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01502 574669 (Lowestoft)
01728 830414 (Leiston)

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TRAVEL INSURANCE

 

A holiday insurance policy is available for all passengers travelling on our holidays which is arranged with ETI-International Travel Protection (ERV), the UK branch of Europaische Reiseverschrung AG, who are licensed by the Bundesanstalt fùr Finanzdienstleistungsaufsicht (BAFIN - www.bafin.de) and approved by the Financial Conduct Authority (FCA - www.fca.gov.uk) to undertake insurance business in the UK.  Should you wish to take advantage of our Holiday Travel Insurance please include the appropriate premium when booking your holiday.

 

Demand & 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.

 

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 speciality assistance limited. The following is a brief summary of the cover available. Full details of Cover, Policy Warranties and Exclusions will be forwarded 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

£1,500 UK & Europe/£3,500 Worldwide

·       £15 Loss of Deposit

·       £50 Cancellation

Travel Delay

£60 Travel Delay

£3,500 Holiday Abandonment

·       Nil Travel Delay

·       £50 Holiday Abandonment

Missed Departure

·       £100 UK

·       £300 Channel Islands & Europe

·       £600 Worldwide

Nil

Personal Accident

£15,000

Nil

Medical Expenses & Curtailment

£2,000,000

£50

Hospital Benefit

·       £100 UK

·       £450 Non-UK

Nil

Baggage

£1,500 (£200 Personal Money)

£50

Delayed Baggage

£100

Nil

Loss of Passport & Visa

£200

Nil

Personal Liability

£2,000,000

Nil

 

Legal Expenses

£25,000

Nil


RESIDENCY

If you or anyone else named on this policy has not been a resident in the UK for the past 6-months this policy cannot cover you.

 

PRE-EXISTING MEDICAL 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, you must be able to comply with the following:

1. You are not aware of any reason why the trip could be cancelled or cut short

2. You are not travelling:

a. against the advise of a medical practitioner

b. for the purpose of obtaining medical treatment, or

c. if you have been given a terminal prognosis.

3. You are not receiving or awaiting treatment for any illness or injury as a hospital day case or inpatient as any claim arising from the illness or injury will not be covered.

4. If you are on medication at the time of travel your medical condition must be stable and well controlled.

 

If you are travelling outside of the United Kingdom You must telephone the Towergate Medical Line 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

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.

The Towergate Medical Line office hours are 9am to 5pm Monday to Friday excluding Bank Holidays.

 

PLEASE NOTE

You must also notify the Towergate Medical Line 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 outside the United Kingdom.

In addition to the above the policy also contains the following main exclusions:

• Any existing medical conditions unless they have been declared to (where appropriate) and accepted by the insurer.

• Your participation in any organised sports, winter sports or dangerous activities unless they have been declared to and accepted by the Insurer.

• Suicide or the wilful exposure to exceptional personal risk.

• Stress, anxiety or depression unless it has been diagnosed as such by a consultant or expert in that field.

• Travel against the advice of the carrier, any other public transport provider, the Foreign Office or the World Health Organisation.

• Motorcycle travel during the insured trip where the engine size exceeds 125cc.

• Any manual work or hazardous occupation undertaken during the insured trip.

• The bankruptcy/liquidation of the tour operator with whom you have booked your trip.

 

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 the issuer of the policy within 14-days of the date of issue or prior to travel whichever is the sooner. Your money will be refunded in full, provided no claims have been made or incident likely to give rise to a claim has arisen. If you cancel your policy after 14-days no 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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