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Travel Insurance

We’ve got you covered!

We are an appointed insurance agent for Wrightsure Insurance and can add insurance to your booking - please ask your holiday adviser when you book for details.

At Leger, we always do everything we can to ensure your holiday runs as smoothly as possible from start to finish. However, we strongly recommend you take out a holiday insurance policy to provide you with financial protection and cover you for any unfortunate happenings that may occur.

Our client holiday travel insurance scheme is available to eligible passengers travelling on our holidays which is arranged by Wrightsure Services (Hampshire) Limited and underwritten by ERGO Travel Insurance Services Ltd (ETI) on behalf of Great Lakes Insurance UK Limited (GLUK). 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. ERGO Travel Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority, register number 805870 and registered office: 10 Fenchurch Avenue, London, EC3M 5BN. Details about the extent of GLUK’s authorisation and regulation by the Prudential Regulation Authority, and regulation by the Financial Conduct Authority are available upon request.

This insurance is available only to residents of the United Kingdom who purchase cover before they travel.

Wrightsure Services (Hampshire) Ltd is authorised and regulated by the Financial Conduct Authority (their registration number is 311394) and is permitted to advise on and arrange general insurance contracts.

Should you wish to take out this travel insurance please include the appropriate premium when booking your holiday.

DEMANDS AND NEEDS

This insurance policy will suit the demands and needs of an individual or group (where applicable) who have no excluded medical condition(s), are travelling in countries included within the policy terms and who wish to insure themselves against unforeseen circumstances/events detailed in the cover section below. Subject to the terms, conditions and maximum specified sums insured.

IMPORTANT

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.

SUMMARY OF COVER

The following is a brief summary of the cover available. PLEASE SEE THE POLICY WORDING FOR FULL DETAILS OF THE COVER, LIMITATIONS AND EXCESSES.

Cover Sum Insured Excess
1. Emergency medical and repatriation expenses £5,000,000 £75 UK, Isle of Man, Channel Islands & Europe. £250 Worldwide.
UK trip limit £2,500 £75
Hospital confinement benefit (UK) £10 per 24 hours up to £100 Nil
Hospital confinement benefit (Outside UK) £15 per 24 hours up to £500 Nil
Mugging £50 per 24 hours up to £500 Nil
Emergency dental treatment £250 £75
Additional travel and accommodation expenses £1,000 Nil
Funeral or cremation expenses abroad £5,000 £75
Overnight Subsistence £25 per person, per night up to £200 Nil
UK prescriptions £50 Nil
UK physiotherapy and chiropractic care £300 Nil
2. Cancellation £5,000 UK, Isle of Man, Channel Islands & Europe. £10,000 Worldwide. Holidays 3 days duration or less Nil. Holidays 4 days duration and over £75 (£15 in respect of Loss of Deposit).
3. Curtailment and loss of holiday £5,000 UK, Isle of Man, Channel Islands & Europe. £10,000 Worldwide. Holidays 3 days duration or less Nil. Holidays 4 days duration and over £75.
4. Personal accident
Death (aged over18) £15,000 Nil
Death (under 18 ) £1,000 Nil
Death (aged 70 or over ) £7,500 Nil
Permanent total disablement £15,000 Nil
Loss of limb(s) or total and irrecoverable loss of Sight £15,000 Nil
5. Personal possessions £1,500 £75
Single item limit £200
Valuables £400
6. Personal money
Personal money £500 £75
Cash £500 (£50 under 18 £75
7. Passport and other documents
Event Tickets £500 £75
Passport and other documents £500 Nil
8. Baggage delay on outward journey £50 after each 12 hours of delay up to £200 Nil
9. Missed departure and Missed connection
Missed departure £200 (United Kingdom) £800 (Outside the United Kingdom) Nil
Missed connection £200 (United Kingdom) £800 (Outside the United Kingdom) Nil
10. Travel delay and abandonment
Travel delay benefit £20 per 12 hours up to £60 Nil
Abandonment after 12 hours delay £5,000 UK, Isle of Man, Channel Islands & Europe. £10,000 Worldwide. Holidays 3 days duration or less Nil. Holidays 4 days duration and over £75.
11. Personal liability £2,000,000 Nil
12. Legal costs and expenses £25,000 Nil
13. COVID-19
Cancellation/Curtailment £5,000 UK, Isle of Man, Channel Islands & Europe. £10,000 Worldwide. Holidays 3 days duration or less Nil. Holidays 4 days duration and over £75 (£15 in respect of Loss of Deposit).
Emergency medical and repatriation expenses £5,000,000 £2,500 (within the UK) £75 UK, Isle of Man, Channel Islands & Europe. £250 Worldwide.

