If you have purchased travel insurance already, please log in to view your policy information in the customer
To help with peace of mind on your holiday you may purchase travel insurance. We are a provider of travel insurance
and this can easily be added to your booking.
For full insurance details for holidays to the UK and Ireland refer to the
This policy is underwritten by ERGO Travel Insurance Services Ltd on behalf of Great Lakes Insurance UK
Limited. Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company
number 13436330 and whose registered office address is 10 Fenchurch Avenue, London, United Kingdom,
EC3M 5BN. Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number
955859. You can check this on the Financial Services Register by visiting: https://register.fca.org.uk
ERGO Travel Insurance Services Ltd (ETI) is registered in England and Wales, company number 11091555.
Authorised and regulated by the FCA, register number 805870 and registered office: 10 Fenchurch Avenue,
London, EC3M 5BN.
Should you wish to take out this holiday insurance policy please include the appropriate premium when
booking your holiday.
This insurance policy will suit the demands and needs of an individual or group (where applicable) who have
no excluded pre-existing medical conditions, are travelling in countries included within the policy terms and
who wish to insure themselves against unforeseen events detailed in the cover section below. Subject to the
terms, conditions and maximum specified sums insured.
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 24-hour emergency
service from Towergate Assistance. A summary of the cover is detailed below. Full details of the key benefits,
conditions and exclusions will be included in the Policy Booklet, Table of Benefits and Insurance Product
Information Document (IPID), copies of which will be sent to you with your confirmation of booking. In any
event you may ask for specimen copies of the policy wording before booking should you wish to examine this
The cover under this policy is only available to United Kingdom residents being defined as: Any person who has
an address in the United Kingdom, has lived in the United Kingdom for at least 6 of the last 12 months, and is
registered with a General Practitioner in the United Kingdom.
This policy may not provide cover for pre-existing medical conditions, so it is important that you review and
respond to the questions below in order to have the full protection of your policy. 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.
If you are travelling within the United Kingdom you are not required to declare your medical conditions.
However to be covered for any medical conditions you have or have had, you must be able to answer NO to
questions 1. to 4. and YES to questions 5. and 6. a) and b) below:
If you are travelling outside of the United Kingdom You must telephone MediScreen on 0344 892 1698 if anyone to be
covered by this policy, or any person upon whose health the trip depends:
MediScreen's office hours are 9am to 5pm Monday to Thursday and 9am to 4pm Friday excluding Bank Holidays.
Important note: this applies to all destinations, including trips solely within the United
You must also notify MediScreen immediately on 0344 892 1698 if there is any change in your medical
circumstances between the date you first purchased your insurance policy and the date your holiday is due to
begin. 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. If we can extend cover, we may charge an additional premium for doing so.
If your trip is solely within the United Kingdom then you must obtain confirmation from your medical
practitioner that you are fit enough to take the trip and this must be noted on your medical records so that in
the event of a claim you are able to provide this evidence if required by us. Failure to do so may invalidate your
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).
Please tell us immediately 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.
Sykes Cottages Limited is an appointed representatives 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 as an intermediary.
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