Holiday / Travel Insurance - IMPORTANT INFORMATION

M H Elcock & Son Limited t/as Elcock Holidays is an appointed representative of Arthur J. Gallagher Insurance Brokers Limited which is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 7th Floor, 55 Blythswood Street, Glasgow, G2 7AT. Registered in Scotland Company Number: SC108909.

We only offer travel insurance from a single insurer – Europaische Reiseversicherung AG (ERV). This travel insurance is suitable for those who wish to insure themselves when travelling against the specified financial loss of unforeseen circumstances and events relating to your trip. A list of the covers and corresponding limits can be found below. Please see your policy document for further details. We have not provided you with any recommendation or advice about whether this product meets your specific insurance requirements. It is your responsibility to decide whether this policy suits your needs.

SIGNIFICANT EXCLUSION: If your medical condition cannot comply with the following terms then any claim related to that medical condition will not be covered:



Health Conditions For UK & EU Travel

It is a condition that at the time of taking out this Policy and between that time and Your departure You must comply with each of the following:


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

(2) You are not travelling (a) against the advice of a medical practitioner (b) for the purpose of obtaining medical treatment (c) if You have been given a terminal prognosis.

(3) You are not receiving or awaiting tests, treatment or investigations for any illness or injury as a hospital day case or inpatient as any claim arising from the illness or injury will not be covered.

(4) If You are on medication at the time of travel Your medical condition must be stable and well controlled.

(5) You must notify Medical Screening on 01403 288 423 immediately of any change in your medical circumstances between the policy issue date and time of departure.


This information is correct at the time of printing, but may be subject to change.  Please refer to your policy document to check your cover.


Travel Policy   -   For full details about your cover and all exclusions please refer to the Policy Document







Up to £2,000 

Excess: £40      Deposit only: £10


Up to £2,000


Emergency Medical & Repatriation Expenses 

Up to £1,000,000


Missed Departure (not UK)

Up to £200


Personal effects and Money

Up to £1,000

Up to total of £200 for valuables

Up to £200 for Lost Passport


Luggage Delay

Up to £100


Personal Liability

Up to £1,000,000


Personal Accident

Up to £10,000


Legal Costs & Expenses

Up to £25,000




Please telephone the office where an operator will advise you on the price of travel insurance for your trip.



You must take reasonable care to provide us with complete and accurate information to any questions we ask when you take out, make changes to your policy.  If you do not provide us with complete and accurate information which is subsequently disclosed, or comes to light after the commencement date of the insurance, your insurer may consider that you have misrepresented your risk and may have the right to amend, restrict or cancel your cover under this policy. 


Cancellation Rights

If your cover doesn’t meet your requirements, please let Elcock Holidays know within 14 days of receiving your policy document and return all your documents for a refund of your premium. Any premium already paid will be refunded to You providing you have not travelled, no claim has been made or is intended to be made and no incident likely to give rise to a claim has occurred.



Full details of how to make a claim and how to appeal should your claim not be successful can be found in the policy document.



Should you have a complaint about the sale of your travel insurance policy, please contact The Branch Manager, Arthur J. Gallagher Insurance Brokers Ltd, 6th Floor, Temple Circus House, Temple Way, Bristol BS1 6HG. Should you remain unhappy with our final reply, you may have the right to refer your complaint to The Financial Ombudsman Service, Exchange Tower, London E14 9SR.  


Financial Services Compensation Scheme (FSCS)

We are covered by the FSCS. You may be entitled to compensation from the FSCS if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.  Further information about compensation scheme arrangements is available from the FSCS