Benefits | Activities Covered | Age Groups | Are you Eligible to Buy this Policy?

Duration | Destinations | Medical Information | Terrorism

 

Policy Summary (pdf) - Single Trip | Annual | Backpacker

 

Full Policy Wording

 

Schedule of Benefits

Standard | Backpacker | Winter Sports | Golf | Business | Wedding

 

Single Trip & Annual Policies - Schedule of Benefits
Section	Description	Standard Cover & Annual Multi Trip	Excess per Insured
A	Cancellation and Curtailment	Up to £5,000	£100 (£20 Loss of deposit)
B	Emergency Medical Expenses and other Expenses Including emergency assistance services	Up to £10,000,000	£100
C	Hospital Benefit	£15 per day up to £600	N/A
D	Personal Accident Loss of limbs or sight Permanent Total Disablement Death benefit Death benefit All benefits	Max Benefit £25,000 £25,000 (aged under 66) £25,000 (aged under 66) £5,000 (aged 18 to 65) £2,500 (under 18/over 65) £2,500 (aged 66 and over)	N/ A
E	Baggage, Baggage Delay and Passport Single Item Limit Valuables Limit in total Passport Delayed Baggage	Up to £1,500 £250 £250 Up to £250 Up to £150 (£50 per day)	£100   N/A
F	Personal Money and Documents Cash Limit Cash Limit (aged under 18) Documents Limit	Up to £500 £300 £50 £300	£100
G	Personal Liability	Up to £2,000,000	£250
H	Delayed Departure	£20 per 12 hour period Up to £300	N/A
I	Holiday Abandonment	Up to £3,000	£100
J	Missed Departure	Up to £1,000	£100
K	Catastrophe Cover	Up to £1,000	£100
L	Mugging Benefit	£40 per day up to £400	N/A
M	Withdrawal of Services	£50 per day up to £500	N/A
N	Kennel/Cattery Fees Cover	£20 per day up to £100	N/A
O	Third Party Insolvency	Up to £2,000	£100
P	Overseas Legal Expenses and Assistance	Up to £25,000	£250

Backpacker Policies - Schedule of Benefits
Section	Description	Backpacker Cover Limit	Excess per Insured
A	Cancellation and Curtailment	Up to £2,000	£100 (£25 Loss of deposit)
B	Emergency Medical Expenses and other expenses Including emergency assistance Services	Up to £3,000,000	£125
C	Hospital Benefit	NO COVER	N/A
D	Personal Accident Loss of limbs or sight Permanent Total Disablement Death benefit Death benefit All benefits	Max Benefit £10,000 £10,000 (aged under 46) £10,000 (aged under 46) £5,000 (aged 18 to 45) £1,000 (aged under 18)	N/A
E	Baggage, Baggage Delay and Passport Single Item Limit Valuables Limit in total Passport Delayed Baggage	Up to £1,000 £150 £150 Up to £100 NO COVER	£100   N/A
F	Personal Money and Documents Cash Limit Cash Limit (aged under18) Documents Limit	Up to £200 £200 £50	£100
G	Personal Liability	Up to £2,000,000	£250
H	Delayed Departure	NO COVER	N/A
I	Holiday Abandonment	Up to £2,000	£100
J	Missed Departure	Up to £800	£100
K	Catastrophe Cover	NO COVER	N/A
L	Mugging Benefit	NO COVER	N/A
M	Withdrawal of Services	NO COVER	N/A
N	Pet Care Cover	NO COVER	N/A
O	Dynamic Packaging Protection	NO COVER	N/A
P	Overseas Legal Expenses and Assistance	Up to £25,000	£250

Wintersports cover Choose our Winter Sports Policy.
Q1	Ski Equipment Owned Hired Single Item Limit	Up to £1,000 Up to £500 £250	£100
Q2	Ski Hire	£20 per day up to £200	N/A
Q3	Ski Pack	£50 per day up to £300	N/A
Q4	Piste Closure	£20 per day up to £300	N/A
Q5	Delay Due to Avalanche	Up to £300	£100

Business cover available. Call 0845 092 0544
R1	Business Equipment Single Item Limit Computer Equipment Single Item Limit Samples Limit Delayed Business Equipment Emergency Courier of Essential Business Equipment	Up to £2,000 £750 £1,500 £50 £100 per day up to £300 Up to £500	£100 N/A £100
R2	Business Equipment Hire	£150 per day up to £750	N/A
R3	Business Money Cash Limit	Up to £1,000 £500	£100

