Holiday Insurance- tailored to you

At Caledonian Travel, we always do everything we can to ensure your holiday runs as smoothly as possible from start to finish. For this reason, we strongly recommend you take out a holiday insurance policy to ensure you’re prepared for the unexpected.

To provide you with a holiday insurance policy designed with our customers in mind, we’ve teamed up with specialist insurance providers Towergate Travel. Some of the benefits of our insurance policy include:

- All ages are considered, plus there are no premium loadings if you’re over 65

- 24-hour English speaking emergency assistance

If you take out this insurance when booking your holiday, the price of the insurance premium will be added to your holiday cost. Your policy wording and status disclosure document will be sent to you with your booking confirmation.

National Holidays Tours Limited t/a Caledonian Travel 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. Details correct at time of press.


You may already possess alternative insurance policies for some or all of the benefits provided by this product. It is your responsibility to investigate this. We will not provide you with advice about the suitability of this product however we are happy to provide you with factual information to help you make an informed choice. All policies have exclusions and restrictions to them. It is very important that you understand these and only purchase the policy if you are happy that you and every member of your party meet the eligibility criteria.


If you or anyone else named on the policy has not been a resident in the UK for the past 12-months or has been studying or working in the UK for less than 6-months our policy cannot cover you.

Health Conditions:

You do not need to declare conditions if you are travelling to destinations within the United Kingdom (including the Isles of Scilly), the Channel Islands, the Isle of Man or the Republic of Ireland, but health conditions do apply, such as:

- You're not aware of any reason why the trip could be cancelled or cut short.

- You mustn’t be travelling against the advice of your GP or for the purpose of obtaining treatment.

- You've not been given a terminal prognosis.

- You're not on a hospital waiting list for treatment.

- If you are taking any medication your medical condition must be stable and well controlled.

- If you are suffering from a mental or nervous disorder, including stress, anxiety or depression, it must have been diagnosed by a registered mental health professional or a specialist in the field.

If the policy does require you to declare your pre-existing medical conditions then you will need to call MediScreen on 0344 892 1698. It is your responsibility to declare your pre-existing medical conditions when required. Failure to disclose may result in any claim being declined.

Significant Exclusions:

The policy also contains the following significant exclusions:

- Please note that any new insurance policy sold from Monday 16th March will not cover you for Coronavirus related claims. This applies to customers transferring to departure dates after 16th March 2020. Any policy purchased before this date will still cover you for Coronavirus claims.  

- Where the claim amount is the same or less than the excess.

- Your reluctance to travel.

- Cover is only available for the whole duration of the trip, up to a maximum of 30 consecutive days and cover cannot be purchased once the trip has begun.

- Lost or stolen property, including money and passport / visa, must be reported to the local police within 24-hours of discovery. Please make sure you get a copy of the police report.

- No cover for valuables or passports / visas if left unattended unless in a hotel safe, safety deposit box or left in your locked accommodation.

- No cover for baggage stolen from your coach whilst unattended unless it was in the passenger or luggage compartment and there’s evidence of force and violent entry to the vehicle.

Cooling-off period

If upon receiving your policy, you decide this insurance doesn’t meet your requirements, you can cancel for a full refund by returning it within 14 days of issue or before travelling (whichever is sooner), providing you have not made a claim.

Full details are contained within your policy wording, a specimen copy of which is available upon request and by clicking the link on this page, but in the meantime, a summary of the cover can be found below.

Insurance Premiums (per person)

Holiday Duration UK Mainland & holidays with day excursion(s) to the continent Ireland & Channel Islands Mainland Europe
2 Days £13 - -
3 Days £15 £19 £21
4 Days £17 £21 £25
5 Days £21 £27 £31
6 Days £24 £31 £32
7 Days £26 £31 £34
8/9 Days £29 - £38
10/15 Days - - £45

Children 2 to 12 yrs receive 50% discount off the premiums above

Please note: All premiums are inclusive of 20% IPT.

Summary of Benefits - for a full summary of benefits including excesses please click here for more information.

View our Insurance Product Information Document

Summary of Benefits & Excesses (per person)


Cover Section


Maximum Sums Insured And / Or Benefits Per Person

Maximum Excess Per Person

Personal Accident

£7,500 (subject to age)


Hospital Benefit

£100 / £450 Non-UK(subject to age)


Medical and other expenses (including curtailment and repatriation)

£5,000,000 Non-UK Medical & Repatriation Expenses / £1,500 UK Additional Accommodation & Repatriation Expenses


Cancellation & Curtailment


£15 trips under £100

£15 Loss of Deposit /£50 Cancellation trips over £100


Emergency Home Assistance


Cost of call out / £100 materials / 3 hours labour


Delayed Travel


£60 Delayed Travel / £5,000 Holiday Abandonment

Nil Delayed Travel

£15 trips under £100 / £50 trips £100 or more Holiday Abandonment

Missed Departure



Personal Property & Money

£1,000 Baggage / £200 Personal Money (subject to age) / £100 Delayed Baggage

Nil Delayed Baggage

£35 Baggage & Personal Money

Loss of Passport and / or Visa Expenses



Personal Liability



Legal Expenses



This is a summary of cover only. Full terms and conditions are as per the policy wording, a specimen copy of which is available on request.