Towergate Chapman Stevens Travel Insurance

 

Taking out a travel insurance policy for your UK trip with us is highly recommended, but it is a condition of booking if you are travelling outside of the UK.

 

Travel insurance is available from other providers, but we have arranged a tailored travel insurance policy with Towergate Chapman Stevens.

 

We would recommend that you make sure that any policy you have has the required sums insured and benefit levels to cover your trip with us, particularly in respect of Cancellation, Medical Expenses and Baggage.

 

Please see below details of the cover we are able to offer with Towergate Chapman Stevens (subject to Terms and Conditions).

 

Our Insurance Prices (per person)

Period

UK £

Europe £

1 Day

-

-

2 Days

15.00

25.00

3 Days

15.00

25.00

4 Days

15.00

30.00

5 Days

22.50

30.00

6 Days

22.50

35.00

7 Days

25.00

35.00

8 Days

25.00

40.00

9 Days

25.00

40.00

10 Days

30.00

45.00

11 Days

30.00

45.00

12 Days

30.00

50.00

13 Days

30.00

50.00

17 Days

30.00

50.00



Premiums above include Insurance Premium Tax - Currently at 20%.

 

Parrys International Tours 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 advise on and arrange general insurance contracts.

 

2018 DOCUMENTS:

Covers Departures from 01/01/2018 until 31/12/2018

Please Click HERE to view the 2018 Insurance Product Information Document

Please Click HERE to view our 2018 Policy Wording

Please Click HERE to view our 2018 Status Disclosure

Please Click HERE to view our 2018 Data Protection Policy   

 

2019 DOCUMENTS:

Covers Departures from 01/01/2019 until 31/12/2019

Please Click HERE to view the 2019 Insurance Product Information Document

Please Click HERE to view our 2019 Policy Wording

Please Click HERE to view our 2019 Status Disclosure

 

 

HOLIDAY INSURANCE

A holiday insurance scheme is available for all passengers travelling on our holidays. This scheme is arranged by Towergate Chapman Stevens and 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.the-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.

 

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 cover 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.

 

SUMMARY OF COVER (PLEASE SEE THE POLICY WORDING FOR FULL DETAILS OF THE COVER, LIMITATIONS AND EXCESSES)

 

SECTION OF COVER

MAXIMUM SUM INSURED AND / OR BENEFITS PER PERSON

MAXIMUM EXCESS PER PERSON

Cancellation

£1,500 (England, Scotland, Wales, Northern Ireland, Isles of Scilly, Channel Islands, Isle of Man & Europe)

·        £50 cancellation

·        £15 loss of deposit

Travel Delay (Northern Ireland, Isles of Scilly, Isle of Man, Channel Islands & Europe)

·        £60 Delayed Departure (£20 first 12-hours and £10 for each 12-hours thereafter)

·        £1,500 Holiday Abandonment (after 12-hours)

·        Nil Delayed Departure

·        £50 Holiday Abandonment

Missed Departure

·        £100 (England, Scotland & Wales)

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

Nil

Personal Accident

£15,000 (subject to age)

Nil

Medical & Other Expenses (including Curtailment

·        £2,000,000 Medical & Other Expenses (Isle of Man, Channel Islands & Europe)

·        £1,500 Additional Accommodation & Repatriation Expenses (England, Scotland, Wales, Northern Ireland & Isles of Scilly)

·        £1,500 Curtailment (England, Scotland, Wales, Northern Ireland, Isles of Scilly, Channel Islands, Isle of Man & Europe)

£50

Hospital Benefit

·        £100 (England, Scotland, Wales, Northern Ireland & Isles of Scilly)

·        £450 (Isle of Man, Channel Islands & Europe)

Nil

Personal Property (including Personal Money)

·        £1,500 Personal Property

·        £200 Personal Money (subject to age)

·        £100 Delayed Baggage (after 12-hours)

·        £50 Personal Property & Money

·        Nil Delayed Baggage

Loss of Passport / Visa Expenses

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

 

Nil

Personal Liability

£2,000,000

Nil

Legal Costs & 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 23 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:

  • 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

  • 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.

 

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:

  • against the advice of a medical practitioner, or

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

  • a consultant specialising in the relevant field.

 

If you are travelling outside of the United Kingdom you must telephone the 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 or before departure whichever is less of the policy documents to cancel the policy and receive a full refund of your premium.

 

Parrys International Tours 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.