Golf cover available. Choose our Golf Policy.
S1	Golf Equipment Single Item Limit Unreceipted Items Limit Unreceipted Single Item Limit	Up to £1,000 £500 £300 £50	£100
S2	Golf Equipment Hire	£30 per day up to £300	N/A
S3	Non Refundable Golfing Fees	£75 per day up to £300	N/A

Wedding/CivilPartnership cover Call 0845 092 0544
T	Wedding Cover/Civil Partnership cover Single Item Limit Unreceipted Items Limit UnreceiptedSingle Item Limit	Up to £1,000 £500 £300 £75	£75

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Activities Covered

Grade 1 - No Additional Charge
You are covered under section B – Emergency Medical Expenses and Section D – Personal Accident sections for the following activities automatically, provided that the activity is on an Incidental basis you do not need to contact us
Archery
Badminton
Banana boat rides
Baseball
Basketball
Beach games
Bowls
Bungee jump (1)
Camel / Elephant Riding +
Canoeing Grades 1 to 3) Life jacket and helmet must be worn
Clay pigeon shooting +
Cricket
Curling
Cycling (excluding mountain biking)
Dinghy sailing +
Fell walking/running (no climbing)
Fencing
Fishing
Flying as a fare paying passenger in a fully licenced passenger carrying aircraft
Football
GAA Football
Golf
Hiking (under 2,000 metres altitude)
Hockey
Horse riding (up to 7 days, no polo, no hunting or jumping – riding hat to be worn)
Hot air ballooning (organised pleasure rides only)
Husky dog rides
Ice skating (rink)
Jet boating (passenger only) +
Jet skiing +
Jogging
Kayaking (Grades 1 to 3) life jacket and helmet must be worn
Manual Work (bar and restaurant, waitress, waiter, chalet, maids, au pair, nanny and occasional light manual work including retail work and fruit picking but excluding the use of power tools and machinery) +
Marathon running
Motorcycling on public roads (no racing) safety helmet to be worn and must possess a licence allowing you to ride an equivalent motorcycle in the UK +
Netball
Non manual work (including professional administrative or clerical duties only)
Orienteering, (no climbing)
Paintballing (with eye protection) +
Parascending /parasailing (over water)
Passenger on ski-doo +
Passenger on snowmobile +
Pony trekking
Racquetball
Rambling (under 2000m altitude)
River canoeing up to Grade 3, life jacket and helmet must be worn
Roller skating
Roller blading
Rounders
Rowing
Running-sprint/long distance
Safari (UK organised)
Sail boarding
Scuba diving* down to 30 metres if qualified and not diving alone or accompanied by a qualified instructor (see notes below).
Sea fishing
Skate boarding
Sleigh rides
Snorkelling
Squash
Surfing (under 14 days)
Tennis
Tour Operator Safari
Track Events
Trekking (under 2,000 metres altitude)
Volleyball
War Games (with eye protection) +
Water Polo
Water Skiing
Windsurfing
Yachting/Sailing (passenger only, inside territorial waters)
Yoga
Cover under Section G – Personal liability for those sports and activities marked with a + is excluded
*Scuba diving - scuba diving to the following depths. Provided you are diving under the direction of an accredited dive marshal, instructor or guide. Alternatively, if qualified, within the guidelines of the relevent diving or training agency or organisation and not diving alone: BSAC Ocean Diver - 20 metres BSAC Sports Diver - 30 metres** BSAC Dive Leader - 30 metres** PADI Open Water - 18 metres PADI Advanced Open Water - 30 metres** PADI Dive Master – 30 metres** PADI Deep Dive Speciality – 30 metres** SSI Open Water Diver – 18 metres SSI Advanced Open Water – 30 metres SSAC Sports Diver – 30 metres** SSAC Master Diver – 30 metres** ** For the purpose of diving under sports and activities Grade 1 We must agree with any equivalent qualification. If you do not hold a qualification, We will only cover You to dive to a depth of 18 metres. You will not be covered under this Policy if you travel by air within 24 hrs after participating in scuba diving.

