The last thing you want your family to worry about during times of tragedy is paying outstanding bills.
With PHC, should the principal Member pass away a once off R3000 is deposited into the Member's
Holiday Club Membership Fee Account.

Have you ever experienced the disappointment of looking forward to a relaxing breakaway only to
have to cancel at the last minute due to unforeseen circumstances, like suffering an incapacitating
illness, injury or hospitalisation, or even a death in your travelling party? Should any of these unfortunate
circumstances occur, PHC will replace your confirmed reservation's Points so that you can enjoy your
holiday at another time.

You are also covered should your holiday period be cut short by more than half due to the above
unfortunate reasons, Premium Holiday Cover will ensure that you receive a portion of your confirmed
reservation's Points back that may be used towards another holiday.

Natural disasters are as unpredictable as life - make sure you're not caught off-guard. If mother nature
decides to spoil your holiday PHC will replace your used Points so that you can enjoy your holiday at a
better time.

As an example of what PHC can do for you we refer to the widely publicised fires in the greater St Francis
Bay Marina during 2012. The fire ravaged the area destroying over 80 homes amongst which were 7 of the
11 timeshare units at our Royal Wharf Resort. As a result of this family holidays were cancelled leaving
many Members disappointed. However, for those members with PHC this was merely an inconvenience
as the Points for this lost accommodation was replaced so that the holidays could be re-booked elsewhere.