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Details and documents - Travel insurance

There are 2 levels of cover available, single trip and annual multi trip. Single trip insurances cover the period of the trip only. Annual multi-trip insurances are usually for a 12 month period.

You may have the option to purchase European or worldwide cover. The geographical limit applicable to your insurance will be stated in the Schedule.

The limits under the policy are as follows:

Medical and Emergency expenses

Up to £5 million incurred outside the UK including the cost of repatriation.

Cancellation and curtailment up to £3,000

Reimbursement for irrecoverable deposits, advance payments or other charges you are committed to pay for travel and accommodation.

Delayed departure up to £3,000

Additional payments if your travel is delayed for more than 12 hours or cancellation cover if your trip has to be abandoned as a result of the delay.

Personal accident up to £25,000

Cover for death or permanent disability as a direct result of an accident which occurs during your trip.

Baggage and personal effects up to £1,500

Cover for loss of or damage to baggage, clothing or personal effects whilst on a trip.

Money up to £1,000

Includes loss of cash, traveller’s cheques, travel tickets, passports, driving licence and green card whilst on a trip. A £250 Cash Limit applies per person.

Personal liability up to £2 million

Cover for costs you are legally liable to pay in respect of accidental death, injury or third party property damage. We will also pay legal expenses up to £25,000 if you need to pursue a claim against a third party and we feel that the claim will be met by them.

More information on the cover available and the exclusions are available in our FAQ section or in the policy summary and policy wording documents.

Documents

• Policy summary (PDF 67kb)
• Policy wording (PDF 186kb)