABTA (ABTA number W1080). We are obliged to maintain a high standard of service to you by ABTA’s Code of Conduct. For further information about ABTA, the Code of Conduct and the arbitration scheme available to you if you have a complaint (see clause 13), contact ABTA at 30 Park Street, London, SE1 9EQ or see

    3. Your holiday price and payment
     All prices in our written quotations, in our brochure and on our website are per person in £ sterling unless otherwise stated. We reserve the right to alter our prices and/or other particulars shown in our brochure or on our website. You will be advised of the current price of the holiday that you wish to take before your contract is confirmed.  

    When you make a booking with us you must pay a non-refundable deposit (usually 10% of the holiday price with a minimum of £300 per person for holidays costing up to £6000). This must be received by the Company within 5 days of the booking application but if a booking is made within twelve weeks of departure the total cost of the holiday must be sent to the Company. Holidays including flights or travel arrangements with advance ticketing deadlines and holidays to some hotels for certain times of the year or touring holidays may require a higher initial deposit level or staggered deposits or even an earlier date for the balance payment - this will be made known to you at the time of booking. The deposit is accepted as part payment and the balance is due to the Company at least twelve weeks before the date of your departure from the United Kingdom. However, before your balance payment is due you may receive a revised invoice taking into account any variations (such as an increase) in transportation costs or local dues or taxes. If, for any reason, the balance is not received by us by the date due, we reserve the right to cancel your holiday at that date, in which case you will forfeit your deposit payment. If you ask us to hold the booking pending payment and then you fail to pay, higher cancellation charges will apply, as the date of cancellation will be the date requested by you as the revised date for payment.

    Except for flight inclusive bookings, all monies you pay to one of our authorised travel agents for your holiday with us will be held by the agent on your behalf until a contract between us comes into existence. After that point, your agent will hold the monies on our behalf until they are obliged by our conditions to be paid to us. For flight-inclusive bookings, all monies paid to one of our authorised travel agent for your holiday with us will be held on behalf of and for the benefit of the Trustees of the Air Travel Trust subject to the travel agent’s obligation to pay such monies to us in accordance with our trading terms unless we fail. In the unlikely event of our financial failure, all monies then held by the travel agent or subsequently paid by you to the travel agent will be held by the agent on behalf of and for the benefit of the Trustees of the Air Travel Trust without any obligation on the agent to pay such monies to us.

    American Express and Diners Club will not be accepted as means of payment from 1 January 2018.

    Once you have paid your deposit there will be no changes in the price of your holiday except that, changes in transportation costs, including the cost of fuel, dues, taxes or fees chargeable for services such as landing taxes or embarkation or disembarkation fees at ports and airports may cause the price of your travel arrangements to change after you have booked. There will be no change within 30 days of your departure. We will 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 will be charged for the amount over and above that, plus an administration charge of £1.00 per person together with an amount to cover agents’ commission. If this means that you have to pay an increase of more than 10% 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 (if this is of equivalent or higher quality you will not have to pay more but if it is of lower quality you will be refunded the difference in price), or cancelling and receiving a full refund of all monies paid, except for any amendment charges. We will consider an appropriate refund of insurance premiums paid if you can show that you are unable to transfer or reuse your policy. Should you decide to cancel for this reason, you must exercise your right to do so within 14 days from the issue date printed on your final invoice. Should the price of your holiday go down due to the changes mentioned above, by more than 2% of your holiday cost, then any refund due will be paid to you. However, 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.  

     4. Changes and cancellations made by you
     You may cancel your holiday arrangements at any time. Any cancellation by you of your holiday may be notified to us by telephone but must be followed in writing from the person who made the booking. Cancellation will take effect from the date it is received at the Company’s offices. Cancellation only by telephone is not acceptable. Since we incur costs in cancelling your holiday arrangements, all cancellations are subject to cancellation charges as follows:


    Amount of notice you give the Company before the scheduled departure date:  Amount of cancellation fee expressed as a  % of total holiday price:
     More than 84 days  Deposit monies paid

     83-64 days

    64-49 days

     40% or loss of deposit monies paid (whichever is greater)

