Towergate Underwriting Travel Solutions
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1 Towergate Underwriting Travel Solutions incorporating Towergate Chapman Stevens and Towergate Chase Parkinson The Travel Industry Specialists
2 Welcome to Towergate Underwriting Travel Solutions We, here at Towergate Underwriting Travel Solutions, are a specialist broker supporting the UK Travel Industry with a range of innovative insurance products. We provide insurance to some of the UK s largest Tour Operators and Travel Agents and our specialist team work closely with key providers and can offer terms that are exclusive to us. With years of experience and our understanding of the market as a whole, we have gained a reputation for delivering great products and service and our solutions and products are recognised by many trade organisations. Our product range includes, but is not limited to: Travel Insurance Schemes Travel Bonds Financial Failure Tour Operators & Travel Agents Liability Insurance Office Combined Insurance
3 Meet the Team Tony Gilpin Managing Director Tony joined the company in 1996 as Travel Manager; he has since worked his way up the ranks and passed a Diploma in Business Management Degree in His contribution, hard work, ability to drive new business and results saw him being appointed Managing Director in 2009 following the retirement of Chris Vander. Following a business restructure in 2012, Tony became joint Managing Director of Chapman Stevens & Chase Parkinson. The businesses have since merged. Under his direction, the Towergate Underwriting Travel business & team continue to grow and achieve great results. Tony has a wealth of experience in all Travel related matters and is widely recognised as one of the leading lights in respect of Insurance Cover to meet the 1992 EC Package Travel Regulations. We now act as Business Partners to ABTA, IAGTO & the Coach Tourism Council. Outside of work, for his sins Tony is a Nottingham Forest fan, but when he is not holding his head in his hands, he is enjoying his time with his wife & 2 young children. Tony also likes to give back and partakes in many challenges for Charity such as parachute jumping, sailing, bungee jumps & half marathons. Tony also likes to Garden, play football & snooker when time permits. Steve Browne Senior Account Executive Steve manages a portfolio of existing clients and combines this with new business activities across our range of travel industry products, as well as coordinating and delivering our travel insurance training provision across the portfolio as a whole. He also acts as a liaison with our regulatory solution provider. Out of work his time is taken up driving his three children to their extensive range of sporting and social activities. Somehow, he has actually found time to help out with his daughter s football team. Steve is a keen cook and a bit of a film buff. Tony Duke New Business Development Executive Having previously worked within the travel industry for nearly 20 years, his main focus is on bringing in new business from all travel related companies and making sure that they receive the best service possible, being a strong believer in providing a professional service and maintaining a good working relationship. Outside of work Tony enjoys spending time with his family by doing various activities. If he is really lucky, he might be able to get out for a round of golf or two at some point in the year. He enjoys socializing with his friends, watching various sports, camping and walking. Like most people, Tony enjoys holidaying abroad and has visited Cuba, Grenada, Jamaica, Mauritius and Thailand as well as several European destinations.
4 Meet the Team Francesca Edwards Team Leader (Declaration Team) and Contracting Assistant Francesca acts as support for the contracting and sales teams and the Operations and Underwriting Director, answering policy queries from clients and customers alike. This year, she started overseeing the in-house accounts declaration team, helping to resolve any queries/issues with rates, updating systems and generating reports. She also assists in other departments as required. Prior to joining Towergate, Francesca completed her undergraduate degree in archaeology and likes to visit museums/historic sites in her free time the British Museum being a firm favourite. She is also an avid reader and likes to spend time with her family or socialise with friends over dinner and drinks or a trip to the cinema. Sam Sciortino Commercial Team Leader Sam manages the commercial department s activities, getting involved in new business and renewal negations and assisting mainly Tour Operators/Travel Agents on policies required to comply with the EC Directives and Package Travel Regulations. We are specialists in Tour Operators Liability and Financial Failure Cover. Outside of work, Sam is an avid gym goer, Arsenal supporter and follows boxing and UFC. Sam enjoys spending time with his family and friends and appreciates good food. Helen Beardon Senior Claims Handler Helen heads up a team of 2 claims handlers and 2 admin staff and personally handles a range of retrospective claims and live medical overseas cases which require immediate attention. In addition to this, she audit claims files on a monthly basis, produces end of the month reports, on-call for the overseas medical emergencies 24/7 along with other responsibilities. Outside of work she enjoys reading, shopping (like all women), gardening and not thinking about work. Beverley Tavener Senior Medical Administrator Beverley manages a small team in the medical screening department where they assess the extent of risk from customers contacting us with their pre-existing conditions and applying the appropriate insurance terms in line with the Company and Underwriter philosophy and practice. Outside of work she likes spending time with her family and friends, walking her dog, sewing & playing with her adorable grand children.
