This document details the main changes to the updated policy wording. It does not contain a record of every amendment or those made to individual client policies. Please ensure that you read in full any documentation provided in conjunction with the updated policy wording to determine the full terms, conditions, limitations and exclusions of the policy cover.
IPID changes
Under the what is insured section the following change has been made:
There is no longer any cover for End Supplier Failure
Under the restrictions of cover, an addition has been made:
There is no cover for pregnancy or medical conditions arising from pregnancy if you will be more than 28 weeks pregnant at the time your trip is due to start (or 24 weeks for multiple births). You can make a claim under ‘cancelling your trip’ provided you purchase this policy/booked a trip before you were aware you would not be able to travel
Under the medical section of the policy there has been a change made to the hospital benefit as below:
A customer no longer has to be admitted to a public facility. Both private and public admittances will be considered.
There has been a removal of accommodation confinement benefit
Policy wording changes
There is no longer any cover for End Supplier Failure. Therefore, changes have been made to the following sections of the policy:
Your pre-travel policy – trip disruption before you travel section
Your travel policy – trip disruption during your trip section
Making a complaint section
Under the medical section of the policy there has been a change made to the hospital benefit as below:
A customer no longer has to be admitted to a public facility. Both private and public admittances will be considered.
There has been a removal of accommodation confinement benefit
Under the medical exclusions, an amendment has been made in respect of claims as a result of a motorised vehicle:
Any claim arising as a result of you driving a motor car or riding motorcycle unless you have a full UK licence, or valid CBT certificate (DL196)
In respect of motorcycling the engine capacity must be 125cc or lower, unless you have paid the additional premium and your policy schedule confirms you have the appropriate optional activity pack to include cover for activities involving motorcycles with the specified increased engine capacity).
Riding/use of quad bikes and ATV’s is excluded unless you have paid the additional premium and your policy schedule confirms you have the appropriate optional activity pack to include cover for these activities.
Riding/use of electronic scooters is not covered at any time.
Under the policy information there has been a new definition added as below:
TRAVELLING COMPANION NOT INSURED WITH US – Any costs or expenses for a person not insured by this policy. For example, if you pay for someone else’s accommodation and have to cancel the trip. You won’t be able to claim for ‘the person who you are travelling with’ accommodation costs.
Delay and Abandonment – If you are delayed
The delay benefit is now applied for your whole trip and not each time you are delayed. Customers will be able to claim for cancelled departure or additional transport costs, but not both. For detailed terms of each section, refer to the wording.
If you are on the outward leg of your journey (to your pre-booked final destination) from the UK and delayed by at least 12 hours due to one of the reasons listed, you can claim for unused travel and accommodation costs.
Under the Cutting Short Your Trip – If you have to cut short your trip section, an addition has been made to Additional Costs to Return Home Early:
In the event that we are medically repatriating you and you have no pre-booked and paid return trip, the cost of the economy flight(s) will be deducted from your claim.
Under the medical exclusions, the definition regarding blood alcohol level exceeding 0.19% is now defined as approximately:
5 times the legal drink driving limit in the UK
Under the Emergency Medical Expenses and Medical Repatriation – If you need emergency medical treatment abroad & If you need to be brought home, an addition has been made to medical repatriation:
In the event that we are medically repatriating you and you have no pre-booked and paid return trip, the cost of the economy flight(s) will be deducted from your claim.
Under the Money and Travel documents section, there is no cover for:
Losses arising due to debit or credit card fraud or any unauthorised use of such cards.
Under the Personal Accident, Personal Liability and Legal Expenses section, a new definition has been added:
Prospect of success: A view (when supported by independent legal advice) that you do have more than 51% chance of winning the case and achieving a positive outcome
Under the Legal Advice section, an addition has been made:
Additional travel expenses in the event that a court outside your home country requires you to attend in connection with an event giving rise to an action under this section, up to a maximum per insured person of £1,000.
Four additions (point 6-9) have been added to the ‘there is no cover for’ section.
Under the Personal Accident – If you are killed, injured or disabled following an accident, there will be no cover section, an addition has been made:
Any claim arising as a result of you driving a motor car or riding motorcycle unless you have a full UK licence, or valid CBT certificate (DL196)
In respect of motorcycling the engine capacity must be 125cc or lower, unless you have paid the additional premium and your policy schedule confirms you have the appropriate optional activity pack to include cover for activities involving motorcycles with the specified increased engine capacity).
Riding/use of quad bikes and ATV’s is excluded unless you have paid the additional premium and your policy schedule confirms you have the appropriate optional activity pack to include cover for these activities.
Riding/use of electronic scooters is not covered at any time.
