Note from Chairman
As previously reported in the Autumn Retired Lines newsletter, the BTP Federation has allowed NARBTPO members to piggy-back onto their Group Insurance Scheme. The Scheme appears to be very competitive but it is of course a matter for individual members to decide whether the offering is appropriate for them. The information set out below explains the policies in detail and the method of commencing the policy if any member makes a decision to do so.
Note from Insurance Brokers
Officer Insurance Cover is part of Everywhen, the UK’s largest insurance broker.
We currently offer insurance packages to the British Transport and the Metropolitan Police Federation members, and together we look after over 35000 Police Officers, Retired Officers and their families.
We are delighted to be able to offer the members of NARBTPO the opportunity to have their own ‘Group Insurance Scheme’
By using the buying power of the British Transport Police Federation, we are able to offer you products at a hugely discounted price than you would usually be able to find and it.
Should you wish to take this offer up please call Officer Insurance Cover on 0345 266 8985 or email enquiries@officersinsurancecover.co.uk
You can also find these details on your scheme document.
Useful Contacts
| Officer Insurance Cover | 0345 266 8985 | enquiries@officerinsurancecover.co.uk |
| GP Care on Demand | 0203 499 4891 | Quote Code TRANSPORT2020 |
| Worldwide Travel Claims | 0800 193 3326 | ah-claims@ortusunderwriting.com |
| RAC Breakdown Assistance | UK 0330 159 1320 | Quote Code TG078 |
| Europe 00 33 472 435255 | ||
| Cyber SOS | 0333 370 1529 | |
| Phone & Gadget Claims | 0300 020 0044 | Online Claim Portal https://policefed.taurus.claims/ |
Explanatory notes regarding Cruise Travel
Cruise Cover
We are pleased to confirm that cruise holidays are covered under your travel insurance policy.
Cruise Coverage Summary
Your policy includes protection for cruise travel, including:
Medical & Repatriation Cover
If you require hospital treatment on dry land during a cruise, the policy covers reasonable travel and accommodation costs to rejoin the cruise or reach its final destination.
Missed Cruise Departure
If you miss the cruise departure due to strike, adverse weather, mechanical breakdown, or other events beyond your control, the policy covers additional travel and accommodation expenses to catch up with the cruise.
Cancellation or Curtailment
Cover is provided for irrecoverable costs if your cruise is cancelled or cut short due to illness, injury, death, redundancy, jury service, or other insured events, including COVID-19.
Travel Delay
Compensation is available for delays exceeding 12 hours due to covered events affecting your cruise departure.
Personal Baggage & Money
Loss, theft, or damage to personal belongings during the cruise is covered, subject to policy limits.
Catastrophe Cover
Additional travel and accommodation expenses are covered if you are forced to leave pre-booked accommodation due to a major natural disaster.
Calling Ports – What You Should Know
While calling ports (scheduled stops during a cruise) are not directly covered, the policy may apply in the following situations:
- Covered:
- If you miss a port due to a medical emergency and need to rejoin the cruise — covered under Section 4.
- If a pre-booked excursion at a port is missed due to illness or trip curtailment — may be covered under Section 1.
- If a natural disaster or quarantine affects a port and forces evacuation — covered under Section 13.
- Not Covered:
- Missed ports due to late return, cruise itinerary changes, or personal reasons.
- Missed entertainment or general activities at ports.
- Routine changes made by the cruise operator (e.g. skipping a port due to weather) are not covered.
Cabin Confinement Due to Illness
If you are confined to your cabin due to illness:
- Medical treatment and trip curtailment are covered under Sections 1 and 4.
- If your illness requires in-patient treatment, you may be eligible for a hospital benefit under Section 5.
- However, cabin confinement alone, without hospitalisation or additional costs, is not directly covered.
The policy does not provide compensation for loss of enjoyment or missed entertainment due to illness unless it leads to a claimable event.