Policy Section | Limit of Cover per person (Standard) | Excess |
---|---|---|
If you need emergency medical attention 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 | £135 |
Emergency Dental Treatment We will pay for the cost of providing temporary neccessary treatment for the immediate relief of pain |
£250 | £130 |
Public hostpial inconvenience 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 |
If you are unable to go on your trip or if you need to come home early 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 | £130 |
If you choose to cancel after a 24 hour delay | £750 | £130 |
Missed Departure 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 | £130 |
If your possessions are lost, stolen or damaged If your luggage is lost, stolen or damaged we will pay for the cost of replacement (less wear, tear and depreciation). |
£750 | £130 |
If your possessions are delayed 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 |
If your cash is lost or stolen 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. | 100 | 130 |
If your passport is lost or stolen If you lose your passport we will pay for reasonable travel and accommodation costs incurred in replacing it. | 150 | 130 |
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 | £130 |
Death and disability benefit Covers you for loss of life, limb or sight that occurs during the trip after an accident.
|
£10,000 £10,000 £10,000 | Nil Nil Nil Nil Nil |
If you need legal advice 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 | £130 |
If you are mugged 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 |
Withdrawal Of
Services Covers you if you are without water, gas or electricity for more than 60 hours |
£200 | Nil |
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 |
If you are hijacked Covers you if your aircraft or sea vessel is hijacked for more than 24 hours |
£100 per complete day: up to £1,000 | Nil |
If a natural disaster occurs Covers you if your aircraft or sea vessel is hijacked for more than 24 hours |
Nil | Nil |
Optional Winter Sports cover - Your policy can be extended to cover winter sports on payment of an additional premium | Winter Sports Extension (Optional) In addition to Section 16 we will pay if the ski equipment owned or hired by you.
|
£500 250 250 200 300 200 250 500 |
130 130 130 Nil Nil Nil Nil Nil |
Optional Golf cover - Your policy can be extended to cover your golf equipment on payment of an additional premium | ||
Golf Cover Extension (Optional) In addition to section 21 we will pay if the Golf Equipment owned or hired by you is lost or damaged
|
£1,500 £250 £20 per complete day: up to £200 £75 per complete day: up to £300 |
£130 £130 Nil Nil |
Optional Business cover - Your policy can be extended to cover your business equipment on payment of an additional premium | ||
Business Extension (Optional) In addition to section 24 we will pay if the Business Equipment owned by you is lost or damaged
|
£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 |
£130 £130 Nil £130 £130 Nil £130 £130 Nil |
Travel Disruption Cover (Optional) - Your policy can be extended to cover you for Travel Disruption Cover on payment of an additional premium | ||
Extended Cancellation and Curtailment |
£1,000 | £130 |
Extended Travel Delay |
Nil | Nil |
Public Transport |
£20 after the first 12 hours and then £10 per 12 hours after to a maximum of £100 |
Nil |
Accomodation |
£1,000 | £130 |
Extended Missed Departure |
£500 | £130 |
Extended Disaster Cover |
£1,000 | £130 |