Under the Legal Expenses – If you need legal advice, there will be no cover section, an addition has been made:
Any claim arising as a result of you driving a motor car or riding motorcycle unless you have a full UK licence, or valid CBT certificate (DL196)
In respect of motorcycling the engine capacity must be 125cc or lower, unless you have paid the additional premium and your policy schedule confirms you have the appropriate optional activity pack to include cover for activities involving motorcycles with the specified increased engine capacity).
Riding/use of quad bikes and ATV’s is excluded unless you have paid the additional premium and your policy schedule confirms you have the appropriate optional activity pack to include cover for these activities.
Riding/use of electronic scooters is not covered at any time.
Under Sports and activities NOT covered, an addition has been made:
Mechanically assisted and electronic bicycles
Covid -19 extension
Under the Cutting Short Your Trip section, there is no longer cover for delay departing from the UK due to delayed Covid-19 test results
Large Scale Events extension
A new definition added as below:
TRAVELLING COMPANION NOT INSURED WITH US – Any costs or expenses for a person not insured by this policy. For example, if you pay for someone else’s accommodation and have to cancel the trip. You won’t be able to claim for ‘the person who you are travelling with’ accommodation costs.
Delay and Abandonment – If you are delayed:
The delay benefit is now applied for your whole trip and not each time you are delayed. Customers will be able to claim for cancelled departure or additional transport costs, but not both. For detailed terms of each section, refer to the wording.
Delay and Abandonment – If you decide to abandon your travel plans:
If you are on the outward leg of your journey (to your pre-booked final destination) from the UK and delayed by at least 12 hours due to one of the reasons listed, you can claim for unused travel and accommodation costs.
Please check our latest policy wordings for full cover details.
December 2022 Changes
Please see below a list of changes we have made to our policies from 01/12/2022.
Holidaysafe Premier Single Trip & Multi Trip
The maximum limit for Cancellation, Curtailment and Abandonment is being reduced from £5,000 to £3,000.
The maximum limit for baggage (this does not include valuables or gadgets) is being reduced from £2,000 to £1,500.
Holidaysafe Premier Plus Single Trip & Multi Trip
The maximum limit for Cancellation, Curtailment and Abandonment is being reduced from £7,500 to £5,000.
The standard policy excess is being increased from Zero to £40.
Please check our latest policy wordings for full cover details.
December 2021 Changes
Insurer Update
All Holidaysafe policies issued/sold on and after the 20 December 2021 will be Insured by Collinson Insurance. Collinson Insurance is a trading name of Astrenska Insurance Limited who is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Their Financial Services Register Number is 202846. These details can be checked on the Financial Services Register at: www.fca.org.uk
End Supplier Sections of Cover Only
If the policy you choose has End Supplier Cover included, these sections of cover are provided by International Passenger Protection Limited, IPP House, 22-26 Station Road, West Wickham, Kent BR4 0PR, United Kingdom and is underwritten by Liberty Mutual Insurance Europe SE (The Insurer). The Insurer is authorised and regulated by the Luxembourg Minister of Finance and the Commissariat aux Assurances. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority (registered number 829959). 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 www.fca.org.uk
Policy and Product Updates
Cancelling or Amending your policy
Please tell us as soon as you are aware that your policy does not meet your needs. If you cancel within 14 days of the receipt of your documentation. If you have not started a trip, made a claim, or intend to make a claim, we will give you a full refund. If you cancel outside of the 14-day cooling-off period, no premium will be refunded.
However, discretion may be exercised in exceptional circumstances to provide a refund for unused cover, those exceptional circumstances being bereavement or an unexpected change to your policy resulting in us being unable to continue covering you. The unused premium will be calculated on a sliding scale basis as follows:
Refund scale outside the 14-day cooling off period for exceptional circumstances only
Single Trip Policies Before Travel
75% refund
No refund can be given once a trip has started.
Annual Multi Trip Policies
Number of months policy was live before cancellation
% Refund
1 month
75%
2 months
60%
3 months
50%
4 months
40%
5 months
30%
6 months
25%
7 months
20%
8 months
15%
9 months
10%
10 months
5%
11 months
0%
12 months
0%
Policy Extensions Available
The following upgrades are available to be purchased for an additional premium:
Cruise Extension (Single Trip and Multi Trip Policies Only)
Golf Extension
COVID-19 Extension
Large Scale Events Extension
60Day Multi Trip Extension (Platinum Multi Trip Only)
Excess Waiver
Depreciation/Wear and Tear Scale for Personal Belongings
Age of Property
Clothing and Personal Effects
Jewellery
Electronic Equipment
Cosmetics, Toiletries & Perfumes
Gadgets
Winter Sports and Golf Equipment
0-1 Month
0%
0%
0%
50%
0%
5%
1-6 Months
5%
0%
5%
50%
5%
10%
6-12 Months
10%
0%
10%
50%
10%
15%
1-2 Years
15%
5%
20%
60%
20%
35%
2-3 Years
20%
10%
30%
70%
30%
55%
3-4 Years
25%
15%
40%
80%
40%
70%
4-5 Years
30%
20%
50%
90%
50%
80%
6 Years +
40%
25%
60%
95%
60%
100%
Gadget Cover
With the new insurer comes a new approach to gadget cover. On Holidaysafe, we will not have an option to add gadget cover, but it will be built into certain schemes as standard. Please see cover grids and policy wordings for more information.
