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We're here to look after you whilist you're away

Benefits

We offer three levels of Travel Insurance cover, Gold, Silver and Bronze, so you can choose the level of payments and cover you want.

Our travel insurance is designed to let you concentrate on enjoying yourself whilst you’re on holiday, with the peace of mind that you’re covered financially should anything go wrong.

Whether your holiday is cancelled for reasons beyond your control, your belongings get stolen or you have an accident whilst you’re away, you’ll be covered.

We’ve got a variety of cover options, whether you want to insure yourself for just one trip, or want to rest assured that you’re covered for each of the holidays that you take during a year. You can even add on Winter Sports cover if you’re off skiing or snowboarding and need that extra protection.

We know that money won’t make up for a spoiled holiday, but we do know that it can help to stop a bad situation from becoming worse.

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Benefit

Bronze

Medical Expenses*

£10,000,000 (Funeral expenses £5,000)

Cancellation*

£500

Ticket Cancellation (sporting events, concerts, theatre)

Not Included

Curtailment*

£500

Travel Delay

£80

Abandonment*

£500

Missed Departure*

Not included

Personal Accident

Death £5,000 (£1,000 if under 16). No cover provided for Loss of sight, loss of limb, or Permanent Total Disability.

Emergency Dental Treatment

£100

Repatriation

Included in Medical

Compassionate Return

Not included

Hospital Benefit

Not included

Personal Effects and Baggage*

£500 - including £100 Valuables, £100 Sports equipment, £100 Mobility Aids, Single Article Limit £100.

Delayed Baggage

£50 after 12 hours

Personal Money

£150 (nil if under 16)

Passport / Driving licence - temporary replacement costs

£100

Hijack Cover

Not included

Personal Liability

£2,000,000

Legal Expenses

£10,000

Catastrophe Cover

Not included

Additional Pet Care Fees

Not included

Scheduled Airline Failure Insurance

£500 (Annual Cover Only)

End Supplier Failure (including Scheduled Airline, Hotel, Tour Operator and Car Hire)

Not included

Benefit

Silver

Medical Expenses*

£10,000,000 (Funeral expenses £5,000)

Cancellation*

£1,500

Ticket Cancellation (sporting events, concerts, theatre)

Not Included

Curtailment*

£1,500

Travel Delay

£80

Abandonment*

£1,500

Missed Departure*

£200

Personal Accident

Death £10,000 (£7,500 if under 16). Loss of sight in one or both eyes, loss of limb, or Permanent Total Disability £10,000 .

Emergency Dental Treatment

£250

Repatriation

Included in Medical

Compassionate Return

Not included

Hospital Benefit

£250

Personal Effects and Baggage*

£1,500 - including £250 Valuables, £250 Sports equipment, £250 Mobility Aids, Single Article Limit £250.

Delayed Baggage

£75 after 12 hours

Personal Money

£200 (reduced to £100 if under 16)

Passport / Driving licence - temporary replacement costs

£250

Hijack Cover

£200 (£50 per day)

Personal Liability

£2,000,000

Legal Expenses

£25,000

Catastrophe Cover

£250

Additional Pet Care Fees

Not included

Scheduled Airline Failure Insurance

£1,500 (Annual Cover Only)

End Supplier Failure (including Scheduled Airline, Hotel, Tour Operator and Car Hire)

Not included

Benefit

Gold

Medical Expenses*

£10,000,000 (Funeral expenses £5,000)

Cancellation*

£5,000

Ticket Cancellation (sporting events, concerts, theatre)

£100 Annual Cover only

Curtailment*

£5000

Travel Delay

£200

Abandonment*

£5,000

Missed Departure*

£750

Personal Accident

Death £40,000 (£7,500 if under 16). Loss of sight in one or both eyes, loss of limb, or Permanent Total Disability £40,000.

Emergency Dental Treatment

£500

Repatriation

Included in Medical

Compassionate Return

£300

Hospital Benefit

£1000

Personal Effects and Baggage*

£2,000 - including £400 Valuables, £400 Sports equipment, £400 Mobility Aids, Single Article Limit £400.

