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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 holiday. 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 this tailored insurance.

Skills Travel Limited is 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

2019 Policies

For full details of the policy please click here.

For the Insurance Product Information Document please click here

Please note: The above Insurance Policy and Insurance Product Information Document applies to the 2019 calendar year departure only. 

2020 Policies

For full details of the policy please click here.

For the Insurance Product Information Document please click here

Please note: The above Insurance Policy and Insurance Product Information Document applies to the 2020 calendar year departure only. 

 Standard Schedule of Cover for 2020: 

Duration Selling Price
UK  
Up to 3 days £17
Up to 5 days £23
Up to 7 days £26
Up to 10 days £34
Up to 14 days  
   
Europe  
Up to 3 days £27
Up to 5 days £30
Up to 7 days £36
Up to 10 days £40
Up to 14 days £45
Up to 18 days £50

 

 

2020 Travel insurance table: 

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 UK 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 NO to questions 1. to 4. and YES to questions
5. and 6. a) and b) below:

1. Are you aware of any reason why the trip could be cancelled or cut short (such as the health of a close relative)

2. Are you travelling:
a) against the advice of a medical practitioner, or
b) for the purpose of obtaining medical treatment.

3. Have you been given a terminal prognosis.

4. Are you receiving or awaiting treatment for any bodily injury, illness or disease as a hospital day case or in‐patient.

5. If you are on prescribed medication, are your medical condition(s) stable and well controlled

6. If you suffer from stress, anxiety, depression or any other mental or nervous disorder, have you received written confirmation (at your cost) that you are fit enough to take this trip 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.

If you are travelling outside of the UK you must telephone MediScreen 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.

MediScreen’s office hours are 9am to 5pm Monday to Thursday and 9am to 4pm Friday
excluding Bank Holidays.

You must notify MediScreen 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).

A policy document that fully defines the cover, conditions and exclusions will be sent to you with your booking confirmation. When you receive your policy, please take the time to read it carefully to ensure you understand what is and what is not covered, and that all activities that you may wish to participate in are included. If it does not meet your requirements, please return the policy, proof of premium and any other relevant documentation to us within 14 days of receipt and we will refund the premium in full, provided you have not travelled or made a claim.

Significant or unusual limitations or What is not covered

1. The cover under this policy is only available to United Kingdom residents for travel within the Geographical limits contained in this policy and which begins and ends in the United Kingdom. Repatriation will be to the United Kingdom only.

2. Cover is only available for the whole duration of a booked trip to a maximum 18‐consecutive days and cover cannot be purchased once a trip has already begun.

3. Certain hazardous sports and activities.

4. Personal effects – claims will be paid based on the value at today’s prices less a deduction for wear, tear and depreciation (loss of value)

5. Losses of personal property, valuables, passport, visa or money must be reported to police within 24 hours of discovery and a written police report obtained.

6. You are not covered for valuables, your passport or visa if left unattended at any time (including in a vehicle, in checked in luggage or while in the custody of a carrier, tour operator or public transport operator) unless deposited in a hotel safe, safety deposit box or left in your locked accommodation.

7. Stolen property: You are not covered for baggage stolen from:
a. an unattended coach/bus unless it was locked in the luggage compartment of the coach/bus and evidence
of force or violent entry to the vehicle is available, or
b. the passenger compartment of any unattended vehicle.

8. You being under the influence of drink or drugs (unless prescribed by a doctor).

9. Circumstances known to you before you booked your trip or purchased this insurance which could reasonably have been expected to lead to cancellation of the trip.