PEACE OF MIND PROTECTION
This is a summary of benefits only.
Click here for full policy terms & conditions including excesses.
Please note:
Part A may be taken in isolation.
Part B can only be taken with Part A.
Part C can only be taken with Part A & B.
- Part A
- Medical & Emergency Expenses**
- Emergency dental treatment (for relief of pain only)
- Burial Costs/Body Repatriation
- Hospital inconvenience benefit
- Search & Rescue costs
- Personal Accident***
- Personal Liability
- Activity Equipment
- Single items, pair or set limit
- Delayed Activity Equipment (over 12 hours)
- Activity Equipment Hire
- Legal Expenses
- Curtailment††
- Limit
(up to) - per person - £10 Million£10M
- £300
- £3,500
- £400(£20 / 24hrs)
- £50,000(£10,000 in home area†)
- £5,000
- £2 Million£2M
- £1,000 ****
- £600 ****
- £200
- £300
- £25,000
- £2,000
- Excess*
per person - £100
- Nil
- £500
- Nil
- Nil(£200 property damage)
- £75
- Nil
- Nil
- Nil
- £100
- Part B
can only be taken with Part A - Possessions, Personal Effects, Money & Documents
- Personal Possessions
- Single item, pair or set limit
- Valuables limit
- Delayed Possessions (over 12 hours)
- Loss of Personal Money
- Loss of Travel Documents (incl. Passport)
- Cancellation, Loss of Deposit or Curtailment
- Pre-paid Activity Course Fees limit
- Unexpected Events
- Travel Disruption (costs to reach destination)
- Travel Delay
- Emergency dental
- or
- Abandonment (after 12 hours delay)
- Pre-paid Activity Course Fees limit
- End Supplier Failure
- Limit
(up to) - per person - £2,000
- £300
- £300
- £200
- £300
- £1,000
- £5,000 *****
- £1,000 *****
- £1,000
- £120(£30 per 12 hrs)
- £200
- £5,000 ****
- £1,000 ****
- £2,500
- Excess*
per person - £75
- Nil
- £75
- £75
- £100(£25 loss of deposit)
- Nil
- Nil
- £400
- £100
- Nil
- Part C
can only be taken with Part A & Part B - Optional Independent Traveller
- Extended Cancellation or Curtailment
- Extended Travel Delay
- Extended Travel Disruption (costs to reach destination)
- Accommodation
- Limit
(up to) - per person - £5,000
- £120(£30 each 12 hrs)
- £1,000
- £5,000
- Excess*
per person - £100
- Nil
- Nil
- £100
Independent Traveller provides extended cover for cancellation/curtailment, delayed departure and travel disruption with the addition of accommodation expenses including if your trip is disrupted by an event such as a natural disaster e.g. volcanic eruption or if the Foreign and Commonwealth Office (FCO) advises against travel. Please read the Insurance Policy for full details.
| * | The Event Excess on Parts A, B & C is the first amount of each claim, per section, for each separate incident, payable for each insured person. |
| ** | Cover under Medical & Emergency Expenses, Part A, is not available in your home area†. |
| *** | Cover under Personal Accident, Part A, is reduced to £2,500 if you are aged under 16. |
| **** | Under a Single Trip policy, the sums insured for Activity Equipment/Single items, pair or set limit, Part B, may be increased to a maximum of £10,000 per person (up to £1,500 single items, pair or set limit). Details of the cover you have chosen is shown on your schedule. |
| ***** | Under a Single Trip policy, the sums insured for Cancellation/Curtailment (including pre-paid Activity Course Fees), Part B, and Abandonment cover (including pre-paid Activity Course Fees), Part B, may be increased to a maximum of £10,000 per person. Details of the cover you have chosen is shown on your schedule. |
| † | Home area – your normal place of residence in the United Kingdom (England, Scotland, Wales, Northern Ireland, Channel Islands and the Isle of Man). |
| †† | Following an accident only whilst you are participating in an insured activity. |
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