Insurance

Travel Insurance - Essential for Complete Peace of Mind on Holiday.

Inghams has partnered with Fogg Travel to offer great travel insurance cover for UK residents. Whether you're walking, cycling, sightseeing or just kicking back and relaxing, our travel insurance offers policies amongst the best in the market. 

Purchasing travel insurance with your holiday booking

When booking your holiday, we strongly recommend you add travel insurance during the booking process. If you purchase insurance with your holiday booking, you will receive your insurance policy with your booking confirmation.

Purchasing travel insurance online

You can arrange cover at any time directly with our partners Fogg.  Booking is simple and secure - just click the link below and choose the policy you require from the selection shown for an instant quote. Please note, Inghams acts only as agent for the Provider in respect of all “Fogg Insurance” services. This link will open in a new window:

Click here for Fogg Travel Insurance from Inghams

Fogg Travel Insurance Services Limited

With TokioMarine Europe Insurance Ltd and Union Reiseversicherung AG (URV) are authorised and regulated by the Financial Conduct Authority (FCA). We are an Appointed Representative of Fogg enabling us to arrange your insurance.We have many years of experience and believe that the cover arranged is well suited to your needs. For our Winter Sports policies you will receive a Fogg Travel ‘Medi-card’ which gives immediate confirmation of cover to doctors and rescue services. Once accepted, all you will have to pay is the policy excess amount. The policy is designed only for permanent residents of the UK and Republic of Ireland.

Cover available for guests 65+

We offer one of the best travel insurances available, arranged through Fogg Travel Insurance Services Ltd with Tokio Marine Insurance and/ or Reiseversicherung AG (URV) who are authorised and regulated by the Financial Services Authority (FSA). We have many years of experience and that the cover arranged is well suited to your needs.

Summary of Cover

 

Limit

Cancellation or CurtailmentInvoice cost

Emergency medical & other expenses

inc 24 hour Emergency Service

£5 million
Hospital Benefit at £15 per day£600
Personal Accident£15,000
Travel Delay£100
Missed Departure£800
Personal Possessions£2,000
Delayed Baggage£250
Passport Idemnity£250
Personal Money£500* (£250 cash limit)
Personal Liability£2 million
Legal Expenses£50,000
Homecare Cover£250

Excesses £50 applicable to certain sections
 

Other General Conditions

The cover is subject to the conditions and exclusions of the policy and we strongly recommend that you read the full policy wording, which can be viewed at HERE The policy is designed only for permanent residents of the UK and Republic of Ireland. The age limit for this policy is under 85 years at the date of departure (under 65 for annual multi-trip). If you have any medical condition including anyone on whom the travel plans depend please refer to the Health section under Important Notes listed below. These details are not a substitute for your insurance policy. Please read your insurance policy carefully.

How to Book

The Fogg travel insurance policy is only available by clicking on the insurance link HERE Premiums are payable direct to Fogg and your insurance contract is with them and not Inghams. Your insurance policy will be issued by Fogg.

Premiums - Held at 2013 prices

Cover available for guests aged 65-84 years at reasonable prices

EuropeUp to 10 daysUp to 17 days
Adult 18-64 years  £23  £26
Senior 65-84 years  £49  £56
Child 3-17 years  £18  £20
Family  £54  £61

USA & Canada  Up to 10 daysUp to 17 days
Adult 18-64 years   £44   £50
Senior 65-84 years   £99 £115
Child 3-17 years   £34   £38
Family £103 £118

Claims and queries – Should you have any queries regarding these insurances (including claims) they should be referred to Fogg Travel Insurance Services Ltd, Crow Hill Drive, Mansfield, NG19 7AE. Tel: 01623 63 13 31 Email: info@foggtravelinsurance.com. Our FSA Reg reference is 307304. This can be checked at http://www.fsa.gov.uk/fsaregister.

Important Notes

Health - You must inform Fogg Travel of any pre-existing illnesses/ infirmities in the last 12 months relating to all persons on whom the journey or trip plans depend. Insurers reserve the right to either refuse insurance cover or apply restrictions. Simply telephone the Referral Helpline on 01623 63 59 58 during normal working hours. Your enquiry will be handled confidentially and you will be advised of the extent of cover that can be provided. You will be given a Helpline reference, and confirmation will be sent/faxed to you.

Hazardous activities - Normal summer holiday activities are covered by the policy but there will be activities which will be excluded - for example paragliding. Before booking or undertaking any activity which may be regarded by the Insurers as hazardous, we recommend that you contact Fogg Travel or your own travel insurer before you travel for advice for cover.

Conditions, exclusions, warranties - Conditions and exclusions apply to individual sections of your policy, while general conditions, exclusions and warranties will apply to the whole of your policy.

Policy excesses - Under most sections of the policy claims will be subject to an excess. This means you will be responsible for paying the first part of the claim. The amount you have to pay is the excess.

Property claims - These claims are paid based on the value of the goods at the time you lose them and not on a new for old or replacement cost basis, unless otherwise stated in your policy.

Policy limits - Most sections of the policy have limits on the amount the insurer will pay under that section. Some sections also include other specific limits eg: for any one item, or for valuables in total. You are advised to check your policy if you intend taking expensive items with you.

Reasonable care - You need to take all reasonable care to protect yourself and your property.

Complaints - Your insurance policy has in it a Complaints Procedure which tells you what steps you can take if you wish to make a complaint.