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Insurance

We recommend that you purchase insurance to cover your holiday. If you travel without adequate travel insurance and require our assistance whilst on one of our holidays, we will claim from you any expenses we incur on your behalf, which would otherwise have been covered by insurance. It is not compulsory on tours within the UK, but is now compulsory for you to have suitable insurance for travel outside the UK. If you chose to purchase travel insurance through Roberts Travel Group, please contact our Holiday Department for further information.

Roberts Coaches Limited trading as Roberts Travel Group is an appointed representative 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. Roberts Coaches Ltd. only offer travel insurance from Towergate Chapman Stevens Insurance Services.
You can download and consult our insurance policy in PDF format.

Demands And Needs Statement
Travel Insurance

This travel insurance policy will suit the Demands and Needs of an individual, or group (where applicable) who have no pre-existing medical conditions, are travelling to countries included within the policy terms and who wish to insure themselves against the financial impact of specified unforeseen circumstances/events relating to or occurring during their trip. Subject to policy exclusions, terms, conditions and maximum specified claim limits; full details of which may be found in your policy booklet. If you do not have one of these please ask for a copy to aid you in making your own informed buying decision. Important Information
You may already possess alternative insurance(s) for some or all of the features and benefits provided by products purchased; it is your responsibility to investigate this. We will not provide you with advice about the suitability of this product for your individual needs but we will be happy to provide you with factual information to assist you in making an informed buying decision.
All policies have exclusions and restrictions to them. It is very important that you read and understand these and only purchase the policy if you are happy that you and (where applicable) every member of your party meet the eligibility criteria: Specifically, for travel our policy may NOT be applicable for you if:

Residency
If you or anyone else named on this policy has not been a resident in the UK for the past 6-months this policy cannot cover you. Pre-Existing Medical Conditions
If you are travelling to destinations detailed in your policy document which do not require you to inform the Insurer of any pre-existing medical conditions, then you need to consider your answers to the following questions:
o Will you or anyone else be travelling against the advice of your GP or the carrier, their handling agents or any other public transport provider?
o Have you or anyone else been given a terminal prognosis?
o Will you or anyone else be on a waiting list, awaiting the results of tests or be aware of any surgery being required?
o Are you suffering from stress, anxiety or depression unless it has been investigated and diagnosed as such by a specialist in the relevant field?

Please note if you have answered Yes to any of these questions the policy will not cover claims as a result of the condition or conditions causing your Yes answer(s). You do however have the option to still take out this policy on the understanding that it will not cover these condition(s).

If the policy does require you to declare your pre-existing medical conditions, then you will need to call Towergate on 0844 8921698. Upon receiving your declaration Towergate may, on behalf of the Insurer, offer to cover these for an additional premium. It is your responsibility to declare your pre-existing medical conditions when required. Failure to disclose may result in any claim being declined.

Sports / Hazardous Activities
If you intend to take part in any sports or hazardous activities not included in your holiday itinerary, please call the tour operator with whom you have booked your trip. They will contact Towergate on your behalf to confirm whether the policy can be extended to cover your planned activity or activities. Additional terms and premium may apply.

In addition to the above the policy also contains the following main exclusions:

  • Any existing medical conditions unless they have been declared to (where appropriate) and accepted by the insurer.
  • Your participation in any organised sports, winter sports or dangerous activities unless they have been declared to and accepted by the Insurer.
  • Suicide or the wilful exposure to exceptional personal risk.
  • Stress, anxiety or depression unless it has been diagnosed as such by a consultant or expert in that field.
  • Travel against the advice of the carrier, any other public transport provider, the Foreign Office or the World Health Organisation.
  • Motorcycle travel during the insured trip where the engine size exceeds 125cc.
  • Any manual work or hazardous occupation undertaken during the insured trip.
  • The bankruptcy / liquidation of the tour operator, travel agent or transportation company with whom you have booked your trip.

Examples of these and other conditions and restrictions and what to do if you are unsure about any aspect of an exclusion are contained within your policy information.

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