HOLIDAY INSURANCE

THE SINGLE TRIP TRAVEL INSURANCE POLICY THAT WE OFFER COVERS YOU FOR COVID-19. 

At National Holidays we are committed to ensuring you are taken care of every step of the way, from the day you book, through to the last day of your holiday. Occasionally passengers fall ill or have an accident whilst on holiday preventing them from travelling home with the coach or on the return flight or requiring medical care when abroad. This may impact you financially, it is company policy that all our customers hold some form of travel insurance, not necessarily the insurance Just Go! Holidays can offer when purchasing one of our tours. 

The single trip holiday insurance scheme that we offer covers you for disruption to your holiday caused by the COVID-19 pandemic (please see below for more information).

 

Duration	Adult UK	Adult Europe, IOM, CI
1 - 3 Days	£14.99	£21.49
4 - 5 Days	£18.99	£24.99
6 - 14 Days	£22.99	£29.49
28 Days	N/A	£94.99
29 Days	N/A	£99.99

 

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 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. 

Summarised below are the details of the insurance cover provided which also includes 24-hour emergency service from Towergate Assistance. The following is a summary of the single trip cover available. Full details of the cover, conditions and exclusions will be forwarded with your confirmation of booking. In any event you may ask for a specimen copy of the Policy Booklet, Table of Benefits and IPID before booking should you wish to examine these in advance.

Section of Cover	Maximum Sum Insured and / or Benefit Levels Per Person	Excess Per Person
Emergency Medical & Repatriation Expenses	£2,000,000 sub-limited to: £350 Emergency Dental Pain Relief outside of the United Kingdom £1,000 Local Funeral Expenses outside of the United Kingdom £100 Emergency Taxi Fares and Telephone Calls £2,500 Additional Travel Expenses within the United Kingdom £50 United Kingdom Prescription Charges outside of the United Kingdom £300 United Kingdom Physiotherapy & Chiropractic Charges outside of the United Kingdom £10 for each completed 24-hours up to a maximum £100 Hospital Benefit within the United Kingdom £15 for each completed 24-hours up to a maximum £450 Hospital Benefit outside of the United Kingdom £50 for each completed 24-hours up to a maximum £500 Mugging Benefit	Nil Emergency Telephone Calls & Taxi Fares Nil United Kingdom Prescription Charges Nil United Kingdom Physiotherapy & Chiropractic Charges Nil Hospital Benefit Nil Mugging Benefit £50 all other claims under this Section
Cancellation	£5,000	£15 Loss of Deposit £15 trips costing less than £100 Cancellation £50 trips costing £100 or more Cancellation
Curtailment	£5,000	£15 trips of less than £100 £50 trips costing more than £100
Personal Accident	£15,000 (£1,000 children under 16-years and £7,500 adults 66-years plus at the time of the accident) Death £15,000 Loss of Limbs and / or Sight £15,000 (Nil children under 16-years at the time of the accident) Permanent Total Disablement	Nil
Personal Possessions	£1,500, sub-limited as follows: £200 Single Article Limit £200 in all Valuables	£35
Personal Money	£200, sub-limited as follows: £50 children under 16-years at the time of the incident	Nil children under 16-years £35 all other claims under this Section
Passport & Other Documents	£200	Nil
Delayed Baggage on the Outward Journey	£100 after a completed 12-hours delay	Nil
Missed Departure	£200 within the United Kingdom £800 outside of the United Kingdom	Nil
Travel Delay & Abandonment	£20 first completed 12-hours and then £10 for each completed 12-hours delay up to £60 Delay Benefit £7,500 after a completed 12-hours delay Abandonment	Nil Delay Benefit £15 trips costing less than £100 Abandonment £50 trips costing £100 or more Abandonment
Personal Liability	£2,000,000	Nil
Legal Expenses	£25,000	Nil
Hijack Benefit	£50 for each completed 24-hours up to £500	Nil
COVID-19 Cover	£5,000 Cancellation £5,000 Curtailment £1,000,000 Emergency Medical & Repatriation Expenses outside of the United Kingdom, sub-limited to: £2,500 Additional Accommodation & Travel Expenses within the United Kingdom £30 for each completed 24-hours up to a maximum £300 Confinement to Holiday Accommodation	£15 trips costing less than £100 Cancellation & Curtailment £50 trips costing £100 or more Cancellation & Curtailment £50 Additional Accommodation & Travel Expenses within the United Kingdom £50 Emergency Medical & Repatriation Expenses outside of the United Kingdom Nil Confinement to Holiday Accommodation
Optional Cruise Cover	£100 per port up to a maximum £1,000 Missed Port £25 for each completed 24 hours up to a maximum £500 Confinement to Cabin Benefit £150 Unused Excursions £2,500 Increased Personal Possessions, sub-limited to: £500 Any Single Article, Pair or Set £500 in all Valuables £100 Evening Wear	Nil Missed Port Nil Confinement to Cabin Benefit Nil Evening Wear £65 All Other Claims under this Section

Our single trip policy covers you for COVID-19.

