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Travel Insurance

Travel Insurance

Client Holiday Travel Insurance

Our Client Holiday Travel Insurance is available to eligible passengers travelling on our holidays which is arranged by Wrightsure Services (Hampshire) Limited and underwritten by ERGO Travel Insurance Services Ltd (ETI) on behalf of Great Lakes Insurance UK Limited.

Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 10 Fenchurch Avenue, London, United Kingdom, EC3M 5BN.

Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 955859. You can check this on the Financial Services Register by visiting: https://register.fca.org.uk.

ERGO Travel Insurance Services Ltd (ETI) is registered in England and Wales, company number 11091555. ERGO Travel Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority, register number 805870 and whose registered office address is 10 Fenchurch Avenue, London, EC3M 5BN.

This insurance is available only to residents of the United Kingdom who purchase cover before they travel.

Wrightsure Services (Hampshire) Ltd is authorised and regulated by the Financial Conduct Authority (their registration number is 311394) and is permitted to advise on and arrange general insurance contracts. You can check these details online using the Financial Services Register (accessible from https://register.fca.org.uk) or by contacting the Financial Conduct Authority Consumer Helpline on 0800 1116768.

Should you wish to take out this travel 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 sums 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 below the details of the insurance cover provided which also includes 24-hour emergency service from Mayday Assistance Limited. The following is a summary of the cover available. Full details of cover 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.


SUMMARY OF COVER

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Cover Sum Insured (up to) Excess

Emergency medical and repatriation expenses

  • UK trip limit
  • Hospital confinement benefit (UK)
  • Hospital confinement benefit (Outside UK)
  • Mugging
  • Emergency dental treatment
  • Additional travel and accommodation expenses
  • Funeral or cremation expenses abroad
  • Overnight Subsistence
  • UK prescriptions
  • UK physiotherapy and chiropractic care

£2,000,000

  • £2,500
  • £10 per 24 hours up to £100
  • £15 per 24 hours up to £450
  • £50 per 24 hours up to £500
  • £250
  • £1,000
  • £5,000
  • £25 per person, per night up to £200
  • £50
  • £300

£35

  • £35
  • Nil
  • Nil
  • Nil
  • £35
  • Nil
  • £35
  • Nil
  • Nil
  • Nil

Cancellation

£1,500

Holidays 3 days duration or less Nil Excess. Holidays 4 days duration and over £65 (£15 in respect of Loss of Deposit claims).

Curtailment and loss of holiday

£1,500

Holidays 3 days duration or less Nil Excess. Holidays 4 days duration and over £65.

Personal accident

  • Death (aged over 18)
  • Death (under 18)
  • Death (aged 70 or over)
  • Permanent total disablement
  • Loss of limb(s) or total and irrecoverable loss of Sight

 

  • £15,000
  • £1,000
  • £7,500
  • £15,000
  • £15,000

 

  • Nil
  • Nil
  • Nil
  • Nil
  • Nil

Personal possessions

  • Single item limit
  • Valuables

£1,500

  • £200
  • £400

£35

Personal money

  • Personal money
  • Cash

 

  • £200
  • £200

 

  • £35
  • £35

Passport and other documents

  • Event Tickets
  • Passport and other documents

 

  • £200
  • £200

 

  • £35
  • Nil

Baggage delay on outward journey

£50 after each 12 hours of delay up to £100

Nil

Missed departure and Missed connection

  • Missed departure
  • Missed connection

 

  • £100 (United Kingdom) £300 (Outside the United Kingdom)
  • £100 (United Kingdom) £300 (Outside the United Kingdom)

 

  • Nil
  • Nil

Travel delay and abandonment

  • Travel delay benefit
  • Abandonment after 12 hours delay

 

  • £20 per 12 hours up to £60
  • £1,500

 

  • Nil
  • Holidays 3 days duration or less Nil Excess. Holidays 4 days duration and over £65

Personal liability

£2,000,000

Nil

Legal costs and expenses

£25,000

Nil

COVID-19

  • Emergency medical and repatriation expenses
  • Cancellation/Curtailment

 

  • £2,000,000 (£2,500 within the UK)
  • £1,500

 

  • £35
  • Holidays 3 days duration or less Nil Excess. Holidays 4 days duration and over £65 (£15 in respect of Loss of Deposit claims).

