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Need some guidance on what happens next? We’re here to support you.
In line with government guidance and to keep our employees safe, all the Towergate Health & Protection offices are now closed but we remain available as we are all working from home, continuing to deliver the excellent standard of service our customers have come to expect.
We are experiencing a high number of phone calls at the moment, so please bear with us if it takes a bit longer than normal to get through to us.
Our normal phone lines are all still up and running but it might be easier to email us initially, due to the amount of calls we are receiving. We will let you know as and when the situation changes.
Stay safe and thank you for your continued support.
The NARPO travel policy
You’ve worked hard all your life and now deserve to enjoy your retirement.
Through Towergate Health & Protection and AXA PPP healthcare, we offer access to a travel policy with subscription rates just for NARPO members.
The plan is open to all NARPO members providing they reside in the UK.
New Members can join provided they are less than 85 years old at the point of joining, but once they have joined, there is no age limit.
For further details about the policy please contact Towergate Health & Protection on 0800 389 7724 or email haps-Narpoenquiries@towergate.co.uk Their office hours are Monday – Friday 9am – 5pm
Calls may be recorded for training and monitoring purposes.
As an independent intermediary to NARPO, Towergate Health & Protection provides you with a free service, to answer your questions about the different policies and to assist you with claims issues and offer advice.
Health and Protection Solutions Ltd trading as Towergate Health & Protection is authorised and regulated by the Financial Conduct Authority’.
Please click here or further details about travel insurance for non-UK based NARPO members.
In general, travel insurers compensate for cancellations only under certain circumstances:
Many policies provide cover for cancellation and curtailment where the Foreign and Commonwealth Office (FCO) advice has changed after you purchased your policy or booked your trip, whichever is later. If you buy a policy for a destination where an outbreak has been reported or a travel advisory notice is already in place, then coronavirus claims are unlikely to be considered by your insurer.
If you have booked a package holiday, you should approach your tour operator in the first instance. If you are then passed in the direction of the insurer, each potential claim will be looked at on a case by case basis.
Your travel policy wording sets out exactly what is and isn’t covered. If you’re unsure about this or have questions, please call your adviser who will be happy to help.
You should monitor the situation through official sources such as:
Update 31st March 2021
As you may be aware, we offer our members the option to purchase Standalone Annual Travel insurance via our intermediary Towergate Health & Protection and the insurer AXA Health.
AXA Health has informed us via Towergate Health & Protection of its decision to cease providing this cover to NARPO members.
For members that have purchased standalone Travel Cover via Towergate Health & Protection, this means when their travel cover renews after 1st May 2021, it will be their final 12 months of cover with AXA Health. All affected members will be written to by AXA Health in good time before the renewal date with more detail about the impact on cover for the affected members.
Furthermore, AXA Health will cease to offer travel insurance via Towergate Health & Protection to NARPO members wishing to join (or re-join) the scheme from 31st October 2021.
We have instructed Towergate Health & Protection to source an alternate travel insurance product which can be purchased from them and we hope they will have this in place by summer 2021.
If you require any advice regarding either your existing travel policy, or if you are considering joining the travel insurance scheme, please contact Towergate Health & Protection on 0800 3897724 or email firstname.lastname@example.org .
Please note that any annual travel insurance purchased as an option on an AXA Health Private Medical Insurance plan will continue to renew as usual
Update 1st August 2020
AXA PPP healthcare are open for new business travel effective from 1st August 2020 with the addition of the pandemic exclusion
Please see the following link for further information
Update 1st June 2020
Important information about AXA PPP healthcare Annual Travel Insurance
In response to the current circumstances we’ve set out some additional options and specific considerations for you to think about.
Please use the following link to Coronavirus FAQ'S
On 16th March, Towergate received the following notification from AXA PPP :
We have been assessing the Covid -19 situation here at AXA PPP and now have a decision on how we move forward.
Most importantly now that COVID-19 has been classed as a pandemic, it is no longer viewed as an unforeseen event.
In line with other providers in the market, including AXA Insurance, we will use our existing policy terms to reject cancellation claims from members who booked their trip or purchased their travel insurance policy after 9am 14th March 2020 due to Covid-19.
We should warn any customer wishing to purchase travel insurance as a standalone cover or as an add on to one of our PMI policies that this is our position.
We have made this decision because cancellation as a result of COVID-19, is now considered something the member should reasonably have known about before they purchased their travel insurance or booked their overseas journey.
Cover on both new and existing travel policies will continue to include cover for medical treatment should a member choose to travel within FCO advice and fall ill with COVID-19. This is the case so long as the member was fit to travel.
NARPO is an Introducer Appointed Representative of Towergate Health & Protection. Health and Protection Solutions Ltd, trading as Towergate Health &Protection, is authorised and regulated by the Financial Conduct Authority.
The NARPO travel and private medical insurance arrangement is underwritten by AXA PPP healthcare Limited. Registered in England number 3148119. Registered office: AXA PPP healthcare, 5 Old Broad Street, London, EC2N 1AD. AXA PPP healthcare is authorised by the Prudential Regulations Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
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