    50% or loss of deposit monies paid (whichever is greater)

     48-32 days  60% or loss of deposit monies paid (whichever is greater)
     31 days and less  100%


    If, after our confirmation invoice has been issued, you wish to change your travel arrangements in any way, for example your chosen departure date or accommodation or transfer of your booking to another person, we will do our utmost to make these changes but it may not always be possible. Any request for changes must be in writing from the person who made the booking or your travel agent. You will be asked to pay an administrative charge of £50 per person, and any further cost we incur in making this alteration. You should be aware that these costs could increase the closer to the departure date that changes are made and you should contact us as soon as possible. Certain arrangements (e.g. some flight and transport tickets, or prepayments made to hotels) cannot be changed after a reservation has been made and any alteration, even a name change, may incur a 100% cancellation charge of the cost of the flight or other item. Subject to this, if you are prevented from taking the holiday you have booked, you may transfer it to another person provided you authorise us in writing to make the transfer and the person to whom it is transferred agrees to comply with the terms of the existing booking and you remain liable for making payment to us of all monies due including costs we incur in transferring the booking. No transfer can be made within 14 days of departure.

    5. Abandonment of your holiday
    If you choose to abandon the arrangements made by us on your behalf and instead to make your own arrangements, the Company accepts no liability and no refunds will be made for the services you choose not to take unless the Company is at fault. Abandonment of your holiday may also be deemed to have taken place if you miss your outward means of transportation through no fault of the Company although the Company will assist in whatever way it can to make new arrangements for you. You would have to pay for any costs incurred. Travel tickets and hotel or car-hire vouchers are only valid for the dates shown and cannot be transferred to different dates.

    6. Our commitments to you for package holidays
    The following clause applies where you buy a package holiday as defined by The Package Travel, Package Holidays and Package Tours Regulations 1992.
    (i) Where you do not suffer personal injury or death, the Company accepts liability should any part of your package booked with us not be as described in the brochure or not be of a reasonable standard. Subject to (iii) below, the Company will pay you compensation. Our liability in all cases shall be limited to a maximum of 3 times the original cost of your travel arrangements.
    (ii) Where you suffer death or personal injury as a result of an activity forming part of your package booked with us and paid for in the UK, we accept responsibility, subject to (iii) below, but where such death or personal injury arises in the course of air travel, sea travel, rail travel or hotel accommodation, the Company’s liability and/or the amount of compensation you will receive will be limited in accordance with the provisions of any relevant International Conventions, and the Company will have the benefit of any limitation of compensation and/or liability contained in these conventions as if it were the carrier in question, including, for example, the Warsaw Convention 1929 (as amended) and the Montreal Convention for travel by air and/or for airlines with an operating licence granted by an EU country, the EC Regulation on Air Carrier Liability No 889/2002 for national and international travel by air, the Athens Convention in respect of travel by sea (as amended by the 2002 protocol where applicable), COTIF, the Convention on International Travel by Rail and the Paris Convention in respect of the provision of accommodation. Further, your journey will be subject to the carrier’s conditions of carriage, some of which may exclude or limit liability. Copies of the International Conventions and Conditions of Carriage are available on request.
    (iii) The Company accepts liability in accordance with (i) and (ii) above except where the cause of the failure in your holiday arrangements or any death or personal injury you may suffer is not due to any failure on the part of the Company or its servants, agents or suppliers to use reasonable skill and care in making, performing, or providing, as applicable, your contracted holiday arrangements, or was your own fault, or is attributable to the actions of someone unconnected with your holiday arrangements or due to unusual or unforeseeable circumstances or events which could not have been anticipated or avoided by the Company or its servants, agents or suppliers even with the exercise of all due care. These events include, for example: war, threat of war, riot, civil strife, political unrest, terrorist activity, industrial disputes, alteration to the schedules of flights by airlines, natural disaster, fire, weather conditions such as hurricanes and floods, acts of any port, airport, governmental or public authority, technical problems to transport, aircraft grounding, nuclear disaster, epidemic or outbreaks of illness. Please note it is your responsibility to show that reasonable skill and care has not been used if you wish to make a claim against us.
    (iv) It should be noted that acceptance of liability on the part of the Company referred to in (i), (ii) and (iii) above is subject to assignment by you of your rights against any individual or Company which is in any way responsible for the failure of your holiday arrangements or any death or personal injury you may suffer.

