ATLAS INSURANCE PCC LIMITED IN RESPECT OF ITS TRAVELODGE CELL, A PROTECTED CELL OF ATLAS INSURANCE PCC LIMITED
Head and Registered Office: 48-50 Ta' Xbiex Seafront, Ta' Xbiex XBX1021, Malta
Please see the Policy Summary.
Please see the Key Facts.
E-mail: travelodgeinsurance@heathlambert.com
Address: Heath Lambert Insurance Services, Norfolk House, 32-40 North Street, Horsham, West Sussex RH12 1RZ
Help-Line: 0845 000 0088
E-mail: travelodgeinsurance@heathlambert.com
The claims department are open Monday to Friday between 9am and 5pm
For claims related to policies purchased before the 15th January 2009 please enquire using the following contact details:
Address: PO Box 60108, London SW20 8US
Phone: 0870 0440 175
Fax: 0870 130 1953
E-mail: travelodgeclaims@aig.com
The claims department are open Monday to Friday between 9am and 5pm
Please note that the downloadable insurance documents provided on this page are for policies purchased on or after the 15th January 2009 only.
This insurance is underwritten by Atlas Insurance PCC Limited Travelodge Cell (the Insurer) which is authorised and regulated by the Malta Financial Services Authority. This information can be checked by visiting the MFSA website (www.mfsa.com.mt).
This insurance is arranged with the Insurer by Travelodge Hotels Limited, an Appointed Representative of Heath Lambert Limited (www.gallagherheath.com).
Claims are managed for the Insurer by Gallagher Heath Insurance Services, a trading name of Heath Lambert Limited.
Heath Lambert Limited are authorised and regulated by the Financial Services Authority (FSA Number 312030), This information can be checked by visiting the FSA website (www.fsa.gov.uk). Heath Lambert’s registered office is at 9 Alie Street, London E1 8DE (Registered Number 1199129, England and Wales).
This policy wording along with Your Confirmation Email/Certificate forms the basis of Your contract of insurance. Together, these documents explain what You are covered for. The policy wording contains conditions and exclusions which You should be aware of. You must keep to all the terms and conditions of the insurance
Please read this policy wording to make sure that the cover meets Your needs and please check the details outlined within Your Confirmation Email to make sure that the information shown is correct.
Please note that the cover provided within this wording starts at the time You book the room through Travelodge and pay the insurance premium. Your Trip duration cannot exceed 31 days.
This insurance will be governed by English Law, and You and We agree to submit to the exclusive jurisdiction of the courts of England and Wales, unless You reside in Scotland, Northern Ireland or the Isle of Man, in which case the law applicable to that jurisdiction will apply and its courts will have exclusive jurisdiction.
If this cover is not suitable for You and You want to cancel Your policy, You should access Your booking through the website www.travelodge.co.uk, log on to "My Travelodge" and view Your pending bookings then follow the links to cancel the Room Cancellation Insurance within 14 days of buying Your policy or the date You receive Your policy documents. We will refund the premium You have paid within 30 days of the date You amend Your booking to cancel the policy provided You have not used Your hotel reservation or made a claim before You asked to cancel the policy within the 14-day period.
After the cooling off period, Room Cancellation cannot be cancelled independently from the room booking. However, cover will be cancelled automatically for a Flexible room booking if the room booking is cancelled - a refund of the insurance policy premium will be given. Cancellation of a Supersaver or Saver room book will not result in automatic cancellation of the Room cancellation insurance and no refund will be given.
Atlas Insurance PCC Limited is covered under the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if We cannot meet Our financial obligations. Further information can be obtained upon request, by visiting the FSCS's website at www.fscs.org.uk or by writing to the following address:
Financial Services Compensation Scheme, 7th Floor Lloyds Chambers, Portsoken Street, London E1 8BN.
If You have any questions about the cover provided under this policy or You would like more information, please refer to the website www.travelodge.co.uk or telephone Our Help-Line on 0845 0000088
If you need to make a claim you should obtain a claim form and guidance notes about the procedure from the website www.travelodge.co.uk
You must register a claim by sending a completed claim form and supporting documentation to:
Travelodge Claims, Gallagher Heath Insurance Services
St Mark’s Court, Chart Way, Horsham, West Sussex RH12 1RZ
Help-Line: 0845 0000088
E-mail: travelodgeinsurance@heathlambert.com
Please note: All claims must be notified as soon as it is reasonably practical after the event which causes the claim. If Our position is prejudiced by the late notification of a claim then this may affect Our acceptance of a claim. Gallagher Heath Insurance Services are open Monday to Friday between 9am and 5pm.
To help Us prevent fraudulent claims, We store Your personal details on computer and We may transfer them to a centralised system. We keep this information in line with the conditions of the Data Protection Act.
This contract of insurance is based on mutual trust. We provide cover and We assume that any claims You make are genuine. Our experience in handling claims enables Us to detect many of those which are fraudulent and this includes those which are exaggerated. We investigate every claim and if We believe that a fraudulent claim is being made We will inform the police. This may result in criminal prosecution.