5 Travel Insurance We provide bespoke insurance solutions to some of the UK s largest Tour Operators and Travel Agents with products tailored to meet passengers specific needs, ensuring high level of consumer uptake. In-house expertise means we do not simply broke a risk, we: Create a tailored multi product offer Underwrite the exposure Manage Medical Screening services (in house) Manage Claims (in house) Assist in generating a high level of consumer uptake We manage the whole supply process; product positioning, pricing and subsequent customer experience to ensure our clients brand values are protected With our many years of experience and a vast number of policies distributed by our partner clients, we have a proven track record that sets us apart travel insurance is our business Our Travel Insurance Services Product review and claim management health check:- A confidential no obligations review allowing an appraisal of existing insurance arrangements to identify areas of product, service, sales conversion and sales margin improvement. Tailored product creation This provides focus, segmenting our client s offer from general products available elsewhere. Our goal is to provide specific USPs; products that match the travel programme, brand and customer aspirations. For this reason we often develop a multi product approach giving the consumer choice under one master brand. Design and supply of personalised/branded documentation Policies are produced using your logo to reinforce your brand image. Usually these are provided in PDF format for easy hosting on our client s booking and enquiry systems. Sales support Direct sales support is always provided in order that informed advice and materials are given to the customer at the point of sale. This training is client specific and provided either on or off site according to your requirements. Medical screening services A fully managed approach supplied by our own call centre. We provide a one to one solution for those travellers with health conditions. Staffed by trained operators and overseen by a trained nurse, this discreet service gives absolute peace of mind before travel, while at the same time providing an environment which reduces miss-selling in this difficult area of policy interpretation. Financial security The financial security provided by insurance companies is of paramount importance. As a result we only place business with leading UK and European insurers. Regulatory requirements Undertaking insurance activities brings you into an environment regulated by the Financial Conduct Authority. However, we can provide assistance in this area, if required, to minimise the regulatory impact on your day to day activity. Claims managements To meet the demand for claims managements we operate to strict service levels. Within the embedded processes data is continually monitored, QM practices maintained with audit control functions that embrace; claim reserving, payment control, recoveries, time to settle, customer satisfaction, etc. In our business each claimant receives a dedicated Claims Handler to assist throughout their claim the Towergate difference that protects your brand and maintains customer loyalty.
6 Bonds and Financial Failure Insurance Bonds are traditional instruments of financial protection where we can add real value to the placement process due to our expertise and market reach. Often tied to Trade Associations and Licensing Bodies we support: ABTA AITO ATOL ATOC BCH CAA IATA Financial Failure is a credible alternative to the traditional bond route. We are one of the market leaders in financial failure insurance and passenger protection insurance. We have created a financial failure insurance scheme, which is easy to administer, in order to meet the requirements of The Package Travel Regulations. Financial Failure enables clients to free cash flow into their business. Advantages of Financial Failure over a traditional bond: Quotation - Acceptance decision within 48 hours Financing no large upfront fees required (pay as you need it) Ease of process no quarterly declarations or mid-term financials Consumer confidence branded protection (add to your documents) Effective pricing low cost, per passenger basis
7 Tour Operators & Travel Agents Liability Insurance The Package Travel, Package Holidays and Package Tours Regulation 1992 made package travel organisers liable for the acts, errors and omissions of any supplier used in conjunction with a package holiday. It is important that your business is adequately insured against this type of claim or action. A number of areas where you are at risk include: Negligence of your suppliers Injury Disease or illness suffered by your passengers whilst on your holiday Claims arising out of mistakes made during the holiday arrangements Loss of enjoyment / ruination of holidays of a lifetime There are two main areas of cover provided: Public and Products Liability: Cover for the Tour Organiser/Operator against claims such as food poisoning and personal injury whilst passengers are in the care of suppliers connected with the package i.e. Hotels and transportation providers. Professional Indemnity Insurance: Cover for the Tour Organiser/Operator for misinterpretation and incorrect information in brochures and other advertising. Key Features: Public Liability cover up to 25,000,000 Bespoke cover tailored to meet specific business needs and requirements Competitive pricing Expert Knowledge and client support Employers Liability
8 Tour Operators & Travel Agents Office Combined Insurance Our Office Combined Insurance has been specifically designed with the needs of the UK travel trade in mind. It is suitable for all Tour Operators and Travel Agents and includes dynamic packaging cover for Travel Agents (where turnover in this area does not exceed 25% of the overall business turnover). The Package Travel, Package holidays and Package Tours Regulation 1992 made package travel organisers liable for the acts, errors and omissions of any supplier used in conjunction with a package holiday. It is important that your business is adequately insured against this type of claim or action. There are two main areas of cover provided: Public and Products Liability: Cover for the Tour Organiser/Operator against claims such as food poisoning and personal injury whilst passengers are in the care of suppliers connected with the package i.e. Hotels and transportation providers. Professional Indemnity Insurance: Cover for the Tour Organiser/Operator for misinterpretation and incorrect information in brochures and advertising materials etc. Key Features: Public Liability cover up to 25,000,000 Employers Liability Office Contents and Building Legal Expenses Bespoke cover tailored to meet specific business needs and requirements Competitive pricing Expert Knowledge and client support
9 All of our services include: Confidential, no obligation review allowing an appraisal of existing arrangements to identify areas of improvement and cost saving. Access to specialist underwriters with high security rating who understand this complex area of risk. Selection of an appropriate risk carrier (sometimes exclusive to Towergate). Individual strategy for your business, with guidance and support throughout the application and placement process. Annual review of the markets to ensure we deliver quality products that suit you or your clients business needs and requirements. Financial security: Security in any long term partnership is of paramount importance, particularly in the area of financial protection. Towergate regularly monitor insurers and in particular their credit ratings, ensuring only reputable insurers are used. Towergate Underwriting Travel Solutions are members of the following Trade Associations: ABTA The Travel Association The Association of Travel Insurance Intermediaries The Institute of Travel and Tourism The Coach Tourism Council (CTC) The International Association of Golf Tour Operators (IAGTO) The Foreign & Commonwealth Office s Know Before You Go campaign Contact Us Tel: Fax: tcs@towergate.co.uk
10 Towergate Chapman Stevens, Towergate Chase Parkinson and Towergate Underwriting Travel Solutions are trading names of Towergate Underwriting Group Limited. Registered in England No Registered Office Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3EN. Authorised and regulated by the Financial Conduct Authority
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