Holiday Insurance

 

COACH HOLIDAY TRAVEL INSURANCE

 

(Effective for tours departing from 1st November 2018)

 

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 - 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, please include the appropriate premium when booking your holiday.

 

To view the insurance Product Information Document (IPID), Click Here

 

To view the Insurance Certificate, Click here

 

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 claim 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 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.

 

SECTION OF COVER

MAXIMUM SUMS INSURED AND /OR BENEFITS PER PERSON

MAXIMUM EXCESS PER PERSON

Cancellation

  • £5,000 (UK, Isle of Man, Channel Islands, Europe, Republic of Ireland & Worldwide)

  • £10 trips up to 3-days

  • £10 Loss of Deposit/£85 Cancellation trips 4-days plus

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

  • £90 (£30 for each 12-hours) Travel Delay

  • £5,000 (after 12-hours) Holiday Abandonment

  • Nil Travel Delay

  • £10 trips up to 3-days/£85 trips 4-days plus Holiday Abandonment

Missed Departure

  • £100 N.I. & R.O.I)

  • £300 (England, Scotland, Wales, Isles of Scilly, Isle of Man, Channel Islands & Europe)

  • £600 Worldwide

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, R.O.I., Europe & Worldwide)

 

£1,500 Additional Accommodation & Repatriation Expenses (UK)

 

£5,000 Curtailment (United Kingdom, Isle of Man, Channel Islands, R.O.I., Europe & Worldwide)

  • £85 Medical & Other Expenses

  • £10 trips up to 3-days/£85 trips 4-days plus Curtailment

Hospital Benefit

£100 (UK)

£500 (Isle of Man, Channel Islands, R.O.I., Europe & Worldwide

 

Nil

Baggage (including Personal Money)

£2,000 Personal Property

£2,000 (in Group Leader’s possession) Personal Money

£250 (in personal possession, subject to age) Personal Money

£100 (after 12-hours) Delayed Baggage

  • £85 Personal Property & Personal Money

  • NIL Delayed Baggage

Loss of Passport &/or Visa Expenses

£250

Nil

Personal Liability

£2,000,000

Nil

Legal Expenses

£25,000

Nil


SIGNIFICANT or UNUSUAL LIMITATIONS or WHAT IS NOT COVERED

1. Cover is only available for the whole duration of a booked trip to a maximum 17-consecutive days and cover cannot be purchased once a trip has already begun.

2. Certain hazardous sports and activities.

3. Personal effects – claims will be paid based on the value at today’s prices less a deduction for wear, tear and depreciation (loss of value)

4. Losses of personal property, valuables, passport, visa or money must be reported to police within 24 hours of discovery and a written police report obtained.

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. You being under the influence of drink or drugs (unless prescribed by a doctor).

8. Circumstances known to you before you booked your trip or purchased this insurance which could reasonably have been expected to lead to cancellation of the trip.

 

RESIDENCY

This policy is only available to residents of the United Kingdom, 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 for more than six 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.

 

If you are travelling within the United Kingdom 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:

    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 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.

 

IF YOU HAVE A CHANGE OF HEALTH BETWEEN BOOKING AND DEPARTURE

 

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.

 

TRAVEL INSURANCE PREMIUMS

 

TRIP DURATION                                                UK & ROI             EUROPE

1-3 days                                                       £14.00                   -

4-7 days                                                       £17.00              £28.00

8+ days                                                        £22.00              £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

Ulsterbus Limited trading as Ulsterbus Tours 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.

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