Travel Insurance

If you have purchased travel insurance already, please log in to view your policy information in the customer portal.

We offer travel insurance and this can be easily added to your booking, in the customer portal.

If you purchased travel insurance before midnight on 17th April 2024, please click here to see your policy documents

If you purchased travel insurance on or after 25th July 2024, please click here to see your policy documents.

How to make a claim

All claims (except legal expenses) for policies taken out before midnight 17th April 2024

  1. Check your Policy Wording and Table of Benefits to see whether the loss is covered.
  2. Contact ERGO Travel Insurance Claims (open Monday to Friday, 9am to 5pm), as soon as possible, quoting your reference number in the top right-hand corner of your Table of Benefits and tell Us what has happened.
  3. You can contact ERGO Travel Insurance Claims in the following ways:
    1. POST: ERGO Travel Insurance Claims, Davies Building, PO Box 1392, Preston PR2 0XE
    2. EMAIL: travelclaims@davies-group.com
    3. TELEPHONE: +44 (0) 1612 198702
    4. ONLINE: You can submit a claim online by visiting towergatetravel.davies-group.com
  4. You must obtain, keep and produce at Your own expense all receipts, invoices, reports and other documentary evidence required by ERGO Travel Insurance Claims to support your claim. Original documents (not photocopies) will be required.

LEGAL EXPENSES CLAIMS FOR POLICIES TAKEN OUT BEFORE MIDNIGHT 17TH APRIL 2024

  1. Check your Policy Wording and Table of Benefits to see whether the loss is covered.
  2. To request a claim form or obtain an update on an existing claim, please contact DAS Legal Expenses Insurance Company Limited.
  3. You can contact DAS Legal Expenses Insurance Company Limited in the following ways:
    1. POST: DAS Legal Expenses Insurance Company Limited, DAS Parc, Greenway Court, Bedwas, Caerphilly, CF83 8DW
    2. ONLINE: das.co.uk/claim
    3. TELEPHONE: +44 (0) 117 934 0548
  4. You must obtain, keep and produce at Your own expense all receipts, invoices, reports and other documentary evidence required by DAS Legal Expenses Insurance Company Limited to support your claim. Original documents (not photocopies) will be required

All claims for policies taken out from 25th July 2024

  1. The quickest and easiest way to make a claim is to visit the website at http://www.submitaclaim.co.uk/Sykes
  2. Alternatively, you can download a claim form at http://www.csal.co.uk/
  3. You can also get a claim form by:
    1. TELEPHONE: +44 (0) 1702 427 162
    2. EMAIL: AllianzTravelClaims@csal.co.uk
    3. POST: Claims Settlement Agencies, 308-314 London Road, Hadleigh, Essex, SS7 2DD.
    4. You should fill in the claim form and send it to Claims Settlement Agencies as soon as possible with all the information and documents asked for. You must give as much detail as possible so your claim quickly can be handled. Guidance on what information is required is contained within Pages 22 to 35 of your Policy Wording. Please keep copies of all the information you send to Claims Settlement Agencies.

Legal expenses claims for policies taken out from 25th July 2024

  1. You can call the 24-hour legal helpline for advice on a travel related legal problem to do with your trip on UK +44 (0) 20 8603 9804
  2. Upon receipt you should fill in the claim form and send it back as soon as possible with all the requested information and documents
  3. You must give as much detail as possible so your claim can be handled. Please keep copies of all information that you send.

Holiday Insurance

The following information relates to insurance purchased from 25th July 2024

This policy is underwritten AWP P&C S.A. a company registered in France with ID No 519490080 RCS Paris Registered Office 7 Rue Dora Maar, 93400 Saint-Ouen, France acting through its UK Branch, AWP P&C (UK Branch) registered in the United Kingdom. Registered Branch No. BR015275, Registered Office 102 George Street, Croydon, Surrey CR9 6HD. Authorised and regulated by L'Autorité de Contrôle Prudentiel et de Résolution in France. Authorised by the Prudential Regulation Authority (PRA). Subject to regulation by the Financial Conduct Authority (FCA) and limited regulation by the PRA.

Should you wish to take out this holiday insurance policy 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 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.

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.

