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TRAVEL INSURANCE – IMPORTANT INFORMATION

 

Taw and Torridge Limited t/as Swan Tours is an appointed representative of Arthur J. Gallagher Insurance Brokers Limited which is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 7th Floor, 55 Blythswood Street, Glasgow, G2 7AT. Registered in Scotland Company Number: SC108909.

We only offer travel insurance from a single insurer

For policies sold up to 31.12.2019 our Travel Insurance will be underwritten by Europaische Reiseversicherung AG (ERV).

For policies sold from 01.01.2020 our Travel Insurance will be underwritten by Great Lakes Insurance SE.

This travel insurance is suitable for those who wish to insure themselves when travelling against the specified financial loss of unforeseen circumstances and events relating to your trip. A list of the covers and corresponding limits can be found below. This summary provides only a brief guide to your Travel Insurance cover and exclusions. It does not contain the full terms and conditions of the policy, which can be found in the policy document. We have not provided you with any recommendation or advice about whether this product meets your specific insurance requirements. It is your responsibility to decide whether this policy suits your needs.

Important Notice – Information We Need To Know About - You must take reasonable care to provide complete and accurate answers to the questions we ask. You should be aware that if the information provided by you is not complete and accurate, your insurer may; cancel your policy and refuse to pay any claim, or not pay any claim in full, or revise the premium and/or change any excess, or revise the extent of cover or terms of this insurance.

We recommend that you keep a record (including copies of letters) of all the information you provide to us for your future reference. We also draw your attention to any conditions, limitations, exclusions and excesses within the policy wording

SIGNIFICANT EXCLUSION: If your medical condition cannot comply with the following terms then any claim related to that medical condition will not be covered:

For UK Travel (England, Scotland, Wales, Northern Ireland or Scilly Isles). You DO NOT need to declare your medical conditions; however, you must comply with the following;

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 advice of a medical practitioner (b) for the purpose of obtaining medical treatment (c) if you have been given a terminal prognosis

3. You are not receiving or awaiting tests, treatment or investigations for any illness or injury as a hospital day case or inpatient. Any claim arising from this illness or injury will not be covered

4. If you are on medication at the time of travel your medical condition must be stable and well controlled

5. You must notify Medical Screening immediately of any change in your medical circumstances between the policy issue date and time of departure.

For EU Travel (including The Channel Islands); the traveller MUST inform Medical Screening via the health check phone line on 01403 288 423 if they or any person upon whose health the trip depends;

1. Has any existing or on-going medical condition(s)

2. Is taking any prescribed medication

3. Has or has had any medical condition(s) still requiring periodic review

4. Is awaiting any tests, treatment, investigation, referral or the results of these

5. You must notify Medical Screening immediately of any change in your medical circumstances between the policy issue date and time of departure.

This information is correct at the time of printing, but may be subject to change. Please refer to your policy document to check your cover.

 

Travel Policy

For full details about your cover and all exclusions please refer to the policy document

COVER

LIMIT

EXCESS PAYABLE

Cancellation

Up to £2,000

Excess: £50            Deposit only: £10

Curtailment

Up to £2,000

£50

Emergency Medical & Repatriation Expenses

Up to £2m

£50

Missed Departure (not UK)

Up to £600

£50

Personal effects and Money

Up to £1,500

Up to total of £200 for valuables

Up to £200 for Lost Passport

£50

Luggage Delay

Up to £100

NIL

Personal Liability

Up to £2,000,000

NIL

Personal Accident

Up to £15,000

NIL

Legal Costs & Expenses

Up to £25,000

NIL

 

Cancellation Rights - If your cover doesn’t meet your requirements, please let Swan Tours know within 14 days of receiving your policy document and return all your documents for a refund of your premium. Any premium already paid will be refunded to You providing you have not travelled, no claim has been made or is intended to be made and no incident likely to give rise to a claim has occurred.

Claims - Full details of how to make a claim and how to appeal should your claim not be successful can be found in the policy document.

