BreakFree Holidays Travel Insurance

For your peace of mind

As part of our online booking process you will be offered comprehensive single trip travel insurance which provides cover, for you, your party, and where this forms part of your trip, your vehicle.

Our policies which are insured by ETI – International Travel Protection (ERV) provide protection for the following eventualities:

  1. Cancellation & Curtailment (not included for promotional/newspaper bookings)
  2. Travel Delay & Abandonment (Europe only)
  3. Personal Accident
  4. Emergency Medical Expenses
  5. Personal Property
  6. Delayed Baggage (Europe only)
  7. Money & Documents
  8. Personal Liability
  9. Car Breakdown Recovery (UK only) - this section of cover is only available where the following conditions are met:
    • the vehicle is your own private car or a motor caravan or a motor cycle not over 120cc
    • at the start of the trip the vehicle is in a roadworthy condition, regularly serviced by a garage or yourself in accordance with the manufacturer’s instructions and recommendations
    • the vehicle is less than 10 years old at the date of policy issue
    • the vehicle is driven by a person who holds a valid UK driving license and is not under the age of 17 or over 75
    • the vehicle is driven from your home to a holiday location in the UK
  10. Medical health requirements
    This insurance policy is designed to cover you for unforeseen illnesses and accidents occurring during the period of insurance. If you have a history of any medical condition you must call the Towergate Medical Line on the following telephone number prior to the start of any trip in order to establish whether we can provide cover for you.

    Telephone the Towergate Medical Line on 0344 892 1698.

    You may be subject to further terms and conditions which will be sent to you in writing. You may have to pay an additional premium to cover your medical conditions.

    If circumstances change after you have taken out this insurance, we reserve the right to alter the terms of this insurance based on the changed circumstances. Cover for the conditions will only be provided following our acceptance. If you have any queries please do not hesitate to contact the Towergate Medical Helpline on 0344 892 1698.

For an overview of our cover, please use this link:

For details of the policy limits and a summary of what’s covered together with the key exclusions and conditions of the insurance, please use the links below. Please note that this insurance is only available to BreakFree Holidays customers who reside in the UK.

To review the full policy document, please use these links:

You must take reasonable care to answer all questions carefully and accurately as failing to do so could invalidate your insurance cover and future claims.

GFM Holdings Ltd t/a BreakFree Holidays is an Appointed Representative of Global Travel Insurance Services Limited who is authorised and regulated by the Financial Conduct Authority under firm reference number 305686. You can check these details by visiting the Financial Services Register at


Notice to Policyholders

With effect from 25 May 2018, the General Data Protection Regulation (GDPR) comes into force. Therefore, the ‘Confidentiality and Data Protection’ section of your policy will be replaced by the wording below:

Use of personal data

Towergate Underwriting Group Limited is the Data Controller. Towergate is part of The Ardonagh Group of companies, and we may share your information within The Ardonagh Group (see for details). We will use your personal information to:

  • Assess and provide the products or services that you have requested
  • Communicate with you in relation to servicing and administering your product
  • Develop new products and services - Undertake statistical analysis to help us improve our services and products
  • Contact you about products that are closely related to those you already hold with us
  • Provide additional assistance for these products or services
  • Notify you of important changes to products and functionality changes to our websites

Only where you have provided us with consent to do so, we may also from time to time use your information to provide you with details of offers relating to additional products and services from The Ardonagh Group.

We follow strict security procedures in the storage and disclosure of your personal information in line with industry practices.

Further information is contained in our Fair Processing Notice, full details of which can be found here This explains who we are, the types of information we hold, how we use it, who we share it with, how long we keep it for and informs you of certain rights you have regarding your personal information. If you are unable to access this website, details can be obtained by contacting the address or telephone number indicated in any recent correspondence or emails you have received from us.

You can also contact us for general data protection queries via email to or in writing to The Data Protection Officer, care of the office of the Chief Information Officer, The Ardonagh Group, 55 Bishopsgate, London, EC2N 3AS.

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