Our Travel Insurance

When you book your holiday and venture abroad it's essential to have good quality travel insurance in place. Our travel insurance policy has been arranged exclusively for our customers and we have ensured you are covered for Covid-19 if you have to cancel your holiday because you've fallen ill with the disease or if you fall ill on holiday and need medical treatment or repatriation.

Great Rail Journeys Ltd is an appointed representative of LS insurance brokers, which is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA reference number is 671295. Great Rail Journey's travel insurance cover is arranged by Tigon Cover Services Ltd, who is an appointed representative of ROCK Insurance Service Ltd who is authorised and regulated by the FCA (Ref. No. 300317).

These policies are underwritten by Insurance Company 'Euroins' AD who are authorised and regulated by the Bulgarian Financial Supervision Commission. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the FCA 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 FCA's website.

Here's a summary of our policy. The full terms and conditions can be found in the policy wording, a copy of which is available here. A copy of the Initial Disclosure Document is available here.

Policy Documentation

• If you purchased a policy on or after 1st January 2023: View policy
• If you purchased a policy between 1st January 2022 and 31st December: View policy
• Insurance policy bought between 26th September 2021 and 31st December 2022: View policy
• Insurance policy bought between 1st January 2021 and 26th September 2021: View policy

For all queries about claims on policies purchased on or after the 1st January 2023 please contact Reactive Claims on 01420 259 050.

For all queries about Medical Assistance on policies purchased on or after 1st January 2023 please contact IMG Global Response on + 44 (0)330 094 6544 or email 247assistance@imglobal.com

Premiums per person - for UK destinations* (Single Trip Policies)

UK	18-59	60-64	65-74	75-79	80-84
Up to 6 days	£15.84	£21.12	£42.24	£63.36	£105.61
Up to 10 days	£20.88	£27.84	£55.69	£83.53	£139.22
Up to 15 days	£24.46	£32.62	£65.23	£97.85	£163.08
Up to 20 days	£30.62	£40.83	£81.66	£122.50	£204.16
Up to 25 days	£33.61	£44.44	£88.88	£133.33	n/a

*Policy Price does not include the cost of adding cover for your pre-existing medical conditions to your policy.

Premiums per person - for European destinations* (Single Trip Policies)

Premiums per person - Worldwide destinations* (Single Trip Policies)

Destinations Worldwide excluding USA, Canada, Mexico & Caribbean

Worldwide ex North America	18-59	60-64	65-74	75-79	80-84
Up to 6 days	£56.27	£75.02	£150.05	£225.07	£375.12
Up to 10 days	£69.81	£93.08	£186.15	£279.23	£465.38
Up to 15 days	£79.89	£106.52	£213.04	£319.56	£532.60
Up to 20 days	£98.13	£130.84	£261.67	£392.51	£654.18
Up to 25 days	£112.13	£149.51	£299.02	£448.53	n/a

*Policy Price does not include the cost of adding cover for your pre-existing medical conditions to your policy.

Destinations Worldwide including USA, Canada, Mexico & Caribbean

Worldwide	18-59	60-64	65-74	75-79	80-84
Up to 6 days	£84.37	£112.50	£224.99	£337.49	£562.48
Up to 10 days	£99.47	£132.62	£262.24	£397.86	£663.11
Up to 15 days	£113.53	£151.38	£302.75	£454.13	£756.89
Up to 20 days	£129.06	£172.08	£344.17	£516.25	£860.42
Up to 25 days	£151.97	£202.62	£405.25	£607.87	n/a

*Policy Price does not include the cost of adding cover for your pre-existing medical conditions to your policy.

Premiums shown are based on the schedule of cover below, and do not include cover for your pre-existing medical conditions. If your holiday value exceeds the schedule of cover in respect of cancellation, curtailment or abandonment, we are able to increase these for an additional premium. Please contact us on #PhoneNumber# to receive a quote.

These premiums and cover levels are subject to change, up until purchase. Premiums are inclusive of Insurance Premium Tax at the applicable rate. Premium is based on age at date of departure, trip length and the destination that you will be travelling to.

Eligibility

To be eligible for this policy, all travellers must:

1. Be a UK resident.

You, and all travellers to be insured under this policy, must be a resident of the United Kingdom and registered with a doctor within the United Kingdom to purchase this policy.

2. Have purchased this policy BEFORE your departure from the UK.

You, and all travellers to be insured under this policy, have not purchased this policy after you have left the United Kingdom, either to be covered for this trip, or a trip that you are currently on.

