ABTA • By Industry Sector
NJH Partnership Contact: Anthony Kaye T: 020 7368 1154 E:
Anthony@campbellirvine.com njhinsurance.co.uk/index.html NJH Partnership (NJH) is part of the Campbell Irvine group that has been established for over 40 years. NJH is a one-stop shop providing insurance for the travel industry. It has offices in London and Essex, and specialises in arranging travel insurance schemes which can be retailed though its industry leading online systems. It can also provide the regulatory framework to comply with current FCA regulations relating to the sale of travel insurance. NJH has access to a number of different insurance providers and markets. Its Travellers Choice products have been specifically designed to meet the needs of travel agents and tour operators looking for the very best cover at the most competitive prices while offering flexibility in terms of commissions. Travel Insurance Partner no. 543
Auditors Business Sale & Acquisition Corporate Recovery Investment Partner no. 311
organisers are uniquely placed to sell travel insurance which has been tailored to their customers’ needs. It is good customer service as well as a valuable income stream. We will work with you to create a policy which covers your holidays and complements your customer care. As a specialist intermediary, our experienced
Royal Bank of Scotland plc Contact: Karyn Theron T: 020 7672 4326 E:
karyn.theron@
rbs.co.uk business.natwest.com/leisure-expertise NatWest is a UK-based banking and financial services company, headquartered in Edinburgh. NatWest provides a wide range of products and services to personal, commercial and large corporate and institutional customers. NatWest, along with a number of other well-known brands including Royal Bank of Scotland, Citizens, Charter One, Ulster Bank and Coutts, is a subsidiary of RBS. Banking Services Partner no. 605
and committed team provides a first-class service, we’re focused purely on the travel industry, which gives us a wealth of knowledge that you can tap into. Our policies, including annuals, are designed with your customers in mind. We believe that for travel organisers, selling competitively priced travel insurance is more than just a sale, it’s an extension of the customer care that you provide. And finally, we can also provide liability
Punter Southall Health & Protection Contact: Nicola Palmer T: 01274 588862 E:
richard.gould@pshp.co.uk pshp.co.uk As part of your ABTA membership benefits you have access to the health and wellness advice of Punter Southall Health & Protection. Punter Southall Health & Protection is an independent health and wellness specialist, working with companies of all sizes, consumers and their families, to source the best healthcare solution to suit your needs. Its expert consultant and customer service teams are renowned. Their knowledge, expertise and commitment means they get to know what really works for you and when relevant, are able to think further than the usual solutions. Private Healthcare Insurance Partner no. 141
t&g (Travel & General Insurance Services) Contact: Tshili Khupe T: 020 7065 5300 E:
tshili.khupe@
travel-general.com travel-general.com Travel & General Insurance Services (t&g) is a specialist intermediary focused on the travel industry. t&g has been providing travel bonds and travel insurance to travel organisers in the UK and Irish travel markets since 1983 and has gained a wealth of experience over the last 30 years making t&g an ideal insurance partner. t&g offers a personal service with an efficient
and convenient travel bonds online application process – combining we believe, the best of both the traditional and modern approach. Travel bonding is recognised by the regulatory authorities as the most effective means of providing this consumer protection. t&g provides all travel bonds required in the UK and Ireland, including ATOL bonds, ABTA bonds, ABTOT bonds, IATA Bonds, CPT bonds and CAR bonds. Bonding by insurance is practical and
PwC Contact: Julia Surry T: 0207 213 1033 E:
julia.surry@
uk.pwc.com pwc.co.uk The PwC travel advisory team has extensive experience working with companies of all sizes, offering integrated services including audit, tax, transaction services, corporate finance (raising external finance, buying and/or selling a travel business), performance improvement consulting (assisting in finding cost savings and optimising a company’s operations), business restructuring and insolvency (assisting companies facing financial challenges, such as a cash crunch to find new finance or exit their business) and forensics (accounts investigation to uncover fraud, for instance). In terms of travel-specific issues, PwC has
a thorough understanding of the regulatory requirements of the CAA (Civil Aviation Authority) under ATOL, and the requirements of ABTA and IATA under their schemes. PwC also has a specialist team who can advise on the Tour Operator’s Margin Scheme (TOMS). With c.15,000 partners and staff in offices around the UK, PwC can draw on the knowledge and skills of its people in the UK as well as leverage the strength of the entire PwC global network of more than 140,000 people in 149 countries to share thinking, experience and solutions to develop fresh perspectives and practical advice.
