InsuredToTravel.co.uk Great value travel insurance.

CLICK HERE FOR CORONAVIRUS INFORMATION

This policy includes:

Insurance Premium Tax (at current rate)

14 days money back guarantee

No credit or debit card fees

UK based customer services

UK based claims company

UK based medical assistance company

Our travel insurance policies offer great cover and good value for money and include:

Schedule Airline Failure, End Supplier Failure and Travel Disruption Cover (Force Majeure)

Medical and Emergency Cover up to £10,000,000

Cancellation up to £6,000 (£15,000 for additional premium)

Cruise holidays up to £6,000 cancellation cover (can be increased to £15,000 for Additional Premium)
N.B. If your cruise costs over £ 15,000 per person please select cruise icon above for separate quote

Collision Damage Waiver is not part of the Travel Insurance policies shown above.

Our policies are underwritten by some of the largest insurance companies (who are authorised by the Financial Conduct Authority) to give you confidence. All our policies are arranged by All Seasons Underwriting Agencies Ltd (who are authorised and regulated by the Financial Conduct Authority) FCA No. 308488.

Introduction

All Seasons Underwriting Agencies Ltd (ASUA) is a privately owned company and was founded in March 1997. Since then it has managed the portfolio of travel insurance business providing schemes for travel agents and tour operators.

In November 2004 ASUA was granted permission by the Financial Conduct Authority to transact regulatory business. ASUA was granted its FCA European Union (E.U.) passport authority for all member states of the E.U. in 2008. ASUA is also a member of the Travel Underwriters Group.

ASUA is authorised and regulated by the Financial Conduct Authority No. 308488. To search the register click here

Over the years we have developed a wide range of products to cover most requirements of the traveller so if you have a specific need please do not hesitate to contact us.

The Financial Conduct Authority (FCA) is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you.

Our Service and Your Demands and Needs
You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed. We aim to treat our customers fairly at all times. If you are unsure about any aspect of our Terms of Business or have any questions regarding our relationship with you, please contact us.

Our travel insurance products are intended to meet the demands and needs of individuals who require insurance protection for unforeseen risks relating to travel and are travelling to countries included within the policy terms. We have a range of travel insurance policies with variable sections of cover, excesses and sums insured. These include single trip and annual multi trip insurances. IMPORTANT - This policy will have been sold to you on a non-advised basis and it is therefore for you to read this information (paying particular attention to the terms and conditions and exclusions detailed in the policy wording issued to you) and ensure that it meets all of your requirements. You may already possess alternative insurance(s) for some or all of the features and benefits provided by our products; it is your responsibility to investigate this and to ensure the level of benefits available are suitable for your needs.

Insurers
We work with insurers who are best suited to our requirements and we will not search the market for alternative suppliers on your behalf. No insurer owns any of our share capital.

Documentation
Your policy documents will usually be given to you or sent to you by email and these should be printed out and carried with you whilst you are travelling. You may also request that these be sent to you by post. Our aim is to provide all correspondence in a simple and understandable format. It is important that you read all insurance documents issued to you and ensure that you are aware of the cover, limits, claim procedure and other terms that apply. Particular attention must be paid to any special conditions as failure to comply with them could invalidate your policy. In the event of any remaining areas of uncertainty, please contact us. Our staff are always happy to clarify the cover provided as we want to make it easy for you to do business with us.

All Seasons Underwriting Agencies Ltd recommend that clients retain all relevant paperwork to their insurance, as this may be useful for future reference.

Payment
We provide our clients with a quotation before insurance arrangements are concluded. This will tell you the total price inclusive of any fees, taxes or charges.

Handling Money
Insurers have appointed us on a “Risk Transfer” basis to act as their agents in collecting premiums and handling refunds due to clients. In these circumstances such monies are deemed to be held by the insurer(s) with whom your insurance is arranged.

Remuneration and other Earnings
We receive remuneration for our services in a number of ways, usually by receiving a percentage of the insurance premium. We may also earn interest in the processing and collection of premiums and any such interest is to the account of All Seasons Underwriting Agencies Ltd.

Cancellation of insurance and refunds
If the insurance does not meet with your requirements, you may return the documents to us within 14 days of purchase, or prior to travel if this is sooner, and provided no claims have been made a refund will be given. No refund is given for cancellation after this period, nor is any refund given for early return.

Conflict of interests
Occasions may arise where we, one of our associated companies, clients, or insurers may have a potential conflict of interest with business being transacted for you. If this happens, and we become aware that a potential conflict exists, we will write to you and obtain your consent before we carry out your instructions and will detail the steps we will take to ensure fair treatment.

Confidentiality
All information provided by our clients is considered to be confidential and is only disclosed in the normal course of negotiation and maintenance of insurance transactions undertaken on their behalf. All Seasons Underwriting Agencies Ltd will not release information to any other party without the prior consent of the client except in exceptional circumstances. For example, information requested by a court of competent jurisdiction, a regulatory body or information which is already in the public domain.