Health Conditions

We shall not be liable for claims WHERE AT THE TIME OF TAKING OUT THIS POLICY AND BETWEEN THAT TIME AND YOUR DEPARTURE:

  1. You are aware of any medical condition or set of circumstances that could reasonably be expected to give rise to a claim.
  2. The insured person whose medical condition gives rise to a claim:
    1. Is receiving, or on a waiting list for, surgery, in-patient treatment or investigations in a hospital, clinic, or nursing home.
    2. Is travelling against any health requirements stipulated by the carrier, their handling agents or other public transport provider.
    3. Is travelling against the advice of a Medical Practitioner or for the purpose of obtaining medical treatment abroad.
    4. Has been given a terminal prognosis.

Please note: If you are on medication at the time of travel, your medical condition(s) must be stable and well controlled.

If you are travelling outside of the UK, you must notify the Change in Health helpline immediately if a change in health occurs (including any change to medication) between the date this policy is issued and your scheduled date of departure.


SIGNIFICANT EXCLUSIONS

  1. No cover is provided if the person(s) to be insured are not resident in the United Kingdom, meaning that all insured persons must have an address in the United Kingdom and have lived in the United Kingdom for at least 6 of the last 12 months & are registered with a General Practitioner in the United Kingdom.
  2. Trips of more than 31 days duration or in relation to Frequent Traveller policies 17 days, unless otherwise agreed.
  3. Losses which are not directly associated with the insurance event causing the claim, for example loss of earnings if You are unable to work or the cost of replacing locks if You lose your keys.
  4. Losses recoverable from any other source. Where another insurance policy covers the same risk, insurers will only pay their proportionate share of a valid claim.
  5. Any loss, damage, cost, or expense directly or indirectly caused by the act of an insured person voluntarily entering an area known at the time to be subject to War and Civil Unrest or against the advice of the Foreign, Commonwealth & Development Office.
  6. Disinclination to travel.

Examples of other exclusions and the policy terms and conditions are contained within the policy wording, a specimen copy of which is available upon request. If, having purchased a policy from us, you subsequently find the policy does not meet your needs & requirements you have 14 days from the date of issue or prior to travel, whichever is sooner, to cancel the policy and receive a full refund of your premium.


Protecting your information

We will only use your personal details in line with our Privacy Notice. This can be found on our website or is available in hard copy format upon request and you should read this carefully and contact us immediately if you have any queries. Your personal information includes all the details you have given us to process your insurance policy (we will not ask for more information than is necessary). We may share your data with Third Parties for the provision and ongoing performance of your insurance policy. Your data may be transferred outside the UK. All the personal information you supply to us will be handled strictly in accordance with the applicable Data Protection regulations and legislation.


Our earnings

We do not charge fees for our insurance related services however we and Wrightsure Services (Hampshire) Limited may receive some form of renumeration in relation to the arrangement of insurance. We and Wrightsure Services (Hampshire) Limited generally receive a commission from Insurers which is a percentage of the annual premium that you are charged.

Wilfreda Luxury Coaches Limited T/A Eagre Coaches & Wilfreda Beehive 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 as an intermediary. You can check these details online using the Financial Services Register (accessible from www.fca.org.uk) or by contacting the Financial Conduct Authority Consumer Helpline on 0800 111 6768.

Not the right level of cover to meet your Travel Insurance needs? If we can't offer you the cover you want, or your premium is higher than you wanted because you have medical conditions, you may be able to get help by accessing the MoneyHelper travel directory at: https://www.moneyhelper.org.uk/en/everyday-money/insurance/travel-insurance-directory?source=mas# or by calling 0800 138 7777 (Open Monday to Friday, 8am to 6pm).


Click the links below to review our insurance documents

click here for the Policy Booklet

click here for the Insurance Product Information Document (IPID)

click here for the Status Disclosure Document


If at any time you feel you have not been treated fairly by any member of our staff, please contact us

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