    7. Our responsibility for arrangements not forming part of a package
    Where you do not buy a package holiday from us but book only one element of your holiday arrangements, such as accommodation or transport, our responsibility is solely to ensure that the element booked with us is as described by us and is of a reasonable standard. We shall have no responsibility for any arrangements which you make yourself.

    8. Excursions and activities not forming part of a package
    Where you book an optional excursion or activity whilst on your holiday, or where the Company makes excursion or activity arrangements as agent on your behalf, whether before departure or whilst in resort, and you make payment for this directly to the relevant supplier, your contract will be with that supplier subject to its terms and conditions and will be subject to the law and jurisdiction of the country where the supplier is situated. The Company accepts no liability for any negligence or breach of contract on the part of the excursion/activity supplier, nor for any failure in your excursion or activity arrangements, or any death or personal injury you may suffer. Some excursions/activities may contain an element of risk or require a good level of physical fitness and, if in doubt, you should make direct enquiries of the local supplier before deciding to buy and check that you are covered by your travel insurance policy. If you, or any member of your party, suffer death, illness or injury whilst overseas arising out of an activity which does not form part of your package travel arrangements, we shall at our discretion, offer advice, guidance and assistance. Where legal action is contemplated and you want our assistance, you must obtain our written consent prior to commencement of proceedings. We limit the cost of our assistance to you or any member of your party to £5,000.

    9. Our brochure and website
    The Company confirms that information contained in our brochures and on our website is given in good faith and believed correct at the time it is given. If any facilities referred to are withdrawn, altered or restricted we will advise you before you book or as soon as the Company is notified by the supplier of the changes. Facilities may be withdrawn for maintenance purposes or because of public holidays or adverse weather conditions, without notice to us, and the Company does not accept liability for this.

    10. Changes made by us
    When you have made your contract with the Company, the Company will use its best
    endeavours to ensure that none of the components of your holiday arrangements has to be altered. However, as the arrangements are planned many months in advance, sometimes changes may have to be made and we reserve the right to do so. Where a significant change (see below) is made, you will be informed as soon as reasonably possible, if there is time before our departure. You may then cancel and receive a refund of all monies paid, or accept an offer of alternative travel arrangements of comparable standard from us, if available (we will refund any price difference if the alternative is of a lower value). In addition, the Company will pay following minimum amounts of compensation:
    Notification period                    Compensation per person:
    before departure:

    More than 12 weeks               Nil
    Between 4 and 12 weeks     £50
    Between 2 and 4 weeks        £75
    Less than 2 weeks                £100
    Compensation will not be paid where the change is caused because the minimum number of persons, on the basis of which your holiday arrangements are costed, fail to make bookings and the Company advises you in writing 84 days before your intended departure or where the company is forced to make changes because of unusual and unforeseeable events beyond the Company’s control. Infants (under 2 years of age) do not receive compensation. A significant change includes a change of departure time by more than 12 hours for holidays of 13 nights or less and more than 24 hours (but not flight delay) for holidays of 14 nights or more or a change of accommodation to a lower grade than that booked. You are obliged to inform the Company within 48 hours of receiving notification of the proposed changes of your decision. Your holiday may include the services of air carriers not owned or operated by the Company. Sometimes these services are delayed or re-scheduled. Responsibility for such delays or changes of schedule rests with the actual carrier and are subject to the terms and conditions of the carrier which may limit or exclude liability - see Clause below.

