Holiday Insurance




Holiday Insurance 2018




(Effective for tours departing before 1st January 2019)


A holiday travel policy is available to all passengers travelling on our holidays. This scheme is arranged by Towergate Chapman Stevens and is underwritten by ETI - International Travel Protection (ERV) - the UK branch of Europäische Reiseverscherung AG, who are authorised by the Bundesanstalt für Finanzdienstleistungsaufsicht (BAFIN - and approved by the Financial Conduct Authority (FCA - to undertake insurance business in the UK. Should you wish to take advantage of this holiday insurance, please include the appropriate premium when booking your holiday.



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 claim insured.



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 in the table 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.






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

  • £3,500 Worldwide

  • Nil holidays up to 3-days

  • £10 Loss of Deposit/£75 Cancellation trips 4-days plus

Travel Delay (N.I., Scilly Isles, Isle of Man, Channel Islands, R.O.I., Europe & Worldwide)

  • £90 Delayed Travel

  • Holiday Abandonment as per Cancellation sums insured above

  • Nil Travel Delay

  • Nil trips up to 3-days/£75 trips 4-days plus Holiday Abandonment

Missed Departure

  • £100 England, Scotland & Wales

  • £300 N.I., Scilly Isles, Isle of Man, Channel Islands, R.O.I. & Europe. £600 Worldwide


Personal Accident

£15,000 (Subject to age)


Medical & Other Expenses (including Curtailment)

£2,000,000 (£1,000 UK Additional Accommodation & Repatriation Expenses/£1,500 United Kingdom, Isle of Man, Channel Islands, Republic of Ireland & Europe Curtailment/£3,500 Worldwide Curtailment)

  • £75 Medical & Other Expenses

  • Nil trips up to 3-days/£75 trips 4-days plus Curtailment

Hospital Benefit

£100 UK / £500 Isle of Man, Channel Islands, Republic of Ireland, Europe & Worldwide



Baggage (including & Personal Money)

£1,500 Baggage/£2,000 Money in Group Leader’s Possession/£200 Personal Money (subject to age)/£100 Delayed Baggage

  • Nil Delayed Baggage

  • £75 Baggage & Personal Money

Loss of Passport &/or Visa Expenses



Personal Liability



Legal Expenses





1. 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.

2. The excess amount deductible from a claim applies to each and every claim, per incident claimed for, under certain sections by each insured person.

3. 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.

4. 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.

5. 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.



This policy is only available to residents of the United Kingdom and Republic of Ireland, defined as staying in or has lived in the United Kingdom / Republic of Ireland for more than 12-months or is studying or working in the United Kingdom / Republic of Ireland for more than six months.



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 Republic of Ireland 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 6a and 6b 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 advise 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) is stable and well controlled?

6. If you suffer from stress, anxiety, depression or any other mental or nervous disorder, have you recieved written confirmation (at your cost) that you are fit enough to take this trip by either:

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?


If you are travelling outside of the United Kingdom or Republic of Ireland 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 (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.




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 of the policy documents to cancel the policy and receive a full refund of your premium.




TRIP DURATION                                                UK & ROI             EUROPE         AIR TOURS

1-3 days                                                       £14.00                   -

4-7 days                                                       £17.00              £28.00

8+ days                                                        £22.00              £35.00           £35.00


All premiums include 20% Insurance Premium Tax.


Ulsterbus Tours Limited t/a Ulsterbus Tours 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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