Isles of Scilly Travel Insurance


This holiday insurance policy includes cover if you receive a positive COVID-19 diagnosis within 14-days of your scheduled departure date or and have to cancel your trip. Cover also includes additional accommodation, repatriation and travel expenses if you are diagnosed with COVID-19 during your trip.

Full details of these circumstances, levels of cover and terms and conditions can be found in the policy booklet. You may already possess alternative insurance(s) for some or all of the features and benefits provided by this product: it is your responsibility to investigate this.

Our travel insurance is arranged by Towergate Travel and underwritten by ERGO Travel Services Ltd (ETI) on behalf of Great Lakes Insurance SE (GLISE).  Isles of Scilly Steamship Company Limited is an Appointed Representative of ITC Compliance Limited who are authorised and regulated by the Financial Conduct Authority and which is permitted to advise on and arrange general insurance contracts.

Should you wish to take out this holiday insurance please include the appropriate premium when booking your holiday.


This insurance policy will suit the demands and needs of an individual or group (where applicable) who:

  • have no excluded pre-existing medical conditions
  • are travelling in countries included within the policy terms
  • wish to insure themselves against unforeseen events detailed in the cover section below. Subject to the terms, conditions and maximum specified claim limits.


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 to aid you in making your own informed buying decision.

Your residency, health conditions, changes in health and individual needs must be considered to confirm your suitability for this policy.  Please read the document below on the policy suitability and limitations.

Please note: You will be covered to travel under this policy as long as the insured is not travelling:

  • during a Government imposed lockdown, or
  • when the FCDO have advised against, or
  • when the FCDO have advised against all travel and all but essential travel

Summary details of the insurance covers provided, which also includes 24-hour medical emergency service provided by Towergate Assistance, are detailed below.

Full details of the key benefits, conditions and exclusions will be included in the Policy Booklet, Table of Benefit (including the Section 10 – Travel Delay & Abandonment endorsement) and Insurance Product Information Document (IPID), copies of which will be sent to you with your confirmation of booking. In any event you may ask for a specimen copy of these before booking should you wish to examine these in advance. (documents can be found below)


The rates for the 2022 Comprehensive cover are:

5 Day Adult £33.40 Child £16.70
9 Day Adult £36.60 Child £18.30
17 Day Adult £40.50 Child £20.25
23 Day Adult £48.70 Child £24.35
32 Day Adult £57.10 Child £28.55
38 Day Adult £65.50 Child £32.75
40 Day Adult £671.20 Child £35.60


Prices quoted are per adult. Children (aged 2-15) are half price under the general insurance policy and infants (under 2) are covered under the accompanying adult policy. Prices include IPT (Insurance Premium Tax)



IOS 2022 – Travel Insurance Policy Booklet

IOS 2022 – Table of Benefits 

IOS 2022 – Travel Delay Endorsement

IOS 2022 – Insurance Product Information Document (IPID)

Status Disclosure Document

View Status Disclosure Document


We also have another holiday insurance option which picks up your delayed travel risk on the outward journey only.


The rates for the 2022 policies are:

Delay Single £9.75 both adult and child are the same
Delay Return £16.75 both adult and child are the same


Prices include IPT (Insurance Premium Tax)



Examples of these and other conditions and exclusions are contained within the policy wording, a specimen copy of which is available upon request. If after purchasing a policy from us should you find it does not meet your requirements, you have 14 days from the date of receipt of the policy documents or before departure, whichever is less, to cancel the policy and receive a full refund of your premium.

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 Money and Pensions Service travel directory here , or by calling 0800 138 777

(Open Monday to Friday, 8am to 6pm).