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HOLIDAY INSURANCE

Whilst it’s not a condition of booking that you take out a holiday insurance policy for trips within the United Kingdom, we do strongly recommend that you do so, albeit it doesn’t have to be the policy that we offer you. Even when you’re travelling within the United Kingdom you are at risk of having to cancel your trip following illness, accident or even unexpectedly being called up for jury service. In addition, if you find yourself in a position where you require medical attention during your trip and can’t make your scheduled return journey, the NHS doesn’t cover the cost of repatriation or additional accommodation costs.

 

It is however a condition of booking that you take out a holiday insurance policy for trips outside of the United Kingdom, albeit again it doesn’t have to be the policy that we offer you. For the sake of good order a European Health Insurance Card (EHIC) is not a substitute for a holiday insurance policy. The EHIC is a reciprocal health agreement only and does not provide protection for such things as repatriation, additional accommodation, cancellation or personal property or money.

 

A holiday insurance scheme is available for all passengers travelling on our holidays. This scheme is arranged by Towergate Travel and is underwritten by ETI – International Travel Protection (ERV), the UK branch of Europäische Reiseverscherung AG, who are authorised by the Bundesanstalt für Finanzdienstleistungsaufsicht (BAFIN – www.bafin.de) and approved by the Financial Conduct Authority (FCA – www.fca.org.uk) to undertake insurance business in the UK. Should you wish to take out this holiday insurance please include the appropriate premium when booking your holiday.

 

 

INSURANCE POLICY PREMIUMS

Duration

UK Mainland

Europe

2 Days

£18.00

N/A

3 Days

£19.00

£32.00

4 Days

£26.00

£35.00

5 Days

£27.00

£39.00

6-8 Days

£30.00

£45.00

9-10 Days

N/A

£49.00

11-15 Days

N/A

£55.00



 

DEMANDS AND NEEDS

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.

 

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. 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.

 

SECTION OF COVER

MAXIMUM SUM INSURED AND/OR BENEFITS

MAXIMUM EXCESS PER PERSON

Cancellation

 

 

£3,000 (England, Scotland, Wales, Northern

Ireland, Isles of Scilly, Isle of Man, Channel Islands

& Europe)

 

• Nil Loss of Deposit

• £50 Cancellation

 

Travel Delay (Northern Ireland, Isles of Scilly,

Isle of Man, Channel

Islands & Europe)

 

• £60 (£20 for the first 12-hours and then £10 for

each subsequent 12-hours of delay) Travel Delay

• £3,000 Holiday Abandonment (after a delay of

12-hours)

 

• Nil Travel Delay

• £50 Holiday Abandonment

 

Missed Departure

• £100 England, Scotland and Wales

• £500 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 (England, Scotland, Wales, Northern Ireland & Isles of Scilly)

£3,000 Curtailment (England, Scotland, Wales, Northern Ireland, Isles of Scilly, Isle of Man, Channel Islands & Europe)

• £50

Hospital Benefit

£100 (England, Scotland, Wales, Northern Ireland

& Isles of Scilly)

£450 (Isle of Man, Channel

Islands & Europe)

• Nil

Personal Property & Personal Money

 

£1,500 Baggage

£250 (subject to age) Personal Money

£100 Delayed Baggage (after delay of 12 hours)

•Nil Delayed Baggage

•£50 Personal Property & Money

 

Loss of Passport and/or Visa

£200 (Isle of Man, Channel Islands & Europe)

• Nil

Personal Liability

£2,000,000

• Nil

Legal Expenses

£25,000

• Nil



 

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 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.

 

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:

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 Friday excluding Bank Holidays.

 

CHANGE IN MEDICAL CIRCUMSTANCES AFTER THE DATE THE POLICY IS ISSUED

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 Single Trip travel insurance policy, please Click Here

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

To view the status disclosure document, please Click Here

 

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Arvonia Coaches Ltd

Llanrug

Caernarfon

Gwynedd

LL55 4AA

Registered in Cardiff No. 2752976

VAT No: 310 5664 88

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