| Policy Section |
Limit of Cover per person (Standard) |
Excess |
1. Medical Emergency & Repatriation
If you have a sudden and unforeseen accident or illness
during your trip we will pay for your reasonable medical
expenses and the costs of bring you back to the UK. |
£3,000,000 |
£100 |
2. Emergency Dental Treatment
We will pay for the cost of providing temporary neccessary
treatment for the immediate relief of pain |
£250 |
£95 |
3. Hospital Daily Benefit
We will pay you a daily
benefit per complete day of
in-patient treatment up to a
maximum amount. |
£25 per complete day of
inpatient treatment: up to £500 |
Nil |
4. Cancellation & Curtailment
We will pay for the costs of
your trip if you have to
cancel because of the
unforeseen illness or death
of a close relative, or if your
presence is required in the
UK because you are called
up on jury service,
subpoenaed as a witness in
a court of law, or your
home has been severely
damaged, or you are made
redundant, or you are
compulsorily quarantined,
or if you cancel after a 12-
hour delay.
|
£1,000 |
£95 |
5. Travel Delay
If Your Outward journey is delayed for
more than 12 hours: |
|
|
| 5.1 Delay Benefit |
£10 for each full 12 hour
delay: maximum £100 |
Nil |
| 5.2 Abandonment |
£750 |
£95 |
| 5.3 Return Travel Cancellation |
£500 |
£95 |
6. Missed Departure on the outward journey
We will pay reasonable
additional travelling and
accommodation expenses
necessarily incurred to
reach your booked
destination because of
failure of public transport,
or breakdown of or accident
to the private vehicle in
which you are travelling. |
£500 |
£95 |
7. Personal Luggage
If your luggage is lost,
stolen or damaged we will
pay for the cost of
replacement (less wear,
tear and depreciation).
|
£750 |
£95 |
8. Luggage Delay
We will pay a benefit to
purchase essential items if
your luggage is delayed on
your outward journey |
£50 per complete day:
up to £100 |
Nil |
9. Money & Passport
We will cover you for the
loss of money you are
carrying on your person or
which you have left in a
safety deposit box.
If you lose your passport
we will pay for reasonable
travel and accommodation
costs incurred in replacing
it.
- Cash (limited to £50 if
insured person is under 18
- Passport
|
£100
£150 |
£85
£85 |
10. Personal Liability
If you become legally liable
for accidentally injuring any
person or damaging their
property, we will cover you
against all sums which you
become legally liable to
pay and all costs awarded
to the claimant or incurred
in defending the claims |
£1,000,000 per policy |
£95 |
11. Personal Accident
Covers you for loss of life,
limb or sight that occurs
during the trip after an
accident.
- Death
- If the insured person is
under 18 or over 65
- Loss of one or more Limbs,
or total irrecoverable Loss of sight
in one or both eyes
- Permanent Total Disablment
|
£10,000
£2,500
£10,000
£10,000
|
Nil
Nil
Nil
Nil
|
12. Legal Protection
If you suffer death, illness
or injury during your trip
and decide to take legal
action in pursuit of
compensation, we will pay
for legal costs and
additional travel expenses. |
£15,000 per policy |
£95 |
13. Mugging
If you suffer death, illness
or injury during your trip
and decide to take legal
action in pursuit of
compensation, we will pay
for legal costs and
additional travel expenses. |
£30 per complete day of
inpatient treatment: up to £ 300 |
Nil |
14. Withdrawal Of
Services
Covers you if you are
without water, gas or
electricity for more than 60
hours |
£20 per complete day:
up to £200 |
Nil |
15. Domestic Pets
If your return journey is
delayed we will pay for
extra kennel or cattery fees |
£25 per complete day:
up to £150 |
Nil |
16. Hijack
Covers you if your aircraft
or sea vessel is hijacked for
more than 24 hours |
£100 per complete day:
up to £1,000 |
Nil |
17. Disaster
Covers you if your aircraft
or sea vessel is hijacked for
more than 24 hours |
N/A |
Nil |
| Optional Winter Sports cover - Your policy can be extended to cover winter sports on payment of an additional
premium |
|---|
18. Winter Sports
In addition to Section 16 we
will pay if the ski equipment
owned or hired by you.
- Equipment (Owned)
- Single Article
Limit
- Hired Total
- Ski Hire
- Ski Pack
- Piste closure
- Avalanche cover
|
£500
£250
£250
£20 per day, up to £200
£75 per day up to £300
£20 per day up to £200
£250
& |
£85
£85
£85
Nil
Nil
Nil
Nil |
| Optional Golf cover - Your policy can be extended to cover your golf equipment on payment of an additional premium |
|---|
19. Golf Cover
In addition to section 21 we
will pay if the Golf
Equipment owned or hired
by you is lost or damaged
- Equipment (Owned)
- Single Article
Limit
- Hired
- Green Fees
|
£1,500
£250
£20 per complete day: up to £200
£75 per complete day:
up to £300 |
£95
£95
Nil
Nil |
20. Golf Equipment Hire
In addition to Section 22
cover includes the hire of
replacement golf equipment
|
£20 per complete day: up
to £200 |
Nil |
| Optional Business cover - Your policy can be extended to cover your business equipment on payment of an additional
premium |
21. Business Equipment
In addition to section 24 we
will pay if the Business
Equipment owned by you is
lost or damaged
- Business
Equipment
- Single Article
Limit
- Samples
- Equipment Delay
- Emergency Courier
- Hiring Equipment
- Business Money
- Cash Limit
- Extra Baggage Delay
|
£1,000
£500
£500
£200
£200
£50 per complete day: up to £500
£1,000
£500
£100 after the first 12 hours,
£500 after 24 hours |
£95
£95
Nil
£95
£95
Nil
£95
£95
Nil |
| Optional Travel Disruption Cover - Your policy can be extended to cover you for Travel Disruption Cover on payment of an additional premium |
|---|
22. Extended Cancellation and Curtailment
|
£1,000 |
£95 |
23.Extended Travel Delay
|
|
|
24. Public Transport
|
£20 after the first 12 hours
and then £10 per 12 hours
after to a maximum of £100 |
Nil |
25. Accomodation
|
£1,000 |
£95 |
26. Extended Missed Departure
|
£500 |
£95 |
27. Extended Disaster Cover
|
£1,000 |
£95 |