Holiday Insurance | Rail Discoveries

Our Travel Insurance

When you book your holiday and venture abroad it's essential to have good quality travel insurance in place. Our travel insurance policy has been arranged exclusively for our customers and we have ensured you are covered for Covid-19 if you have to cancel your holiday because you've fallen ill with the disease or if you fall ill on holiday and need medical treatment or repatriation.

Our cover is provided through travel specialists ROCK Insurance Group and underwritten by Insurance Company Euroins AD. Great Rail Journeys Ltd is an appointed representative of LS Insurance Brokers, and all companies are authorised and regulated by the Financial Conduct Authority. Our registration number is 671295.

Here's a summary of our policy. The full terms and conditions can be found in the policy wording, a copy of which is available here. A copy of the Initial Disclosure Document is available here.

Insurance policy bought after 1st January 2022: View policy
Insurance policy bought after 26th September 2021: View policy
Insurance policy bought between 1st January 2021 and 26th September 2021: View policy

Premiums per person - for UK destinations

UK	18-59	60-64	65-74	75-79	80-84
Up to 6 days	£15.84	£21.12	£42.24	£63.36	£105.61
Up to 10 days	£20.88	£27.84	£55.69	£83.53	£139.22
Up to 15 days	£24.46	£32.62	£65.23	£97.85	£163.08
Up to 20 days	£30.62	£40.83	£81.66	£122.50	£204.16
Up to 25 days	£33.61	£44.44	£88.88	£133.33	n/a

Premiums per person - for European destinations

Europe	18-59	60-64	65-74	75-79	80-84
Up to 6 days	£18.77	£25.02	£50.04	£75.07	£125.11
Up to 10 days	£24.18	£32.24	£64.48	£96.73	£161.21
Up to 15 days	£28.54	£38.05	£76.10	£114.16	£190.26
Up to 20 days	£36.41	£48.55	£97.10	£145.65	£242.75
Up to 25 days	£39.46	£52.62	£105.23	£157.85	n/a

Premiums per person - Worldwide destinations

Worldwide destinations excluding North America (US, Canada & Caribbean)

Worldwide ex North America	18-59	60-64	65-74	75-79	80-84
Up to 6 days	£56.27	£75.02	£150.05	£225.07	£375.12
Up to 10 days	£69.81	£93.08	£186.15	£279.23	£465.38
Up to 15 days	£79.89	£106.52	£213.04	£319.56	£532.60
Up to 20 days	£98.13	£130.84	£261.67	£392.51	£654.18
Up to 25 days	£112.13	£149.51	£299.02	£448.53	n/a

Worldwide destinations including North America (US, Canada & Caribbean)

Worldwide	18-59	60-64	65-74	75-79	80-84
Up to 6 days	£84.37	£112.50	£224.99	£337.49	£562.48
Up to 10 days	£99.47	£132.62	£262.24	£397.86	£663.11
Up to 15 days	£113.53	£151.38	£302.75	£454.13	£756.89
Up to 20 days	£129.06	£172.08	£344.17	£516.25	£860.42
Up to 25 days	£151.97	£202.62	£405.25	£607.87	n/a

Premiums shown are based on the schedule of cover below. If your holiday value exceeds the schedule of cover in respect of cancellation, curtailment or abandonment, an increased premium will be quoted to cover you for your higher holiday value. You may choose to accept the standard schedule of cover at a reduced premium, but you should be aware this may not cover the full value of your holiday in the event of cancellation, curtailment or abandonment.

These premiums and cover levels are subject to change. Premiums are inclusive of Insurance Premium Tax at the current rate. Premium is based on age at date of departure.

Eligibility

To be eligible for this insurance you must be a permanent resident of the UK.

Significant or unusual exclusions and limitations

There are some situations which you are not covered for. These generally involve anything you already know about or that is caused by deliberate or careless acts on your part. Full details of these are given in the policy document, covered in the General Exclusions section.

Please also see the Important Notes set out below.

Significant features and benefits

Your policy includes the following benefits which are explained in detail in the policy document:

Cover Per person unless otherwise stated	Gold Cover
Cover Per person unless otherwise stated	Limit up to	Excess (per person per claim)
Cancellation or Curtailment	£5,000	£100
Emergency Medical and Repatriation Expenses*	Up to £10,000,000	£100
Hospital Benefit	£35 per day up to £400	Nil
Dental Treatment	£400	£100
Personal Possessions and Baggage	£3,000	£100
> Single Item Limit	£300
> Valuables Limit	£300
> Delayed Baggage	£30 per 12 hours to £350	Nil
Personal Money	£500	£100
>Cash Limit	£100	£100
Travel Delay - Benefit	£15 per 12 hours to £150	Nil
>Abandonment	£5,000	£100
Loss of Passport	£500	Nil
Missed Departure	£1,500	£100
Personal Accident
>Permanent Total Disablement **	£20,000	Nil
>Loss of limb(s) / Eye(s)**	£20,000	Nil
>Death	£20,000	Nil
>Death if the insured person is over 75	£2,500	Nil
Personal Liability	£2,000,000	£200
Legal Expenses	£25,000	£100
River Cruise Cover
Cabin Confinement	£50 per 24 hours up to £300	Nil
Itinerary change	£100 per port up to £300	Nil
Unused Excursions	£250	£100
Optional Winter Sports Cover
Ski Equipment (Owned)	£1,000	£100
>Single Item Limit	£500	£100
Ski Equipment Hired	£300	£100
Ski Hire	£300	Nil
Piste Closure	£40 per day to a maximum of £400	Nil
Avalanche or Landslide	£250	Nil
Optional Golf Cover
Golf Equipment	£3,000	£100
Single Article Limit	£500	£100
Non refundable golfing fees	£30 per day up to £300	Nil
Optional Cruise Pack
Missed Port Departure	£1,000	£100
Cabin Confinement	£100 per 24 hours up to £1000	Nil
Itinerary Change	£150 per port up to £450	Nil
Unused Excursions	£500	£100

