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Adult 18-85

Child 3-17

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Summary of cover

Policy Summary (policies issued after 01/09/2008)

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. Death Permanent loss of sight or limb Permanent Total Disablment	£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. Equipment (Owned) Single Article Limit Hired Total Ski Hire Ski Pack Piste closure Avalanche cover No Ski Cover	£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 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	£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 If your Business Equipment is lost or stolen 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	£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
Optional Gadget cover - Your policy can be extended to cover your electronic devices, such as mobile phones, laptops, tablets, games consoles and mp3 players, are covered against accidental damage, theft or malicious damage whilst you are on holiday.
Gadget Cover (Level 1) Up to 3 gadgets Single Article Limit Single Article Limit (Laptop) Gadget Cover (level 2) Up to 5 gadgets Single Article Limit Single Article Limit (Laptop) Gadget Cover (level 3) Up to 7 gadgets Single Article Limit Single Article Limit (Laptop)	£1,000 £1,000 £1,0000 £2,000 £1,000 £2,000 £3,000 £1,000 £3,000	up to £50 up to £50 up to £50

Policy Section	Limit of Cover per person (Premier)	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.	£5,000,000	£125
Emergency Dental Treatment We will pay for the cost of providing temporary neccessary treatment for the immediate relief of pain	£250	£110
Public hospital 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.	£2,000	£110
If your departure is delayed
If you choose to cancel after 24 hour delay	£1,000	£110
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.	£750	£110
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).	£1,000	£110
If your possessions are delayed We will pay a benefit to purchase essential items if your luggage is delayed on your outward journey	£75 per complete day: up to £150	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. Cash (limited to £50 if insured person is under 18	£100 £150	£100 £110
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	£100
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	£2,000,000 per policy	£110
Death and disability benefit Covers you for loss of life, limb or sight that occurs during the trip after an accident. Death Permanent loss of sight or limb in one or both eyes Permanent Total Disablment	£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.	£25,000 per policy	£110
If your 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	£20 per complete day: up to £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	N/A	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. Equipment (Owned) Single Article Limit Hired Total Ski Hire Ski Pack Piste closure Avalanche cover No Ski Cover	£500 £250 £250 £20 per day, up to £200 £75 per day up to £300 £20 per day up to £200 £250 £50 per complete day: up to £500	£110 £110 £110 £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 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	£110 £110 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 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	£110 £110 Nil £110 £110 Nil £110 £110 Nil
Optional Travel Disruption Cover - Your policy can be extended to cover you for Travel Disruption Cover on payment of an additional premium
Extended Cancellation and Curtailment	£1,000	£110
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	£110
Accomodation	£1,000	£110
Extended Missed Departure	£500	£110
Extended Disaster Cover	£1,000	£110
Optional Gadget cover - Your policy can be extended to cover your electronic devices, such as mobile phones, laptops, tablets, games consoles and mp3 players, are covered against accidental damage, theft or malicious damage whilst you are on holiday.
Gadget Cover (Level 1) Up to 3 gadgets Single Article Limit Single Article Limit (Laptop) Gadget Cover (level 2) Up to 5 gadgets Single Article Limit Single Article Limit (Laptop) Gadget Cover (level 3) Up to 7 gadgets Single Article Limit Single Article Limit (Laptop)	£1,000 £1,000 £1,0000 £2,000 £1,000 £2,000 £3,000 £1,000 £3,000	up to £50 up to £50 up to £50

Policy Section	Limit of Cover per person (Premier Plus)	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.	£10,000,000	£100
Emergency Dental Treatment We will pay for the cost of providing temporary neccessary treatment for the immediate relief of pain	£500	£100
Public hospital 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.	£5,000	£100
If your departure is delayed	£200	Nil
If you choose to cancel after a 24 hour delay	£5,000	£100
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.	£1,000	£100
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).	£2,000	£100
If your possessions are delayed We will pay a benefit to purchase essential items if your luggage is delayed on your outward journey	£75 per complete day: up to £150	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.	200	100
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.	250	100
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	£2,000,000 per policy	£100
Death and Disability benefit Covers you for loss of life, limb or sight that occurs during the trip after an accident. Death Permanent loss of sight or limb Permanent Total Disablment	£25,000 £25,000 £25,000	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.	£25,000 per policy	£100
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.	£50 per complete day of inpatient treatment: up to £500	Nil
Withdrawal Of Services Covers you if you are without water, gas or electricity for more than 60 hours	£25 per complete day: up to £300	Nil
Domestic Pets If your return journey is delayed we will pay for extra kennel or cattery fees	£25 per complete day: up to £300	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	£500	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. Equipment (Owned) Single Article Limit Hired Total Ski Hire Ski Pack Piste closure Avalanche cover No Ski Cover	£1,000 £500 £300 £50 per day, up to £500 £75 per day up to £450 £40 per day up to £400 £250 £100 per complete day: up to £1,000	£100 £100 £100 £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 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	£100 £100 Nil Nil
Optional Business cover - Your policy can be extended to cover your business equipment on payment of an additional premium
21. Business extension (Optional) 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	£100 £100 Nil £100 £100 Nil £100 £100 Nil
Optional Travel Disruption Cover - Your policy can be extended to cover you for Travel Disruption Cover on payment of an additional premium
Extended Cancellation and Curtailment	£1,000	£100
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	£100
Extended Missed Departure	£500	£100
Extended Disaster Cover	£1,000	£100
Optional Gadget cover - Your policy can be extended to cover your electronic devices, such as mobile phones, laptops, tablets, games consoles and mp3 players, are covered against accidental damage, theft or malicious damage whilst you are on holiday.
Gadget Cover (Level 1) Up to 3 gadgets Single Article Limit Single Article Limit (Laptop) Gadget Cover (level 2) Up to 5 gadgets Single Article Limit Single Article Limit (Laptop) Gadget Cover (level 3) Up to 7 gadgets Single Article Limit Single Article Limit (Laptop)	£1,000 £1,000 £1,0000 £2,000 £1,000 £2,000 £3,000 £1,000 £3,000	up to £50 up to £50 up to £50

	Single Trip	Annual Multi-trip
Standard	£6.61	£38.70
Premier	£9.80	£58.60
Premier Plus	£13.87	£89.82