Holiday Insurance

 

COACH HOLIDAY TRAVEL INSURANCE

 

(Effective for tours departing before 1st January 2018)

 

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.

 

 

Holiday Insurance 2018

 

COACH HOLIDAY TRAVEL INSURANCE

 

(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 - 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.

 

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

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

  • £3,500 Worldwide

  • Nil holidays up to 3-days

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

Delayed Departure (N.I., Scilly Isles, Channel Islands, R.O.I., Europe)

  • £90 Delayed Travel

  • Holiday Abandonment as per Cancellation sums insured above

  • Nil Travel Delay

  • Nil trips up to 3-days plus Holiday Abandonment

Missed Departure

  • £100 England, Scotland & Wales

  • £300 N.I., Scilly Isles, Channel Islands, R.O.I. & Europe

Nil

Personal Accident

£15,000 (Subject to age)

Nil

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

 

Nil

Baggage (including & Personal Money)

£2,000 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

£200

Nil

Personal Liability

£2,000,000

£100

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 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.

 

RESIDENCY

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.

 

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 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 quesyions 1 to 3 and YES to questions 4 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.

 

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         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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