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Cancellation and Travel Insurance

We feel that it is essential to have good quality travel insurance in place whenever you venture abroad. We have arranged this unique policy exclusively for clients of Rail Discoveries through travel specialists Travel & General Insurance Services Limited and underwritten by UK General Insurance Limited on behalf of Great Lakes Reinsurance (UK) SE. Great Rail Journeys Ltd is an appointed representative of Travel & General Insurance Services Ltd, and all companies are authorised and regulated by the Financial Conduct Authority. Our registration number is 671295. This policy summary does not contain the full terms and conditions of the cover. Full terms and conditions can be found in the policy wording, a copy of which is available here.

Premiums per person - UK destinations

Duration Age 16-64  Age 65-69  Age 70-74  Age 75-79 
Up to 6 days  £11.00 £19.50 £20.50 £30.50
Up to 10 days  £20.00 £36.00 £37.50 £56.50
Up to 15 days £23.50 £42.00 £44.00 £66.00
Up to 20 days £24.50 £43.50 £45.50 £68.00
Extra weeks £7.00 £13.00 £13.50 £20.50

Premiums per person - European destinations

Duration Age 16-64  Age 65-69  Age 70-74  Age 75-79 
Up to 6 days  £23.50 £42.000 £44.00 £66.00
Up to 10 days  £44.50 £80.00 £83.50 £125.50
Up to 15 days £50.00 £89.50 £94.00 £141.00
Up to 20 days £51.50 £92.50 £97.00 £145.00
Extra weeks £15.50 £27.50 £29.00 £43.50

Premiums per person - Worldwide destinations

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

Duration Age 16-64  Age 65-69  Age 70-74  Age 75-79 
Up to 11 days  £74.50 £154.50 £162.00 £244.50
Up to 18 days  £81.00 £168.50 £176.00 £263.50
Up to 25 days £98.50 £206.00 £218.50 £326.00
Extra weeks £26.00 £55.00 £57.50 £87.50

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

Duration Age 16-64  Age 65-69  Age 70-74  Age 75-79 
Up to 11 days  £91.00 £188.50 £198.50 £296.00
Up to 18 days  £98.50 £203.50 £213.50 £321.00
Up to 25 days £118.50 £248.50 £258.50 £388.50
Extra weeks £33.50 £68.50 £71.00 £106.00

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

These premiums and cover levels are valid at the time of the brochure going to press but could be subject to change after the date of publication. Premiums inclusive of Insurance Premium Tax at the current rate. Premium is based on age at date of departure. Maximum age at date of departure is 79 - alternative cover for persons aged 80 may be arranged by telephoning Goodtogo on 0330 024 9952.


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

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. 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:


Limits of Cover


1. Cancellation, curtailment

UK/Europe £2,500*
Worldwide £5,000*


2. Medical expenses

£10,000,000 £150/£250**

3. Hospital stay benefit (per day)

£1,000 (£50)


4. Personal accident -
loss of sight, limb(s) or permanent total disablement
maximum payable in the event of death



5. Travel delay (a) after 12 hrs delay     (b) each 12 hrs thereafter  (c) max

Cancellation due to delayed departure (after 12 hrs)

(a) £50 (b) £50 (c) £250

UK/Europe £2,500*
Worldwide £5,000*



6. Missed departure 



7. Personal effects
Overall limit
Maximum per item, pair or set
Total limit for all valuables
Temporary loss of baggage




8. Personal money
Cash limit



9. Loss of passport



10. Personal liability



11. Legal expenses



12. Hijack (amount per day) £5,000 (£250) Nil

13. Mugging (amount per day as an inpatient)

£500 (£50)


14. Rail cover -
Unused pre-booked excursions    
Unattended baggage
Extended travel delay (a) after 3 hours
Extended travel delay (b) after 6 hours



15. Sea and river cruise cover -
Cabin confinement (per day)
Unused pre-booked excursions
Cruise itinerary change (per port)

£500 (£25)
£300 (£100)


*Limit may be increased subject to additional premium **£150 for 64 years and under / £250 for 65 or 65+ years  ***Loss of deposit excess is £25

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 achieved 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 488024.


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

  1. Insurance document
    You should read this 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
  6. 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.
  7. 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.
  8. 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.
  9. 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.
  10. 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.
  11. Fraudulent claims
    It is a criminal offence to make a fraudulent claim.


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:

Pre-existing conditions

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 Healthcheck on 0844 8262719 as soon as possible and we will be able to tell you if we can still offer you cover.

Please note
You are not covered for any directly or indirectly related claims if at the time this insurance was arranged and each time you make arrangements for a trip:

  • you or your travelling companions are planning to travel against the advice of a medical practitioner, or
  • you or your travelling companions are travelling specifically to seek, or you know you will need, medical treatment while you are away, or
  • you or your travelling companions are on a waiting list for treatment or investigation, or
  • you, your travelling companions or any non-travellers have been given a terminal diagnosis.

Definition of pre-existing medical condition:
Any condition that has required referral to or consultation with a specialist clinic or hospital for treatment, tests or investigation within the 12 months prior to:

1. the date that this insurance was arranged, or
2. the date that you subsequently made arrangements for a trip (if this is an annual multi-trip policy), or
3. the date that you extended the original period of insurance, whichever is the latest.

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