Travel Insurance

It is a condition of booking with Roadmark Travel that you are covered by Travel Insurance for any UK or European holiday.

There is a wide range of providers to choose from and you do not have to take the insurance offered by Roadmark.

Roadmark Travel Limited is an Appointed Representative of Arthur J.Gallagher Insurance Brokers Ltd., which is authorised and regulated by the Financial Conduct Authority.  Registered Office: Spectrum Building, 7^th Floor, 55 Blytheswood Street, Glasgow G2 7AT.  Registered in Scotland, Company Number: SC108909.

The insurance premium is shown next to the price of each holiday listed in our brochure and on the website, and includes Insurance Premium Tax at the prevailing rate (currently 20%).

A summary of the cover is shown here, and a full policy document can be inspected at our office. Roadmark Travel does not provide advice or recommendation as to whether the policy meets your own specific requirements.

We only offer travel insurance (Coach Holiday Travel Insurance) from a single insurer – Europaische Reiseversicherung AG (ERV). This travel insurance is suitable for those who wish to insure themselves when travelling against the specified financial loss of unforeseen circumstances and events relating to your trip. A list of the covers and corresponding limits can be found here. This summary provides only a brief guide to your Travel Insurance cover and exclusions. It does not contain the full terms and conditions of the policy, which can be found in the policy document. We have not provided you with any recommendation or advice about whether this product meets your specific insurance requirements. It is your responsibility to decide whether this policy suits your needs.

Important Notice - Information we need to know about

You must take reasonable care to provide complete and accurate answers to the questions we ask. You should be aware that if the information provided by you is not complete and accurate, your insurer may; cancel your policy and refuse to pay any claim, or not pay any claim in full, or revise the premium and/or change any excess, or revise the extent of cover or terms of this insurance. We recommend that you keep a record (including copies of letters) of all the information you provide to us for your future reference. We also draw your attention to any conditions, limitations, exclusions and excesses within the policy wording.

SIGNIFICANT EXCLUSION

If your medical condition cannot comply with the following terms then any claim related to that medical condition will not be covered:

For UK Travel (England, Scotland, Wales, Northern Ireland, Isle of Man or Scilly Isles). You DO NOT need to delcare your medical conditions; however you must comply with the following:

1. You are not aware of any reason why the trip could be cancelled or cut short

2. You are not travelling: (a) against the advice of a medical practitioner (b) for the purpose of obtaining medical treatment (c) if you have been given a terminal prognosis.

3. You are not receiving or awaiting tests, treatment or investigations for any illness or injury as a hospital day case or inpatient. Any claim arising from this illness or injury will not be covered.

4. If you are on medication at the time of travel your medical condition must be stable and well controlled.

5. You must notify Medical Screening immediately of any change in your medical circumstances between the policy issue date and time of departure.

For EU Travel (including The Channel Islands); the traveller MUST inform ERV via the health check phone line on

01403 288 423 if they or any person upon whose health the trip depends:

1. Has any existing or on-going medical condition(s).

2. Is taking any prescribed medication.

3. Has or has had any medical condition(s) still requiring periodic review.

4. Is awaiting any tests, treatment, investigation, referral or the results of these.

5. You must notify Medical Screening immediately of any change in your medical circumstances between the policy issue date and time of departure.

Cancellation Rights

If you decide to purchase Roadmark’s Travel Insurance and pay the relevant premium we will send you a policy document. If you decide that the cover does not meet your requirements you may return the policy document to us within 14 days and we will refund the premium paid providing you have not travelled, no claim has been made or is intended to be made and no incident likely to give rise to a claim has occurred. If you cancel your holiday for any reason after the 14-day period, the insurance premium is non-refundable.

Claims

Full details of how to make a claim and how to appeal should your claim not be successful can be found in the policy document.

Complaints

Should you have a complaint about the sale of your travel insurance policy, please contact The Travel Manager, Arthur J. Gallagher Insurance Brokers Limited, 6th Floor, Temple Circus House, Temple Way, Bristol, BS1 6HG. Should you remain unhappy with our final reply, you may have the right to refer your complaint to The Financial Ombudsman Service, Exchange Tower, London E14 9SR.

Financial Services Compensation Scheme (FSCS)

You may be entitled to compensation from the Financial Services Compensation Scheme (“FSCS”) should we be unable to meet our obligations and subject to eligibility. Details of the circumstances in which you can make a claim, and instructions on how to do so, can be found on the FSCS website - http://www.fscs.org.uk/

If you are not covered by the Coach Holiday Travel Insurance Scheme you must provide details of your own alternative insurance cover, for which there is a space on the booking form.