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Holiday Insurance



A Special Holiday Travel Insurance Scheme is available for all passengers travelling on our holidays which is arranged with ETI - International Travel Protection (the UK branch of Europaische Reiseverscherung AG) who are Licensed by the Bundesanstalt fur Finanzdienstleistungsaufsicht (BAFIN - www.bafin.de) and approved by the Financial Conduct Authority (FCA - www.fca.org.uk) to undertake insurance business in the UK. Should you wish to take advantage of our Holiday Travel Insurance please include the appropriate premium when booking your holiday.



  1. DEMANDS AND NEEDS

    This travel insurance policy will suit the Demands and Needs of an individual, or group (where applicable) who have no pre-existing medical conditions, are travelling in countries included within the policy terms and who wish to insure themselves against the financial impact of specified unforeseen circumstances/events relating to or occuring during their trip. Subject to policy exclusions, terms, conditions and maximum specified claim limits; full details of which may be found in your policy booklet. If you do not have one of these please ask for a copy to aid you in making your own informed buying decision.

  2. 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. We summarise below the details of the insurance cover provided which also includes SPECIALTY ASSISTANCE LIMITED – 24-hour emergency service. The following is a brief summary of the cover available. Full details of Cover, Policy Warranties and Exclusions will be forwarded with your confirmation of booking. In any event you may ask for a specimen copy of the Policy Wording before booking should you wish to examine this in advance.

  3. Cover

    Sums insured up to

    Cancellation

    £3,500

    Missed Departure/Travel Delay

    £600/£60

    Personal Accident

    £15,000

    Medical and other Expenses

    including Curtailment

    £200,000

    Medical Inconvenience Benefit

    £450 (£15 per 24 hours)

    Personal Property/
    Loss of Passport

    £1,500/£200

    Personal Liability

    £200,000

    Delayed Baggage 

    £100

    Legal Expenses

    £25,000

    14 day Refund 

    Insurance Premium


  4. POLICY EXCESSES

    Cancellation, Curtailment, Holiday Abandonment and Loss of Deposit for holidays up to and including 3 days £NIL. For holidays over 3 days Loss of Deposit excess £10.00 each and every loss. For holidays over 3 days excess £35.00 each and every loss for Cancellation, Curtailment and Holiday Abandonment. Medical and Other Expenses, Personal Property and Money excess £30.00 each and every incident per Insured Person.

  5. IMPORTANT – HEALTH CONDITIONS

    If you are travelling in England, Scotland, Wales, Northern Ireland or the Isle of Man and can answer NO to questions 1, 2 and 3 immediately below, it will not be necessary for you to complete a Self Declaring Medical Form. The Standard Policy Terms, Conditions and Exclusions shall apply.

    It is a condition that at the time of taking out this policy and between that time and your departure you must comply with each of the following:

    1. You are not aware of any reason why the trip should be cancelled or cut short
    2. You are not travelling:
      1. against the advice of a medical practitioner
      2. for the purpose of obtaining medical treatment, or
      3. if you have been given a terminal prognosis
    3. You are not receiving or awaiting treatment for an illness or injury as a hospital day case or in-patient, as any claim arising from this injury or treatment will not be covered.
  6. In addition if you are travelling outside England, Scotland, Wales , Northern Ireland or the Isle of Man , the following additional conditions will apply

    You must notify the Issuer of this policy immediately of any of the conditions listed below arising between the date the policy is issued and the time of departure of the trip. For details on how to cancel your policy please see a full copy of our insurance which is available upon request.

    1. If you have received medical treatment as a hospital day case, inpatient or out-patient during the six months prior to the booking of the trip, you must obtain from a medical practitioner at your cost confirming that you will be fit enough to take the trip.
    2. if you are undergoing medical treatment as a hospital out-patient at the date the final balance of the trip is due to be paid, a certificate of fitness confirming your ability to travel must be obtained by you at your cost.
    3. If you are on medication at the time of travel your medical condition is stable and well controlled. The Policy contains the following General Exclusions: You are not covered for anything caused directly or indirectly by you suffering from stress, anxiety or depression unless it has been investigated and diagnosed as such by a Consultant specialising in the relevant field, who must confirm in writing at your cost that you are fit enough to take this trip. You must notify the issuer of this Policy immediately of any of the conditions listed above arising between the date the policy is issued and the time of departure of the trip.
  7. COOLING OFF PERIOD

    You should read your policy immediately to ensure it meets with your requirements. If for any reason it does not it must be returned to the issuer of the policy within 14 days of the date of issue or prior to travel which ever is the sooner. Your money will be refunded in full, provided no claims have been made or incident likely to give rise to a claim has arisen. If you cancel your policy after 14 days no refund will be given.
    Simonds of Botesdale Ltd T/A Simonds Coach & Travel 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.

  8. SIGNIFICANT EXCLUSIONS

    You or those named on this policy have not been a resident in the UK for the past 6-months? If you or anyone else named on this policy have not been a resident in the UK for the past 6-months this policy cannot cover you.

    You or those named on this policy have any pre-existing medical conditions?
    If you are travelling to destinations within England, Scotland, Wales, Northern Ireland or the Isle of Scilly then you need to need to consider your answers to the following questions:

    1. Will you or anyone else be travelling against the advice of your GP or the carrier, their handling agents or any other public transport provider?
    2. Have you or anyone else been given a terminal prognosis ?
    3. Will you or anyone else be on a waiting list, awaiting the results of tests or be aware of any surgery being required?
    4. Are you suffering from stress, anxiety or depression unless it has been investigated and diagnosed as such by a specialist in the relevant field?

    Please note if you have answered Yes to any of these questions the policy will not cover claims as a result of the condition or conditions causing your Yes answer(s). You do however have the option to still take out this policy on the understanding that it will not cover these condition(s).

    If you do have pre-existing medical conditions and are travelling to the Channel Islands, Eire, Europe or other Worldwide destinations you do have the opportunity to declare these to Towergate who may offer to cover these for an additional premium. It is your responsibility to ensure that you do not misrepresent when asked questions about your pre-existing medical conditions. Failure to answer all questions regarding pre-existing medical conditions honestly may result in any claim being declined.

    You can declare your pre-existing medical conditions by calling Towergate on 0844 8921698.

    If you intend to take part in any sports or hazardous activities not included in your Simonds of Botesdale Limited holiday please call Simonds of Botesdale Limited. They will contact Towergate on your behalf to confirm whether the policy can be extended to cover your planned activity or activities. Additional terms and premium may apply

    In addition to the above the policy also contains the following main exclusions:

    1. Any existing medical conditions unless they have been declared to (where appropriate) and accepted by the insurer.
    2. Your participation in any organised sports, winter sports or dangerous activities unless they have been declared to and accepted by the Insurer.
    3. Suicide or the wilful exposure to exceptional personal risk.
    4. Stress, anxiety or depression unless it has been diagnosed as such by a consultant or expert in that field.
    5. Travel against the advice of Simonds Coach & Travel, any other public transport provider, the Foreign Office or the World Health Organisation.
    6. Motorcycle travel during the insured trip where the engine size exceeds 125cc.
    7. Any manual work or hazardous occupation undertaken during the insured trip.
    8. The bankruptcy / liquidation of Simonds Coach & Travel, travel agent or transportation company

    A full copy of our Insurance is available upon request