SINGLE TRIP TRAVEL INSURANCE

This policy is underwritten by ERGO Travel Insurance Services Ltd on behalf of Great Lakes Insurance UK Limited. Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 10 Fenchurch Avenue, London, United Kingdom, EC3M 5BN. Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 955859. You can check this on the Financial Services Register by visiting: https://register.fca.org.uk

 

ERGO Travel Insurance Services Ltd (ETI) is 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.

 

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 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.

 

Summary details of the insurance cover provided, which also includes 24-hour medical emergency service provided by Towergate Assistance, are detailed below. Full details of the key benefits, conditions and exclusions will be included in the Policy Booklet, Table of Benefits and Insurance Product Information Document (IPID), copies of which will be sent to you with your confirmation of booking. In any event you may ask for specimen copies of these before booking, should you wish to examine them in advance.

 

 

ARV/24 POLICIES ISSUED FOR TRIPS DEPARTING FROM 01/04/2024 TO 31/03/2025

 

SECTION OF COVER	MAXIMUM SUM INSURED AND/OR BENEFIT LEVELS PER PERSON	MAXIMUM EXCESS PER PERSON
Emergency Medical and Repatriation Expenses	£2,000,000 in all, sub-limited as follows: £350 Emergency Dental Pain Relief Treatment outside of the United Kingdom £1,000 Local Funeral Expenses outside of the United Kingdom £100 Emergency Taxi Fares & Telephone Calls £2,500 Additional Travel Expenses within the United Kingdom £50 United Kingdom Prescription Charges outside of the United Kingdom £300 United Kingdom Physiotherapy & Chiropractic Care outside of the United Kingdom £10 for each completed 24-hours up to a maximum £100 Hospital Benefit within the United Kingdom £15 for each completed 24-hours up to a maximum £450 Hospital Benefit outside of the United Kingdom £50 for each completed 24-hours up to a maximum £500 Mugging Benefit	Nil Emergency Taxi Fares & Telephone Calls Nil United Kingdom Prescription Charges Nil United Kingdom Physiotherapy & Chiropractic Care Nil Hospital Benefit Nil Mugging Benefit £75 All Other Claims Under This Section
Cancellation	£1,500 (United Kingdom, Isle of Man, Channel Islands & Europe) £3,500 (Worldwide)	Nil Loss of Deposit £75 Cancellation
Curtailment and Loss of Holiday	£1,500 (United Kingdom, Isle of Man, Channel Islands & Europe)	£75
Personal Accident	£15,000 (subject to age)	Nil
Personal Possessions	£1,500 in all, sub-limited as follows: £200 Single Article Limit £200 in all Valuables	£75
Personal Money	£200 in all, sub-limited as follows: £50 Children under 16-years as at the date of the incident	Nil Children under 16 years £75 All Other Claims Under This Section
Passport and Other Documents	£200	Nil
Baggage Delay on the Outward Journey	£100 after a completed 12-hour delay	Nil
Missed Departure	£200 within the United Kingdom £800 outside of the United Kingdom	Nil
Travel Delay and Abandonment	£20 for the first completed 12-hours and then £10 for each subsequent completed 12-hours delay up to a maximum £60 Delay Benefit £1,500 after delay of completed 12-hours Abandonment (Northern Ireland, Isle of Man, Channel Islands & Europe)	Nil Delay Benefit £75 Abandonment
Personal Liability	£2,000,000	Nil
Legal Expenses	£25,000	Nil
COVID-19 Cover	£1,500 Cancellation (United Kingdom, Isle of Man, Channel Islands & Europe) £1,500 Curtailment (United Kingdom, Isle of Man, Channel Islands & Europe) £2,500 Emergency Medical & Repatriation Expenses within the United Kingdom £2,000,000 Emergency Medical & Repatriation Expenses outside of the United Kingdom, sub-limited to: £30 per completed 24-hours up to a maximum £300 Confinement to Holiday Accommodation outside of the United Kingdom	Nil Loss of Deposit £75 Cancellation & Curtailment £75 Emergency Medical & Repatriation Expenses Nil Confinement to Holiday Accommodation Benefit
Optional Cruise Cover	£100 per port up to maximum £1,000 Missed Port £25 for each completed 24-hours up to £500 Confinement to Cabin Benefit £150 Missed Excursions £2,500 Increased Personal Possessions, sub-limited to: £500 Single Article Limit £500 in all Valuables £100 Evening Wear	Nil Missed Port Nil Confinement to Cabin Benefit Nil Evening Wear £75 All Other Claims under this Section

 

PLEASE CLICK ON THE LINKS BELOW TO VIEW A COPY OF THE RELEVANT DOCUMENT
Please click here for a copy of the ARV/24 Policy Booklet
Please click here for a copy of the ARV/24 Table of Benefits
Please click here for a copy of the ARV/24 Insurance Product Information Document (IPID)
Please click here for a copy of the Status Disclosure Document (SDD)

 

RESIDENCY

The cover under this policy is only available to United Kingdom residents being defined as: Any person who has an address in the United Kingdom, has lived in the United Kingdom for at least 6 of the last 12 months, and is registered with a General Practitioner in the United Kingdom.

 

HEALTH CONDITIONS

This policy may not provide cover for pre-existing medical conditions, so it is important that you review and respond to the questions below in order to have the full protection of your policy. 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 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 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 presented to Your GP or other medical professional within the last 12 months

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

Important note: this applies to all destinations, excluding 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.

 

If your trip is solely within the United Kingdom then you must obtain confirmation from your medical

practitioner that you are fit enough to take the trip and this must be noted on your medical records so that in the event of a claim you are able to provide this evidence if required by us. Failure to do so may invalidate your policy.

 

You must also tell us as soon as reasonably possible if you are no longer a resident in the United Kingdom.

 

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. You must ensure that you have had any recommended inoculations, vaccines (including COVID-19 where is has been offered to you) or medications relating to your destination prior to your trip.

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

9. 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 COVID-19 Cover section.

 

COOLING OFF PERIOD

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 Limited 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 arrange general insurance contracts as an intermediary.

 

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 MoneyHelper travel directory at: https://www.moneyhelper.org.uk/en/everyday-money/insurance/travel-insurance-directory?source=mas# or by calling 0800 138 7777 (Open Monday to Friday, 8am to 6pm).

If at any time you feel you have not been treated fairly by any member of our staff please contact us at the address or telephone number above.

 

Important latest Government travel advice following BREXIT can be found here https://www.gov.uk/visit-europe-1-january-2021