    11. Cancellations made by us
    The Company reserves the right to cancel your holiday arrangements but will not do so less than twelve weeks before your departure date except for reasons beyond our control (these can include, for example, war, riot, industrial dispute, terrorist activity and its consequences, natural or nuclear disaster, fire, adverse weather conditions, epidemics and pandemics, unavoidable technical problems with transport) or failure by you to pay the final balance. Should the Company cancel it will give you as early notification as possible and you will then be entitled to a refund of all monies paid or accept an offer of alternative travel arrangements of comparable standard from us, if available (we will refund any price difference if the alternative is of a lower value). Compensation will be paid as in Clause 10, with exceptions also being as in Clause 10.
    The Company reserves the right to terminate your holiday without any obligation to refund or make alternative arrangements where, in our reasonable opinion or that of someone in authority such as the captain of your aircraft or the manager at your hotel, your behaviour is likely to cause danger or annoyance to others or where the Company does not receive your payment in accordance with Clause 3.

    12. If you have a complaint
    Any complaint regarding the holiday should in the first instance be reported to the owner or manager of the hotel or premises or the supplier of the services concerned immediately and should also be reported to the Company at the same time so that all reasonable steps can be taken to resolve the matter during your holiday. (Please note that overseas representatives are not employees of the Company and you should not merely report your complaint to them without informing the Company in London at the same time). The Company’s right to be able to try to remedy the situation and put things right during your holiday forms part of this contract and it is therefore your obligation to inform us of any problem during your holiday and to continue to inform us so that we can remedy the situation for you. If you fail to follow this simple procedure, we will have been deprived of the opportunity to investigate and rectify your complaint whilst you were in resort and this may affect your rights under this contract. If your complaint is still not resolved locally, notification should be made to the Company in writing and for your own peace of mind by pre-paid recorded delivery within 28 days of the date scheduled for the end of your holiday. Disputes arising out of, or in connection with your booking which cannot be amicably settled may be referred to arbitration if you so wish under a special scheme arranged by ABTA Ltd and administered independently. The scheme provides for a simple and inexpensive method of arbitration on documents alone with restricted liability on the customer in respect of costs. Full details will be provided on request or can be obtained from the ABTA website ( The scheme does not apply to claims for an amount greater than £5,000 per person. There is also a limit of £25,000 per booking. Neither does it apply to claims which are solely in respect of physical injury or illness or their consequences. The scheme can however deal with compensation claims which include an element of minor injury or illness subject to a limit of £1,500 on the amount the arbitrator can award per person in respect of this element. Your application for arbitration and other required documents must be received by ABTA within 18 months of your return from the holiday. Outside this time limit arbitration under the scheme may still be available if we agree, although the ABTA Code does not require such agreement. For injury and illness claims, you can request the ABTA mediation procedure and we have the option to agree to this. Where we act as agent, please bear in mind that your contract is with the supplier of the arrangements concerned. Unless the supplier is also a member of ABTA, only disputes relating to our actions as agent can be dealt with by the arbitration scheme or mediation procedure and not complaints about the arrangements themselves or the acts / omissions of the supplier.

    13. Flights
    In accordance with EU Regulation 2111/2005 we are required to advise you of the actual carrier operating your flight/connecting flight/transfer. We do this by listing carriers to be used or likely to be used in our brochure and/or on our website. Any changes to the actual airline after you have received your tickets will be notified to you as soon as possible and in all cases at check-in or at the boarding gate. Such a change is deemed to be a minor change. Under EU law (Regulation 261/2004) you have rights in some circumstances to refunds and/or compensation from your airline in cases of denied boarding, cancellation or delay to flights. Where applicable, you must pursue the airline for the compensation or other payment due to you. All sums you receive or are entitled to receive from the airline concerned by virtue of these Regulations represent the full amount of your entitlement to compensation or any other payment arising from such cancellation, delay, downgrading or denied boarding. This includes any disappointment, distress, inconvenience or effect on any other arrangements. The fact a delay may entitle you to cancel your flight does not automatically entitle you to cancel any other arrangements even where those arrangements have been made in conjunction with your flight. We have no liability to make any payment to you in relation to the Denied Boarding Regulations or in respect of any flight cancellation or delay, downgrading of any flight ticket or denial of any boarding as the full amount of your entitlement to any compensation or other payment (as dealt with above) is covered by the airline’s obligations under the Denied Boarding Regulations. If, for any reason, we make any payment to you or a third party which the airline is responsible for in accordance with the Denied Boarding Regulations, you must, when requested, assign to us the rights you have or had to claim the payment in question from the airline. If your airline does not comply with these rules you may complain to the Civil Aviation Authority on 020 7453 6888 or by e-mail to or see – Referring Your Complaint to the CAA. This brochure is our responsibility, as your tour operator. It is not issued on behalf of, and does not commit the airlines mentioned herein or any airline whose services are used in the course of your travel arrangements. Please note that in accordance with Air Navigation Orders in order to qualify for infant status, a child must be under 2 years of age on the date of its return flight. Check in and flight times are local times based on the 24-hour system. They are for guidance only and may change, especially with regard to the individual country’s daylight saving time policy. Your invoice will show the proposed flight details, and your flight tickets will show the actual details. Please check your flight details when you receive your tickets. It is recommended that you check in 3 hours before and a minimum of 2 hours before departure. Your initials and the spelling of your name must be identical on your ticket and in your passport.