Delayed Baggage

£75 after 12 hours

Personal Money

£500 (reduced to £100 if under 16)

Passport / Driving licence - temporary replacement costs

£300

Hijack Cover

£500 (£50 per day)

Personal Liability

£2,000,000

Legal Expenses

£50,000

Catastrophe Cover

£1,000

Additional Pet Care Fees

£150

Scheduled Airline Failure Insurance

Included in End Supplier Failure

End Supplier Failure (including Scheduled Airline, Hotel, Tour Operator and Car Hire)

£5,000

Benefit

Bronze

Silver

Gold

Medical Expenses*

£10,000,000 (Funeral expenses £5,000)

£10,000,000 (Funeral expenses £5,000)

£10,000,000 (Funeral expenses £5,000)

Cancellation*

£500

£1,500

£5,000

Ticket Cancellation (sporting events, concerts, theatre)

Not Included

Not Included

£100 Annual Cover only

Curtailment*

£500

£1,500

£5000

Travel Delay

£80

£80

£200

Abandonment*

£500

£1,500

£5,000

Missed Departure*

Not included

£200

£750

Personal Accident

Death £5,000 (£1,000 if under 16). No cover provided for Loss of sight, loss of limb, or Permanent Total Disability.

Death £10,000 (£7,500 if under 16). Loss of sight in one or both eyes, loss of limb, or Permanent Total Disability £10,000 .

Death £40,000 (£7,500 if under 16). Loss of sight in one or both eyes, loss of limb, or Permanent Total Disability £40,000.

Emergency Dental Treatment

£100

£250

£500

Repatriation

Included in Medical

Included in Medical

Included in Medical

Compassionate Return

Not included

Not included

£300

Hospital Benefit

Not included

£250

£1000

Personal Effects and Baggage*

£500 - including £100 Valuables, £100 Sports equipment, £100 Mobility Aids, Single Article Limit £100.

£1,500 - including £250 Valuables, £250 Sports equipment, £250 Mobility Aids, Single Article Limit £250.

£2,000 - including £400 Valuables, £400 Sports equipment, £400 Mobility Aids, Single Article Limit £400.

Delayed Baggage

£50 after 12 hours

£75 after 12 hours

£75 after 12 hours

Personal Money

£150 (nil if under 16)

£200 (reduced to £100 if under 16)

£500 (reduced to £100 if under 16)

Passport / Driving licence - temporary replacement costs

£100

£250

£300

Hijack Cover

Not included

£200 (£50 per day)

£500 (£50 per day)

Personal Liability

£2,000,000

£2,000,000

£2,000,000

Legal Expenses

£10,000

£25,000

£50,000

Catastrophe Cover

Not included

£250

£1,000

Additional Pet Care Fees

Not included

Not included

£150

Scheduled Airline Failure Insurance

£500 (Annual Cover Only)

£1,500 (Annual Cover Only)

Included in End Supplier Failure

End Supplier Failure (including Scheduled Airline, Hotel, Tour Operator and Car Hire)

Not included

Not included

£5,000

OPTIONAL WINTER SPORTS EXTENSION

(only covered if you choose the Winter Sports cover option)

Benefit

Bronze

Water Sports Equipment

Covered under Personal Property

Equipment Hire Charges

£20 / £200

Unused Ski Pass

£75 per week / £300

Piste Closure

£20 per day / £200

Available Cover

£100

Benefit

Silver

Water Sports Equipment

Covered under Personal Property

Equipment Hire Charges

£20 / £200

Unused Ski Pass

£75 per week / £300

Piste Closure

£20 per day / £200

Available Cover

£100

Benefit

Gold

Water Sports Equipment

Covered under Personal Property

Equipment Hire Charges

£50 / £500

Unused Ski Pass

£75 per week / £450

Piste Closure

£40 per day / £400

Available Cover

£500

Benefit

Bronze

Silver

Gold

Water Sports Equipment

Covered under Personal Property

Covered under Personal Property

Covered under Personal Property

Equipment Hire Charges

£20 / £200

£20 / £200

£50 / £500

Unused Ski Pass

£75 per week / £300

£75 per week / £300

£75 per week / £450

Piste Closure

£20 per day / £200

£20 per day / £200

£40 per day / £400

Available Cover

£100

£100

£500

The benefit levels shown are the maximum amount payable.

Important Notes

Policy Excess

The following excesses apply to the benefits above marked with an *:

Bronze - the first £100 per person for each benefit you claim
Silver - the first £75 per person for each benefit you claim
Gold - the first £50 per person only (maximum of £100 for any claim except Scheduled Airline Failure Insurance)

Bronze cover

Bronze cover has lower benefit amounts, a higher excess and no cover for any pre-existing medical conditions. This means that we are able to offer cover at lower prices.

This does not replace the Policy Summary document, which you should read before you buy this insurance. The full details of the cover can be found in the Policy Document.