Wide-ranging cover

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This is a summary of the main cover limits for each insured person.

Click here for full policy terms & conditions including excesses.

Click here to see the Acceptable Activities covered free of charge.

 
Essential

Standard

Premier
Sections of cover Single Trip Only Single Trip & Annual Multi-trip Single Trip & Annual Multi-trip
Cancellation or Curtailment Charges 

Cover for irrecoverable and unused travel and accommodation costs that you have paid or are contracted to pay if you have to cancel or cut short your trip for reasons including illness, jury service, redundancy.

Please see Policy Wording for full details.


£750 £2,000 £4,000
End Supplier Failure 

Provides cover in the event the holiday or trip has to be cancelled due to the financial failure of your travel or accommodation provider and you are unable to recover your pre-booked travel and accommodation costs elsewhere.

Please see Policy Wording for full details.


n/a n/a £4,000
Emergency Medical and Other Expenses 

Cover for emergency medical costs following an accident or illness during your trip including agreed medical repatriation, funeral costs abroad and additional travel and accommodation expenses.

Please see Policy Wording for full details.

£5,000,000 £5,000,000 £10,000,000
Hospital Inconvenience Benefit 

Provides compensation payment for each 24 hours you are an inpatient due to accidental bodily injury or illness sustained abroad (maximum amount applies).

Please see Policy Wording for full details.

£200
(£10 per day)
£400
(£25 per day)
£800
(£50 per day)
Personal Accident 

Provides a single payment as a result of accidental bodily injury following death, total and permanent loss of sight in one or both eyes and permanent and total disablement preventing you from engaging in paid employments or paid occupations of any kind within 12 months of the accident.

Please see Policy Wording for full details.


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£5,000 £15,000 £20,000
Baggage and Passport 

Cover for accidental loss, theft or damage to baggage.

Please see Policy Wording for full details.


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n/a £1,500 £2,000
Personal Money and Documents 

Cover for accidental loss, theft or damage to personal money and travel documents including driving licence, passport and travel ticket. Cover for foreign currency starts 72 hours before your trip.

Please see Policy Wording for full details.


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n/a £300 £750
Personal Liability 

Cover should you become legally liable to pay compensation.

Please see Policy Wording for full details.

£2,000,000 £2,000,000 £2,000,0000
Journey Disruption/Airspace Closure  

Provides cover as a result of disruption caused by a natural disaster such as a volcanic eruption, or if the Foreign & Commonwealth Office (FCO) advises against travel to your holiday destination. Cover applies if you book individual elements of your trip separately.

Please see Policy Wording for full details.

n/a n/a £4,000
Delayed Departure (after 10 hours)  

Cover for a compensatory sum for each 10 hours delay due to strike, industrial action, adverse weather or mechanical breakdown of your public transport.

Please see Policy Wording for full details.


 
or
 
Trip Cancellation (after 10 hours delay) 

Cover for you having to cancel your trip due to strike, industrial action, adverse weather or mechanical breakdown of your public transport.

See Policy Wording for full details.

n/a
 
 

n/a
£100
(£25 each 10 hours delay)
 
£2,000
£250
(£50 each 10 hours delay)
 
£4,000
Missed Departure/Missed Connection 

Cover for additional accommodation and travel expenses to reach your overseas destination incurred as a result of strike, industrial action, adverse weather, your car being in an accident or breaking down or your connecting flight being delayed.

Please see Policy Wording for full details.

n/a £350 £700
Travel Risks 

Compensation payments if you are hijacked, kidnapped, in hospital due to being mugged or incur additional travel and accommodation costs due to a catastrophe.

See Policy Wording for full details.


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Legal Expenses 

Cover for Legal costs and expenses incurred in pursuing a claim against a Third Party due to death or personal injury.

See Policy Wording for full details.

n/a £15,000 £20,000
Loss of Sports Activity Pack 

Non recoverable pre-paid fees and charges in relation to sporting activities.

See Policy Wording for full details.

n/a £200 £500

Winter Sports


Winter Sports can be added for an additional premium on Standard and Premier cover. You can select the Winter Sports option during the quote process.

Click here for limits and activities covered

Excesses

  • An excess of £100 applies to Emergency Medical and Other Expenses.
  • An excess of £75 applies to Cancellation or Curtailment Charges, Baggage and Passport, Personal Money and Documents, Trip Cancellation and Ski Equipment loss/damage.
  • An excess of £15 applies to Loss of Deposit claims
  • A £200 excess applies to Personal Liability claims in respect of property damage only.

Note
The excess is deducted from each claim event. If you select 'Excess Waiver' during the quote process (additional premium required) the excess would be reduced to Nil. This does not apply to any excess imposed following a call to the Medical Screening Line.