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FAQ's

Our frequently asked questions are here to assist you. We are often asked a variety of question from customers prior to travel...

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TRAVEL INSURANCE

Travel insurance is a vital aspect to booking a holiday, giving you protection against unforeseen circumstances that could otherwise spoil your trip. It is important that you purchase travel insurance that properly covers your participation in whatever activities you may undertake at the time that you make your booking. To assist you with this, we have arranged competitive travel insurance from Travel & General Insurance Services Limited to specifically meet your needs on your holiday.

The schedule of cover below sets out a summary of the cover provided by our tailored insurance. Skills Travel Limited and Skills Motor Coaches Limited are an Appointed Representative of Travel & General Insurance Services Limited and are authorised and regulated by the Financial Conduct Authority, full details can be found at www.fca.org.uk.

 

Standard Schedule of Cover
Section   Sum Insured Per Person Excess
1 Cancellation Charges £1,500 £50 (£15 Loss of deposit)
2 Travel delay up to £60

NIL

  Abandonment £1,500 £50
3 Missed departure £100 (UK) NIL
    £300 (Europe) NIL
4 Personal accident - Disability £15,000 NIL
  Personal accident – Death (age limits apply) £15,000 NIL
5 Medical expenses abroad £2,000,000 £30
6 Hospital benefit Up to £450 (Europe) NIL
    Up to £100 (UK) NIL
7 Personal property £1,500 £30
  Delayed Bagages £100 NIL
  Personal money £200 £30
8 Loss of passport £200 NIL
9 Personal liability £2,000,000 NIL
10 Legal costs & expenses £25,000 NIL
       
Premiums available from £15, please contact us for a quote.
UK Per person Europe Per person
2-3 days £17 Up to 3 days £26
4-5 days £21 4-5 days £29
6-7 days £25 6-7 days £36
 Up to 10 days  £30 8-10 days £40
    11-14 days £44
       
Annual £79 Annual £129

 

Health Conditions

 

You must be able to comply with the following conditions to have the full protection of your policy.
If you do not comply we may refuse to deal with any relevant claim or reduce the amount of any relevant claim payment.


If you are travelling within the United Kingdom
You are not required to declare your medical conditions. However to be covered for any medical conditions you have or have had, you must be able to answer YES to all of the questions
1. to 5. a) and b) below:

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 advise of a medical practitioner b) for the purpose of obtaining medical treatment, or c) if you have been given a terminal prognosis.

3. You are not receiving or awaiting treatment for any bodily injury, illness or disease as a hospital day case or in-patient.

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

5. If you suffer from stress, anxiety, depression or any other mental or nervous disorder, it must be investigated and diagnosed as such by either: a) a registered mental health professional if you are under the care of a Community Mental Health Team, or b) a consultant specialising in the relevant field who has confirmed in writing (at your cost) that you are fit enough to take this trip. If you are travelling outside of the United Kingdom

You must telephone the Towergate Medical Line Line on 0344 892 1698 if anyone to be covered by this policy, or any person upon whose health the trip depends:

1. Has or has had a medical condition (excluding childhood and minor ailments not requiring treatment)

2. Is taking prescribed medication

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

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

The Towergate Medical Line office hours are 9am to 5pm Monday to Friday excluding Bank Holidays.

PLEASE NOTE - You must also notify the Towergate Medical Line, immediately of any changes in medical circumstances arising between the date the policy is issued and the time of departure for the trip. You may have to pay an additional premium to cover your medical conditions. This applies to all destinations including trips solely within the United Kingdom (being defined as England, Scotland, Wales, Northern Ireland and the Isles of Scilly).

**Failure to comply with the terms & conditions of the policy may result in cover being restricted**