Complaints - Should you have a complaint about the sale of your travel insurance policy, please contact The Travel Manager, Arthur J. Gallagher Insurance Brokers Limited, 6th Floor, Temple Circus House, Temple Way, Bristol, BS1 6HG. Should you remain unhappy with our final reply, you may have the right to refer your complaint to The Financial Ombudsman Service, Exchange Tower, London E14 9SR. Further details about our complaints procedure can be found in the attached ‘About our Insurance Services’ document.

Financial Services Compensation Scheme (FSCS) - You may be entitled to compensation from the Financial Services Compensation Scheme ("FSCS") should we be unable to meet our obligations and subject to eligibility. Details of the circumstances in which you can make a claim – and instructions on how to do so – can be found on the FSCS website: http://www.fscs.org.uk.

 

 Updated June 2019

 

NOTICE TO PASSENGERS –

UPDATE ON INSURANCE COVER

Underwriters for your coach travel insurance policy have enhanced cover relating to COVID-19, see below the new Section 9: COVID-19 Cover Endorsement – this sets out the cover available and the exclusions relating to COVID-19.

This enhancement relating to COVID-19 cover has resulted in an increase to the price of travel insurance as previously advertised on our website and those which are advertised in our brochure. Please request a quotation for travel insurance when booking your holiday with us.

Coach Holiday Travel Insurance

Section 9: COVID-19 Cover Endorsement

PLEASE NOTE: this section of cover extends the cover provided under Section 1 Cancellation and Curtailment and Section 3 Emergency Medical and Repatriation Expenses of your Coach Holiday Travel Insurance Policy as follows:

A. Cancellation

We provide to each Insured Person in total per Insured Journey, not exceeding the sum insured shown in the Summary of Cover, following necessary and unavoidable cancellation of a Trip as a result of:

1. You, Your Close Relative, a member of Your household or travelling companion or a friend with whom You had arranged to stay has a diagnosis of COVID-19 within 14 days of Your booked departure date, as certified by a medical practitioner following a medically approved test showing a positive result for COVID-19.

2. You being denied boarding on Your pre-booked outbound travel due to You contracting COVID-19, as certified by a medical practitioner following a medically approved test showing a positive result for COVID-19.

What is covered

1. The cost of all travel charges that You have paid and/or are contracted to pay before the departure date and cannot recover in respect of any part of the Trip that You are necessarily required to cancel.

B. Curtailment

We provide to each Insured Person in total per Insured Journey, not exceeding the sum insured shown in the Summary of Cover, following necessary and unavoidable Curtailment of an Insured Journey as a result of:

1. Death of Your Close Relative contracting COVID-19, as certified by a medical practitioner following a medically approved test showing a positive result for COVID-19.

What is covered

1. All reasonable additional travel expenses incurred by You in returning to Your home address in the United Kingdom.

C. Emergency medical and repatriation expenses

We provide to each Insured Person in total per Insured Journey, not exceeding the sum insured shown in the Summary of Cover in the event of an unforeseen medical emergency during an Insured Journey outside the United Kingdom as a result of You contracting COVID-19, as certified by a medical practitioner following a medically approved test showing a positive result for COVID-19.

What is covered

1. Emergency medical and repatriation expenses:

a. Reasonable and necessary medical and hospital expenses, including the cost of ambulance transport where medically necessary to take You to hospital; and

b. Returning You to the United Kingdom provided this is medically safe and authorised by Us or Our Assistance Company; and

c. The cost of a medical escort where this is deemed necessary by Us or Our Assistance Company, in the event of Your emergency repatriation to the United Kingdom; and

2. Reasonable additional travel and accommodation expenses (room only) for You to extend Your stay until You are medically fit to return to the United Kingdom; and

3. Reasonable additional travelling and accommodation expenses to repatriate You to the United Kingdom when You are denied boarding on Your pre-booked return travel due to You contracting COVID-19.

