Many people believe that if they book a holiday through a Travel Agent or Tour Operator, they are obliged to purchase the Travel Insurance offered by that Agent/Operator.

This is NOT the case. People are completely free to purchase their own insurance from a supplier of their own choice. It is the Agent's/Tour Operator's responsibility, however, to advise their clients that they should purchase Travel Insurance.


Choosing Where to Buy

Whoever offers Travel Insurance, whether it's a Travel Agent, Tour Operator, Bank, Post Office, Building Society, Broker, Intermediary or even a Supermarket or Chemist, they should know about their products and are obliged to answer any reasonable questions, relating to these products, that they may be asked.

Customers should ask the person selling them the insurance as many questions as they need, in order to fully satisfy themselves that the insurance being offered, completely meets their needs. This is particularly important for people with a pre-existing medical condition.

outlets for Travel Insurance in the United Kingdom, are authorised and regulated by the Financial Services Authority (FSA).

Why Do I Need Insurance?

All An overseas medical bill could run into many thousand pounds and much more in the United States of America and Canada. Many people believe they are fully covered if they have an accident or fall ill whilst abroad, by reciprocal health arrangements that the UK has with other countries.

The UK does indeed, have reciprocal health arrangements with certain other countries, but not all. Full details of these are contained in a booklet entitled "Travellers' Guide To Health" available free of charge from the Post Office and the Department Of Health Offices.

Even in the countries where there are such arrangements in place, treatment is usually only available from State hospitals and the quality of the treatment varies greatly. The only way to ensure the best possible treatment is to have good Travel Insurance cover.

EHIC  This offers you free or reduced price hospital treatment within the EEC and some insurers insist you carry the EHIC, however it only covers you for emergency treatment and you may be required to pay for medicines or even your hospital bed.  It does not cover you for repatriation to the UK, Private medical clinic bills, private ambulance or incidentals such as accommodating  a relative in a nearby hotel.

Travel Insurance is a MUST and will cover the elements not covered by the EHIC providing you have declared ALL pre-existing medical conditions. You should also make sure any medical equipment including wheelchairs etc. are covered for their FULL REPLACEMENT value.

In An Emergency

If you purchase Travel Insurance and are unfortunate enough to have an accident or become ill whilst abroad and require hospital treatment, ensure that you, or someone else acting on your behalf, informs the assistant company, the details and 24 hour contact number, will be in your policy/certificate wording.

They will usually guarantee any medical bills and ensure that you receive the best possible treatment, as well as looking after any dependant relatives that may be travelling with you.


Although baggage is covered by insurance, it is not much compensation, having had it stolen, to be on holiday with no clothes, toiletries etc. ALWAYS carry your medication in your hand baggage. Put wallets, purses, passport and other valuables in a secure place to avoid becoming the victim of pickpockets. Always try to look after your property as though it were not insured. Do NOT take chances.

PLEASE NOTE: All Wings on Wheels holidays are based on a minimum group number. Should you wish to take out Insurance on booking with us please be aware that your insurance premium will NOT be refunded should we have to cancel the holiday due to insufficient numbers, however, your booking deposit will (as always) be refunded.

All passengers booking with Associated Incentive Travel Ltd are fully insured for the initial deposit and subsequently the balance of monies paid as detailed in your booking confirmation.

The policy will also include repatriation, if required, arising from the cancellation or curtailment of your travel arrangements due to the insolvency of Associated Incentive Travel Ltd.

This insurance has been arranged with MGA Cover Services Ltd. (registered address Farren House, The Street, Farren Court, Cowfold, West Sussex. RH13 8BP, company registration: 08444204 authorised and regulated by the Financial Conduct Authority registration number 597536) under a binding authority with the insurer CBL Insurance Europe Ltd. (registered address, 2nd floor, 13 - 17 Dawson Street, Dublin 2, Ireland, who are authorised and regulated by the Financial Conduct Authority registration number 203120).

In the unlikely event of insolvency, you MUST inform MGA Cover Services Ltd. Immediately on 00 44 203 540 4422. Please ensure you retain your booking confirmation as evidence of cover and value.

Please see our Booking Conditions for more information.  Or, for more information about financial protection and the ATOL certificate, go to

Our ATOL Number is ATOL 9989.

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