Use of Personal data
Subject to certain exceptions, you will be entitled to have access to your personal and sensitive personal data for which you will be charged a fee of £10. If at any time you wish us, or any company associated with us, to cease possessing any of the personal data we hold, or to cease contacting you about products and services, please write to our Compliance Officer.

Claims
Whilst we are happy to provide general information, All Seasons Underwriting Agencies Ltd do not administer claims. It is therefore essential that you follow the claims procedure and contact the Claims Department without delay, directly at the telephone number detailed in your policy document.

Complaints
In the event that our service does not meet your expectations, we ask you to make a complaint to us by contacting our Compliance Officer, either by phone or in writing. We will acknowledge your complaint promptly, explain how we will handle it, and tell you what you need to do. We will keep you informed of the progress of your complaint.

If you wish to register a complaint, please contact us in writing at:

All Seasons Underwriting Agencies Ltd, Alpi House, Suite 2, East Wing, 2nd Floor, Miles Gray Road, Basildon, Essex SS14 3HJ

Or by Telephone on: 0203 327 0555.

We will handle your complaint fairly and as part of our Quality Procedures, we will use it to maintain and improve our service. Should you remain dissatisfied you may have the right to refer the matter to the Financial Ombudsman Service (FOS). Your insurance policy contains the full complaints procedure. A copy of the full complaints procedure is available from us.

Financial Conduct Compensation Scheme
All Seasons Underwriting Agencies Ltd contribute to the Financial Conduct Compensation Scheme, which may entitle you to compensation if we cannot meet our liabilities.

Utmost good faith and duty of disclosure
The law imposes onerous duties upon anyone entering into an insurance contract and anyone acting on his behalf. For example the proposer has a duty to disclose all facts or circumstances that may influence the underwriter in deciding whether to accept the insurance, impose special terms, or charge an increased premium. This duty arises not only at inception of the contract, but also at renewal or in the event of any significant change in the risk during the period of insurance. Similarly the duty also applies to the submission and substantiation of all claims. This information must always be disclosed to insurers. A proposal or claim form, or any other document or method of application must be answered fully and accurately. The provision and documentation of this information is the sole responsibility of the insured.

Ending your relationship with us
Subject to your immediate settlement of any outstanding premiums and fees, you may instruct us to stop acting for you and we will not impose any penalty. Your instructions must be given in writing and will take effect or the date of receipt.

In circumstances where we feel we cannot continue providing services to you, we will give you a minimum of 7 days’ notice.

Unless otherwise agreed in writing, if our relationship ends, any transactions previously initiated will be completed according to these Terms of Business. You will be liable to pay for any transactions concluded prior to the end of our relationship and we will be entitled to retain commission received for conducting these transactions, together with all fees charged by us for our services.

Sign Posting
There may be instances where we are unable to provide you with the insurance that best suits your requirements such as certain age groups or cover for certain Medical Conditions.

Whilst we are unable to advise you or recommend any one particular company, you can compare the prices and levels of cover offered by alternative insurance providers to enable you to make your own informed decisions as to the suitability that is right for you.

We must remind you of your duty to disclose all information that might influence Insurers assessment of your risk and that failure to do so may entitle insurers to void all cover or claims.

Below are just a few alternative companies which you may wish to look at:

All Clear Options	Tel: 0808 281 1980	Web: allcleartravel.co.uk
Sun Selection	Tel: 0330 024 9317	Web: sunselection.co.uk
Travel Insurance Medical	Tel: 0808 281 9207	Web: travelinsurancemedical.co.uk
Staysure	Tel: 0808 281 9207	Web: staysure.co.uk
Medisafe Insurance	Tel: 0330 024 9817	Web: medisafeinsurance.com

Which countries can I travel to and what are classed as European or Worldwide?

You can find a full list of countries by clicking on the tab marked “DESTINATIONS”

What is an Excess?

An excess is an amount payable by you for each claim that is made. The Excess is applied per person and per claim. Please see your schedule of cover and Policy Wording for more details.

Can the excess be removed?

Yes! If you pay an additional fee you can waive the excess. Therefore, you would not have to pay anything in the event claim unless it was related to a pre-existing medical condition which incurred an increase of the excess amount.

Do you provide winter sports cover?

Yes we do provide winter sports cover for an additional premium. For annual multi-trip policies, winter sports cover is only provided for a maximum of 17 days during the 12 month period. Please see our Policy Wording for further information regarding winter sports cover.

What’s the maximum cc I can ride a motorcycle?

As long as the appropriate licence is held, our Hazardous Pursuits section – Grade 1 will cover you up to 50cc as standard providing a crash helmet is worn and no racing. For an additional premium, as long as the appropriate licence is held, our Hazardous Pursuit section – Grade 3 will cover you up to 125cc providing a crash helmet is worn and no racing. However, there is no Public Liability cover or cover for the motorbike itself. Please see the tab marked “HAZARDOUS PURSUITS” for full details

Do you cover scuba diving?

