Holiday Insurance

We are pleased to announce that Covid cancellation and medical cover is now included as standard with our holiday insurance.

We can confirm that our policy now covers:-(*)

(*subject to the policy terms & conditions & limitations).

A client Holiday Travel Insurance scheme is available to eligible passengers travelling on our holidays which is arranged by Wrightsure Services (Hampshire) Limited and underwritten by ERGO Travel Insurance Services Ltd (ETI) on behalf of Great Lakes Insurance SE (GLISE). Great Lakes Insurance SE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ, company number SE000083. Great Lakes Insurance SE, UK Branch, is authorised by Bundesanstalt für Finanzdienstleistungsaufsicht and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority, registration number 769884.

ERGO Travel Insurance Services Ltd is registered in the UK, company number 11091555. Registered office: Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ. Authorised and regulated by the Financial Conduct Authority, register number 805870.

Details about the extent of GLISE’s authorisation and regulation by the Prudential Regulation Authority, and regulation by the
Financial Conduct Authority are available upon request.

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.

David Urquhart Holidays Limited is an Appointed Representative of Wrightsure Services (Hampshire) Limited who are authorised and regulated by the Financial Conduct Authority. Their firm reference is 311394.

Please note, this insurance is only available to residents of the United Kingdom who purchase their cover before they travel.

Departures in:	Duration	2022	2023
British Holidays	1-4 days	£16	£18
	5 days	£24	£26
	6-8 days	£28	£30
The above premiums are inclusive of Insurance Premium Tax @ 20%. British holidays include the Isle of Man & Northern Ireland. Should you wish to take advantage of our Insurance please note that the premium is additional to the holiday cost and should be paid at the time you pay the deposit on your holiday.

You are not obliged to take the insurance we offer, but should you decide to insure elsewhere you must supply details of your insurer including an emergency telephone number. If you book on the internet, you should send an email quoting your Booking Reference and the name, policy number and emergency contact number of your insurer to [email protected] If you choose not to insure, we will ask you to sign a Disclaimer to confirm that you will be responsible for any costs the company may incur in helping you resolve any difficulties you may experience which would normally have been covered by a holiday insurance policy.

Demands and needs

This insurance policy will suit the Demands and Needs of an individual or group (where applicable) who have no excluded preexisting medical conditions, are travelling in countries included within the policy terms and who wish to insure themselves against unforeseen events detailed in the cover section below. Subject to the terms, conditions and maximum specified claim limits.

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 details of the 24 hour Emergency Assistance service, who can be contacted 24/7 365 days a year on 01403 288167.

The following is a brief summary of the cover available. Full details of Cover, Policy Warranties 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

Insurers 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:
1) Is receiving, or on a waiting list for, surgery, in-patient treatment or investigations in a hospital, clinic or nursing home.
2) Is travelling against any health requirements stipulated by the carrier, their handling agents or other public transport provider.
3) Is travelling against the advice of a Medical Practitioner or for the purpose of obtaining medical treatment abroad.
4) 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.

Summary of Cover - Cover limits and applicable excesses per person

Section and Cover	Benefit	Excess
1. Cancellation and Curtailment/Loss of Deposit	£1,500	Holidays 3 days duration or less Nil. Holidays 4 days duration and over, 20% of claim value (£10 in respect of Loss of Deposit)
2. Travel delay and disruption – Delay – Abandonment after 12 hours – Missed Departure	£20 per 12 hours (max £60) £2,500 £100 UK / £300 (outside of the UK)	Nil As Per Cancellation Nil
3. Emergency medical and repatriation expenses – Hospital confinement benefit UK – Hospital confinement benefit outside of UK – Overnight Subsistance – Funeral expenses and body repatriation – Emergency dental treatment – Taxi Fares	£2,000,000 (outside of the UK) / £2,500 UK Only £10 per 24 hours (max £100) £15 per 24 hours (max £450) £25 per person per night up to £200 in total. £5,000/£1,500 UK Only £250 £1,000	£55 Nil Nil £55 £55 £55
4. Personal Accident – Death (aged over 18) – Death (under 18) – Death (aged 66 or over) – Permanent total disablement – Loss of limb(s) or total and irrecoverable loss of sight	£15,000 £1,000 £7,500 £15,000 £15,000	Nil
5. Personal effects and money – Single Item Limit – Valuables Limit – Personal money – Cash – Loss of passport / travel documents	£1,500 £200 £400 £200 £200 (£50 under 18) £200	£55 £55 £55 Nil
6. Luggage Delay	£50 per 12 hours (minimum 12 hours – max £100)	Nil
7. Personal Liability	£2,000,000	Nil
8. Legal costs and expenses	£25,000	Nil
9. COVID-19 cover – Cancellation and Curtailment/Loss of Deposit -Emergency medical and respiration expenses	£1500 £2,000,000 (outside of the UK)	Holidays 3 days duration or less Nil. Holidays 4 days duration and over 20% of claim value (£10 in respect of Loss of deposit) £55

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.

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 of 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 of the personal information you supply to us will be handled strictly in accordance with the applicable Data Protection regulations and legislation.

How to claim

In the event of cancellation, written notice must be sent to David Urquhart Travel immediately. For both cancellation and all other claims you must contact the claims department by phone on 01403 288170 for a claims form which must be returned within 28 days of your cancellation or return from holiday.

We do not charge fees for our insurance related services however we and Wrightsure Services (Hampshire) Limited may receive some form of remuneration in relation to the arrangement of insurance.

PLEASE NOTE: The above is an outline of the cover provided. A policy document containing full details of what is and what is not covered will be forwarded along with your Booking Confirmation. You should read it carefully and you must inform us within 14 days if the policy is unacceptable for any reason.

If our chosen insurance provider, Wrightsure Services (Hampshire) Limited are unable to offer you the travel insurance cover you
require because you have serious medical conditions, you may be able to get help by accessing the Money and Pensions Service travel directory or by calling 0800 138 777 (lines are open Monday to Friday, 8am to 6pm).