Insurance Terms and Conditions

Starting from just £18 (inc IPT) per person for five days

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. To view the full policy online please click here.

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

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

Cancellation - up to £1,500 (Holidays 3 days duration or less Nil Excess. Holidays 4 days duration and over 20% of claim value/£15 in respect of Loss of Deposit claims)
Personal Accident - up to £15,000 Death and corresponding Benefits £15,000. Death Benefit limited to £7,500 if aged 70 or over, £1,000 if aged under 18 at time of travel. (No Excess)
UK Additional Travelling Expenses - up to £2,500 (£35 excess)
Medical Confinement Benefit - £10 per 24 hours (up to £100) (No Excess)
Personal Property including Money - Up to £1,500 in all. Single Article Limit £200/Valuables £400. Personal Money Up to £200 (age restrictions apply). (£35 excess)
Delayed Baggage (after 12 hours) - up to £100 (Excess 12 Hours)
Missed Departure - up to £100 (No Excess)
Personal Liability - up to £2,000,000 (No Excess)
Legal Expenses - up to £25,000 (No Excess)
Covid-19 - As per Cancellation & Medical Section

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

SIGNIFICANT EXCLUSIONS

RESIDENCY

No cover is provided if the person(s) to be insured are not currently 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.

In addition to the above the policy also contains the following main exclusions:
- Your participation in any professional or organised sports, winter sports, racing, speed or endurance tests, or dangerous pursuits unless agreed by us.
- Loss of or damage to money and valuables whilst left unattended or in/from luggage in transit.
- Travel against the advice of the carrier, any other public transport provider, the Foreign Commonwealth & Development Office (FCDO) or the World Health Organisation (WHO).
- Any insurance event arising from you being the being the driver, rider or passenger of a motorcycle when the insured person is not wearing a crash helmet, whether legally required locally or not.
- You must ensure that you have had any recommended inoculations, vaccines, (including Covid-19 where it has been offered to you) or medications relating to your destination, prior to your trip.
- Claims arising from any epidemic or pandemic as declared by the World Health Organisation. (This exclusion does not apply to the Covid-19 section).

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 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 of 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 of the personal information you supply to us will be handled strictly in accordance with the applicable Data Protection regulations and legislation.

Daish’s Holidays Limited is 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 www.fca.org.uk) or by contacting the Financial Conduct Authority Consumer Helpline on 0800 111 6768.

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.

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 or by calling 0800 138 7777 (Open Monday to Friday, 8am to 6pm).

If at any time you feel you have not been treated fairly by any member of our staff please contact us at the address or telephone number above.