 

What is covered if I have to cancel due to COVID-19?

Cancellation cover up to the maximum sum insured as detailed below for the following events:

1. You, your close relative, a member of your household or travelling companion(s) have a positive COVID-19 test result (as certified by a medical practitioner) within 14 days of your scheduled departure date.
2. You being denied boarding on your pre-booked outbound travel because you are displaying COVID-19 symptoms supported by a subsequent positive COVID-19 test result (as certified by a medical practitioner).

 

What is covered if I have to curtail (cut short) my holiday?

Curtailment cover up to the maximum sum insured as detailed below for the following event:

1. Death of a close relative contracting COVID-19, as certified by a medical practitioner, following a positive CIVID-19 test result.

 

What is covered if I receive a positive COVID-19 test during my holiday?

1. Cost of essential emergency medical treatment if your holiday is outside of the United Kingdom.
2. Emergency repatriation and other travel expenses.
3. Emergency additional accommodation expenses (room only) for you to extend your holiday until you are medical fit to return home.
4. £30 for each completed 24-hours, up to £300 in total, if you are ordered to self-isolate in your holiday accommodation by a relevant Government authority, following you receiving a positive COVID-19 test result.

 

Cover does not include

1. Self-isolation. You will need to provide evidence from a certified medical practitioner of a positive test result in order to receive cover.
2. COVID-19 related claims caused by Government or FCDO restrictions, such as further lockdowns. In these instances, our packages are protected by BCH.

 

RESIDENCY

The cover under this policy is only available to United Kingdom residents being defined as: Any person who has an address in the United Kingdom, has lived in the United Kingdom for at least 6 of the last 12 months, and is registered with a General Practitioner in the United Kingdom.

 

HEALTH CONDITIONS

If you are travelling within the United Kingdom

Please consider the following questions in relation to you, anyone to be covered by this policy, or any colleague:

1. Are you aware of any reason why your trip could be cancelled or cut short, such as your health or the health of a relative or colleague or someone with whom you are going to travel or stay?
2. Are you travelling:

1. against the advice of a medical practitioner, or
2. for the purpose of obtaining medical treatment?

3. Have you been given a terminal prognosis?
4. Are you receiving or awaiting investigation or treatment for any bodily injury, Illness or disease as a hospital day case or in-patient or have an undiagnosed condition or set of symptoms?

If you answer YES to any of the above 4 questions, then your pre-existing medical conditions will not be covered by this policy and we are unable to extend the cover to do so. If you are within your 14-day cooling off period and you decide this policy is no longer suitable for your needs, you may be entitled to a full refund of the premium paid. Please contact us to discuss this further.

If you answer NO to the above 4 questions, then please also proceed to questions 5 and 6 below to complete the assessment.

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:

1. Your GP, or
2. a registered mental health professional (e.g. if you are under the care of a Community Mental Health Team), or
3. a consultant specialising in the relevant field?

If you answer YES to question 5 and 6 above, then you do not need to contact us with details of your pre-existing medical conditions, and your insurance policy’s standard terms, conditions and exclusions will apply.

If you answer NO to question 5 or 6 above, then your pre-existing medical conditions will not be covered by this policy and we are unable to extend the cover to do so. If you are within your 14-day cooling off period and you decide this policy is no longer suitable for your needs, you may be entitled to a full refund of the premium paid. Please contact us to discuss this further.

 

If you are travelling outside of the United Kingdom

Please consider the following questions in relation to you, anyone to be covered by this policy, or any colleague:

1. Have you had a medical condition that you presented to your GP or other medical professional within the last 12 months?
2. Are you taking prescribed medication?
3. Do you have, or have you had any medical condition that is still requiring periodic review?
4. Are you awaiting any tests, treatment, investigation, referral or the results of these or have an undiagnosed condition or set of symptoms?