3. Be aged 85 or under if purchasing a Single Trip policy, or aged 75 or under if purchasing an Annual Multi-trip policy.

You, and all travellers to be insured under this policy, are not eligible to purchase this policy if at the time you buy the policy, anyone to be covered under the policy are either:

• Under 18 years old, unless you are part of a family policy and a dependent of an adult on that policy
• Aged 84 years old or over for Single Trip policies
• Aged 74 years old or over for Annual Multi-Trip policies

4. Not have any symptoms or are waiting for the results of a covid test at the time of purchasing this poilcy.

You are not awaiting the outcome of a COVID-19 test that could cause you to make a claim on this policy, as you are unable to travel

Significant or unusual exclusions and limitations

Significant features and benefits

Your policy includes the following benefits which are explained in detail in the policy document:

Cover Per person unless otherwise stated	Gold Cover
	Limit up to	Excess (per person per claim)
Cancellation or Curtailment	£5,000	£100
Emergency Medical and Repatriation Expenses*	Up to £10,000,000	£100
Hospital Benefit	£35 per day up to £400	Nil
Dental Treatment	£400	£100
Personal Possessions and Baggage	£3,000	£100
Single Item Limit	£300
Valuables Limit	£300
Delayed Baggage	£30 per 12 hours to £350	Nil
Personal Money	£500	£100
Cash Limit	£100
Travel Delay - Benefit	£15 per 12 hours to £150	Nil
Abandonment	£5,000	£100
Loss of Passport	£500	Nil
Missed Departure	£1,500	£100
Personal Accident
Permanent Total Disablement **	£20,000	Nil
Loss of limb(s) / Eye(s)**	£20,000	Nil
Death	£20,000	Nil
Death if the insured person is over 75	£2,500	Nil
Personal Liability	£2,000,000	£200
Legal Expenses	£25,000	£100
River Cruise Cover
Cabin Confinement	£50 per 24 hours up to £300	Nil
Itinerary change	£100 per port up to £300	Nil
Unused Excursions	£250	£100
Optional Winter Sports Cover
Ski Equipment (Owned)	£1,000	£100
Single Item Limit	£500
Ski Equipment Hired	£300	£100
Ski Hire	£300	Nil
Piste Closure	£40 per day to a maximum of £400	Nil
Avalanche or Landslide	£250	Nil
Optional Golf Cover
Golf Equipment	£3,000	£100
Single Article Limit	£500	£100
Non refundable golfing fees	£30 per day up to £300	Nil
Optional Cruise Pack
Missed Port Departure	£1,000	£100
Cabin Confinement	£100 per 24 hours up to £1000	Nil
Itinerary Change	£150 per port up to £450	Nil
Unused Excursions	£500	£100

 *Emergency Medical and Repatriation Expenses - For travel to the United States of America we will only pay for necessary emergency medical treatment, surgical, hospital, ambulance and nursing fees and charges. This means costs that are incurred for approved, eligible medical services or suppliers up to 150% of the published medical rates for the same or similar treatment as payable by US Medicare. 

**Only applicable if over 16 or under 75. 

Limits stated are on a per claim basis and are not cumulative across the period of insurance, unless otherwise stated.

Duration of cover

The maximum duration of a Single Trip policy is 365 days if you are aged up to and including 55 Years Old, 90 days if you are aged from 56 up to and including 79 years old, and 21 days if you are aged from 80 up to including 84 years old.

The maximum duration of an Annual Multi-Trip policy is 32 consecutive days, however this can be upgraded to 45, 62, or 90 days, if you are aged 64 and under, and have paid the additional premium.

The duration of your insurance policy will be shown on your holiday booking invoice.

Your right to cancel

You have 14 days from the receipt of your documentation to cancel your policy if you feel it does not meet your requirements.

Outside of your 14 days cooling off period, this policy is non-refundable

Your Right to make a complaint

Customer Service - Making a complaint

For policies purchased on or after the 01st January 2023

Customer Service - Policy Sale:

Our aim at all times is to provide a first-class standard of service. If you feel this objective has not been met and wish to register a complaint, please contact us on 01904 521 936.

