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SINGLE TRIP TRAVEL INSURANCE
Arvonia are committed to ensuring you are taken care of every step of the way and we will do everything we can to make sure your holiday runs as smoothly as possible from the day you book, through to the last day of your holiday. However, occasionally circumstances or events beyond your control can affect your holiday plans and we recommend, now more than ever, you purchase a holiday insurance policy to provide you with financial protection and cover for any unfortunate happenings that may occur.
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.
This is arranged by Towergate Travel and underwritten by ERGO Travel Insurance Services Ltd (ETI) on behalf of Great Lakes Insurance SE (GLISE). Great Lakes Insurance SE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: 10 Fenchurch Avenue, London EC3M 5BN, company number SE000083. Great Lakes Insurance SE, UK Branch, is authorised and regulated by Bundesanstalt für Finanzdienstleistungsaufsicht. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. 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: 10 Fenchurch Avenue, London, EC3M 5BN. Details about the extent of GLISE’s authorisation and regulation by the PRA, and regulation by 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.
| DEMANDS AND NEEDS |
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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 FOR DEPARTURES BETWEEN 01/05/21 - 30/04/22 | MAXIMUM SUM INSURED AND/OR BENEFITS FOR DEPARTURES BETWEEN 01/05/22 - 30/04/23 | MAXIMUM EXCESS PER PERSON |
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| Medical & Repatriation Expenses | £5,000,000 in all, sub-limited as follows:
| £2,000,000 in all, sub-limited as follows:
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| Cancellation |
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| Curltailment |
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| Personal Accident |
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| Personal Possessions | £1,500 in all, sub-limited as follows:
| £1,500 in all, sub-limited as follows:
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| Personal Money | £200 in all, sub-limited as follows:
| £200 in all, sub-limited as follows:
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| Passport & Other Documents |
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| Delayed Baggage |
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| Missed Departure |
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| Travel Delay & Abandonment |
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| Personal Liability |
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| Legal Expenses |
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| COVID-19 Cover |
£30 per 24-hours up to £300 for confinement to holiday accommodation as order by relevant Govt authority following a COVID-19 diagnosis |
£30 per 24-hours up to £300 for confinement to holiday accommodation as order by relevant Govt authority following a COVID-19 diagnosis |
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| SIGNIFICANT OR UNUSUAL LIMITATIONS OR WHAT IS NOT COVERED |
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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 of 15 consecutive days for departures up to the 30th April 2022 and 70 consecutive days for departures from the 1st May 2022 to the 30th April 2023, 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).
| RESIDENCY |
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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 |
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If you are travelling within the United Kingdom Please consider the following questions in relation to you, anyone to be covered by this policy, or any colleague:
1. Are you aware of any reason why your trip could be cancelled or cut short, such as your health or the health of a relative or colleague or someone with whom you are going to travel or stay?
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 investigation or treatment for any bodily injury, Illness or disease as a hospital day case or in-patient or have an undiagnosed condition or set of symptoms?
If you answer YES to any of the above 4 questions, then your pre-existing medical conditions will not be covered by this policy and we are unable to extend the cover to do so. If you are within Your 14-day cooling off period and you decide this policy is no longer suitable for your needs, you may be entitled to a full refund of the premium paid. Please contact us to discuss this further.
If you answer NO to the above 4 questions, then please also proceed to questions 5 and 6 below to complete the assessment.
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) Your GP, or
b) a registered mental health professional (e.g. if you are under the care of a Community Mental Health Team), or
c) a consultant specialising in the relevant field?
If you answer YES to question 5 and 6 above, then you do not need to contact us with details of your pre-existing medical conditions, and your insurance policy’s standard terms, conditions and exclusions will apply.
If you answer NO to question 5 or 6 above, then your pre-existing medical conditions will not be covered by this policy and we are unable to extend the cover to do so. If you are within Your 14-day cooling off period and you decide this policy is no longer suitable for your needs, you may be entitled to a full refund of the premium paid. Please contact us to discuss this further.
If you are travelling outside of the United Kingdom Please consider the following questions in relation to you, anyone to be covered by this policy, or any colleague:
1. Have you had a medical condition that you presented to your GP or other medical professional within the last 12 months?
2. Are you taking prescribed medication?
3. Do you have, or have you had any medical condition that is still requiring periodic review?
4. Are you awaiting any tests, treatment, investigation, referral or the results of these or have an undiagnosed condition or set of symptoms?
If you answer YES to any of the above 4 questions, please contact MediScreen on 0344 892 1698 to discuss extending cover for your health conditions. If we can extend cover, we may charge an additional premium for doing so. Your pre-existing medical conditions will not be covered, unless you tell us about them and we accept them in writing, and your policy may be cancelled, or your claim rejected or not fully paid.
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 |
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Important note: this applies to all destinations, including 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.
| COOLING OFF PERIOD |
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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.
| PLEASE CLICK ON THE LINKS BELOW TO VIEW A COPY OF THE RELEVANT DOCUMENT |
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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 Money and Pensions Service travel directory at: https://traveldirectory.moneyadviceservice.org.uk/en or by calling 0800 138 777 (Open Monday to Friday, 8am to 6pm).
Important latest Government travel advice following BREXIT can be found here https://www.gov.uk/visit-europe-1-january-2021