TRAVEL INSURANCE

Working with our Principal, Global Travel Insurance Services Ltd, we are happy to provide you with a specially designed holiday insurance policy with which is suitable for any of the holidays that we offer. We summarise below the details of the insurance cover provided which also includes 24-hour emergency service. The following is a summary of the cover available.

 

STATUS DISCLOSURE

Northern Star Travel Ltd t/a Northern Star Travel & JWT Pilgrimages is an Appointed Representative of Global Travel Insurance Services Ltd who is authorised and regulated by the Financial Conduct Authority (firm reference 305686) being permitted to advise and arrange general insurance contracts. Our status can be checked on the Financial Conduct Authority Register by visiting www.fca.org.uk or calling 0845 606 9966. This policy is underwritten by AWP P&C SA and is administered in the UK by Allianz Assistance which is a trading name of AWP Assistance UK Limited, AWP Assistance UK Limited is authorised and regulated by the Financial Conduct Authority. AWP P&C SA is duly authorised in France and the United Kingdom and subject to limited regulation by the Prudential Regulation Authority and the Financial Conduct Authority. Remuneration Statement The Premiums paid include a commission, the value of which may vary and is deducted by us from the amount that you pay before the balance is paid to the insurance company.

 

DEMANDS AND NEEDS

This insurance policy is typically suitable for travel customers who wish to insure themselves for medical emergencies, delayed or missed departures, cancellation, interruptions, lost, stolen or delayed possessions, personal accident and personal liability. The levels of cover may vary depending on where you travel (whether in your country of residence or abroad). Travel insurance does not cover everything. You should read this policy wording document carefully to make sure it provides the cover you need. You may already possess alternative travel insurance for some or all of the features and benefits provided by this Travel Insurance policy. It is your responsibility to investigate this. We and Global Travel Insurance Services Limited have not provided you with any recommendation or advice about whether this product meets your specific insurance requirements.

 

COOLING OFF PERIOD

Once purchased you may tell us if your policy does not meet your requirements. If you cancel within 14-days of the receipt of your documentation and you have not started a trip or made or intend to make a claim, we will give you a full refund. Following this 14-days period, you continue to have the right to cancel your policy at any time by contacting us. If the notice of cancellation is received outside of the 14-days cooling-off period, no premium will be refunded.

 

RESIDENCY

The cover under this policy is only available to United Kingdom residents. You must have your primary residence in and be registered with a doctor in the UK, the Channel Islands or the Isle of Man; and have not spent more than three months abroad during the 12 months before this policy was issued or your trip was booked (whichever is later).

 

HEALTH CONDITIONS

This policy may not provide cover for pre-existing medical conditions, so it is important that you review and respond to the questions contained in the Health Conditions Section of the Policy to have the full protection of your policy. Please open the link below. 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.

 

Our Health Conditions document can be downloaded Here

 

CHANGE IN MEDICAL CIRCUMSTANCES AFTER THE DATE THE POLICY IS ISSUED

If your health changes after taking out this policy and before your trip, you do not need to tell us about the changes, as long as your doctor has confirmed that you are fit to travel. Medical condition(s) that you declared, which we are able to cover, are shown in the ‘Medical Screening Declaration’ that we will send to you. You need to check this information carefully and contact us if there is anything wrong or if you need to declare any other conditions. Please let us know within 14 days and be aware that any changes to the original declaration, particularly if declaring another medical condition, could affect our decision to cover you, or may mean an extra premium has to be paid. Based on any extra medical information you provide, we will confirm if cover can be offered for your declared medical condition(s), and/or if an extra premium needs to be paid. If an extra premium is required, cover will not start until this has been paid and we have issued written confirmation.

 

PRODUCT DETAILS

We summarise below the details of the insurance cover provided which also includes 24-hour emergency service from Allianz Assistance. A summary of the cover is detailed below. Full details of the key benefits, conditions and exclusions will be included in the Policy Documents, Table of Benefits and Insurance Product Information Document (IPID), copies of which are available by clicking on the following links.

 

The IPID document can be downloaded here

The Table of Benefits document can be downloaded here

The Full Policy Document can be downloaded here

 

A full set of Policy Documents will be issued to you with your confirmation of booking, upon which will state the Premium paid and the start and end dates of the insurance. The following represents some of the key features of the policy and main exclusions together with the relevant excess or deductible that applies to claims, whilst the Table Of Benefits document (above link) provides a full list of the cover provided.

 

Emergency Medical & Repatriation Expenses Limit £5,000,000 Excess £75

Cancellation & Curtailment Limit £2,000 Excess £75

Personal Possessions & Money Limit £2,000 (Money £250)  Excess £75

 

Significant Exclusions & Conditions 1. Cover cannot be purchased once a trip has already begun. 2. The excess amount deductible from a claim applies to each claim, per incident claimed for, by each insured person. 3. You must notify the local Police within 24 hours of discovery of any loss or theft of possessions or money. 4. You must ensure that you have had any recommended inoculations, vaccines.

 

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 Money and Pensions Service travel directory at: https://traveldirectory.moneyadviceservice.org.uk/en or by calling 0800 138 777 (Open Monday to Friday, 8am to 6pm).