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This holiday insurance policy includes cover if you receive a positive COVID-19 diagnosis and have to cancel your trip, subject to the terms and conditions which can be found here. Cover also includes non-UK medical treatment and additional accommodation, repatriation and travel expenses, irrespective of whether you are travelling within or outside of the UK, if you are diagnosed with COVID-19 during your trip.


A holiday insurance scheme is available for all passengers travelling on our holidays. This scheme is arranged by Towergate Travel and underwritten by ERGO Travel Insurance Services Limited (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 FCA and Prudential Regulation Authority (PRA): register number 769884. This policy is administered by ERGO Travel Insurance Services Ltd (ETI): registered in the UK, company number 11091555. Authorised and regulated by the FCA, register number 805870 and registered office: Plantation Place, 30 Fenchurch Street London, EC3M 3AJ. Details about the extent of GLISE’s and ETI’s authorisation and regulation by the PRA and the FCA are available on request.


It is a condition of booking that you take out a holiday insurance policy for all trips, albeit it doesn’t have to be the policy that we offer you.


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



This insurance policy will suit the demands and needs of an individual or group (where applicable) who have no excluded medical condition(s), are travelling in countries included within the policy terms and who wish to insure themselves against unforeseen circumstances/events detailed in the cover section below. Subject to the terms, conditions and maximum specified sums insured.



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. The following is a brief summary of the cover available. Full details of the cover, conditions 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.





Cancellation (excluding COVID-19)


• £3,000


• Nil Loss of Deposit

• £75 Cancellation


Travel Delay (Northern Ireland, Isles of Scilly,

Isle of Man, Channel

Islands & Europe)


• £20 for the first 12-hours and then £10 for

each subsequent 12-hours of delay up to £60 Travel Delay

• £3,000 Holiday Abandonment (after a delay of 12-hours)


• Nil Travel Delay

• £75 Holiday Abandonment


Missed Departure

• £100 (England, Scotland and Wales)

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

• Nil

Personal Accident

£15,000 (subject to age)

• Nil

Medical & Other Expenses (including Curtailment)

• £5,000,000 Medical & Other Expenses (Isle of

Man, Channel Islands & Europe)

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

• £3,000 Curtailment

• £75

Hospital Benefit

• £10 per 24-hours up to £100 (United Kingdom)

• £15 per 24-hours up to £450 (Isle of Man, Channel Islands & Europe)

• Nil

Personal Property (including Personal Money)


• £1,500 (£200 Any one article, pair or set personal property)

• £250 (subject to age) Personal Money

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

•Nil Delayed Baggage

•£75 Personal Property & Money


Loss of Passport and/or Visa Expenses

• £200

• Nil

Personal Liability

• £2,000,000

• Nil

Legal Expenses


• Nil

COVID-19 Cover

• £3,000 Cancellation

• £3,000 Curtailment

• £1,000,000 Medical & Other Expenses, sub-limited to:

• £30 per 24-hours up to £300 for confinement to holiday accommodation following a COVID-19 diagnosis

• £75


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 15 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:

a) 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

b) the passenger compartment of any unattended vehicle.

7. Any epidemic or pandemic as declared by the World Health Organisation (WHO).



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.



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:

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 treatment for any bodily injury, illness or disease as a hospital day case or in-patient.

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

b) a consultant specialising in the relevant field.


If you are travelling outside of the UK 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.



You must 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).



Examples of these and other conditions and exclusions are contained within the policy wording, a specimen copy of which is available upon request. If after purchasing a policy from us should you find it does not meet your requirements, you have 14 days from the date of receipt of the policy documents or before departure, whichever is less, to cancel the policy and receive a full refund of your premium.


Arvonia Coaches Ltd 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.


To view a copy of the Insurance Product Information Document & Single Trip travel insurance policy, please Click Here


To view the status disclosure document, please Click Here


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Arvonia Coaches Ltd




LL55 4AA

Registered in Cardiff No. 2752976

VAT No: 310 5664 88

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