Health Conditions

We shall not be liable for claims WHERE AT THE TIME OF TAKING OUT THIS POLICY AND BETWEEN THAT TIME AND YOUR DEPARTURE:

a) You are aware of any medical condition or set of circumstances that could reasonably be expected to give rise to a claim.

b) The insured person whose medical condition gives rise to a claim:

    i) Is receiving, or on a waiting list for, surgery, in-patient treatment or investigations in a hospital, clinic, or nursing home.

    ii) Is travelling against any health requirements stipulated by the carrier, their handling agents or other public transport provider.

    iii) Is travelling against the advice of a Medical Practitioner or for the purpose of obtaining medical treatment abroad.

    iv) Has been given a terminal prognosis.

Please note: If you are on medication at the time of travel, your medical condition(s) must be stable and well controlled.

If you are travelling outside of the UK, you must notify the Change in Health helpline immediately if a change in health occurs (including any change to medication) between the date this policy is issued and your scheduled date of departure.

SIGNIFICANT EXCLUSIONS

1. No cover is provided if the person(s) to be insured are not resident in the United Kingdom, meaning that all insured persons must have an address in the United Kingdom and have lived in the United Kingdom for at least 6 of the last 12 months & are registered with a General Practitioner in the United Kingdom.

2. Trips of more than 31 days duration or in relation to Frequent Traveller policies 17 days, unless otherwise agreed.

3. Losses which are not directly associated with the insurance event causing the claim, for example loss of earnings if You are unable to work or the cost of replacing locks if You lose your keys.

4. Losses recoverable from any other source. Where another insurance policy covers the same risk, insurers will only pay their proportionate share of a valid claim.

5. Any loss, damage, cost, or expense directly or indirectly caused by the act of an insured person voluntarily entering an area known at the time to be subject to War and Civil Unrest or against the advice of the Foreign, Commonwealth & Development Office.

6. Disinclination to travel.

Examples of other exclusions and the policy terms and conditions are contained within the policy wording, a specimen copy of which is available upon request. If, having purchased a policy from us, you subsequently find the policy does not meet your needs & requirements you have 14 days from the date of issue or prior to travel, whichever is sooner, to cancel the policy and receive a full refund of your premium.

Protecting your information

We will only use your personal details in line with our Privacy Notice. This can be found on our website or is available in hard copy format upon request and you should read this carefully and contact us immediately if you have any queries. Your personal information includes all the details you have given us to process your insurance policy (we will not ask for more information than is necessary). We may share your data with Third Parties for the provision and ongoing performance of your insurance policy. Your data may be transferred outside the UK. All the personal information you supply to us will be handled strictly in accordance with the applicable Data Protection regulations and legislation.

Our earnings

We do not charge fees for our insurance related services however we and Wrightsure Services (Hampshire) Limited may receive some form of renumeration in relation to the arrangement of insurance. We and Wrightsure Services (Hampshire) Limited generally receive a commission from Insurers which is a percentage of the annual premium that you are charged.

Terms and conditions apply.

Leger Holidays Limited & Leger Air Holidays Limited are an appointed Representative of Wrightsure Services(Hampshire) Ltd who are authorised and regulated by the FCA (their registration number is 311394) and which is permitted to advise on and arrange general insurance contracts. You can check these details online using the Financial Services Register (accessible from https://www.fca.org.uk/) or by contacting the Financial Conduct Authority Consumer Helpline on 0800 111 6768 .

How to add insurance to your holiday

If you take out insurance when booking your holiday, the price of the insurance premium will be added to your holiday cost. Your statement of cover will be sent to you with your booking confirmation.

If you haven't yet booked your holiday, simply tick the box that you'll find during the online booking process. If you prefer to book over the phone, you can request insurance when you call.

If you've already booked, adding insurance to an existing booking is easy. Just give us a call on 01709 787 463 and we'll be happy to add it on for you.

You can use your own travel insurance if you have it, but you must contact us with the policy details and emergency contact numbers before departing on your Leger holiday.

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 MoneyHelper travel directory at: https://www.moneyhelper.org.uk/en/everyday-money/insurance/travel-insurance-directory?source=mas# or by calling 0800 138 777 (Open Monday to Friday, 8am to 6pm).

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