HOLIDAY INSURANCE
We believe that taking out a holiday insurance policy, albeit not necessarily the policy which we offer, is a very important part of your travel plans. Have you considered that falling ill, suffering injury following an accident or even being unexpectedly called up for jury service is not dependent on where you are planning to travel? If you have to cancel your trip and we cannot transfer your booking, we may be forced to apply our published scale of cancellation charges. Also, if you are travelling inside the UK and you’re unlucky enough to be admitted to hospital during your trip and can’t make your return journey, the NHS does not cover additional accommodation, travel or repatriation costs. Unexpected costs such as these can add up, even if a close friend or relative can bring you home. Likewise, if you’re travelling abroad, you’re probably aware that medical and associated costs can prove expensive.
This travel insurance policy is arranged by Towergate Travel.
Travel insurance policies issued before the 1st August 2023 are underwritten by ERGO Travel Insurance Services Ltd (ETI) on behalf of Great Lakes Insurance SE (GLISE). Great Lakes Insurance SE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: 10 Fenchurch Avenue, London EC3M 5BN, company number SE000083. Great Lakes Insurance SE, UK Branch, is authorised and regulated by Bundesanstalt für Finanzdienstleistungsaufsicht. Deemed authorised by the Prudential Regulation Authority. Firm Reference Number 769884. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.
Travel insurance policies issued from the 1st August 2023 are underwritten by ERGO Travel Insurance Services Ltd on behalf of Great Lakes Insurance UK Limited. Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 10 Fenchurch Avenue, London, United Kingdom, EC3M 5BN. Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 955859. You can check this on the Financial Services Register by visiting: https://register.fca.org.uk
ERGO Travel Insurance Services Ltd (ETI) is registered in England and Wales, company number 11091555. Authorised and regulated by the FCA, register number 805870 and registered office: 10 Fenchurch Avenue, London, EC3M 5BN.
Should you wish to take out this holiday insurance policy please include the appropriate premium when booking your holiday.
DAYS
|
UK *
|
EU **
|
1
|
£6
|
|
2
|
£11
|
|
3
|
£17
|
£21
|
4
|
£19
|
£26
|
5
|
£22
|
£31
|
6
|
£25
|
£33
|
7
|
£27
|
£35
|
8
|
£29
|
£39
|
9+
|
£31
|
£46
|
All Premiums are inclusive of 20% Insurance Premium Tax.
* including holidays with a Day Excursion to mainland Europe.
** including Rep of Ireland & Channel Islands.
DEMANDS AND NEEDS
This insurance policy will suit the demands and needs of an individual or group (where applicable) who have no excluded pre-existing medical conditions, are travelling in countries included within the policy terms and who wish to insure themselves against unforeseen events detailed in the cover section below. Subject to the terms, conditions and maximum specified sums insured.
IMPORTANT
We will not provide you with advice about the suitability of this product for your individual needs but will be happy to provide you with factual information.
We summarise below the details of the insurance cover provided which also includes 24-hour emergency service from Towergate Assistance. A summary of the cover is detailed below. Full details of the key benefits, conditions and exclusions will be included in the Policy Booklet, Table of Benefits and Insurance Product Information Document (IPID), copies of which will be sent to you with your confirmation of booking. In any event you may ask for a specimen copy of these before booking, should you wish to examine this in advance.
