We strongly advise all our customers to take out travel insurance to cover medical and repatriation costs, personal injury, loss of baggage and cancellation charges. It is not compulsory for our tours within the United Kingdom but it is compulsory for our tours operating outside the United Kingdom. If you do not have adequate insurance and require our assistance whilst on holiday, we reserve the right to reclaim from you any medical repatriation or other expenses which we incur on your behalf which would otherwise have been met by insurers.