Every effort is made to ensure You receive a high standard of service. If You are not satisfied with the service You have received, please contact:
In relation to the manner in which this policy was sold to you:
The Travelodge Insurance Customer Services Manager
Travelodge Hotels Limited, Sleepy Hollow, Thame, Oxfordshire OX9 3AT
E-mail: customer.insurance@travelodge.co.uk
To help Us deal with Your comments quickly, please quote Your Confirmation Email number and the policyholder/insured person's name.
We will do Our best to resolve any difficulty directly with You, but if We are unable to do this to Your satisfaction Your may be entitled to refer any dispute to the Financial Ombudsman Service who will review Your case. The address is:
The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR
In relation to claims or the Terms and Conditions of this Policy:
For Claims:
The Managing Director, Gallagher Heath Insurance Services, St Mark’s Court, Chart Way, Horsham, West Sussex, RH12 1RZ
Email: travelodgeinsurance@heathlambert.com
Should you remain dissatisfied or if your complaint relates to the Terms and Conditions of this Policy, you should refer the matter to:
The Company Underwriter, Atlas Insurance PCC Limited, Travelodge Cell, 48-50 Ta’ Xbiex Seafront, Ta’ Xbiex, XBX 1021, Malta
E-mail: travelodge@atlas.com.mt
To help Us deal with Your comments quickly, please quote Your Confirmation Email number and the policyholder/insured person's name.
We will do Our best to resolve any difficulty directly with You, but if We are unable to do this to Your satisfaction You are entitled to refer any dispute to the Malta Financial Services Authority who will review Your case. The address is:
Malta Financial Services Authority, Notability Road, Attard BKR3000, Malta
https://mymoneybox.mfsa.com.mt
Telephone: +356 21441155 (overseas call charges apply).
E-Mail: consumerinfo@mfsa.com.mt
If you take any of the actions above it will not affect your right to take legal action.
Wherever the following words or phrases appear in the policy wordings they will always have the meanings shown under them.
Any person who works at Your place of business and who, if You were both away from work at the same time, would prevent the business from running properly.
The document showing the names and other details of all the people insured under this policy and any special conditions that apply.
Your usual place of residence within the United Kingdom.
A person who You live with who is either Your husband or wife, common law husband or common law wife, civil partner, fiancé or fiancée, boyfriend or girlfriend.
The period starting from the Effective Date and terminating on the Expiry Date stated in Your Certificate.
Your Partner and You or Your Partner's parent, brother, sister, son, daughter, (including adopted or fostered children), grandparent, grandchild, step-parent, stepchild, stepbrother, stepsister or next of kin.
A trip within the United Kingdom which starts and ends in the United Kingdom and that does not exceed 31 days and takes place within the Period of Insurance.
Atlas Insurance PCC Limited in respect of its Travelodge Cell (the Insurer)
Each insured person named on the Confirmation Email/Certificate. Each person must have lived in the United Kingdom for at least six of the last 12 months and have paid the appropriate premium.
The following conditions apply to all sections of this insurance.
General exclusions apply to all sections of this policy.
We will not cover the following.
What you are covered for
We will pay up to £500 per room for the room only expenses and pre-paid breakfast, dinner, pet charges, early check in and late check out costs which You have paid to Travelodge and which You cannot get back. We will provide this cover if the cancellation of Your Trip is necessary and unavoidable as a result of one of the following occurring during the Period of Insurance.
What you are not covered for
Section B - Abandoning your trip
What you are covered for
We will pay up to £500 per room for the room only expenses and pre-paid breakfast, dinner, early check in and late check out costs which You have paid to Travelodge and which You cannot get back if it is necessary and unavoidable for You to cancel Your Trip if Your departure during the Period of Insurance by public transport by aircraft, sea vessel, coach or train is delayed for more than six hours due to poor weather conditions, a strike, industrial action or mechanical breakdown.
What you are not covered for
Section C - Breakdown
What you are covered for
We will pay a benefit of £75 if You cannot reach the Travelodge You have booked to stay in because the vehicle in which You are travelling during the Trip is directly involved in an accident or suffers a mechanical breakdown (this would not include Your vehicle running out of fuel, oil or water) during the Period of Insurance.
What you are not covered for
Additional Claims evidence required for all section A
Additional Claims evidence required for section B
Additional Claims evidence required for section C
Please note: This is not a full list and We may require other evidence to support Your claim.
Atlas Insurance PCC Limited is a cell company (Company Registration No: C5601) authorised by the Malta Financial Services Authority to carry on general insurance business. The non-cellular assets of the company may be used to meet losses incurred by the cells in excess of their assets.
Cell Limitation Clause
Atlas Insurance PCC Limited may create one or more cells for the purposes of segregating and protecting cellular assets. The assets of the Travelodge Cell are thus protected from the liabilities of the other cells and from those of Atlas’ core.
You agree that
Data Protection
Atlas Insurance PCC Limited or their agents and managers may hold information given by you on computer and may use that information to verify your claims/insurance history and may pass it on to other insurers for the purposes of underwriting and of claims in order to prevent fraudulent claims.