 

Grade 2 - The Following Activities Can be Covered for an Additional Premium Call 0845 092 0544 For Details
You can be covered under Section B – Emergency Medical Expenses and Section D – Personal Accident sections for the following activities provided that the activity is on an Incidental basis (unless otherwise stated) and subject to an additional premium being paid and shown on the validation certificate. Medical Excess increased to £250 Personal Accident Sum insured reduced by 50% Personal Liability Cover is excluded
Black water rafting (Grade 1 to 4) Life jacket and helmet must be worn
Boxing Training (no contact)
Bungee Jump (up to 3 additional)
Camel/Elephant Riding / Trekking (non incidental)
Cycle Touring
Dry skiing
Go Karting
Horse Riding (over 7 days, no Polo, no Hunting or Jumping – riding hat to be worn)
Hot Air Ballooning (organized pleasure rides only - non incidental)
Hurling
Jet Skiing (non incidental)
Martial Arts (no contact - training only)
Mountain Biking (no downhill, no racing)
Parascending/parasailing(over water, non incidental)
Rambling/Trekking between 2,001m and 4,000m
Safari (non-UK organised)
Sand boarding
Scuba Diving* non incidental, down to 50 metres if qualified and not diving alone or accompanied by a qualified instructor (see notes below)
Sea Canoeing
Sea Fishing (non incidental)
Surfing
Triathlon
White Water Rafting - (Grades 1 to 3) life jacket and helmet must be worn
Waterskiing/Windsurfing/Snorkelling (non incidental)
Yachting/Sailing (non incidental or as member of crew, inside territorial water)
*Scuba diving - scuba diving to the following depths, provided you are diving under the direction of an accredited dive marshal, instructor or guide. Alternatively, if qualified, within the guidelines of the relevant diving or training agency or organisation and not diving alone: BSAC Ocean Diver - 20 metres BSAC Sports Diver - 35 metres** BSAC Dive Leader - 50 metres** PADI Open Water - 18 metres PADI Advanced Open Water - 30 metres PADI Dive Master – 40 metres** PADI Deep Dive Speciality – 40 metres** SSI Open Water Diver – 18 metres SSI Advanced Open Water – 30 metres SSAC Sports Diver – 35 metres** SSAC Master Diver – 50 metres** ** For the purpose of diving under sports and activities Grade 2 We must agree with any equivalent qualification. If You do not hold a qualification, We will only cover You to dive to a depth of 18 metres. You will not be covered under this Policy if you travel by air within 24 hrs after participating in scuba diving.

 

Grade 3 - The Following Activities Can be Covered for an Additional Premium Call 0845 092 0544 For Details
You can be covered under Section B – Emergency Medical Expenses and Section D – Personal Accident sections for the following activities provided that the activity is on an Incidental basis (unless otherwise stated) and subject to an additional premium being paid and shown on the validation certificate. Medical Excess increased to £500 Personal Accident Sum insured reduced by 50% Personal Liability Cover is excluded
Abseiling
American Football
Canoeing (Grade 4) life jacket and helmet must be worn
Kayaking (Grade 4) life jacket and helmet must be worn
Rugby
Sand Yachting
Tandem skydive (up to 2 jumps maximum)
White water rafting (grade 4) life jacket and helmet must be worn
Yachting/Sailing -(passenger only, outside territorial waters
Zip lining/trekking (safety harness must be worn)

 

Grade 4 - The Following Activities Can be Covered for an Additional Premium Call 0845 092 0544 For Details
You can be covered under Section B – Emergency Medical Expenses and Section D – Personal Accident sections for the following activities provided that the activity is on an Incidental basis (unless otherwise stated) and subject to an additional premium being paid and shown on the validation certificate Medical Excess increased to £650 Personal Accident Sum insured reduced by 50% Personal Liability Cover is excluded
Canyoning
High Diving under 5m (no cliff diving)
Horse Jumping (no Polo, no Hunting – riding hat to be worn)
Kite Surfing
Parasailing/parascending (over land, non incidental)
Rock Climbing (under 2,000m)
Rock Scrambling (under 4,000m)

 

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Age Groups

Group:	Definition:
Adults	Any person aged 19 to 75
Children aged 3-18	Any person aged between 3 and 18 years travelling with a parent or guardian living at the same address
Couple (2 adults aged 19-65)	means the first named Insured Person and either their fiance(e), spouse/partner who is normally resident at the same address.
Family (2 adults aged 19-65)	means up to two adults and up to 5 of their children, step children or foster children aged under 19, accompanying the parents or legal guardian insured on the same policy travelling on any Trip to the same destination. Under annual multi trip cover either adult is also insured to travel on their own.
Family (1 adult aged 19-65)	means one adult and up to 5 of his/her children, step children or foster children aged under 19, accompanying the parent insured on the same policy travelling on any Trip to the same destination. Under annual multi trip cover the adult is also insured to travel on their own.

