Insurance

PERSONAL TRAVEL INSURANCE

A special Holiday Travel Insurance Scheme is available for all passengers travelling on our holidays which is arranged with ETI - International Travel Protection (the UK branch of Europäische Reiseverscherung AG) who are Licensed by the Bundesanstalt für Finanzdienstleistungsaufsicht (BAFIN – www.bafin.de) and approved by the Financial Conduct Authority (FCA – www.fsa.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.

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.

We summarise below the details of the insurance cover provided which also includes SPECIALTY ASSISTANCE LTD - 24-hour emergency service. 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.

COVER SUM INSURED UP TO
Cancellation £3,000
Holiday Abandonment £3,000
Medical & Repatriation Expenses £5,000,000
Luggage & Personal Money £1,500
Loss of Passport £200
Personal Liability £2,000,000
Personal Accident £25,000
Delayed Departure (Non-UK) £250
Missed Departure (Non-UK) £600
Legal Expenses £25,000
Extended Kennel / Cattery Fees £100
Mugging Benefit £250
Hijack Benefit £500

 

POLICY EXCESS

Loss of Deposit £50 excess each and every loss per Insured Person. Cancellation, Holiday Abandonment, Medical & Repatriation Expenses, Curtailment and Personal Liability £100 excess each and every loss per Insured Person. Luggage & Personal Money £75 excess each and every loss per Insured Person.

This is only a brief summary.

SIGNIFICANT EXCLUSIONS

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

If you are travelling to destinations detailed in your policy document which do not require you to inform the Insurer of any pre-existing medical conditions, then you need to consider your answers to the following questions:

  • Will you or anyone else be travelling against the advice of your GP or the carrier, their handling agents or any other public transport provider?
  • Have you or anyone else been given a terminal prognosis?
  • Will you or anyone else be on a waiting list, awaiting the results of tests or be aware of any surgery being required?
  • Are you suffering from stress, anxiety or depression unless it has been investigated and diagnosed as such by a specialist in the relevant field?

Please note if you have answered Yes to any of these questions the policy will not cover claims as a result of the condition or conditions causing your Yes answer(s). You do however have the option to still take out this policy on the understanding that it will not cover these condition(s).

If the policy does require you to declare your pre-existing medical conditions then you will need to call Towergate on 0844 8921698. Upon receiving your declaration Towergate may, on behalf of the Insurer, offer to cover these for an additional premium.

It is your responsibility to declare your pre-existing medical conditions when required. Failure to disclose may result in any claim being declined.

SPORTS / HAZARDOUS ACTIVITIES

If you intend to take part in any sports or hazardous activities not included in your holiday itinerary please call the tour operator with whom you have booked your trip. They will contact Towergate on your behalf to confirm whether the policy can be extended to cover your planned activity or activities. Additional terms and premium may apply.

MAIN EXCLUSIONS

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, travel agent or transportation company with whom you have booked your trip.

Examples of these and other conditions and restrictions and what to do if you are unsure about any aspect of an exclusion are contained within your policy information. If after purchasing a policy should you find it does not meet your requirements you have 14 days from the date of issue, or prior to travel (whichever is sooner) to cancel the policy.

Tailored Travel Limited 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 download the following PDF for details of our insurance policy: Insurance Policy (PDF - 90kb)


GROUP TRAVEL ORGANISER’S PUBLIC LIABILITY INSURANCE

Our special Group Travel Organisers’ Public Liability cover is arranged by Towergate Chapman Stevens and is underwritten by Touchstone Underwriting on behalf of Royal & SunAlliance Insurance Plc.

This cover indemnifies the person as the Group Travel Organiser who is identified to Tailored Travel Limited as the Group Travel Organiser, who arranged the Holiday/Trip and is responsible for its administration and operation directly with Tailored Travel Limited. Please note the definition of Group Travel Organiser does not extend to include professional holiday companies and cover is always subject to the policy terms, conditions, limitations and exclusions.

Indemnity Limit – Up to £5,000,000 any one occurrence

Claims Procedure – Subject to the terms and conditions contained in the Insurance, claims shall be notified in writing to:

Tailored Travel Limited, 12 Jamaica Road, London SE1 2RN

For full details of the policy cover, conditions and exclusions please contact Towergate Chapman Stevens on 01932 334140.