Previously the gadget cover was on a ‘repair’ cover concept, whereas now the cover will simply pay out for the cost of a replacement item up to the limit on the policy much like the other personal possession sections of cover.
There is no longer cover available for the cost of Unauthorised Calls and Data Download.
Gadget Claims will now be handled by the Insurer in the same way that all other claims will be.
Gadget Definition Update
Gadgets are now defined as:
Mobile/smart phones, tablets, laptops, computers, smartwatches, games consoles (including handheld consoles), wearable activity trackers, including any accessory items, and drones.
Sports and Activities
As of launch, we will be changing the way we approach activities and activity packs. The new insurer has given us a new standard list of activities which don’t require any additional premium to be covered.
The standard list is much larger than it was before and covers many more high risk activities such as sky diving!
This will apply to all standard Single Trip, Multi Trip and Backpacker Longstay Policies.
The Winter Sports schemes will have the same activities covered as standard but with the addition of a long list of winter activities included as well.
This additional excess will still apply if an excess waiver has been purchased but it will not be applied to claims of less than £500. Only the standard excess will apply in these scenarios.
Specific Section Updates
Cancelling Your Trip – If you are unable to go on your trip
Cover being added:
If a medical practitioner advises against travel due to your or your travelling companions underlying health conditions, including pregnancy.
If you discover that you or your travelling companion are pregnant after the date you bought this policy or after the date the trip was booked (whichever you did last). The booked return date must be within 12 weeks, (16 weeks for a multiple birth), of the expected date of delivery.
If your travel documents are stolen within 7 days of the start of your trip, and you are unable to replace them before departure.
If you are confirmed unable to participate in a pre-planned and pre-paid activity by a medical practitioner, provided the activity is the main purpose of your trip.
Policy Extensions Available on this section:
COVID-19 Extension
LargeScale Events Extension
Cover being removed:
If there is a change in FCDO advice due to fire, earthquake, storm, flood, riot or civil unrest.
If you, anyone insured on this policy, or a household member had to isolate at home due to Covid-19.
Delay and Abandonment – If you are delayed and If you decide to abandon your trip
Cover being added:
Delays and abandonment caused by:
Industrial action.
Bad weather not including anything listed as a natural catastrophe.
Technical fault of transportation including bird strikes.
Shortage of crew.
Delays will now be covered on the outbound and inbound leg on your trip.
Policy Extensions Available on this section:
COVID-19 Extension
LargeScale Events Extension
Cover being removed:
Previously we did not have specified reasons for delay.
No cover available for UK trips.
Missed Departure from the UK – If you miss your departure
Cover being added:
Missed Departure from the UK caused by:
Delay or cancellation of public transport due to:
Industrial action
Bad weather not including anything listed as a natural catastrophe
Technical fault of transportation including bird strikes
Shortage of crew
The vehicle you are travelling in is involved in an accident, breaks down, is delayed by an incident that causes traffic jams or road closures.
The flight you are travelling on is diverted.
Policy Extensions Available on this section:
COVID-19 Extension
Large Scale Events Extension
Cover being removed:
Missed departure caused by closure of airspace.
Missed Departure Outside the UK – If you miss your departure and if you miss your connection
Cover being added:
Missed Departure and Missed Connection Outside the UK caused by:
Delay or cancellation of public transport due to:
Industrial action
Bad weather not including anything listed as a natural catastrophe
Mechanical fault of transportation including bird strikes
Shortage of crew
The vehicle you are travelling in is involved in an accident, breaks down, is delayed by an incident that causes traffic jams or road closures.
Your flight being diverted.
Travel documents are lost or stolen whilst you are outside the UK.
We now also be able to cover you for the costs of essential prescription medication when your supply runs out under this section.
PolicyExtensions Available on this section:
COVID-19 Extension
LargeScale Events Extension
Cover being removed:
Missed departure and connection caused by closure of airspace.
Substitute Accommodation – If a major incident happens while you are away
Cover being added:
This section covers additional accommodation costs if you are forced to move from your pre-booked accommodation and into an alternative at the same destination. Your original accommodation must be uninhabitable for a reason listed below for at least 24 hours. We will pay up to the sum insured for the same standard of accommodation as you originally booked when yourtravel provider does not supply an alternative.
