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HOLIDAY TRAVEL INSURANCE

 

A holiday insurance policy is available for passengers travelling on our holidays. This is arranged by Towergate Travel and is underwritten by by ERGO Travel Insurance Services Ltd (ETI) on behalf of Great Lakes Insurance SE (GLISE). GLISE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ, company number SE000083. GLISE, UK Branch, is authorised by Bundesanstalt für Finanzdienstleistungsaufsicht and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority: register number 769884. ERGO Travel Insurance Services Ltd (ETI) is registered in the UK, company number 11091555. Authorised and regulated by the Financial Conduct Authority, register number 805870 and registered office: Plantation Place, 30 Fenchurch Street London, EC3M 3AJ. Details about the extent of GLISE’s authorisation and regulation by the Prudential Regulation Authority and the Financial Conduct Authority are available on request. Should you wish to take out the holiday insurance policy that we offer please include the appropriate premium when booking your holiday.

 

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 claim limits.

 

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.

SECTION OF COVER

MAXIMUM SUM INSURED / BENEFIT LEVEL PER PERSON

EXCESS PER PERSON

Cancellation

£2,000

Nil

Travel Delay (Northern Ireland, Isles of Scilly, Isle of Man, Channel Islands & Europe)

  • £20 first 12-hours then £10 for each subsequent 12-hours delay up to £60 Travel Delay

  • £2,000 (after a delay of 12-hours) Holiday Abandonment

Nil

Missed Departure

  • £100 (England, Scotland & Wales)

  • £300 (Northern Ireland, Isles of Scilly, Isle of Man, Channel Islands & Europe)

Nil

Personal Accident

£15,000 (subject to age)

Nil

Medical & Other Expenses (including Curtailment)

  • £2,000,000 Medical & Other Expenses (Isle of Man, Channel Islands & Europe)

  • £1,500 Additional Accommodation, Travel & Repatriation Expenses (United Kingdom)

  • £2,000 Curtailment

Nil

Hospital Benefit

  • £10 per day up to £100 (United Kingdom)

  • £15 per day up to £450 (Isle of Man, Channel Islands & Europe)

Nil

Personal Property (including Personal Money)

  • £1,500 Personal Property

  • £200 (subject to age) Personal Money

  • £100 (after delay of 12-hours) Delayed Baggage

Nil

Loss of Passport & Visa Expenses

£200

Nil

Personal Liability

£2,000,000

Nil

Legal Expenses

£25,000

Nil


To read and download a copy of the Status Disclosure Document please click here

 

To download and read a specimen copy of the LAZ/20 single trip Insurance Product Information Document (IPID) and policy wording please click here

To download and read a specimen copy of the LAZ/20F frequent traveller Insurance Product Information Document (IPID) and policy wording please click here

 

Insurance policy’s taken out after the 24th August 2020 for 2021 include COVID19 cover as per the below specimens.

 

To download and read a specimen copy of the LAZ/21 single trip Insurance Product Information Document (IPID) and policy wording please click here

To download and read a specimen copy of the LAZ/21F frequent traveller Insurance Product Information Document (IPID) and policy wording please click here

 

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.

 

HEALTH CONDITIONS

You must be able to comply with the following conditions to have the full protection of your policy. If you do not comply we may refuse to deal with any relevant claim or reduce the amount of any relevant claim payment.

If you are travelling within the United Kingdom you are not required to declare your medical conditions. However to be covered for any medical conditions you have or have had, you must be able to answer NO to questions 1. to 4. and YES to questions 5. and 6. a) and b) below:

  1. Are you aware of any reason why the trip could be cancelled or cut short (such as the health of a close relative)

  2. Are you travelling:

  1. against the advice of a medical practitioner, or

  2. for the purpose of obtaining medical treatment.

  1. Have you been given a terminal prognosis.

  1. Are you receiving or awaiting treatment for any bodily injury, illness or disease as a hospital day case or in-patient.

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

  1. 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:

  1. a registered mental health professional (if you are under the care of a Community Mental Health Team), or

  2. a consultant specialising in the relevant field.

If you are travelling outside of the United Kingdom you must telephone MediScreen on 0344 892 1698 if anyone to be covered by this policy, or any person upon whose health the trip depends:

  1. Has or has had a medical condition (excluding childhood and minor ailments not requiring treatment)

  2. Is taking prescribed medication

  3. Has or has had any medical condition still requiring periodic review

  4. Is awaiting any tests, treatment, investigation, referral or the results of these.

MediScreen’s office hours are 9am to 5pm Monday to Thursday and 9am to 4pm Friday excluding Bank Holidays.

 

CHANGE IN MEDICAL CIRCUMSTANCES AFTER THE DATE THE POLICY IS ISSUED

You must also notify MediScreen immediately of any changes in medical circumstances arising between the date the policy is issued and the time of departure for the trip. You may have to pay an additional premium to cover your medical conditions. This applies to all destinations including trips solely within the United Kingdom (being defined as England, Scotland, Wales, Northern Ireland and the Isles of Scilly).

 

SIGNIFICANT OR UNUSUAL LIMITATIONS OR WHAT IS NOT COVERED

  1. The cover under this policy only applies to trips which begin and end 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 up to a maximum 17 consecutive days and cover cannot be purchased once a trip has already begun.

  3. 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.

  4. 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.

  5. 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.

  1. You are not covered for claims arising from any epidemic or pandemic as declared by the World Health Organization (WHO).

  2. You are not covered for 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 claims under Section 5 – Medical and other expenses with the exception of any claim for curtailment.

 

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 Belle Coaches 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.

B.R. Shreeve & Sons Limited t/a Belle Coaches is an Appointed Representative of ITC Compliance Limited who are authorised and regulated by the Financial Conduct Authority (their firm reference is 313486) and which is permitted to advise on and arrange general insurance contracts.

Hadenham Road, Lowestoft, Suffolk, NR33 7NF
73 High Street, Leiston, Suffolk, IP16 4BX
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