Holiday travel insurance | Cancellation and curtailment

From the 1st October 2017 we will no longer be offering the travel insurance policy described below and recommend that you find an alternative that meets your needs. If you have already purchased this insurance your policy is unaffected. We are working with other providers and hope to be able to offer an alternative soon.

To ensure that you and your party are adequately protected for your holiday, we have arranged holiday cancellation insurance with Schofields Ltd.

This cover is currently offered for a single premium of £15 including IPT (insurance premium tax, currently 20%) per booking for cover up to £1,500 and £30 including IPT per booking for cover up to £3,000, and is valid from the date of issue of the certificate until the end of your holiday (subject to review on January 1st, 2019). It is available only to UK residents who are travelling from the UK. Details of the cover are set out below.

Your Certificate of Insurance will be sent to you with your paperwork.

Summary of Cover

  • This insurance is underwritten on behalf of certain Underwriters at Lloyd's.
  • The Insurance Certificate/Schedule will show the actual cover provided.
  • The period of Insurance, during which all benefits are operative, will be shown in the Insurance schedule.
  • No cover is operative until the proposal form and premium have been received by the brokers and confirmation and evidence of insurance is issued.
  • This insurance policy is only available to residents of the UK and only covers holidays in the United Kingdom.
  • The limit of the Insurers' liability shall not exceed the final invoice price and Insurers are not liable for the cost of providing information to substantiate a claim.
  • The Insurance must be taken out at the time of booking and applies only to persons whose names are given at the time.
  • Cover is limited to persons under the age of 81, whether party members or relatives etc, for whom the cover extends.
  • The cover does not insure against cancellation due to adverse weather conditions.
  • If the Insurance does not meet with your requirements and is cancelled within 14 days of the issue date, provided no claims have been made, the premium will be refunded.

Main exclusions (please see the Certificate of Insurance for the full terms and conditions):

  • Any trip booked or commenced against the advice of any medical practitioner, to get medical treatment or after a terminal prognosis has been given.
  • Pre-existing medical conditions of a member of the party or close relatives or other persons for whom the cover extends.
  • Any set of circumstances or medical condition which could reasonably be expected to give rise to a claim and of which at the time of taking out this insurance the Insured Person was aware.
  • Any claim involving a person aged 81 or above.
  • HIV and illnesses categorised as a pandemic.