|
Summary of Cover
Below you'll find the level of cover we offer on our different types of polices.
Table of benefits for single trip and annual multi-trip |
|
|
Bronze and Silver
(Bronze does not include cover under sections E1 and E2 for personal belongings and baggage and money.)
|
Gold and Platinum
(Platinum reduces the standard excesses shown below to zero.) |
| |
|
Maximum sum insured
(for each insured person) |
Excess
(for each insured person) |
Maximum sum insured
(for each insured person) |
Excess
(for each insured person) |
| A |
Cancelling and cutting short your holiday |
£3,000 |
£60 |
£5,000 |
£50 |
| |
|
|
(£20 for loss of deposit) |
|
(£20 for loss of deposit) |
| B |
Medical and other expenses |
£5,000,000 |
£60 |
£10,000,000 |
£50 |
| |
|
|
(£100 if aged 65 or over) |
|
(£100 if aged 65 or over) |
| C |
Hospital benefit |
£20 a day up to £1,000 |
|
£30 a day up to £1,500 |
|
| D |
Personal accident: |
|
|
|
|
| |
Loss of limbs or sight (aged under 66) |
£20,000 |
|
£50,000 |
|
| |
Permanent total |
|
|
|
|
| |
disablement (aged under 66) |
£20,000 |
|
£20,000 |
|
| |
Death benefit (aged 18 to 65) |
£5,000 |
|
£25,000 |
|
| |
Death benefit (aged under 18) |
£2,500 |
|
£2,500 |
|
| |
All benefits (aged 66 and over) |
£2,500 |
|
£2,500 |
|
| Sections E1 and E2 only apply if it is shown on your validation certificate that cover is available. |
| E1 |
Personal belongings and baggage |
£1,500 |
£60 |
£2,000 |
£50 |
|
Including: Single article limit |
£200 |
|
£300 |
|
|
Valuables limit |
£200 |
|
£400 |
|
|
Baggage delay |
£50 for every 12 hours for purchases made up to £100 |
|
£100 for every 12 hours for purchases made up to £200 |
|
E2 |
Personal money |
£500 |
£60 |
£500 |
£50 |
|
Cash limit |
£200 |
|
£300 |
|
|
Cash limit (aged under 18) |
£50 |
|
£50 |
|
| E3 |
Passport and travel documents |
£100 |
|
£200 |
|
| F |
Abandoning your holiday |
£3,000 |
£60 |
£5,000 |
£50 |
| |
Travel delay |
£20 for the first 12 hours, |
|
£40 for the first 12 hours, |
|
| |
|
£10 for all other 12 hours up to £300 |
|
£20 for all other 12 hours up to £400 |
|
| G |
Missed departure |
£500 |
£60 |
£1,000 |
£50 |
| H |
Personal liability |
£2,000,000 |
£250 |
£2,000,000 |
£250 |
| I |
Legal expenses |
£15,000 |
|
£50,000 |
|
| J |
Hijack |
£50 a day up to £500 |
|
£50 a day up to £500 |
|
| K |
Catastrophe |
£1,000 |
£60 |
£1,000 |
£50 |
| L |
Pet care |
£20 a day up to £200 |
|
£50 a day up to £500 |
|
| Child assist cover |
| M1 |
Public relations and media liaison |
£20,000 |
|
£20,000 |
|
| M2 |
Foreign police liaison |
£20,000 |
|
£20,000 |
|
| M3 |
Legal services |
£20,000 |
|
£20,000 |
|
| M4 |
Private investigations |
£10,000 |
|
£10,000 |
|
| M5 |
Internet capaign |
£10,000 |
|
£10,000 |
|
| M6 |
Living expenses |
£500 a day, up to £30,000 |
|
£500 a day, up to £30,000 |
|
| Winter sports cover is only available if you pay the appropriate extra premium or if you have bought annual multi-trip cover. |
| N |
Winter sports equipment (owned) |
£500 |
£60 |
£1,000 |
£50 |
|
Single article limit (owned) |
£250 |
|
£500 |
|
|
Hired total |
£250 |
|
£500 |
|
| O |
Ski hire |
£20 a day up to £200 |
|
£50 a day up to £500 |
|
| P |
Ski pack |
£75 a day up to £300 |
|
£75 a day up to £450 |
|
| Q |
Piste closure |
£20 a day up to £200 |
|
£40 a day up to £400 |
|
| R |
Avalanche cover |
£250 |
£60 |
£500 |
£50 |
| Golf cover is only available if you pay the appropriate extra premium. |
| S1 |
Golf equipment |
£1,500 |
£60 |
£1,500 |
£60 |
| |
Single article limit |
£250 |
|
£250 |
|
| S2 |
Golf equipment hire |
£20 a day up to £200 |
|
£20 a day up to £200 |
|
| S3 |
Green fees |
£75 a day up to £300 |
£60 |
£75 a day up to £300 |
£60 |
| Business cover is only available if you pay the appropriate extra premium. |
| T1 |
Business equipment |
£1,000 |
£60 |
£1,000 |
£60 |
| |
Single article limit |
£500 |
|
£500 |
|
| |
Samples |
£500 |
|
£500 |
|
| |
Business equipment delay |
£200 |
£60 |
£200 |
£60 |
| |
Emergency courier expenses |
£200 |
£60 |
£200 |
£60 |
| T2 |
Business equipment hire |
£50 a day up to £500 |
|
£50 a day up to £500 |
|
| T3 |
Business money |
£1,000 |
£60 |
£1,000 |
£60 |
| |
Cash limit |
£500 |
|
£500 |
|
| T4 |
Additional personal accident |
Standard benefit x 2 |
|
Standard benefit x 2 |
|
|
Table of benefits for economy and long-stay products |
| |
Benefit |
|
Maximum sum insured
(for each insured person) |
Excess