If you answer YES to any of the above 4 questions, please contact MediScreen on 0344 892 1698 to

discuss extending cover for your health conditions. If we can extend cover, we may charge an additional premium for doing so. Your pre-existing medical conditions will not be covered, unless you tell us about them and we accept them in writing, and your policy may be cancelled, or your claim rejected or not fully paid.

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

Bank Holidays.

 

Changes in health

Important note: this applies to all destinations, excluding trips solely within the United Kingdom.

You must also notify MediScreen immediately on 0344 892 1698 if there is any change in your medical circumstances between the date you first purchased your insurance policy and the date your holiday is due to begin. If you do not take the appropriate action, or if you withhold information which we should reasonably be made aware of when considering the provision of cover, then your policy may be cancelled, or your claim rejected or not fully paid. If we can extend cover, we may charge an additional premium for doing so.

If your trip is solely within the United Kingdom then you must obtain confirmation from your medical

practitioner that you are fit enough to take the trip and this must be noted on your medical records so that in the event of a claim you are able to provide this evidence if required by us. Failure to do so may invalidate your policy.

You must also tell us as soon as reasonably possible if you are no longer a resident in the United Kingdom.

 

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 70 consecutive days, and cover cannot be purchased once a trip has already begun.
3. The excess amount deductible from a claim applies to each and every claim, per incident claimed for, under certain sections by each insured person.
4. If your money, valuables, any items of baggage, your passport or visa are lost or stolen, you must notify the local Police within 24 hours of discovery or as soon as possible thereafter. Please make sure you get a copy of the Police report. Failure to comply may result in your claim being rejected or the amount of any relevant claim reduced.
5. 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.
6. Stolen property: You are not covered for baggage stolen from:

1. 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
2. the passenger compartment of any unattended vehicle.

7. You must ensure that you have had any recommended inoculations, vaccines (including COVID-19 where it has been offered to you) or medications relating to your destination prior to your trip
8. Any epidemic or pandemic as declared by the World Health Organisation (WHO).
9. Claims arising from or related to any coronavirus including but not limited to COVID-19 or any related / mutated form of the virus. This exclusion does not apply to COVID-19 claims under the COVID-19 Cover section.

 

COOLING OFF PERIOD

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.

Just Go Holidays Ltd trading as National Holidays is an appointed representative of ITC Compliance Limited which is authorised and regulated by the Financial Conduct Authority (their registration number is 313486) and which is permitted to advise on and arrange general insurance contracts as an intermediary.

 

Policy Documents

The insurance policy documents are below and can be downloaded in PDF format. If you cannot open these files you may need to install Adobe PDF Reader. Adobe PDF Reader.

Please be careful when viewing the polices below and ensure you are reading the policy that you have purchased or considering purchasing. Please contact Omega Breaks if in any doubt.

All policies issued before the 01/08/2023

• NHL/23 single trip Policy Booklet here
• NHL/23 single trip Table of Benefits here
• NHL/23 single trip IPID here.
• Status Disclosure Document here.

All policies issued from the 01/08/2023 to the 03/12/2023

• NHL/23 single trip Policy Booklet here
• NHL/23 single trip Table of Benefits here
• NHL/23 single trip IPID here.
• Status Disclosure Document here.

All policies issued from the 04/12/2023 to the 18/02/2024

• NHL/23 single trip Policy Booklet here
• NHL/23 single trip Table of Benefits here
• NHL/23 single trip IPID here.
• Status Disclosure Document here.

All policies issued from the 19/02/2024 to the 31/03/2024

• NHL/23 single trip Policy Booklet here
• NHL/23 single trip Table of Benefits here
• NHL/23 single trip IPID here.
• Status Disclosure Document here.

All policies issued from the 01/04/2024

• NHL/23 single trip Policy Booklet here
• NHL/23 single trip Table of Benefits here
• NHL/23 single trip IPID here.
• Status Disclosure Document here.

 

Travel Signposting

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 MoneyHelper travel directory at: https://www.moneyhelper.org.uk/en/everyday-money/insurance/travel-insurance-directory or by calling 0800 138 7777 (Open Monday to Friday, 8am to 6pm). If at any time you feel you have not been treated fairly by any member of our staff please contact us at the address or telephone number above.

 

This travel insurance policy is arranged by Towergate Travel.

Travel insurance policies issued before the 1st 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 1st 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.