Isles of Scilly Travel Insurance 2023

HOLIDAY 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.

This travel insurance policy is arranged by Towergate Travel.

Travel insurance policies issued before the 1^st August 2023 are 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: 10 Fenchurch Avenue, London EC3M 5BN, company number SE000083. Great Lakes Insurance SE, UK Branch, is authorised and regulated by Bundesanstalt für Finanzdienstleistungsaufsicht. Deemed authorised by the Prudential Regulation Authority. Firm Reference Number 769884. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.

Travel insurance policies issued from the 1^st August 2023 are underwritten by ERGO Travel Insurance Services Ltd on behalf of Great Lakes Insurance UK Limited. Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 10 Fenchurch Avenue, London, United Kingdom, EC3M 5BN. Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 955859. You can check this on the Financial Services Register by visiting: https://register.fca.org.uk

ERGO Travel Insurance Services Ltd (ETI) is registered in England and Wales, company number 11091555. Authorised and regulated by the FCA, register number 805870 and registered office: 10 Fenchurch Avenue, London, EC3M 5BN.

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.

For more information on Towergate Travel, Ergo and Great Lakes Insurance, ITC Compliance Ltd and FCA please click here. 

Should you wish to take out this holiday 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 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.

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 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.

• IOS 2023 – Suitability and Limitations

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)

COMPREHENSIVE POLICY

The rates for the 2023 Comprehensive cover are:

Prices quoted are per adult & children/youths aged 12 and over. Children (aged 2-11) 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).

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

DELAY POLICY

The rates for the 2023 policies are:

Prices include IPT (Insurance Premium Tax) at current rate.

COOLING OFF PERIOD

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 7777.

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