Skip to content

Holiday Insurance

 

FULL INSURANCE POLICY DOCUMENT - CLICK HERE

 

This holiday insurance is arranged by Towergate Travel and 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. 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. ERGO Travel Insurance Services Ltd (ETI): 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. Details about the extent of GLISE’s authorisation and regulation by the PRA, and regulation by the FCA are available on request.

 

Should you wish to take out this holiday insurance policy please include the appropriate premium when booking your holiday.

 

COVER AND COST

The premiums below are per person and are inclusive of 20% Insurance Premium Tax.

 

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 wording, a copy of which will be sent to you with your confirmation of booking. In any event you may ask for a specimen copy of the policy wording before booking, should you wish to examine this in advance.
 

 

 

RESIDENCY

The cover under this policy is only available to United Kingdom residents being defined as: Any person who is staying in or has lived in the United Kingdom for more than 12-months, or if studying or working in the United Kingdom for more than 6-months.

 

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:

1. 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?

2. Are you travelling:

a) against the advice of a medical practitioner, or

b) for the purpose of obtaining medical treatment?

3. Have you been given a terminal prognosis?

4. 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-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 answer NO to the above 4 questions, then please also proceed to questions 5 and 6 below to complete the assessment.

5. If you are on prescribed medication, are your medical condition(s) stable and well controlled?

6. 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:

1. Have you had a medical condition that you presented to your GP or other medical professional within the last 12 months?

2. Are you taking prescribed medication?

3. Do you have, or have you had any medical condition that is still requiring periodic review?

4. 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, including 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.

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)

 

 

SIGNIFICANT OR UNUSUAL LIMITATIONS OR WHAT IS NOT COVERED

1. 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 only.

2. 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.

3. The excess amount deductible from a claim applies to each and every claim, per incident claimed for, under certain sections by each insured person.

4. 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.

5. 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.

6. Stolen property: you are not covered for baggage stolen from:

  1. 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

  2. the passenger compartment of any unattended vehicle.

7. Claims arising from any epidemic or pandemic as declared by the World Health Organisation (WHO)

8. 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 Emergency Medical and Repatriation Expenses section.

 

COOLING OFF PERIOD

You should read your policy immediately to ensure it meets with your requirements. If for any reason it does not, it must be returned to us within 14-days of receipt of the policy documents or before departure, whichever is less. Your premium will be refunded in full provided no claims have been made. If you cancel your policy after 14-days days of receipt of the policy documents or after departure, no premium refund will be given.

 

Product Information

 

Edwards Coaches Ltd is an appointed representative of ITC Compliance Limited which is authorised and regulated by the Financial Conduct Authority (their registration number is 313486) and which is permitted to advise on and arrange general insurance contracts as an intermediary.

 

FULL INSURANCE POLICY DOCUMENT - CLICK HERE

Logos

The Courtyard, Parc Busnes Edwards, Llantrisant, Pontyclun, CF72 8QZ

Company No: 4045308 VAT No: 762752807

Sage Pay

This website uses cookies to store essential information. By continuing to browse the website you are agreeing to their use. With your permission we would like use additional cookies. For more information you can view our cookie policy. Select Settings to change your cookie preferences. To allow the use of all cookies select Accept.