A Holiday Travel Insurance Scheme is available for all passengers travelling on our holidays arranged with 

ETI – International Travel Protection (ERV) tthe UK branch of Europäische Reiseverscherung AG, who are Licensed by the Bundesanstalt für Finanzdienstleistungsaufsicht (BAFIN – and approved by the Financial Conduct Authority (FCA – to undertake insurance business in the UK. Should you wish to take advantage of our Holiday Travel Insurance please include the appropriate premium when booking your holiday.

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



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 claim limits.



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 SPECIALTY ASSISTANCE LTD - 24-hour emergency service. The following is a brief summary of the cover available. Full details of Cover, Policy Warranties and Exclusions will be forwarded with your confirmation of booking. In any event you may ask for a specimen copy of the Policy Wording before booking should you wish to examine this in advance.



You must be able to comply with the following conditions to have the full protection of your policy. If you do not comply, we may refuse to deal with any relevant claim or reduce the amount of any relevant claim payment.

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 5. to 6. a) and b) below:

1.  You are not aware of any reason why the trip could be cancelled or cut short.

2.  Are you travelling:                                                                                   

     a) against the advise of a medical practitioner, or

     b) for the purpose of obtaining medical treatment, or

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:

  a) a registered mental health professional if you are under the care of a Community Mental Health Team, or

  b) a consultant specialising in the relevant field.


If you are travelling outside of the United Kingdom

You must telephone the Towergate Medical Line on 0344 892 1698 for 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 Towergate Medical Line office hours are 9am to 5pm Monday to Friday excluding Bank Holidays.


PLEASE NOTE - You must also notify the Towergate Medical Line immediately of any changes in medical circumstances arising between the date the policy is issued and the time of departure for the trip. You may have to pay an additional premium to cover your medical conditions. This applies to all destinations outside the United Kingdom.


It is your responsibility to declare your pre-existing medical conditions when required. Failure to disclose may result in any claim being declined.




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.


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:

1.    You are not covered for anything caused directly or indirectly by you suffering from stress, anxiety, depression or any other mental or nervous disorder unless it has been investigated and diagnosed as such by either a registered mental health professional if you are under the care of a Community Mental Health Team or if not, by a consultant specialising in the relevant field, who must confirm in writing, at your cost, that you are fit enough to take this trip.

2.    Any existing medical conditions unless they have been declared to (where appropriate) and accepted by the insurer.

3.    Your participation in any organised sports, winter sports or dangerous activities unless they have been declared to and accepted by the Insurer.

4.    Suicide or the wilful exposure to exceptional personal risk.

5.    Stress, anxiety or depression unless it has been diagnosed as such by a consultant or expert in that field.

6.    Travel against the advice of the carrier, any other public transport provider, the Foreign Office or the World Health Organisation.

7.    Motorcycle travel during the insured trip where the engine size exceeds 125cc.

8.    Any manual work or hazardous occupation undertaken during the insured trip.

9.    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.



You should read your policy immediately to ensure it meets with your requirements. If for any reason it does not, it must be returned to the issuer of the policy within 14 days of the date of issue, or prior to travel, whichever is the sooner. Your money will be refunded in full, provided no claims have been made or incident likely to give rise to a claim has arisen. If you cancel your policy after 14 days, no refund will be given.



Premiums shown below are Inclusive of IPT at the prevailing rate.

The premiums are not subject to any age loadings. Cancellation cover applies immediately, therefore the policy needs to be taken out and paid for at the point of deposit. The 14-day cooling off period expires 14 days after inception.



If you have any queries about this insurance, please contact Towergate Chapman Stevens Limited Tel no. 01932 334140


INSURANCE PAYABLE (Prices are inclusive of IPT):

· UK TOURS – UP TO 2 DAYS  £12.50

· UK TOURS – UP TO 3 DAYS  £15.50

· UK TOURS – UP TO 4 DAYS  £18.50

· UK TOURS – UP TO 5 DAYS  £21.50

· UK TOURS – UP TO 6 DAYS  £22.50

· UK TOURS – UP TO 7 DAYS  £23.50

· UK TOURS – UP TO 8 DAYS  £24.00


UP TO 4 DAYS            £27.50


UP TO 5 DAYS            £28.50


UP TO 6 DAYS            £31.50


UP TO 8 DAYS            £34.50


UP TO 9 DAYS            £35.50


UP TO 14 DAYS         £43.50


UP TO 15 DAYS         £49.00


Children under 16 at time of travel - 50% discount if travelling with an insured adult.


Please Note: The E111 has been changed to the EHIC European Health Insurance Card, please make sure you are in possession of one when travelling abroad. We cannot accept responsibility if passengers are not in possession of the correct travel documents.


Johnson Bros (Tours) Limited t/a Johnson Bros. Tours & Redfern Travel are appointed representatives of ITC Compliance Limited who are authorised and regulated by the Financial Conduct Authority (their firm reference is 313486) and which is permitted to advise on and arrange general insurance contracts.






Up to £1,500 United Kingdom/Channel Islands/ Europe.

Up to £3,500 World Wide.

Holidays up to 3 days No Excess Loss of Deposit or Cancellation.

Holidays over 3 days - Loss of Deposit £20, Cancellation £70

Personal Accident

Up to £15,000 Death and corresponding Benefits. Death Benefit

limited £7,500 persons age 66 and over at time of travel

No Excess

Medical Expenses including Repatriation and Curtailment

Up to £2,000,000

Medical Expenses Excess £60

Curtailment as per Cancellation Section of the policy.

Emergency Medical Assistance

24 Hour Services both UK, Europe and World Wide

Refer to Medical Expenses

Medical Inconvenience Benefit

£10 per 24 hours up to £100 United Kingdom

£15 per 24 hours up to £450 Channel Islands, Europe and World Wide

No Excess

Personal Property Including Money

Personal Property - £1,500 in all. Single article limit £200,

Valuables etc £200 in all.

Personal Money £200

Delayed Baggage up to £100

Personal Property and Money £50




Delayed Baggage Excess 12 hours

Loss of Passport

Up to £200

No Excess

Missed Departure

Up to £100 UK, £300 Europe, £600 World Wide

No Excess

Travel Delay

Travel Delay up to £60

Cancellation (holiday abandonment) up to £3,500

Up to 3 days duration - £Nil, over 3 days duration - £60

Holiday Abandonment as per Cancellation Section of the policy

Personal Liability

Up to £2,000,000

No Excess

Legal Expenses

Up to £25,000

No Excess

Fourteen Day Refund

Premium refund if policy not satisfactory.

Not Applicable


The above is a brief summary of the cover provided. Request a specimen certificate of insurance for full terms, conditions and exclusions

Insurer: ERV – Trading in the UK as ETI – International Travel Protection (ERV)   Claims Adjuster: Towergate Chapman Stevens  

Medical Emergency Service: Specialty Assistance Ltd   Legal Assistance: DAS Legal Expenses Company Ltd


Click here to view a copy of the 2018 certificate of insurance


Click here to view the status disclosure document


Click here to view the amended Terms of Business Agreement for Towergate Travel from 25/05/2018