SECTION OF COVER
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MAXIMUM SUM INSURED / BENEFIT LEVEL PER PERSON
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EXCESS PER PERSON
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Emergency Medical & Repatriation Expenses
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£2,000,000, sub-limited as follows:
· £350 Emergency Dental Pain Relief Only (Isle of Man, Channel Islands, Europe & Worldwide)
· £1,000 Local Funeral Expenses (Isle of Man, Channel Islands, Europe & Worldwide)
· £100 Emergency Telephone Calls & Taxi Fares
· £2,500 Additional Travelling Expenses (United Kingdom)
· £50 United Kingdom Prescription Charges
· £300 United Kingdom Physiotherapy & Chiropractic Care
· £10 for each completed 24 hours up to £100 Hospital Benefit (United Kingdom)
· £15 for each completed 24 hours up to £450 Hospital Benefit (Isle of Man, Channel Islands, Europe & Worldwide)
· £50 for each completed 24 hours up to £500 Mugging Benefit
|
· Nil Telephone Calls & Taxi Fares
· Nil United Kingdom Prescription Charges
· Nil United Kingdom Physiotherapy & Chiropractic Care
· Nil Hospital Confinement Benefit
· Nil Mugging Benefit
· £50 All Other Claims under this Section
|
Cancellation
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· £1,500 (United Kingdom, Isle of Man, Channel Islands & Europe)
· £3,500 (Worldwide)
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· £15 for trips costing less than £100
· £50 for trips costing £100 or more, reduced to £15 Loss of Deposit
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Curtailment
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· £1,500 (United Kingdom, Isle of Man, Channel Islands & Europe)
· £3,500 (Worldwide)
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· £15 for trips costing less than £100
· £50 for trips costing £100 or more
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Personal Accident
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£15,000 (subject to age
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Nil
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Personal Possessions
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£1,500, sub-limited as follows:
· £200 Single Article, Pair or Set
· £200 in all Valuables
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£35
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Personal Money
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£200, sub-limited as follows:
· £50 for children under 16 years at the date of the incident
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· Nil Children
· £35 All Other Claims under this Section
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Passport and Other Documents
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£200
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Nil
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Baggage Delay on Outward Journey
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£100 after a completed 12-hours delay
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Nil
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Missed Departure
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· £200 (United Kingdom)
· £800 (outside of the United Kingdom)
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Nil
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Travel Delay & Abandonment
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· £20 after the first 12 hours and then £10 for each subsequent 12 hours up to £60 Delay Benefit
· £1,500 (after 12 hours delay) (Northern Ireland, Isle of Man, Channel Islands, Europe) & Worldwide) & £3,500 (Worldwide) Abandonment
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· Nil Delayed Benefit
· £15 for trips costing less than £100 Abandonment
· £50 for trips costing £100 or more Abandonment
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Hijack Benefit
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£50 for each completed 24 hours up to £500
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Nil
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Personal Liability
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£2,000,000
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Nil
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Legal Costs & Expenses
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£25,000
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Nil
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COVID-19 Cover
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· £1,000,000 Emergency Medical & Repatriation Expenses (outside of the United Kingdom)
· £1,500 (Isle of Man, Channel Islands & Europe) & £3,500 (Worldwide) Cancellation
· £1,500 (Isle of Man, Channel Islands & Europe) & £3,500 (Worldwide) Curtailment
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· £50 Emergency Medical & Repatriation Expenses
· £15 trips costing less than £100 Cancellation & Curtailment
· £50 trips costing £100 or more Cancellation & Curtailment
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RESIDENCY
The cover under this policy is only available to United Kingdom residents being defined as: Any person who has an address in the United Kingdom, has lived in the United Kingdom for at least 6 of the last 12 months, and is registered with a General Practitioner in the United Kingdom.
You must tell us as soon as reasonably possible if you are no longer a resident in the United Kingdom.
HEALTH CONDITIONS
If you are travelling within the United Kingdom
Please consider the following questions in relation to You, anyone to be covered by this Policy,
or any Colleague:
- Are you aware of any reason why your trip could be cancelled or cut short, such as your health or the health of a relative or colleague or someone with whom you are going to travel or stay?
- Are you travelling:
- a) against the advice of a medical practitioner, or
- b) for the purpose of obtaining medical treatment?
- Have you been given a terminal prognosis?
- Are you receiving or awaiting investigation or treatment for any bodily injury, Illness or disease as a hospital day case or in-patient or have an undiagnosed condition or set of symptoms?
If you answer YES to any of the above 4 questions, then your pre-existing medical conditions will not be covered by this policy and we are unable to extend the cover to do so. If you are within Your 14 days cooling off period and you decide this policy is no longer suitable for your needs, you may be entitled to a full refund of the premium paid. Please contact us to discuss this further.
If you answer NO to the above 4 questions, then please also proceed to questions 5 and 6 below to complete
the assessment.
- If you are on prescribed medication, are Your medical condition(s) stable and well controlled?
- If you suffer from stress, anxiety, depression or any other mental or nervous disorder, have you received written confirmation (at your cost) that You are fit enough to take this trip by either:
- a) Your GP, or
- b) a registered mental health professional (e.g. if you are under the care of a Community Mental Health Team), or
- c) a consultant specialising in the relevant field?
If You answer YES to question 5 and 6 above, then you do not need to contact us with details of your pre-existing medical conditions, and your insurance policy’s standard terms, conditions and exclusions will apply.