4. Confinement benefit: a benefit payment of £30 for each complete 24 hour period up to £300 where You are ordered into self-isolation in Your holiday accommodation by a relevant Government authority, as a result of You contracting COVID-19.

What is not covered applying to all sub-sections

Applicable in addition to any exclusion listed under Section 1 Cancellation and Curtailment and Section 3 Emergency Medical and Repatriation Expenses of this Policy including anything mentioned in the General Exclusions:

1. Travel or accommodation costs where a credit or voucher has been provided in lieu of a cash refund.

2. Claims arising directly or indirectly from an outbreak of COVID-19 resulting in a national or local lockdown or any restrictions of movement affecting the area where Your home is located, the country or specific area or event to which You were travelling to or through, existing or being publicly announced by the date You purchased, renewed or extended this insurance or at the time of booking any Insured Journey, whichever is later, or in the case of claims under sub-section C, started Your Insured Journey whichever was later.

3. Any claim where You are experiencing symptoms of COVID-19, or have been told to self-isolate at the time You purchased, renewed or extended this insurance, or at the time of booking any Insured Journey, whichever is later, or in the case of claims under sub-section C, started Your Insured Journey whichever was later.

4. Your quarantine when it has been imposed on a community, geographic location or vessel imposed by a government or public authority.

5. Any claim made under Section 9 COVID-19 cover in addition to a claim under either Section 1 Cancellation and Curtailment and Section 3 Emergency Medical and Repatriation Expenses of this Policy.

Additional conditions applying to all sub-sections

In addition to the additional conditions applying to Section 1 Cancellation and Curtailment and Section 3 Emergency Medical and Repatriation Expenses of this Policy including anything mentioned in the General Conditions:

We will require (at Your own expense) the following evidence where relevant:

1. A copy of the positive test result for COVID-19 You received from a registered medical practitioner.

2. Written confirmation from the scheduled public transport operator (or their handling agents) confirming

the exact reason for which You were denied boarding, together with details of any alternative transport offered.

3. Receipts or bills for any transport, accommodation or other costs, charges or expenses claimed for.

4. Any other official document or medical report confirming Your diagnosis for COVID-19 which leads to Your self-isolation, or need to cancel Your Insured Journey.

General Exclusions

Please note that the policy provides specific Covid-19 cover (as set out above) under the Cancellation, Curtailment and Emergency Medical Repatriation sections of the policy ONLY.

Please be aware that the following General Exclusions apply to the whole policy:

Coronavirus

Any coronavirus including but not limited to COVID-19, or any related/mutated form of the virus. This exclusion does not apply to COVID-19 claims under Section 9 COVID-19 cover of this Policy.

Epidemic/Pandemic

Any epidemic or pandemic as declared by the World Health Organisation.

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Coach Holiday Travel Insurance

Section 9: COVID-19 Cover Endorsement

The SUMMARY OF COVER

Cover limits and applicable excesses per person are extended to include the following additional section:

Section 9. COVID-19

Section and Cover

Benefit

Limit

Policy

Excess

- Cancellation

- Curtailment

- Emergency Medical and Repatriation Expenses

- Repatriation Expenses

£2,000

£2,000

£2,000,000 EU

£1,500 UK Only

£50

£50

£50

£50



 

 

 

 

 

Arthur J. Gallagher Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 7th Floor, 55 Blythswood Street, Glasgow, G2 7AT. Registered in Scotland. Company Number: SC108909. www.ajginternational.com

 

 

 

www.swantours.co.uk To book call 01805 603706  Monday - Friday, 9am - 5pm

 

SwanTours is an operating title of Taw and Torridge Coaches Ltd.
Registered Office: Grange Lane, Merton, Okehampton, Devon, EX20 3ED
Tel No: 01805 603706   E-mail: office@swantours.co.uk
Registered in London No. 1247327   VAT Reg. No. 284 3762 33
40th Anniversary IPP CPT

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