An outbreak of food poisoning at youraccommodation that forces it to close.
Fire or storm damage (not listed as a natural catastrophe).
The following key services not being provided at your booked accommodation; electricity, water (including no hot water), insufficient hotel staff available due to industrial action.
All claims must be submitted within 60 days of your return from your trip. You must assist us in providing all requested information, including completing any requested forms, or you may experience a delay in the processing of your claim. When claims settlements are made by BACS (Bank automatic Clearing System) or other electronic banking system method, you will be responsible for supplying us with the correct bank account details and your full authority for us to remit monies directly to that account. Provided that payment is remitted to the bank account designated by you, we shall have no further liability or responsibility in respect of such payment, and it shall be your sole responsibility to make collection of any misdirected payment in the event of incorrect details having been provided to us.
Claims & assistance services are administered by Collinson Insurance Services Ltd.
24-hour Emergency Medical Assistance
You must contact the medical emergency service once you know you will be in a medical facility for at least 24 hours
If your complaint relates to the sales literature, the way in which your policy was sold to you, the Medical Screening Service or regarding information about your policy, please contact:
Our promise of service – We will aim to provide you with a full response within 4 weeks of the date we receive your complaint, and our response will be our final decision based on the evidence presented. If for any reason there is a delay in completing our investigations, we will explain why and tell you when we hope to reach a decision. In any event, should you remain dissatisfied or fail to receive a final answer within 8 weeks of us receiving your complaint, you may have the right to refer your complaint to an independent authority for consideration. That authority is:
Telephone: (Landline) 0800 0234 567 or (Mobile) 0300 1239 123 More information can be found on their website – www.financial-ombudsman.org.uk. Please note that if you wish to refer this matter to the FOS you must do so within 6 months of our final decision. You must have completed the above procedure before the FOS will consider your case. Your legal rights are not affected.
July 2021 Changes
From 8th July 2021 the main insurer of our travel insurance products has changed from Union Reiseversicherung AG (URV) to White Horse Insurance Ireland dac. Our cover and prices have not been affected by this change. More information can be found here.
November 2020 Changes
From 12th November 2020, our Backpacker and Longstay policies also include enhanced cover for COVID-19. Click here for more details.
From 1st November 2020, our Standard and Premier Single and Multi Trip policies also include enhanced cover for COVID-19. Click here for more details.
September 2020 Changes
From 24th September 2020 our Staycation Plus Single and Multi Trip policies also include enhanced cover for COVID-19- click here for more details.
August 2020 Changes
From 12th August 2020 our Premier Plus and Platinum Single and Multi Trip policies include:
Cancellation cover if you are anyone named on the policy test positive for Coronavirus up to 14 days prior to travelling.
Denied boarding cover if you and anyone named on the policy are prevented entry at the airport on your inbound flight due to showing symptoms of COVID-19.
Plus much more – click here for more details.
March 2020 Changes
From 13th March 2020, there is no cover under our policies for:
Cancellation, abandonment or curtailment claims if the Foreign, Commonwealth & Development Office (FCDO) advises you not to travel, for example where the FCDO advise against all but essential travel to an area affected by Coronavirus, COVID-19, Severe Acute Respiratory Syndrome (SARS-COV-2) or any mutation of Coronavirus, COVID-19 or SARs-COV-2.
Any claims as a result of Coronavirus, COVID-19, Severe Acute Respiratory Syndrome (SARS-COV-2), any mutation of Coronavirus, COVID-19 or SARs-COV-2 or any pandemic or fear or threat of any the above. Except for Section B** Emergency Medical Expenses. This will only apply if you did not travel against the published advice of the FCDO, any local government, local authority or WHO.
October 2019 Changes
From 1 November 2019, the standard single trip and annual multi trip policies, together with Backpacker/Longstay policies are to use the new policy wording format. Some of the section names have been expanded or changed to be clearer and more helpful to our customers, but also sections have been grouped together for customers to be able to quickly locate policy sections related to Cancellation, Trip Disruption, Medical & Cancellation, Possessions and Legal & Personal Accident.
Cover Changes
Lite Single & Multi Trip:
Lost or stolen cash section has been extended to include event tickets.
Last minute Single & Multi Trip
Lost or stolen cash section has been extended to include event tickets.
If you are mugged section has been removed from the policy.
If you are hijacked section has been removed from the policy.
Standard Single & Multi Trip
If you are unable to go on your trip: this section has been extended to include cover for if the Foreign, Commonwealth & Development Office (FCDO) advise against all but essential travel within a 30 mile radius of your trip destination.
Lost or stolen cash section has been extended to include event tickets.
