Bonding by Insurance

The process

We have developed an interactive travel bond online service to help make your application as straightforward as possible. Call us for a short discussion and once suitability has been established, a travel bond application form can be completed online. Once completed and you have provided the supporting information this will be assessed by our underwriters.

Our travel bond underwriters will get an overview of your business and objectives from the information you have provided, but to develop their understanding, they will invariably contact you – this is where the relationship really begins.

We believe our key strength is the knowledge that there is nothing more important than client service.

Over 90% of our clients renew with us each year and we believe that part of our underwriting success is a result of the personal interest we take in getting to know our clients and their business.

Understanding your travel business and future plans allows us to take account of your future travel bonding and travel insurance requirements.

At any point during the underwriting process our underwriters will be happy to answer any queries regarding the progress of the application and afterwards our knowledgeable staff are always happy to help whenever they are needed.

If we offer a quotation, the terms will be set out in writing. Following payment, we lodge your travel bond or policy and send you a copy. We work hard to make the process easy for you.

  • Bonding by insurance

    Bonding by insurance is practical and straightforward and the costs compare favourably with the alternatives. It also has additional advantages as cash sums and other business assets are not tied up as they would be normally to guarantee a bank bond. Trust accounts can be a barrier to growth, restrict cash flow and are administratively burdensome. Mid-term variations to your bond, if arranged by insurance, are also straightforward to put in place. It is the ideal way to meet your regulatory requirements and is suitable for all types of travel organisers.

    t&g offer a comprehensive range of travel bonds and liability insurance products for tour operators and travel agents. We have been issuing travel bonds since 1983. We issue travel bonds for more travel organisers and agents than any other, which allows us to offer better premium rates and an enhanced service to our clients. We can provide all the travel bonds required by UK and Irish travel organisers and travel agents.

    t&g provide ATOL bonds to the CAA and ABTA Tour Operator plus ABTA retail bonds to ABTA.

    t&g will be able to assist you with arranging an ATOC bond to provide cover to rail companies against the failure of an Agent or Tour Operator.

    Our experienced underwriters provide competitive quotations and supply CAR and ITAA bonds to the Irish travel industry regulator.

    t&g provide IATA bonds and all airline guarantees in addition to CPT and Bonded Coach Holiday (BCH) bonds.

    If you would like to discuss any of these travel bonds or travel industry liability insurance products, please contact us. We would be happy to consider requests for other types of travel bonds, payment default or financial failure insurance products within Europe as required by travel organisers.

    Click here for some of the main bond types.

  • Pay as you go per passenger insurance

    t&g’s Total Payment Protection (topp) policy is a cost effective alternative to bonding by insurance. It is a pay-as-you-go per passenger insurance policy and will provide peace of mind to you and to your customers.

    It is suitable for travel organisers who wish to cover their non-flight inclusive (non-licensable) turnover. The policy can also be extended to cover accommodation only sales and single element tour operating sales such as car hire, ski passes and ferry travel sales when sold by the travel organiser as principal. You do not have to join a trade association to get this protection.

    t&g administers the topp policy and our staff will be able to quickly ascertain your suitability for it. Click here for topp criteria.

    Click here for additional guidance about topp.

    Click here if you are a member of the public checking about topp cover.

    Travelling with topp – what to do in the event of failure?

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