Travel Insurance

Our client holiday travel insurance scheme 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 SE (GLISE). Great Lakes Insurance SE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: 10 Fenchurch Avenue, London, EC3M 5BN, company number SE000083. Great Lakes Insurance SE, UK Branch, is authorised and regulated by Bundesanstalt für Finanzdienstleistungsaufsicht. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority.

Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.

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 registered office: 10 Fenchurch Avenue, London, EC3M 5BN. Details about the extent of GLISE’s authorisation and regulation by the Prudential Regulation Authority, and regulation by the Financial Conduct Authority are available upon request.

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 brief 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

PLEASE SEE THE POLICY WORDING FOR FULL DETAILS OF THE COVER, LIMITATIONS AND EXCESSES, A SPECIMEN COPY OF WHICH IS AVAILABLE UPON REQUEST.

Cover	Sum Insured	Excess
Cancellation	Up to £5,000 UK, Isle of Man, Channel Islands & Europe & £10,000 Worldwide	Holidays 3 days duration or less Nil Excess. Holidays 4 days duration and over £75 (£15 in respect of Loss of Deposit claims)
Personal Accident	Up to £30,000 Death and corresponding Benefits £15,000. Death Benefit limited to £7,500 If aged 70/£1,000 if aged under 18 at time of travel	No Excess
Medical Expenses including Repatriation (only applicable to travel outside of the UK)	Up to £5,000,000	£75 UK, Isle of Man, Channel Islands & Europe & £250 Worldwide
UK Additional Travelling Expenses	Up to £2,500	£75
Medical Confinement Benefit	£10 per 24 hours up to £100 UK £15 per 24 hours up to £500 Channel Islands & Europe	No Excess
Mugging Benefit	£50 per 24 hours up to £500	Nil
Curtailment	Up to £10,000	Holidays 3 days duration or less Nil Excess. Holidays 4 days duration and over £75
Personal Property Including Money	Up to £1,500 in all. Single Article Limit £200/Valuables £400 Personal Money Up to £500 (age restrictions apply) Delayed Baggage (after 12 hours) Up to £200	Personal Property & Money £75 Delayed Baggage – Excess 12 Hours
Loss of Passport	Up to £500	No Excess
Missed Departure	Up to £200 UK, £800 Isle of Man, Channel Islands, Europe & Worldwide	No Excess
Travel Delay	Travel Delay up to £60 Cancellation (holiday abandonment) up to £10,000	Travel Delay Excess = 12 hours Holiday abandonment excess as per Cancellation
Personal Liability	Up to £2,000,000	No Excess
Legal Expenses	Up to £25,000	No Excess
Covid-19	As Per Cancellation & Medical Section	As Per Cancellation & Medical Section

COVID-19 Cover

Our NEW COVID-19 policy now covers you for disruption to your holiday plans as a result of the COVID-19 pandemic (Terms & conditions apply). This is included in the cost of all travel insurance policies we sell.

What is covered if I have to cancel?

• You, your close relative, a member of your household or your travelling companion(s) if you or they have a positive COVID-19 test result within 14-days or the scheduled departure date; or
• You being denied boarding your pre-booked outbound travel because you are displaying COVID-19 symptoms supported by a subsequent positive COVID-19 test result.

What is covered if I have to curtail (cut short) my trip?

• You, if you have to cut short your trip due to the death of a close relative, as certified by a medical practitioner, following a positive COVID-19 test result.

What is covered if I receive a positive COVID-19 test during my trip?

• Cost of essential emergency medical treatment if the trip is outside of the United Kingdom.
• Emergency repatriation and other travel expenses.
• Emergency additional accommodation expenses (room only) for you to extend your trip until you are medical fit to return home.
• £30 per day, up to £300 in total, if you are ordered to self-isolate in your holiday accommodation by a relevant Government authority, following you receiving a positive COVID-19 test result.

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:

a) You are aware of any medical condition or set of circumstances that could reasonably be expected to give rise to a claim.

b) The insured person whose medical condition gives rise to a claim:

    i) Is receiving, or on a waiting list for, surgery, in-patient treatment or investigations in a hospital, clinic, or nursing home.

    ii) Is travelling against any health requirements stipulated by the carrier, their handling agents or other public transport provider.

    iii) Is travelling against the advice of a Medical Practitioner or for the purpose of obtaining medical treatment abroad.

    iv) 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.

Terms and conditions apply.

Leger Holidays Limited & Leger Air Holidays Limited are an appointed Representative of ITC Compliance Limited who are authorised and regulated by the FCA (their registration number is 313486) and which is permitted to advise on and arrange general insurance contracts. You can check these details online using the Financial Services Register (accessible from https://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).