If you need to be brought home: £100,000
If your valuables are lost or stolen, and If your electrical items & accessories are lost, stolen, or accidentally damaged has been combined into a new section called ‘If your valuables are lost, stolen or accidentally damaged’ and a new overall limit of £1,000 is applied.
Premier Single & Multi Trip
If you are unable to go on your trip: this section has been extended to include cover for if the Foreign, Commonwealth & Development Office (FCDO) advise against all but essential travel within a 30 mile radius of your trip destination.
Lost or stolen cash section has been extended to include event tickets.
If you are delayed: £300
If you miss your departure section, and If you miss your first connection from your home country or BFPO section has been combined into a new section called ‘If you miss your departure or onward connection’ and a limit of £1,000 applies.
If you need to be brought home: £100,000
If you are buried or cremated abroad: £5,000
If you are in a hospital: £50 per day / £1,000 total.
If your checked-in baggage is delayed: £150
If your valuables are lost or stolen, and If your electrical items & accessories are lost, stolen, or accidentally damaged has been combined into a new section called ‘If your valuables are lost, stolen or accidentally damaged’ and a new overall limit of £1,000 is applied.
If your gadgets are lost, stolen or accidentally damaged: £2,000
If your other possessions are lost, stolen or accidentally damaged: £2,000
If you need emergency travel documents: £400
If your end supplier fails while you are on your trip: £3,000
Premier Plus Single & Multi Trip
If you are unable to go on your trip: this section has been extended to include cover for if the Foreign, Commonwealth & Development Office (FCDO) advise against all but essential travel within a 30 mile radius of your trip destination.
Lost or stolen cash section has been extended to include event tickets.
If you are delayed: £300
If you miss your departure section, and If you miss your first connection from your home country or BFPO section has been combined into a new section called ‘If you miss your departure or onward connection’ and a limit of £1,000 applies.
If you need to be brought home: £100,000
If you are buried or cremated abroad: £5,000
If your checked-in baggage is delayed: £150
If your valuables are lost or stolen, and If your electrical items & accessories are lost, stolen, or accidentally damaged has been combined into a new section called ‘If your valuables are lost, stolen or accidentally damaged’ and a new overall limit of £1,000 is applied
If your gadgets are lost, stolen or accidentally damaged: £2,000
If you need emergency travel documents: £400
If you need legal advice: £50,000
If your end supplier fails while you are on your trip: £3,000
Backpacker & Longstay
If you need to come home early: £2,500
Lost or stolen cash section has been extended to include event tickets.
If your Inter Rail ticket(s) is lost or stolen: £300
If you are mugged section has been removed from the policy.
If you are hijacked section has been removed from the policy.
Optional Study or work placement abroad extension removed from the policy.
Optional Missed connection extension now included within ‘If you miss your departure or onward connection’ section.
Backpacker & Longstay Plus
If you need to come home early: £3,000
Lost or stolen cash section has been extended to include event tickets.
If you are mugged section has been removed from the policy.
If you are hijacked section has been removed from the policy.
Optional Study or work placement abroad extension removed from the policy.
Optional Missed connection extension now included within ‘If you miss your departure or onward connection’ section.
Backpacker & Longstay Platinum
If you need to come home early: £5,000
Lost or stolen cash section has been extended to include event tickets.
If you are mugged section has been removed from the policy.
If you are hijacked section has been removed from the policy.
If your return is delayed due to air rage section has been removed from the policy.
If your gadget is lost, stolen or damaged:£2,000
November 2018 Changes
Cover Changes
Premier Single & Multi Trip:
Travel Delay per 12 hour period: £35
Travel delay maximum limit: £350
Personal Possessions Limit: £2,500
Valuables: £500
Missed Departure: £1,000
Personal Accident: £30,000
Gadget now covered as standard – up to £1,000
Premier Plus Single & Multi Trip:
Travel Delay per 12 hour period: £35
Valuables: £500
Missed Departure: £1,000
Personal Accident: £30,000
Gadget now covered as standard – up to £2,000
Premier Platinum Single & Multi Trip:
Gadget included as standard – now up to £3,000
Backpacker and Longstay Platinum:
Gadget included as standard – now up to £2,000
Policy Changes
Cover for Laptops has been removed from the Personal Possessions section of the policy and will now be covered under the Gadget section.
Gadget cover is no longer available as an optional extension, but is available as standard under our higher cover levels (such as Premier, Premier Plus and Premier Platinum Single or Multi Trip).