    14. Data protection
    For the purpose of this clause, Data Protection Legislation means: (i) unless and until the GDPR is no longer directly applicable in the UK, the General Data Protection Regulation (EU) 2016/679) and any national implementing laws, regulations and secondary legislation, as amended or updated from time to time, in the UK and then (ii) any successor legislation to the GDPR or the Data Protection Act 1998. We acknowledge that for the purposes of the Data Protection Legislation, the Company is the data controller with respect to personal data which you provide to us or we collect from you. Where we process such personal data we shall do so in accordance with our Privacy Policy and in compliance with the Data Protection Legislation. We may process your personal data (i) as a legitimate interest of our business to provide our services to you through the Website; (ii) in order to perform the contract for services entered into with you under these Terms and Conditions. We may send you electronic or printed communications where we have received your consent to do so and such consent may be withdrawn at any time by contacting us. Our Privacy Notice sets out in further detail the categories of your personal data which we may process and our legal basis for processing it. We may process your personal data, which is either sensitive personal data or special category personal data where you have given explicit consent to the processing of such personal data for one or more specified purposes. Our Privacy Notice sets out in further detail the special categories of personal data which we may process and our legal basis for processing it. Where we use data processors we shall ensure that we enter into contracts with such data processors which are compliant with the Data Protection Legislation.

    15. Special requests
    If you have any special requests, (e.g. vegetarian meals) please let us know at the time of booking. We will pass these on to the relevant supplier(s) but cannot guarantee your special request will be met as we do not have any direct control over the manner in which services are provided.

    16. Passport, visa and health requirements
    You require a valid 10-year passport to travel to countries featured in our brochure and on our website. Your specific passport and visa requirements, and other immigration requirements, are your sole responsibility and you should contact the relevant Embassies and/or Consulates before you book. You should also consult your doctor for advice on health precautions in good time before you travel. It is your responsibility to ensure you are aware of all recommended vaccinations and health precautions in good time before departure. Details are available from your GP surgery and from the National Travel Health Network and Centre Information on health abroad is also available on For holidays in the EU/EEA you should obtain an EHIC (European Health Insurance Card) prior to departure from An EHIC is not a substitute for travel insurance. Vaccination and other health requirements/recommendations are subject to change at any time for any destination. Please therefore check with a doctor or clinic not less than six weeks prior to departure to ensure that you have met the necessary requirements and have the applicable information. It is the party leader’s responsibility to ensure that all members of the party are in possession of all necessary travel and health documents before departure. All costs incurred in obtaining such documentation must be paid by you. We cannot accept any liability if you are refused entry onto any transport or into any country due to failure on your part to carry all required documentation. If failure to have any necessary travel or other documents results in fines, surcharges or other financial penalty being imposed on us, you will be responsible for reimbursing us accordingly. The Foreign and Commonwealth Office publishes regularly updated travel information on its website
    You are advised most strongly to consult the FCO advice before booking your holiday and in good time before departure.

    17. Travel insurance
    It is absolutely essential that you and all members of your party are adequately insured (in case of illness abroad or cancellation/curtailment). If, however, you choose not to be insured you agree to indemnify the Company against all costs, losses and liabilities which the Company may incur and which are not the Company’s liability under this contract and which would have been avoided had suitable insurance cover been taken by you.                              

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