straightforward and the costs compare favourably with the alternatives. It also has additional advantages as cash sums and other business assets are not tied up as they would be normally to guarantee a bank bond. Trust accounts can be a barrier to growth, restrict cash flow and are administratively burdensome. Mid-term variations to your bond, if arranged by insurance, are also straightforward to put in place. It’s the ideal way to meet your regulatory requirements and is suitable for all types of travel organisers. t&g issues travel bonds for more travel
organisers and agents than any other insurance provider, which allows us to offer better premium rates and an enhanced service to our clients. We also offer a pay-as-you-go policy as a cost-effective alternative to cover non-flight inclusive turnover. It’s suitable for travel organisers who wish to cover their non-flight inclusive (non-licensable) turnover. The policy can also be extended to cover accommodation- only sales and single element tour operating sales, such as car hire, ski passes and ferry travel sales when sold by the travel organiser as principal. The Total Payment Protection policy (topp) is accepted by many trade associations, including ABTA, as a suitable means of financial protection and will provide peace of mind to you and your customers. t&g also provides a travel insurance facility
for travel organisers. Travel insurance is an essential part of any holiday and travel
142 ABTA CountryByCountry Guide 2016
insurance because no matter how well a travel itinerary is planned, things sometimes go wrong. It’s important that you take steps where possible to protect your business in these circumstances and is often a requirement for association membership. We will work with you to limit your liability and to protect your business, by securing liabilities insurance on your behalf. t&g works with a select number of respected insurers and will obtain a tailored quotation for your insurance needs. Terms are usually obtained within a matter of days, sooner if the enquiry is urgent. Car Hire Excess Insurance Credit Insurance Directors’ & Officers’ Liability Insurance Financial Failure Insurance – For Agents Financial Failure Insurance – For Principals Office Insurance Product Liability Insurance Professional Indemnity Insurance Travel Insurance Partner no. 604
Insurance, and Bespoke Travel Insurance Schemes for Passengers. Partner no. 049
UK General Insurance Contact: Stella Jones T: 0113 272 9000 E:
stella.jones@
ukgeneral.co.uk We’re Britain’s biggest specialist Managing General Agent (MGA), offering an exciting portfolio of niche personal lines products for insurance brokers. We’re changing the world of personal lines insurance. We want to be first to market with new ideas, opening up rewarding markets for brokers and trading partners. We want to be recognised as clear, straightforward and friendly, and for providing unbeatable service. And we want to be everyone’s first choice for personal lines insurance. Partner no. 585
Vantage Underwriting Contact: Jane Ager T: 020 7655 8067 E:
jane.ager@
vantageinsurance.co.uk vantageinsurance.co.uk Vantage Underwriting has a breadth of knowledge and experience in creating and providing innovative and tailor-made insurance products for the travel industry. It provides various forms of bespoke insurance for tour operators, travel agents, bed banks and others, underwritten by its team of travel industry specialists. Its main products include: combined liability
Touchstone Underwriting Contact: Stuart Burt T: 01923 298428 E:
stuart@touchstoneunderwriting.co.uk touchstoneunderwriting.co.uk Touchstone doesn’t deal direct. It works with partner insurance brokers who are its sole method of distribution. Your insurance broker will be able to tell you about Touchstone’s superb claims service, how it includes crisis response costs within liability cover for tour operators and how it provides 24/7 helplines for clients. Crisis & Travel Disruption Insurance Directors’ & Officers’ Liability Insurance Office Insurance Product Liability Insurance Professional Indemnity Insurance Partner no. 554
insurance, encompassing public liability, professional indemnity, and employers liability; crisis management insurance; directors’ and officers’ insurance; and office insurance. Claims are handled by a specialist team, and Vantage Underwriting can also offer guidance on booking terms and contracts with suppliers. Crisis & Travel Disruption Insurance Directors’ & Officers’ Liability Insurance Office Insurance Product Liability Insurance Professional Indemnity Insurance Partner no. 067
LEGAL SERVICES
Towergate Travel Solutions Contact: Tim Thornhill T: 01242 538412 E:
tim.thornhill@
towergate.co.uk towergatechapmanstevens.co.uk Towergate Travel Solutions has been in the insurance sector for over 40 years. We specialise exclusively in travel-related products. We provide companies with solutions that comply with the 1992 EC Package Travel Regulations. We deal with big, well-known tour operators right through to small independent travel agents. No client is too small or too big to benefit from our professional services and our constant aim to give 100% customer satisfaction. Our product range includes: ABTA Bonds, IATA Bonds, BCH Bonds, ATOL Bonds, HRMC Customs & Excise Bonds, Tour Operators/Travel Agents Liability
asb law Contact: Rebecca Thornley-Gibson T: 01293 603600 E:
Rebecca.Thornley-Gibson@
asb-law.com asb-law.com asb law has created one of the UK’s few dedicated travel sector legal teams, highly regarded for its experience and prominence by both clients and peers. You’re assured of a prompt, accurate response, whether you’re facing commercial opportunities or tackling legal risk. asb law has provided legal services to organisations in the travel (and aviation) sectors for over 20 years and has developed, not only significant sector-specific legal knowledge, but also a comprehensive understanding of the wider issues affecting your business. Its expertise in this field has resulted in the retention of clients from some of the key players in the UK’s travel industry. Recognised as one of the best firms in the UK for travel law related matters, its multi-skilled team is able to call upon a complete range of legal disciplines to provide a proactive and holistic approach to your needs. Arbitration & Mediation Aviation Law
countrybycountry.com
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