If you need emergency medical attention – Within the BE AWARE we have inserted an additional bullet as follows ‘additional flights which exceed the standard of that originally booked unless medically necessary and agreed with Emergency Assistance Facilities’
If your possessions are delayed by 12/24 hours – We have amended the wording in the ‘Cover available up to’ for delayed possessions for clarification purposes. The wording currently says ‘£XX per 12/24hrs up to a maximum of £XXX’. We will be changing this to ‘Up to £XX per 12/24hrs up to a maximum of £XXX’. By doing this we are making it clearer to the customer that they need to purchase items to get this benefit and that it is not a compensation figure.
Data Protection Act – Personal Information – Following on from the new GDPR rules, we have updated our Data Protection section to implement Travel Insurance Facilities plc agreed wording.
Disclosure of medical conditions – The following changes have been applied to this section: – We have tweaked some of the questions in the flow chart under the section ‘Have you or anyone insured under this policy ever been diagnosed or received treatment for:’ We have also added a new question which is ‘Any type of irritable bowel disease?’ We have included this question to ensure that when a medical declaration is completed, we are capturing as much information as possible to ensure customers are covered against potential issues which could arise whilst travelling. This specific question has seen a trend where gastric conditions are becoming a lot more common, therefore we want to make sure the customers, and ourselves, are covered against this.
Disclosure of medical conditions – The following changes have been applied to this section: – We have also amended the ‘When your two policies start and end’ box on the right-hand side of the page. We are replacing the sentence ‘Alternatively cover will cease upon expiration of your policy, whichever is the first’ with ‘Cancellation cover will cease when you start your trip, or upon expiration of your policy, whichever is first’. We have made this change to clarify to the customer that they are covered for cancellation up until the expiry of the policy on an Annual Multi-Trip policy.
How your policies work – We have added some additional information to the ‘Your Excess’ section of this page. The sentence will now read as follows ‘Your policy carries an excess and this is the amount you have to contribute towards each claim. All excesses shown for this policy are per section and are payable by each insured-person, for each incident giving rise to a separate claim. Your excess may be increased to include existing medical conditions (including anything directly or indirectly related to that condition) confirmed in writing by us. The increase excess will apply to all persons insured on the policy whose claim has been caused by the declared medical condition.’ The wording underlined has been included to provide clarity to the customer about when the excess will be applicable to a claim.
Definitions – We are removing the final sentence ‘Both during the period of cover’ from the ‘Trip’ definition. This is to be clearer and more transparent to the customer that they are covered for cancellation up until the expiry of the policy on an Annual Multi-Trip policy. This works alongside the disclosure of medical definitions change we mentioned earlier.
Conditions and Exclusions – We have added a new bullet to advise that ‘If you choose not to adhere to medical advice given any claims related to this will not be paid’.
Activity packs – The following changes have been applied to this section: 1) We are changing the ‘High Diving’ activity to read ‘High Diving – indoor/outdoor swimming pools only’. 2) We are adding limits to the amount of ‘Sky Dives’ that can take place within the policy period. These will now be displayed as ‘Tandem Skydive (maximum of 2 jumps per trip) and ‘Solo Skydive (maximum of 1 jump per trip)’.
If you need to claim – We have added a new bullet point to advise that ‘We will pay a maximum of £80 for medical records/completion of a medical certificate’.
Complaints Section – We have amended the title of ‘Quality and Improvements Manager’ to ‘Customer Insights Manager’.
February 2018 Changes
Miscellaneous
From 23rd February – We have changed our approved legal representatives (under the ‘if you need legal advice’ section of our policy wordings) to Penningtons Manches LLP.
November 2017 Changes
Miscellaneous
We have changed provider for our gadget cover and extension from Supercover Insurance Ltd to Bastion Insurance Services Ltd. The Underwriter remains the same (UK General Insurance Limited on behalf of Great Lakes Insurance SE).
On the front cover we have inserted text which stipulates “ALL TRAVEL MUST TAKE PLACE WITHIN 12 MONTHS OF THE START DATE OF YOUR POLICY” – please note duration is 18 months for Longstay and Backpacker policies.
Travel Claims Facilities have extended their opening hours to 08:30 – 18:00.
The Complaints Officer title has been updated to “Quality and Improvements Manager”.
On the health declaration we have amended the wording where previously we advised “anyone travelling with you” we now say “anyone insured under this policy”.
Mexico has been removed from countries where Chargecare operate.
Our Solicitor’s address has been updated.
Under our extension of period service, we now extend the whole policy rather than just the medical expenses cover.
We have removed the Channel Islands from our EHIC information section as it is no longer eligible for the reciprocal healthcare scheme.
August 2016 Changes
Policy A – Pre-Travel Policy
Cancellation of pre-paid excursions booked in the UK – Following the addition of the clarification bullet point confirming that we will cover cancellation of pre-paid excursions booked in the UK in the last raft of changes in April 2016 we have moved to clarify that we mean any pre-paid excursions booked by you before you go on your trip. The previous wording caused some confusion so this has been done for clarification purposes.
