WHATS COVERED
Schedule of Benefits - Single Trip & Annual Multi-trip
The following tables are for illustrative and comparative purposes only. Each row shows the maximum cover in that but note that terms & conditions apply. For the full schedule of benefits, please refer to the full insurance policy.
| Cover Section | Essential | Premier | Premier Plus |
|---|---|---|---|
| Excess | £100 | £75 | £50 |
| Emergency Medical Assistance & Expenses | £5m | £10m | £10m |
| Personal Accident - Death | £5,000 | £10,000 | £30,000 |
| Baggage | £750 | £2,000 | £3,000 |
| Travel Delay, Missed Documents & Missed Connection | No Cover | £100 | £500 |
| Passport, Documents or Driving Licence | £100 | £300 | £500 |
| Personal Money | £300 | £750 | £1,500 |
| Personal Liability | £2m | £2m | £2m |
| Legal Expenses | No Cover | £25,000 | £50,000 |
| Baggage Delay (after 8 hours delay) | £150 | £150 | £500 |
Single Trip (ST) & Annual Multi-trip (AMT) Winter Sports Cover Benefits
Winter Sports cover is automatically included on Annual Multi-trip Premier and Premier Plus policies. It provides cover up to a maximum of 21 days (for Premier) and up to a maximum of 45 days (for Premier Plus) during the policy period. View a list of all the winter activities you’re covered for under ‘Winter sports activities’ here.
| Cover per person/per event | Essential | Premier | Premier Plus |
|---|---|---|---|
| Winter Sports Cover** | No Cover |
Optional (ST) Included (AMT) |
Optional (ST) Included (AMT) |
| Winter sports equipment own | £500 | £1,000 | |
| Winter sports equipment hired | £150 | £300 | |
| Piste closure (not UK) |
£250 (£25 each 24 hrs) |
£500 (£50 each 24 hrs) |
|
| Delay due to avalanche | £200 | £400 | |
| Winter sports activity and ski pack | £250 | £500 | |
|
Delayed winter sports equipment (after 8 hrs delay) |
£100 | £200 |
Single Trip (ST) & Annual Multi-trip (AMT) Cruise Cover Benefits
Our dedicated cruise cover provides additional cover for missed embarkation, formal cruise attire, and cruise itinerary changes. Also, there is additional emergency medical assistance and expenses cover.
| Cover per person/per event | Essential | Premier | Premier Plus |
|---|---|---|---|
| Cruise Cover** | No Cover |
Optional (ST) Included (AMT) |
Optional (ST) Included (AMT) |
| Missed embarkation cover | £750 | £1,500 | |
|
Formal cruise attire & delay (over 8 hrs) |
£1,500 / £250 | £2,500 / £500 | |
| Cruise itinerary changes |
£500 (£50 each missed port) |
£1,000 (£100 each missed port) |
|
| Additional emergency medical assistance & expenses - ship to shore repat | £100,000 | £100,000 | |
| Cabin confinement |
£500 (£50 each 24 hrs) |
£1,000 (£100 each 24 hrs) |
|
| Used excursions | £250 | £500 |
Single Trip (ST) & Annual Multi-trip (AMT) Business Cover Benefits
Our business cover provides cover when you need to travel for business or occupation. It includes the hire or purchase of business equipment if yours gets lost, stolen or delayed. Plus, replacement staff cover is in place if you become ill.
| Cover per person/per event | Essential | Premier | Premier Plus |
|---|---|---|---|
| Business Cover | No Cover | Optional | Optional |
|
Business equipment - Business samples limit - Pair or set limit |
£2,000 £1,000 £1,000 |
£2,000 £1,000 £1,000 |
|
|
Essential item replacement & hire (after 8 hours delay) |
£250 | £250 | |
| Courier replacement costs | £250 | £250 | |
| Business money | £1,000 | £1,000 | |
| Employee replacement | £1,000 | £1,000 |
* Excess
– The excess as shown above, will apply to sections 1, 3, 4, 5, 6, 7, 8 and 17.
– Where cover is included or taken as an option, the excess will also apply to sections 14, 15 and 16.
– For loss of deposit claims a reduced excess will apply to section 4: £25 Essential cover, £15 Premier or Premier Plus cover.
– Section 17: Gadget cover the excess for Premier cover is reduced to £50.
– Section 18: Travel consumer dispute the excess is reduced to £35.
– Excess waiver: if you have paid the additional premium for the excess waiver, the excess would be reduced to Nil in the event of a claim (other than sections 17 and 18).
Note: any excess imposed by us following your call to our Medical Screening Service will apply (other than sections 17 and 18).
– Voluntary excess: if you have opted for a discounted premium in favour of a voluntary excess, all excesses (other than sections 17 and 18) will be increased to £250.
There is no voluntary excess option available if you have purchased Essential cover.
** Legal Expenses – Not more than £50,000 Premier cover or £100,000 Premier Plus cover, in total for all persons insured on this policy.
*** Winter Sports & Cruise covers – Annual Multi-trip (AMT) policy cover is automatically included. Single Trip (ST) policy additional premium must be paid and shown on your policy schedule.