*Emergency Medical and Repatriation Expenses - For travel to the United States of America we will only pay for necessary emergency medical treatment, surgical, hospital, ambulance and nursing fees and charges. This means costs that are incurred for approved, eligible medical services or suppliers up to 150% of the published medical rates for the same or similar treatment as payable by US Medicare.

**Only applicable if over 16 or under 75.

Limits stated are on a per claim basis and are not cumulative across the period of insurance, unless otherwise stated.

Duration of cover

This policy of insurance will run for the period shown on your Holiday Booking Invoice.

Your right to cancel

You have 14 days from the receipt of your documentation to cancel your policy if you feel it does not meet your requirements.

Customer Service - Making a complaint

Our aim at all times is to provide a first-class standard of service. If you feel this objective has not been met and wish to register a complaint, please contact us. Details are shown in the policy.

We are authorised and regulated by the Financial Conduct Authority Our Registration Number is 671295.

IMPORTANT NOTES

We would like to draw your attention to some important features of your insurance including:

Insurance document
You should read this document and the policy document carefully. It gives full details of what is and is not covered and the conditions of the cover, Cover can vary from one policy to another so you should familiarise yourself with this particular insurance.
Conditions and exclusions
Specific conditions and exclusions apply to individual sections of your insurance, whilst general exclusions and conditions will apply to the whole of your insurance.
Health
This insurance contains restrictions regarding pre-existing medical problems concerning the health of the people travelling and of other people upon whose health the trip depends. You are advised to read the document carefully.
Property Claims
These claims are paid based on the value of goods at the time you lose them and not on a 'new for old' replacement cost basis. Deductions will be made in respect of wear, tear and depreciation.
Limits
This insurance has limits on the amount the insurer will pay under each section. Some sections also include other specific limits, for example, for any one item or for valuables in total.
Excesses
Under some sections of this insurance, claims will be subject to an excess. This means each person will be responsible for paying the first part of their own claim under each applicable section.
Reasonable care
You need to take all reasonable care to protect yourself and your property, as you would if you were not insured. Any amounts the insurers will pay for property left unattended in a public place or unattended vehicle is very limited, as specified in the wording.
Sports and activities
You may not be insured if you are going to take part in sports or activities where there is a generally recognised risk of injury. Please check that this insurance covers you or ask us.
Customer service
We always try to provide a high level of service. However, if you think we have not lived up to your expectations, please refer to the wording in the policy which outlines our complaints procedure.
Cancellation rights
This insurance contains a 14 day 'cooling off' period during which you can return it and get a full refund, providing you have not travelled and there are no claims. We reserve the right to deduct from the rebate of premium the reasonable costs incurred in processing the original sale and cancellation. Please note cancellation rights do not apply if your contract is a short-term insurance of less than one month duration.
Fraudulent claims
It is a criminal offence to make a fraudulent claim.

Important questions relating to health & activities

EXISTING MEDICAL CONDITIONS

Your policies may not cover claims arising from your medical conditions. If you answer 'yes' to any of the questions below then you must declare the relevant conditions to us via the medical screening helpline +44 (0)1293 855970. So that we can ensure you are provided with the best cover we can offer please read and answer the following questions carefully and accurately: Please see below for policy definition of Existing Medical Condition

Please consider these questions very carefully in relation to yourself and your travelling companions insured by us.

An insurance policy can only provide cover in respect of an event/occurrence which is sudden, unforeseen and beyond Your reasonable control. Any facts known to You, which could possibly result in you having to make a claim, must be disclosed to Us otherwise You may not be covered. In addition, anyone named under the policy must have read and understood the following relating to Pre-Existing Medical Conditions:

Medical Decision Tree 2022

Information you need to tell us

There is certain information that we need to know as it may affect the terms of the insurance cover we can offer you. You must, to the best of your knowledge, give accurate answers to the questions we ask when you buy your travel insurance policy. If you do not answer the questions truthfully it could result in your policy being invalid and could mean that all or part of a claim may not be paid. If you think you may have given us any incorrect answers or if you want any help, please contact the medical screening team on +44(0)1293 855970  and we will be able to tell you if we can still offer you cover.

In deciding to accept this insurance and in setting the terms and premium, We have relied on the information You have given Us.

You must take reasonable care to provide complete and accurate answers to the questions We ask when You take out and make changes to Your policy.

If the information provided by you is not complete and accurate:

We may cancel Your policy and refuse to pay any claim, or
We may not pay any claim in full, or
We may revise the premium and/or change any excess, or
The extent of cover may be affected.