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Holiday Insurance
It’s so important to take out holiday insurance no matter where you are travelling to across the UK and Europe.
Here at Caledonian Travel we know that sometimes things don’t go as planned. So, for your peace of mind, we are delighted to offer you this great value cover that is medical screening free no matter where you are travelling to!
Over 90% of all holiday Insurance claims are for late cancellations due to illness. We strongly advise you take out Holiday insurance on ALL breaks across the UK, Ireland, or Europe to give you peace of mind for such unknown late eventualities.
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Some of the benefits of our policy:
- No medical screening with our insurance policy for UK & European destinations! **
- Reduced cancellation excess (UK Holidays) - £35 (Nil for trips of 3 days duration or less).
- Cover from only £16 (including IPT)
- Same price for all ages with no increased premiums for over 65’s*
- Emergency medical expenses on breaks outside the UK included*
- 24 Hour UK based emergency assistance
- 14 day cooling off period after purchase*
- Pre-existing medical conditions covered for all destinations in the UK and Europe, as long as you are not travelling against medical advice*
*For full details of holiday insurance cover including the full summary of benefits and exclusions please see caledonian.com/holiday-insurance. Maximum age for cover is 99 years of age at the time of travel (excluding travel within the UK). 14 day cooling off period, provided the break has not departed.
** A change of circumstances declaration may be required if travelling outside of the UK.
Insurance Premiums (Per Person)
| Holiday Duration | UK Breaks* | UK Breaks with European Day Excursion | Europe, Republic of Ireland & Channel Islands** |
|---|---|---|---|
| 2 Days | £16.00 | - | - |
| 3 Days | £20.00 | £32.00 | £32.00 |
| 4 Days | £27.00 | £32.00 | £40.00 |
| 5 Days | £27.00 | £32.00 | £40.00 |
| 6 Days | £32.00 | £32.00 | £54.00 |
| 7 Days | £32.00 | £32.00 | £54.00 |
| 8 Days | £32.00 | - | £54.00 |
| 9 to 14 Days | - | - | £54.00 |
- All insurance premiums are inclusive of 20% Insurance Premium Tax.
- Children aged under 2 are insured free of charge, subject to travelling with an insured adult.
- Children 2-12 years old at the time of travel will receive a 50% reduction on the above premiums.
Our Client Holiday Travel Insurance is available to eligible passengers travelling on our holidays which is arranged by Wrightsure Services (Hampshire) Limited in conjunction with All Seasons Underwriting Agencies Limited and underwritten by Lloyd’s Syndicate 4444, which is managed by Canopius Managing Agents Limited. Registered Office: Floor 29, 22 Bishopsgate, London. EC2N 4BQ. Registered in England and Wales No. 01514453. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Ref: 204847.
This insurance is available only to residents of the United Kingdom, Jersey, Gurnsey & the Isle of Man 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 Healix International. 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.
If you take out our insurance when booking your holiday, the price of the insurance premium will be added to your holiday cost. Your Policy Booklet, Table of Benefits, Insurance Product Information Document (IPID) and Status Disclosure Document will be sent with your booking confirmation.
For full details and benefits and exclusions please see the following policy documents:
View Single Trip Insurance Summary (IPID)
View Single Trip Full Policy Document
TABLE OF BENEFITS
| Section | Cover | Sum Insured Per Insured Person | Excess |
|---|---|---|---|
| A | Cancellation or Curtailment Charges | ||
| United Kingdom | Up to £5,000 UK | Nil 3 days duration or under, 4 days & over £30 | |
| Europe | Up to £10,000 Europe | Nil under 3 days duration, 4 days & over £75 | |
| B | Emergency Medical, Reparation and Other Expenses | Up to £5,000,000 | £75 (if GHIC held) £250 No GHIC (excluding reparation expenses) £350 Aged 90 to 94 |
| Including Dental Treatment | Up to £250 | £30 | |
| Funeral Expenses | Up to £5,000 | £75 | |
| Uk Trip Limit | £2,500 | £30 | |
| B1 | Hospital Confinement Benefit | ||
| United Kingdom | £10 per 24 hours up to £100 | Nil | |
| Europe | £15 per 24 hours up to £500 | Nil | |
| C | Personal Accident | ||
| Item 1 - Accidental Death (over 18) | £15,000 | Nil | |
| Item 1 - Accidental Death (under 18) | £1,000 | Nil | |
| Item 1 - Accidental Death (71 & over) | £7,500 | Nil | |
| Item 2 - Loss of Limb(s) or Loss of Sight | £15,000 | Nil | |
| Item 3 - Permanent Total Disablement | £15,000 | Nil | |
| D | Travel delay and abandonment | ||
| Travel delay | £20 per 12 hours delay up to £60 | Nil | |
| Abandonment after full 12 hours delay | As per Cancellation Section | As per Cancellation Section | |
| D1 | Missed Departure | ||
| United Kingdom | Up to £200 | Nil | |
| Europe | Up to £800 | Nil | |
| E | Baggage | Up to £1,500 | £50 |
| Single Article/Pair/Set Limit | £400 | £50 | |
| Total Valuables Limit | £400 | £50 | |
| Spectacles/Sunglasses Limit | £250 | £50 | |
| Delayed Baggage (Minimum Delay of 12 hours) | £50 per 12 hours up to £200 | Nil | |
| F | Personal Money, Passport and Documents | Up to £500 | £50 |
| G | Personal Liability | Up to £2,000,000 | Nil |
| H | Legal Assistance and Expenses | Up to £25,000 | £250 |
| I | Mugging Benefit | £50 for each full 24 hours spent in hospital up to £500 | Nil |
Health Conditions Exclusion
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) You:
- Are receiving, or on a waiting list for, surgery, in-patient treatment or investigations in a hospital, clinic, or nursing home.
- Are travelling against any health requirements stipulated by the carrier, their handling agents or other public transport provider.
- Are travelling against the advice of a Medical Practitioner or for the purpose of obtaining medical treatment abroad.
- Have 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.
CHANGES IN HEALTH AND OTHER CIRCUMSTANCES
If you are travelling outside of the United Kingdom, 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.
We may reassess your cover and premiums when we are told about changes in your circumstances. If you do not tell us about a change in your circumstances, the wrong terms may be quoted, a claim might be rejected or payment could be reduced. In some circumstances your policy might be invalid.
SIGNIFICANT EXCLUSIONS
- No cover is provided if the person(s) to be insured are not resident in the United Kingdom, Jersey, Guernsey & Isle of Man.
- Trips of more than 31 days duration, unless otherwise agreed.
- 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 may, at our discretion, charge fees to cover our administration costs. Additionally, we and Wrightsure Services (Hampshire) Limited receive a commission from Insurers which is a percentage of the premium which you are charged.
Caledonian Leisure Limited t/as Caledonian Travel are an appointed Representative of Wrightsure Services (Hampshire) Limited who are 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.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).