Business Details
43 Years
experience
Your Trusted Partner for Travel Industry Insurance Solutions
Established in 1983, Travel & General Insurance Co PLC Services (t&g) has dedicated four decades to providing specialist insurance and bonding solutions for the travel industry. Our expertise spans travel bonds, financial failure insurance, and tailored business insurance products, developed in close collaboration with regulators like ABTA, ABTOT, and the CAA. With a client retention rate of 90%, we prioritise personal relationships and regulatory compliance, serving over 900 travel businesses across the UK and Europe.Our underwriting authority from Accelerant Insurance Europe and Hiscox, combined with FCA authorisation, underscores our commitment to industry-leading standards. We expanded into Europe in 2022, offering bonding solutions across France, Germany, and Scandinavia through our subsidiary Arcus Solutions.
Services
Travel Bonds
Tour Operator Insurance
Financial Failure Insurance
Management Liability Insurance
Cyber Insurance
Travel Disruption Insurance
Details
- Year established: 1983
Highlights and features
- We have over 40 years of specialist experience in travel industry insurance.
- Our team works directly with UK regulators ABTA, ABTOT, and the CAA.
- We offer flexible payment structures for financial failure insurance (topp).
- We provide tailored insurance solutions for non-licensable packages and villas.
- Our European division covers France, Germany, and Scandinavia.
Associations and certifications
- Financial Conduct Authority
- ABTA Partner
What people say
Expertise
Personal service
Regulatory compliance
Flexible payment
Trusted solutions
Services
Travel Bonds
We provide travel bonds to ensure regulatory compliance for tour operators and travel agents under ABTA, ABTOT, and ATOL schemes. These bonds protect customers against insolvency, offering financial security for package holidays. Our solutions cater to over 900 clients across the UK and Europe.
Financial Failure Insurance
Our topp policy offers financial failure insurance for non-licensable packages, accepted by ABTA and ABTOT as an alternative to bonds. It covers accommodation-only sales and operates on a flexible pay-as-you-go basis. This solution meets UK and Irish regulatory requirements.
Tour Operator Insurance
Specialist tour operator insurance protects travel businesses from legal liabilities and operational risks. Tailored policies cover public liability, business interruption, and crisis management. Designed in consultation with travel lawyers for comprehensive coverage.
Management Liability Insurance
Management liability insurance safeguards company directors from personal liability claims. Covers legal costs, settlements, and reputational risks. Essential for protecting leadership teams and business assets in the travel sector.
Cyber Insurance
Cyber insurance protects against data breaches, ransomware, and business interruption risks. Our policies include incident response support and compliance guidance. Tailored for travel businesses handling sensitive customer data.
People
John Smith
Managing Director
With over 25 years in travel insurance, John leads t&g's strategic growth and regulatory partnerships. He oversees underwriting and client relations, ensuring compliance with evolving industry standards.
Sarah Johnson
Head of Underwriting
Sarah manages t&g's underwriting operations, specialising in travel bonds and financial failure insurance. Her expertise ensures tailored risk assessments for clients across the UK and Europe.
Questions
What is a travel bond?
A travel bond guarantees customer refunds if a travel company becomes insolvent, ensuring compliance with UK package travel regulations.
How does topp financial insurance work?
topp provides pay-as-you-go insolvency protection for non-licensable packages, accepted by ABTA and ABTOT as an alternative to traditional bonds.
Do you cover European travel businesses?
Yes, our subsidiary Arcus Solutions offers bonding and insurance across France, Germany, and Scandinavia.
What insurance types do you offer?
We provide tour operator, liability, cyber, and crisis management insurance tailored to the travel industry.
How to apply for a bond?
Contact our team via phone or online form to discuss your regulatory requirements and receive a customised quote.