(for each insured person) |
| Section |
|
|
|
|
| |
|
|
|
|
| A |
Cancelling and cutting short your holiday |
|
£2,000 |
£75 (£20 for loss of deposit) |
| B |
Medical and other expenses |
|
£3,000,000 |
£125 |
| D |
Personal accident: |
|
|
|
| |
Loss of limbs or sight (aged under 66) |
|
£10,000 |
|
| |
Permanent total disablement (aged under 66) |
|
£10,000 |
|
| |
Death benefit (aged 18 to 65) |
|
£5,000 |
|
| |
Death benefit (aged under 18) |
|
£1,000 |
|
| F |
Abandoning your holiday |
|
£2,000 |
£75 |
| G |
Missed departure |
|
£800 |
£75 |
| H |
Personal liability |
|
£2,000,000 |
£250 |
| I |
Legal expenses |
|
£10,000 |
|
| Child assist cover |
| M1 |
Public relations and media liaison |
|
£20,000 |
|
| M2 |
Foreign police liaison |
|
£20,000 |
|
| M3 |
Legal services |
|
£20,000 |
|
| M4 |
Private investigations |
|
£10,000 |
|
| M5 |
Internet capaign |
|
£10,000 |
|
| M6 |
Living expenses |
|
££500 a day, up to £30,000 |
|
| This section is only available if you pay the appropriate extra premium. |
| E1 |
Personal belongings and baggage |
|
£1,000 |
£75 |
| |
Including: |
Single article limit |
£150 |
|
| |
|
Valuables limit |
£150 |
|
| |
Baggage delay |
|
£25 a day for purchases made up to £75 |
|
| E2 |
Personal money |
|
£200 |
£75 |
| |
Cash limit |
|
£200 (£50 if aged under 18) |
|
| E3 |
Passport and travel documents |
|
£100 |
£75 |
| Winter sports cover is only avaliable if you pay the appropriate extra premium. |
| N |
Winter sports equipment (owned) |
|
£500 |
£60 |
| |
| Single article limit (owned) |
|
|
£250 |
|
| |
Hired total |
|
£250 |
|
| O |
Ski hire |
|
£20 a day up to £200 |
|
| P |
Ski pack |
|
£75 a day up to £300 |
|
| Q |
Piste closure |
|
£20 a day up to £200 |
|
| R |
Avalanche cover |
|
£250 |
£60 |
| Golf cover is only avaliable if you pay the appropriate extra premium. |
| S1 |
Golf equipment |
|
£1,500 |
£60 |
| |
Single article limit |
|
£250 |
|
| S2 |
Golf equipment hire |
|
£20 a day up to £200 |
|
| S3 |
Green fees |
|
£75 a day up to £300 |
£60 |
| Business sports cover is only avaliable if you pay the appropriate extra premium. |
| T1 |
Business equipment |
|
£1,000 |
£60 |
| |
Single article limit |
|
£500 |
|
| |
Samples |
|
£500 |
|
| |
Business equipment delay |
|
£200 |
£60 |
| |
Emergency courier expenses |
|
£200 |
£60 |
| T2 |
Business equipment hire |
|
£50 a day up to £500 |
|
| T3 |
Business money |
|
£1,000 |
£60 |
| |
Cash limit |
|
£500 |
|
| T4 |
Additional personal accident |
|
Standard benefit x 2 |
|
Adventure policy table of benefits for each insured person |
| |
Benefit |
Maximum sum insured
(for each insured person) |
Excess
(for each insured person) |
A |
Cancelling and cutting short your holiday |
£2,000 |
£60 |
|
|
|
(£40 for loss of deposit) |
B |
Medical and other expenses |
£3,000,000 |
£100 |
C |
Mugging benefit |
£40 a day, up to £400 |
|
D |
Personal accident: |
|
|
|
Loss of limbs or sight |
£15,000 |
|
|
Permanent total disablement |
£15,000 |
|
|
Death benefit |
£5,000 |
|
|
Death benefit (aged under 18) |
£2,500 |
|
|
Repaying student loan |
£5,000 |
|
F |
Abandoning your holiday |
£2,000 |
£60 |
G |
Missed departure |
£1,000 |
£60 |
H |
Personal liability |
£2,000,000 |
£250 |
I |
Legal expenses |
£15,000 |
|
J |
Hijack |
£50 a day, up to £500 |
|
K |
Catastrophe |
£500 |
£60 |
Child assist cover |
L1 |
Public relations and media liaison |
£20,000 |
|
L2 |
Foreign police liaison |
£20,000 |
|
L3 |
Legal services |
£20,000 |
|
L4 |
Private investigations |
£10,000 |
|
L5 |
Internet capaign |
£10,000 |
|
L6 |
Living expenses |
£500 a day, up to £30,000 |
|
This section is only available if you pay the appropriate extra premium. |
E1 |
Personal belongings and baggage |
£1,000 |
£60 |
|
Including: Single article limit |
£150 |
|
|
Valuables limit |
£250 |
|
|
Baggage delay |
£50 for every 12 hours for purchases made up to £150 |
|
E2 |
Personal money |
£200 |
£60 |
|
Cash limit |
£200 |
|
|
|
(£100 if aged under 18) |
|
E3 |
Passport and travel documents |
£250 |
£60 |
Winter sports cover is only available if you pay the appropriate extra premium. |
M |
Winter sports equipment (owned) |
£500 |
£60 |
|
Including: Single article limit |
£250 |
|
|
Hired limit |
£250 |
|
N |
Ski hire |
£20 a day, up to £200 |
|
O |
Ski pack |
£75 a day, up to £300 |
|
P |
Piste closure |
£20 a day, up to £200 |
|
Q |
Avalanche cover |
£250 |
£60 |
|
|
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