Holiday Insurance 2017

 

COACH HOLIDAY TRAVEL INSURANCE

 

(Effective for tours departing from 1st January 2017)

 

A holiday travel policy is available to all passengers travelling on our holidays arranged with ETI - International Travel Protection (ERV) - 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.the-fca.gov.uk) to undertake insurance business in the UK. Should you wish to take advantage of this holiday insurance offer please include the appropriate premium in your deposit payment 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 24-hour emergency service from Specialty Assistance Limited. 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 SUMS INSURED AND /OR BENEFITS PER PERSON

MAXIMUM EXCESS PER PERSON

Cancellation

  • £1,500 UK, Isle of Man, Channel Islands & Europe

  • £3,500 Worldwide

  • Nil holidays up to 3-days

  • £10 holidays 4-days plus Loss of Deposit

  • £35 (holidays 4-days plus) for holidays up to £299

  • £50 (holidays 4-days plus) for holidays over £300 Cancellation

Delayed Departure

  • £90 Delayed Travel

  • £1,500 Northern Ireland, Isles of Scilly, Isle of Man, Channel Islands & Europe

  • £3,500 Worldwide Holiday Abandonment

  • Nil Delayed Travel

  • £35 (holidays 4-days plus) for holidays up to £299 Holiday Abandonment

  • £50 (holidays 4-days plus) for holidays over £300 Holiday Abandonment

Missed Departure

  • Nil Delayed Travel

  • £35 (holidays 4-days plus) for holidays up to £299 Holiday Abandonment

  • £50 (holidays 4-days plus) for holidays over £300 Holiday Abandonment

Nil

Personal Accident

£15,000 (£1,000 if aged under 16-years or £7,500 if aged 66-years plus at the time of accident)

Nil

Medical & other Expenses

£2,000,000

  • £25 holidays £299 or under / £50 holidays £300 plus

  • Nil holidays up to 3-days Curtailment

  • £35 (holidays 4-days plus) for holidays up to £299 Curtailment

  • £50 (holidays 4-days plus) for holidays over £300 Curtailment

Hospital Benefit

£100 UK / £500 Non-UK

Nil

Baggage & Personal Property

£1,500 Baggage

£250 Personal Money

£100 Delayed Baggage

  • Nil Delayed Baggage

  • £25 Baggage & Personal Money

Loss of Passport &/or Visa

£250

Nil

Personal Liability

£2,000,000

Nil

Legal Expenses

£25,000

Nil



 

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

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 or Eire 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 YES to all of the questions 1. to 5. a) and b) below:

 

1. You are not aware of any reason why the trip could be cancelled or cut short.

2. You are not travelling:

    a) against the advise of a medical practitioner

    b) for the purpose of obtaining medical treatment, or

    c) if you have been given a terminal prognosis.

3. You are not receiving or awaiting treatment for any bodily injury, illness or disease as a hospital day case or in-patient.

4. If you are on medication at the time of travel your medical condition is stable and well controlled.

5. If you suffer from stress, anxiety, depression or any other mental or nervous disorder, it must have been investigated and diagnosed as such 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 who has confirmed in writing (at your cost) that you are fit enough to take this trip.

 

If you are travelling outside of the United Kingdom or Eire you must telephone the Towergate Medical Line 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.

 

The Towergate Medical Line office hours are 9am to 5pm Monday to Friday excluding Bank Holidays.

 

PLEASE NOTE You must also notify the Towergate Medical Line 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.

 

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.

· 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.

 

TRAVEL INSURANCE PREMIUMS

 

TRIP DURATION                                                UK & ROI             EUROPE

1-3 days                                                       £13.00                   -

4-7 days                                                       £16.00              £26.00

8+ days                                                        £21.00              £33.00

 

All premiums include 20% Insurance Premium Tax.

 

Ulsterbus 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.

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Ulsterbus Tours

Europa Buscentre,

Glengall Street,

Belfast, BT12 5AH

Monday - Friday 09:00 - 17:00

Saturday 09:00 - 12:30

Sunday Closed

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