If you answer NO to question 5 or 6 above, then your pre-existing medical conditions will not be covered
by this policy and we are unable to extend the cover to do so. If you are within Your 14 day cooling off period
and you decide this policy is no longer suitable for your needs, you may be entitled to a full refund of the
premium paid. Please contact us to discuss this further.
If you are travelling outside of the United Kingdom
Please consider the following questions in relation to you, anyone to be covered by this policy, or any colleague:
- Have you had a medical condition that you presented to Your GP or other medical professional
within the last 12 months?
- Are you taking prescribed medication?
- Do you have, or have you had any medical condition that is still requiring periodic review?
- Are you awaiting any tests, treatment, investigation, referral or the results of these or have an
undiagnosed condition or set of symptoms?
If You answer YES to any of the above 4 questions, please contact MediScreen on 0344 892 1698 to
discuss extending cover for your health conditions. If we can extend cover, we may charge an additional
premium for doing so. Your pre-existing medical conditions will not be covered, unless you tell us
about them and we accept them in writing, and your policy may be cancelled, or your claim rejected
or not fully paid.
MediScreen’s office hours are 9am to 5pm Monday to Thursday and 9am to 4pm Friday excluding
Bank Holidays.
Changes in health
Important note: this applies to all destinations, excluding trips solely within the United Kingdom.
You must also notify MediScreen immediately on 0344 892 1698 if there is any change in your medical
circumstances between the date you first purchased your insurance policy and the date your holiday
is due to begin. If you do not take the appropriate action, or if you withhold information which we should
reasonably be made aware of when considering the provision of cover, then your policy may be cancelled,
or your claim rejected or not fully paid. If we can extend cover, we may charge an additional premium
for doing so.
If your trip is solely within the United Kingdom, then you must obtain a letter from your medical practitioner confirming that you are fit enough to take the trip. Failure to do so may invalidate your policy.
SIGNIFICANT OR UNUSUAL LIMITATIONS OR WHAT IS NOT COVERED
- The cover under this policy is only available to United Kingdom residents for travel within the Geographical limits contained in this policy and which begins and ends in the United Kingdom. Repatriation will be to the United Kingdom
- Cover is only available for the whole duration of a booked trip to a maximum 70 consecutive days, and cover cannot be purchased once a trip has already begun.
- The excess amount deductible from a claim applies to each and every claim, per incident claimed for, under certain sections by each insured person.
- If your money, valuables, any items of baggage, your passport or visa are lost or stolen, you must notify the local Police within 24 hours of discovery or as soon as possible thereafter. Please make sure you get a copy of the Police report. Failure to comply may result in your claim being rejected or the amount of any relevant claim reduced.
- You are not covered for valuables, your passport or visa if left unattended at any time (including in a vehicle, in checked in luggage or while in the custody of a carrier, tour operator or public transport operator) unless deposited in a hotel safe, safety deposit box or left in your locked accommodation.
- Stolen property: You are not covered for baggage stolen from:
- an unattended coach/bus unless it was locked in the luggage compartment of the coach/bus and evidence of force or violent entry to the vehicle is available, or
- the passenger compartment of any unattended vehicle.
- Any epidemic or pandemic as declared by the World Health Organisation (WHO).
- Claims arising from or related to any coronavirus including but not limited to COVID-19 or any related / mutated form of the virus. This exclusion does not apply to COVID-19 claims under the COVID-19 Cover section.
TRAVEL SIGNPOSTING Not the right level of cover to meet your Travel Insurance needs?
If we can’t offer you the cover you want, or your premium is higher than you wanted because you have medical conditions, you may be able to get help by accessing the Money and Pensions Service travel directory at: https://traveldirectory.moneyadviceservice.org.uk/en or by calling 0800 138 777 (Open Monday to Friday, 8am to 6pm).
COOLING OFF PERIOD
Please tell us immediately if your policy does not meet your requirements. If you cancel within 14 days of the receipt of your documentation and you have not started a trip or made or intend to make a claim, we will give you a full refund. Following this 14 days period, you continue to have the right to cancel your policy at any time by contacting us. If the notice of cancellation is received outside of the 14 days cooling-off period, no premium will be refunded.
Tartan Travel is an Appointed Representative of Travel & General Insurance Services Limited who are authorised and regulated by the Financial Conduct Authority (their firm reference is 304788) and which is permitted to advise on and arrange general insurance contracts.