We summarise below the details of the insurance cover provided which also includes 24-hour emergency service from Allianz 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 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 Booklet and IPID before booking should you wish to examine this in advance.

Section of Cover MAXIMUM SUM INSURED AND / OR BENEFITS PER PERSON UNLESS ADVISED OTHERWISE Maximum Excess
Trip Cancellation Up to £10,000 per booking Nil
Trip Interruption Up to £10,000 per booking Nil
Travel Delay £100 for each completed 24-hours up to £800 following a completed delay of 6 hours Nil
Baggage Up to £1,000 per person, sub-limited as follows:
  • £300 Valuables
 Nil
Baggage Delay £100 after a completed 12-hours delay Nil
Emergency Medical Up to £2,000,000, sub-limited as follows:
  • £350 Dental Cover (pain relief only)
 Nil
Emergency Transport Up to £2,000,000, sub-limited as follows:
  • Reasonable costs up to the above Medical Repatriation
  • Reasonable costs up to the above Medical Evacuation
  • Reasonable costs up to the above Return of Dependants
  • Reasonable costs up to the above Transport to Bedside
  • Reasonable costs up to the above Repatriation of Remains
  • Funeral Expenses Abroad £1,000
  • Search and Rescue £1,000
 Nil
Personal Liability Up to £2,000,000 Nil
Personal Accident Up to £15,000 Permanent Disability or Death Nil
Travel Services During Reasonable costs included Nil
Your Trip
Loss of Travel Documents Up to £250
Personal Money Up to £300 Nil
Legal Expenses £25,000 Nil

Residency

The cover under this policy is only available to residents of United Kingdom, the Channel Islands and the Isle of Man only.

Health Conditions

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:

  1. Are you aware of any reason why the trip could be cancelled or cut short (such as the health of a close relative)
  2. Are you travelling:
    1. against the advice of a medical practitioner, or
    2. for the purpose of obtaining medical treatment.
  3. Have you been given a terminal prognosis
  4. Are you receiving or awaiting treatment for any bodily injury, illness or disease as a hospital day case or in-patient
  5. If you are on prescribed medication, are your medical condition(s) stable and well controlled
  6. If you suffer from stress, anxiety, depression or any other mental or nervous disorder, have you received written confirmation (at your cost) that you are fit enough to take this trip by either:
    1. a registered mental health professional (if you are under the care of a Community Mental Health Team), or
    2. a consultant specialising in the relevant field.

If you are travelling outside of the United Kingdom You must telephone the medical screening service on 0344 892 1698 if anyone to be covered by this policy, or any person upon whose health the trip depends:

  1. Has or has had a medical condition (excluding childhood and minor ailments not requiring treatment)
  2. Is taking prescribed medication
  3. Has or has had any medical condition still requiring periodic review
  4. Is awaiting any tests, treatment, investigation, referral or the results of these.

The medical screening service office hours are 9am to 5pm Monday to Thursday and 9am to 4pm Friday excluding Bank Holidays.

Change in Medical Circumstances After the Date the Policy is Issued

Important note: this applies to all destinations, including trips solely within the United Kingdom.
You must also notify the medical screening service 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 policy.

Significant or Unusual Limitations or What is Not Covered

  1. Cover is only available for the whole duration of a booked trip to a maximum 75 consecutive days, and cover cannot be purchased once a trip has already begun.
  2. If your money, valuables, any items of baggage, your passport or visa are lost or stolen, you must notify the local Police within 24 hours of discovery or as soon as possible thereafter. Please make sure you get a copy of the Police report. Failure to comply may result in your claim being rejected or the amount of any relevant claim reduced.
  3. You are not covered for valuables, your passport or visa if left unattended at any time (including in a vehicle, in checked in luggage or while in the custody of a carrier, tour operator or public transport operator) unless deposited in a hotel safe, safety deposit box or left in your locked accommodation.
  4. Claims arising from any epidemic or pandemic as declared by the World Health Organisation (WHO).
  5. You must ensure that you have had any recommended inoculations, vaccine (including COVID-19 where it has been offered to you) or medications relating to your destination prior to your trip.

TRAVEL SIGNPOSTING

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 7777 (Open Monday to Friday, 8am to 6pm).

Cooling Off Period

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 (also trading as Lake District Lodge Holidays) 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.