Travel Insurance Summary

November 8th, 2018

Travel Insurance Summary

Company: This policy is underwritten by ETI-International Travel Protection, the United Kingdom branch of Europäische Reiseversicherung A.G. an Ergo Company incorporated and regulated under the laws of Germany authorised by the Bundesanstalt für Finanzdienstleistungsaufsicht (BAFIN – www.bafin.de) and the Prudential Regulation Authority and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority, and DAS Legal Expenses Insurance Company Limited, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (FRN202106) and the Prudential Regulation Authority. Registered in England & Wales.

Administered by Towergate Travel, Towergate Travel is a trading name of Towergate Underwriting Group Limited, registered in England with company number 4043759. Registered Address: 1 Minster Court, Mincing Lane, London, EC3R 7AA. Towergate Underwriting Group Limited is authorised and regulated by the Financial Conduct Authority. Our register number is 313250.

Product:  Single trip travel insurance

This document is a summary of the insurance contract. Please see the policy documents for the full cover, terms, conditions and limits of the insurance contract.

Policy number: FTW/19                                                      Sold by: Williams Holidays

What is this type of insurance?

This insurance provides a package of travel insurance benefits to cover a single trip within the Geographical limits and the cover dates you have chosen.

What is insured?

Cancellation – up to £2,000.

Travel delay – £20 for the first 12 hours and £10 for each 12 hours delay after that up to a total of £60 or £2,000 holiday abandonment outside of the United Kingdom. This section does not apply to trips within the United Kingdom (unless involving travel to or from Northern Ireland or the Isles of Scilly).

Missed departure – up to £100 for trips to England, Scotland and Wales and £200 for trips to Europe, the Channel Islands, Northern Ireland, the isle of Man and the Isles of Scilly.

Personal accident – up to £10,000 (subject to age)

Medical and other expenses – up to £1,000,000 and including Curtailment – up to £2,000.

Hospital benefit – £10 a day up to £100 within the United Kingdom and £15 a day up to £450 outside the United Kingdom.

Personal property – up to £1,000

– £200 any one article

– £200 valuable limit

– £100 for baggage delay after 24 hours.

Loss of passport or visa – up to £200.

Personal liability – up to £1,000,000.

Legal costs and expenses – up to £25,000.

What is not insured?

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

Medical treatment which can wait until you return home.

Travelling against medical advice or with the intention of obtaining medical treatment abroad.

Private medical treatment unless agreed by Towergate Assistance or us.

Baggage and personal money claims will be paid based on the value of the items at today’s prices less a reduction for wear, tear and depreciation (loss of value).

Contact lenses, dentures, hearing aids, samples or merchandise, bonds, coupons, securities, stamps, documents of any kind (other than as defined in the personal money definition), vehicles or accessories (other than wheelchairs and pushchairs only), tents, antiques, musical instruments, pictures, sports gear whilst in use, pedal cycles, dinghies, boats and/or ancillary equipment.

Money and valuables whilst unattended or in luggage in transit.

Some sections of the policy may be subject to an excess unless otherwise specified in your policy. This is the amount you pay when you make a claim.

Certain hazardous sports and activities may not be covered under this policy – see the policy wording for further details.

You drinking too much alcohol, or any form of alcohol abuse, where it is reasonably foreseeable that such consumption could result in a serious impairment of your faculties and/or judgement.

Are there any restrictions on cover?

! Only available to residents of the United Kingdom.

! You do not need to declare your medical conditions, but you must answer some questions to be covered for any medical conditions you have or have had.

! You must also 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).

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

Where am I covered?

✓ The area you have chosen will be shown in the Geographical limits in your policy document.

✓ You will not be covered if you travel to a country or region where the Foreign and Commonwealth Office or the World Health Organisation has advised against all travel or all but essential travel. For further details, visit gov.uk/foreign-travel-advice

What are my obligations?

  • You must take reasonable care to give us complete and accurate answers to any questions we ask – whether you’re taking out or making changes to your policy.
  • Read your policy carefully to ensure you have the cover you need, and it meets your requirements.
  • Tell us as soon as possible if there are any changes to your circumstances that may affect your cover such as a change in health, or if it is likely you will need to make a claim.
  • You should take reasonable care for the safety and supervision of your property.
  • 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.
  • You must get a written report from your transport provider if your property was lost, damaged or destroyed in transit, or a Property Irregularity Report (PIR) in the case of an airline.

When and how do I pay?

The premium can be paid by debit or credit card before the effective date of the insurance policy.

When does the cover start and end?

Cancellation cover under single trip policies starts upon payment of premium and ends on the date of your departure. Cover under all other sections starts on the date of your departure and all cover under the policy ceases when you return home on the date of your return from your trip as set out in your booking confirmation.

How do I cancel the contract?

If this insurance is not suitable, please email enquiries@Williams-travel.co.uk or call 01209 717 152 within 14 days of receipt of your policy documents. We will cancel the policy and refund your premium in full provided you have not already taken your trip or made a claim. If you cancel after the 14 day period, no refund of premium will be made.

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