a: Europa Buscentre, Glengall Street, Belfast, BT12 5AH
tel: 028 9033 7004 fax: 028 9024 6926
Status Disclosure Information
The Financial Conduct Authority (FCA) is the independent regulator of financial services. Use this information to decide if our services are right for you.
Ulsterbus Limited t/a Ulsterbus Tours is an appointed representative of ITC Compliance Limited which is authorised and regulated by the FCA (their registration number is 313486) and which is permitted to advise on and arrange general insurance contracts.
Ulsterbus Limited t/a Ulsterbus Tours only offer Connected Travel Insurance from single insurers. Details of insurers may be provided on request.
We do not charge fees for our insurance related services. We may receive a commission from the product provider.
We hold any insurance money (premiums, refunds or claims money) as the agent of the insurer under a risk transfer agreement.
You WILL NOT receive advice or a recommendation from us for insurance. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.
We always aim to provide a first class service, however if you have any cause for complaint any enquiry can be raised by either email, in writing or by telephoning The Compliance Officer, ITC Compliance Limited, Monarch Court, Emersons Green, Bristol, BS16 7FH, email@example.com, 0845 177 22 66 or 0117 9708426. Should you remain dissatisfied you have the right to ask the Financial Ombudsman Service to review your case. You should write to the Financial Ombudsman Service, Exchange Tower, London E14 9SR. Telephone 0800 023 4567. Website: www.financial-ombudsman.org.uk. You may be entitled to compensation should we be unable to meet our liabilities as an insurance intermediary under the Financial Services Compensation Scheme (FSCS). Your entitlement to compensation will depend upon the type of business and the circumstances of your claim. Insurance advising and arranging is covered for 90% of the claim, without any upper limit or for compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from FSCS.
Details of ITC Compliance Limited's authorisation can be confirmed by contacting the FCA on 0800 111 6768 or by visiting the FCA's website http://www.fca.org.uk/register.
Demands And Needs Statement
This travel insurance policy will suit the Demands and Needs of an individual, or group (where applicable) who have no pre-existing medical conditions, are travelling to countries included within the policy terms and who wish to insure themselves against the financial impact of specified unforeseen circumstances/events relating to or occurring during their trip. Subject to policy exclusions, terms, conditions and maximum specified claim limits; full details of which may be found in your policy booklet. If you do not have one of these please ask for a copy to aid you in making your own informed buying decision.
You may already possess alternative insurance(s) for some or all of the features and benefits provided by products purchased; it is your responsibility to investigate this. We will not provide you with advice about the suitability of this product for your individual needs but we will be happy to provide you with factual information to assist you in making an informed buying decision.
All policies have exclusions and restrictions to them. It is very important that you read and understand these and only purchase the policy if you are happy that you and (where applicable) every member of your party meet the eligibility criteria: Specifically for travel our policy may NOT be applicable for you if:
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.
You must be able to comply with the following conditions to have the full protection of your policy. If you do not comply the insurers 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 the 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 6 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
3. if you have been given a terminal prognosis.
4. You are not receiving or awaiting treatment for any bodily injury, illness or disease as a hospital day case or in-patient.
5. If you are on medication at the time of travel your medical condition is stable and well controlled.
6. 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 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) or the Republic of Ireland.
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.
In addition to the above the policy also contains the following main exclusions:
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 climed 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 the 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:
An unattended coach/bus unless it was locked in the luggage compartment of the coach/bus and evidence of force or violet entry to the vehicle is available, or the passenger compartment of any unattended vehicle.
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.
If you do decide to cancel your money will be refunded in full, provided no claims have been made or incident likely to give rise to a claim has arisen.
Travel policies will not cover travel to areas where the Foreign and Commonwealth Office has advised against 'all travel'. If you are not sure whether there is a travel warning for your destination, please check with the Foreign and Commonwealth Office (phone 020 7008 1500 or visit their website at www.fco.gov.uk).
It is your responsibility to do this and no information or guidance will be provided by ourselves in this regard.
Confidentiality and Data Protection
Your information will only be disclosed/provided to third parties for the purposes of providing, arranging, administering and renewing insurance contract(s) and for the purposes of monitoring and/or enforcing compliance with insurance regulatory rules/codes. For full details of where your information will be sent and the purpose of such data transfer, please ask us.
I confirm that I have been provided with a copy of this document together with all relevant policy documentation to enable me to make an individual informed buying decision based on my own personal circumstances and the merits of the policy. This buying decision was my own and I did not receive a personal recommendation or advice from Ulsterbus Limited T/A Ulsterbus Tours.
Please keep this page with your insurance policy documents.
If you are intending to purchase an insurance product you confirm that you did not receive any recommendation or advice from us regarding the suitability of the product for your circumstances; that you have received the documentation below * and had the opportunity to review and question any items that may be unclear to you and that you have made an individual informed buying decision based on your own personal circumstances and the merits of the policy:
o This document (status disclosure)
o A policy booklet or similar, detailing policy terms, conditions, exclusions and your cancellation rights
o Price information including all applicable taxes and where applicable interest payments
If you have not been provided with these documents, please ask a member of staff who will be happy to assist.