Yes, scuba diving is covered under all out policies but the depth cover will vary. You can increase the depth limit by paying an additional premium but you must hold the relevant recognised qualification to do so. See tab marked “POLICY INFO” for more details.

Are children covered to travel alone?

Yes, but they will be charged the adult rate.

Can I travel separately on an annual multi-trip policy?

Yes, two adults on an annual multi-trip policy may travel separately but if there are any children named on the policy they must travel with an insured adult named on the policy.

How long can I stay away on an annual multi-trip policy?

You can travel up to 17, 31 or 45 days on an annual multi-trip policy.

How often can I travel on an annual multi-trip policy?

It is unlimited, you can travel as many times as you want within the 12 months.

Do I have to tell you every time I travel on an annual multi-trip policy?

No, you do not need to inform us when you travel unless there is a change of circumstances, eg: new medical conditions which have occurred since you first purchased the policy.

What do I do if my money or possessions are stolen whilst I'm away?

The first thing to do is obtain a police report, you should do this within 24 hours. You should then contact our claims line on your return to the UK.

What is IPT?

IPT is a Government Tax, standing for Insurance Premium Tax. It is included in all our prices at the rate of 20%.

Do I need to fill out lots of forms to buy a policy?

You can buy your policy online in a few quick and easy steps. There are no long forms or anything to post.

Do I need my documents when I am away?

You should always take your documents with you while you are travelling so you have all the emergency numbers and information with you. Always make sure you have at least a note of your policy number and emergency numbers.

What do I do if I have an emergency abroad?

If you have an accident or need medical attention while you are away, either you or the hospital treating you should contact the Emergency Helpline. The Emergency Helpline will confirm your cover and handle all negotiations on your behalf.

I am not on a package, I have made my own travelling arrangements. Can I still be covered?

Yes, it does not matter what your travel arrangements are.

Is the cover per person or per policy?

All the prices quoted are per policy and the cover levels are per person.

Do I have to declare my pre-existing medical condition?

It is always better to call the Medical Screening team as failure to declare a pre-existing condition could invalidate parts of your policy.

Can I be repatriated back to the UK?

Yes, it’s covered under the medical expenses section of the policy as long as it’s deemed medically necessary.

What happens if I have to cancel my trip due to health?

Our policy covers cancellation due to illness as standard subject to terms and conditions.

Do you cover pre-existing medical conditions?

Please see our Policy Wording for a list of medical conditions covered as standard. If your condition is not listed please call our medical screening team or call us if you are unsure.

Should I take an EHIC (E111) with me when I travel?

It is strongly recommended that if you are travelling to an EU country you take an EHIC. It may help towards some medical costs. Please note however, that the EHIC has limited cover.

How do I obtain a European Health Insurance Card (EHIC)?

You can obtain an EHIC either from your local Post Office or apply online at www.dh.gov.uk/travellers

Are we covered by our travel insurance if we wanted to drive while abroad?

You will be covered whilst driving abroad but this insurance will not cover any damage to the motor vehicle. You will need to obtain separate insurance to cover the motor vehicle.

Can I cancel my travel insurance?

We provide a 14 day cooling off period once you have purchased your policy, in which time you can cancel for a full refund if you are not satisfied with the terms and conditions of the policy. There will be no refund after this period.

Sign Posting

There may be instances where we are unable to provide you with the insurance that best suits your requirements such as certain age groups or cover for certain Medical Conditions.

Whilst we are unable to advise you or recommend any one particular company, you can compare the prices and levels of cover offered by alternative insurance providers to enable you to make your own informed decisions as to the suitability that is right for you.

We must remind you of your duty to disclose all information that might influence Insurers assessment of your risk and that failure to do so may entitle insurers to void all cover or claims.

Below are just a few alternative companies which you may wish to look at:

All Clear Options	Tel: 0808 281 1980	Web: allcleartravel.co.uk
Sun Selection	Tel: 0330 024 9317	Web: sunselection.co.uk
Travel Insurance Medical	Tel: 0808 281 9207	Web: travelinsurancemedical.co.uk
Staysure	Tel: 0808 281 9207	Web: staysure.co.uk
Medisafe Insurance	Tel: 0330 024 9817	Web: medisafeinsurance.com

Travel Advice by country

The Foreign & Commonwealth Office’s (FCO) Travel Advice Notices provides up to date information for British Travellers so that they are well prepared before they travel to their intended destination. This website is also useful for information, for example, getting married abroad or anyone who has specific concerns about travelling to various countries.

To check the latest FCO advice, click here

Know Before You Go Campaign

Know Before You Go (KBYG) is an ongoing information site to help you stay safe and healthy abroad.

To check the latest FCO advice, click here

European Health Insurance Card

(formerly known as E111 – and this is free of charge)

The European Health Insurance Card (EHIC) allows you state-provided healthcare in all European Economic Area (EEA) countries and Switzerland at a reduced cost or sometimes free of charge.

To find our more detail on the EHIC, click here