Travel Insurance

At InterChoice we understand that circumstances beyond your control, such as illness, can mean on occasion, customers may have to cancel their holiday. In these unfortunate times the last thing you want adding to your worries is the loss of money paid.

In partnership with Wrightsure Client Travel Insurance underwritten by ERV - InterChoice are able to offer all our customers travelling on one of our holidays a comprehensive insurance policy the details of which are shown below..

2015/16 Premiums are UK Tours European Ireland, Isle of Man & Channel Islands
1-4 days £15.00 £19.50
5 days £19.50 £26.50
6-8 days £22.50 £28.50

HOLIDAY TRAVEL INSURANCE

A client holiday travel insurance scheme is available for all passengers travelling on our holidays which is arranged by Wrightsure Services (Hampshire) Limited and underwritten by ETI – International Travel Protection (ERV), the UK branch of Europäische Reiseverscherung AG, who are authorised  by the Bundesanstalt für Finanzdienstleistungsaufsicht (BAFIN – www.bafin.de) and approved by the Financial Conduct

Authority (FCA – www.the-fca.org.uk) to undertake insurance business in the UK. Wrightsure Services (Hampshire) Ltd which is authorised and regulated by the FCA (their registration number is 311394) 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.the-fca.org.uk) or by contacting the Financial Conduct Authority Consumer Helpline on 0800 111 6768.

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 Specialty 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.

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 (for example the state of health of a Close Relative, Business Associate or any person on whom Your travel plans depend).

b) The Insured Person whose medical condition gives rise to a claim:

ii) 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.

Please note our Holiday Travel Insurance Scheme is only available to United Kingdom Residents.

SIGNIFICANT EXCLUSIONS

RESIDENCY

If you or anyone else named on this policy has not been a resident in the UK for the past 6-months this policy cannot cover you.

In addition to the above the policy also contains the following main exclusions:

  • Your participation in any organised sports, winter sports or dangerous activities unless they have been declared to and accepted by the Insurer.
  • Suicide or the wilful exposure to exceptional personal risk.
  • Travel against the advice of the carrier, any other public transport provider, the Foreign Office or the World Health Organisation.
  • Motorcycle travel during the insured trip where the engine size exceeds 125cc.
  • Any manual work or hazardous occupation undertaken during the insured trip.
  • The bankruptcy/liquidation of the tour operator, travel agent or transportation company with whom you have booked your trip.

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.

InterChoice Limited are an Appointed Representative of ITC Compliance Limited who are authorised and regulated by the Financial Conduct Authority (their firm reference is 313486) and which is permitted to advise on and arrange general insurance contracts.

COOLING OFF PERIOD

You should read your policy immediately to ensure it meets with your requirements. If for any reason it does not it must be returned to the issuer of the policy within 14 days of the date of issue or prior to travel which ever is the sooner. Your money will be refunded in full, provided no claims have been made or incident likely to give rise to a claim has arisen. If you cancel your policy after 14 days no refund will be given.


Please note our Holiday Travel Insurance Scheme is only available to United Kingdom Residents.

 

SUMMARY OF COVER 

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

 

 

    

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