Policy B – Travel Policy
If you need emergency medical attention – BE AWARE wording – Under the first bullet point after “anything mentioned in the conditions and exclusions (Page 12)” we have reworded the bracketed wording that follows. This is to clarify that the exclusion is specifically in relation to non-declared existing medical conditions.
If you need to come home early – BE AWARE wording – We have reworded the bold wording after BE AWARE. The previous wording contradicted itself in the “If you need to claim” section it advised to contact the claims department to see if the circumstances would be covered, whereas in the BE AWARE section it advised to make your own arrangements. We have removed the telephone number and reworded the BE AWARE section for clarity purposes.
Personal Accident – For clarity purposes we have included wording stating “whilst on your trip” in both the summary and the schedule.
Missed connection extension – When applicable, we have amended the wording in the “If you need to claim” column to advise that “You will need to provide any additional, relevant and appropriate information or documentation requested by the claims handlers”. Previously we stated that it was any additional information, which was ambiguous.
Miscellaneous
Use of British Forces Posted Overseas – This inclusion in relation to residency has been reflected throughout the document following queries. Policyholders who fall within this category have always been covered, although until now this has never been clarified in our wordings.
Criteria for purchase – We have included the clarification that, when purchasing a policy, the policyholder “must be travelling with the intention to return to the United Kingdom, Channel Islands or BFPO within the trip dates unless an extension has been agreed with us and we have confirmed in writing.”
Your Important Contact Numbers – We have added the emergency number of 112 whilst in the EU.
Disclosure of your medical conditions – When your two policies start and end – The previous explanation of how policy B worked contradicted our definition of a trip. We have now reworded to say “The cover under policy B starts when you commence your trip and ends when you complete your trip. Alternatively cover will cease upon expiration of your policy, whichever is the first.
How your policies work – Pregnancy – Confusion has arisen with customers with exactly when the cover no longer applies to include emergency medical expenses. Following that feedback we have moved to clarify that week 28 is “inclusive”.
How your policies work – Medical cover – The wording has been reworded as in previous versions it seemed to suggest that the policyholder needed to declare the existing medical condition to Travel Administration Facilities and then to go and see the doctor to see if it is safe to travel. Whereas it should have been the other way round, with the importance being on seeing the doctor in the first instance before contacting Travel Administration Facilities.
Definitions – The following definitions have been included or amended where relevant:– Beach Swimming – New– BFPO – British Forces Posted Overseas – New– Business Equipment – New.– Close Relative – Updated to include Foster-child, Daughter-in-law, Son-in-law, Brother-in-law, Sister-in-law, Step-child, Step-brother, Step-sister, Aunt and Uncle.– Cruise – The definition has been reworded for clarity purposes – Updated.– Domestic Flights – New.– Family – New.– Home Country – removed “country of nationality” as it caused confusion throughout the document – Updated.– Off Piste – New.– On Piste – Updated.– Open Water Swimming – New.– Public transport – Previously included “Internal flights” within this definition which was confusing. Have replaced with “Domestic Flights” – Updated.
Conditions and exclusions applying to your policies– Activity packs There is an exclusion in this section around participation in any sports and activities unless the appropriate additional premium has been paid. This was incorrect in the previous wording as it covered all activity packs, whereas activity pack 1 is included as standard. Amended the wording to highlight this only applies to activity packs 2-8.
Activity packs – Definition of non-leisure activities – To clarify the winter sports cover we have amended the bracketed wording in bold at in the top text box to say as follows “(with the exception of winter sports, whereby you can opt to have specific winter sporting activities included, which will be covered for the entire duration of your trip)”. To clarify what we mean by non-leisure activities we have revised the wording to “(examples of non-leisure purposes include professional/semi-professional/paid/sponsored racing, timed events…..” Removed “Non-incidental” as not clear for customers. Have inserted new wording as follows – “The activities are covered on the basis that your chosen activity is not the sole purpose of your trip”.
Activity packs – The following has been updated in some activity packs for clarity purposes:– Cycling – Activity Pack 1 – have included altitude limit of 1,000m– Speed Trials / Time Trials – Have added bracketed wording to state “(Amateur – organised, not public roads)” as previous version did not include this and as such contradicted the definition of non-leisure purposes.
Data Protection wording – We have included Data Protection wording on the final page of the documentation explaining what tifgroup does with the personal information obtained.
April 2016 Changes
Policy A – Pre-Travel Policy
Cancellation of pre-paid excursions booked in the UK – We have added in a clarification bullet point confirming that we will cover cancellation of pre-paid excursions booked in the UK.