Customer Service - Medical Screening:

We always aim to provide a first class service, during the screening of your Pre-Existing Medical Conditions. However, if you have any cause for complaint, please address these in the first instance to:

The Compliance Manager,
Tigon Cover Services, Griffin House,
135 High Street,
Crawley,
West Sussex RH10 1DQ
Email: tigoncomplaints@tigon.co.uk

Claims:

For complaints about how a claim has been handled you should contact:

Reactive Claims Limited,
PO Box 353 ALTON,
GU34 9LE
Email: Complaints@reactiveclaims.com

Medical Assistance:

For complaints about how an assistance case has been handled you should contact:

Quality Assurance Team,
IMG Global Response,
Fitzalan Court,
3rd Floor Fitzalan House,
Cardiff
CF24 0EL
Email: qualityassurance@imglobal.com
Telephone: 0331 630 4699

If you are still not satisfied you can contact the Financial Ombudsman Service:

Financial Ombudsman Service
Exchange Tower,
Harbour Exchange Square,
London
E14 9SR
Phone: 0800 023 4567
Email: complaint.info@financial-ombudsman.org.uk

We are authorised and regulated by the Financial Conduct Authority

IMPORTANT NOTES

We would like to draw your attention to some important features of your insurance including:

1. Insurance document
   You should read this document and the policy document carefully. It gives full details of what is and is not covered and the conditions of the cover, Cover can vary from one policy to another so you should familiarise yourself with this particular insurance.
2. Conditions and exclusions
   Specific conditions and exclusions apply to individual sections of your insurance, whilst general exclusions and conditions will apply to the whole of your insurance.
3. Health
   This insurance contains restrictions regarding pre-existing medical problems concerning the health of the people travelling and of other people upon whose health the trip depends. You are advised to read the document carefully.
4. Property Claims
   These claims are paid based on the value of goods at the time you lose them and not on a 'new for old' replacement cost basis. Deductions will be made in respect of wear, tear and depreciation.
5. Limits
   This insurance has limits on the amount the insurer will pay under each section. Some sections also include other specific limits, for example, for any one item or for valuables in total.
6. Excesses
   Under some sections of this insurance, claims will be subject to an excess. This means each person will be responsible for paying the first part of their own claim under each applicable section.
7. Reasonable care
   You need to take all reasonable care to protect yourself and your property, as you would if you were not insured. Any amounts the insurers will pay for property left unattended in a public place or unattended vehicle is very limited, as specified in the wording.
8. Sports and activities
   You may not be insured if you are going to take part in sports or activities where there is a generally recognised risk of injury. Please check that this insurance covers you or ask us.
9. Customer service
   We always try to provide a high level of service. However, if you think we have not lived up to your expectations, please refer to the wording in the policy which outlines our complaints procedure.
10. Cancellation rights
    This insurance contains a 14 day 'cooling off' period during which you can return it and get a full refund, providing you have not travelled and there are no claims. We reserve the right to deduct from the rebate of premium the reasonable costs incurred in processing the original sale and cancellation. Please note cancellation rights do not apply if your contract is a short-term insurance of less than one month duration.
11. Fraudulent claims
    It is a criminal offence to make a fraudulent claim.

Important questions relating to health & activities

Pre-existing Medical Conditions

Your policies may not cover claims arising from your medical conditions. If you answer 'yes' to any of the questions below then you must declare the relevant conditions to us via the medical screening helpline +44 (0)1293 855970. So we can ensure you are provided with the best cover that suits your needs please read and answer the following

Please consider these questions very carefully in relation to yourself and your travelling companions insured by us. 

An insurance policy can only provide cover in respect of an event/occurrence which is sudden, unforeseen and beyond your reasonable control. Any facts known to You, which could possibly result in you having to make a claim, must be disclosed to us otherwise, you may not be covered. In addition, anyone named under the policy must have read and understood the definition of a pre-existing medical condition, and it is the policy holders responsibility to make sure that all answers in relation to a travellers pre-existing medical condition are answered honestly and accurately. You must not make any misrepresentation because inaccurate answers may result in a claim being declined.

Information you need to tell us

There is certain information that we need to know as it may affect the terms of the insurance cover we can offer you. You must, to the best of your knowledge, give accurate answers to the questions we ask when you buy your travel insurance policy. If you do not answer the questions truthfully it could result in your policy being invalid and could mean that all or part of a claim may not be paid. If you think you may have given us any incorrect answers or if you want any help, please contact the medical screening team on +44(0)1293 855970  and we will be able to tell you if we can still offer you cover. 

In deciding to accept this insurance and in setting the terms and premium, We have relied on the information You have given Us.  

You must take reasonable care to provide complete and accurate answers to the questions We ask when You take out and make changes to Your policy. 

If the information provided by you is not complete and accurate: 

1. We may cancel Your policy and refuse to pay any claim, or 
2. We may not pay any claim in full, or 
3. We may revise the premium and/or change any excess, or 
4. The extent of cover may be affected.