 

Maximum Age Limits
Single Trip - 75 years
Annual Multi Trip - 65 years
Backpacker - 45 years

 

Unaccompanied Children
If you wish to insure an unaccompanied child please call us on 0845 092 0544

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Are You Eligible to Buy This Policy?

This policy is only available to you if you are permanently resident in the United Kingdom and registered with a Medical Practitioner in the United Kingdom and have been for the past six months, prior to date of issue of your policy.

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Duration

Date:	Definition:
Departure Date:	The date the trip commences
Return Date:	The date you return home from your trip
Policy Start Date:	This is the start date for an annual travel insurance policy All policy benefits, including cancellation, apply from the start date of the policy. If you have already booked a holiday and need cancellation protection immediately you should enter today's date as the start date. Please note, no cover can commence before the date and time that you purchase the policy.
Duration:	This is the period that the insurance is operative

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Destinations

Area:	Definition:
UK/Channel Islands/Ireland	The United Kingdom, Channel Islands, Isle of Man and the Republic of Ireland
Europe	The Continent of Europe west of the Ural Mountains including all countries with a Mediterranean coastline (except Israel, Lebanon and Libya)
Australia & New Zealand	Australia and New Zealand
Worldwide ex USA/Can/Caribbean	Anywhere in the world excluding USA, Canada and the Caribbean
Worldwide	Anywhere in the world (including USA, Canada and the Caribbean)

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Medical Information

Important conditions relating to health

Medical Screening Telephone: 0845 092 0544
Medical Screening Lines Opening Hours:
8am to 9pm Monday to Friday,
10am to 5pm Saturday and Sunday (including all Public and Bank Holidays - excluding Christmas day)

If You do not comply We may at Our option cancel the policy or refuse to deal with Your claim or reduce the amount of any claim payment.

1. It is a condition of this policy that You will not be covered under section A - Cancellation or curtailment charges, section B - Emergency medical and other expenses, section C - Hospital benefit and section D - Personal accident for any claims arising directly or indirectly from:

a)At the time of taking out this policy:

i) Any Medical Condition You have, or have had, for which You and are taking prescribed medication or are waiting to receive, or have received treatment (including surgery, tests or investigations) within the last 2 years unless We have agreed, in writing, to cover You

ii) If You have only one Medical Condition and this is one of those shown in the table of NO SCREEN CONDITIONS* at the foot of this page then this will be covered under the policy without the need to contact Us. We cannot provide cover in respect of the following:

ii) Any Medical Condition for which You, a Close Relative or a Travelling Companion have received a terminal prognosis.

iii) Any Medical Condition for which You, a Close Relative or a Travelling Companion have not had a diagnosis.

iv) Any Medical Condition for which You, a Close Relative or a Traveling Companion are on a waiting list for or have knowledge of the need for surgery, in patient treatment or investigation at a hospital, clinic or nursing home.

v) Any circumstances You are aware of that could reasonably be expected to give rise to a claim on this policy. Unless You have been given Our agreement.

b) You will not be covered for:

i) Any Medical Condition You have in respect of which a Medical Practitioner has advised You not to travel or would have done so had You sought his/her advice.

ii) Any Medical Condition for which You are travelling with the intention of obtaining medical treatment (including surgery or investigation) or advice outside of the United Kingdom or within the Channel Islands.

iii) Any Medical Condition for which You are not taking the recommended treatment or prescribed medication as directed by a Medical Practitioner.

iv) Pregnancy or childbirth where You are expected to give birth within eight weeks of the start of the Trip, during the Trip or within eight weeks of the end of the Trip.

* NO SCREEN CONDITIONS
(for which You do not have to contact Us if You only have one of these)

Acid reflux
Acne
Attention Deficit Hyperactivity Disorder
(ADHD)
Allergy
(requiring non prescriptive treatment only)
Broken bones
Cataracts
Colds or influenza
Dyspepsia
Eczema
Irritable Bowel Syndrome
Gout
Hayfever
Hypercholesterolaemia
(high cholesterol)
Hysterectomy
(provided carried out more than 6 months ago)
Menopause
Migraine
Psoriasis
Tonsilitis
Underactive thyroid
Varicose Veins

You should also refer to the general exclusions in the full policy wording.

 

Terrorism

A General Exclusion applies in respect of War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, Terrorism, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power.

This exclusion shall not apply to losses under Section B - Emergency medical and other expenses, Section C - Hospital benefit and Section D - Personal accident unless such losses are caused by nuclear, chemical or biological attack, or the disturbances were already taking place at the beginning of any Trip.

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