Policy B – Travel Policy
If your travel plans are disrupted – cancellation of your trip – Previous wording advised that we will pay up to a certain value if after 24 hours delay at the airport of your outbound journey from your home country you abandon the trip. Our definition of home country includes outside of the UK which was not correct for the purposes of this point. As such we have “home country” with “UK”.
Age Limit within Accidental Death and Disability – Increased minimum age limit from 16 to 18. The reason for this change is to reflect that a child cannot leave education in one form or another until 18 (https://www.gov.uk/know-when-you-can-leave-school). In conjunction with the confirmation that someone of the age of 18 or above can enter a legal contract (https://www.netlawman.co.uk/ia/entering-contract-minor).
Inclusion of the need for a Police report – Included wording throughout the document advising that a written Police report will be required when submitting a claim for loss of possessions.
Clarification of missed port benefit on Cruise cover – Where Cruise cover is relevant and there is a missed port benefit we previously did not include a “per port” breakdown. This has now been included for clarification purposes.
Additional Accommodation – Added wording within the “If you need emergency medical treatment” section for additional accommodation confirming that “Where our Emergency Assistance Facilities colleagues are arranging the booking it will be 3* standard where available”.
Cancellation of pre-paid excursions booked in the UK – We have added in a clarification bullet point confirming that we will cover cancellation of pre-paid excursions booked in the UK.
Winter sports extension – Where Winter sports extension is relevant we have expanded on the hemisphere dates to include date ranges for both Northern and Southern hemisphere dates, as well as clarification on the height limitations.
Miscellaneous
Your contribution – Following a review we have changed all use of the word “contribution” to “excess”. We made this change as people will be more familiar with the word “excess” when looking into insurance, so will provide clarity and familiarity moving forward.
Travellers Health Check – Following re-branding within tifgroup this is now known as Travel Administration Facilities.
Telephone Numbers – All telephone numbers have been migrated from the old 01732 / 0845 numbers to the new local 0203 numbers.
Registered Address / Contact Address – tifgroup address amended throughout to 1 Tower View, Kings Hill, West Malling, Kent, ME19 4UY.
Material Fact – All references to “Material Fact” amended to “Relevant Information” for clarity purposes.
Definitions – The following definitions have been included when relevant:– Cruise– Emergency Treatment– Offshore and Inshore– Travelling Companion– Business Samples– Connecting Flights– Off-Piste– Back Country
Definition of close relative revision – Previous definition advises that the policyholder must have been with a spouse or partner for a minimum of 6 months, however, later the definition advised fiancée is covered. Because a person can be engaged in less than 6 months this definition was contradictory. As a result the definition has been revised to remove the time limit but to advise the policyholder must be living with the spouse or partner.
Pre-existing medical condition – It has become apparent that on previous versions there was a contradiction in terms of how far back declaration of a pre-existing condition must go. Under the Disclosure of Your Medical Conditions section we asked for conditions to be declared from up to the past 2 years, however, in the Conditions and Exclusions section we did not specify a timeframe. We have now aligned both sections to the 2 year timeframe.
Declared and accepted pre-existing conditions – We have now amended wording to show in the “Cover is only provided if” section where relevant that pre-existing conditions can only be declared and accepted by us in writing when it refers to the policyholder. We cannot obtain this information when it relates to a non-travelling close relative, the person you are intending to stay with, a business associate or travelling companion. As a result we have split them into two separate bullet points.
Motorised vehicle license – We have amended the wording within the Conditions and Exclusions section. Previously we were advising that you must hold a valid UK license, however, this might not be applicable in your home country. As such we have amended the wording to reflect the need for appropriate qualifications.
Holidaysafe is a trading name of Travel Insurance Facilities Plc, which is authorised and regulated by the Financial Conduct Authority FRN 306537. Registered Office: 1 Tower View, Kings Hill, West Malling, ME19 4UY. Travel Insurance Facilities Plc registered in England No. 3220410. All rights reserved. All policies offered are on a non-advised basis.
To get a quote please choose one of the following policy types:
If you only take one or two trips a year then this is the most cost effective way to get covered. Choose from a selection of cover options to suit you. (Add cover for Cruising on the Options page.)
If you take more than two trips per year then this may be the cheapest way to get insured. The policy covers all trips made in a 12 month period. (Add cover for Cruising on the Options page.)
If you are the intrepid and adventurous type looking to see the world, our Backpacker & Longstay range of policy are ideal for students on a gap year, backpackers and adventure seekers.
If your idea of the perfect holiday is snow-capped mountains and winter sports, we have a specially designed range of policies to protect you, your trip and your equipment.
If you are the intrepid and adventurous type looking to see the world, our Backpacker & Longstay range of policy are ideal for students on a gap year, backpackers and adventure seekers.
