Single Trip cover will cover your trip from your departure until you return to the UK. Single Trip cover will be your most cost effective option if you are only travelling once or twice a year for short durations.
If you travel more than 2 times per year then our Annual Multi Trip policy will save you time and money with an Annual policy - this policy will cover all your trips (no matter how many) for a year.
Ensure you have the correct cover for your trip by adding optional items and 'checking' the box next to the individual optional cover item; the updated cover price will then be calculated for you. To remove an optional cover item simply 'un-check' the box. To view all optional cover items click on the down arrow on the right of the Optional Extras section.
Winter Sports; required if you plan to take part in winter sports (skiing and snowboarding) during your trip. As well as ensuring that all other aspects of your policy remain valid, it adds up to £250 to hire replacement equipment in the event that yours is delayed, up to £500 in the event of your owned or hire equipment being lost, stolen or damaged.
Cruise Cover; This Optional Cover provides additional benefits if you plan to go on a Cruise holiday with cover including up to £750 for unused excursions or if ports are missed due to adverse weather conditions.
Gadget Cover; Included as standard up to £1,000 to cover your gadget while you're on your trip. Select the Extended Gadget Cover option to increase your level of cover up to £2,000. Gadget cover will protect you for the costs of repair or replacing your gadgets if they are accidentally lost, stolen or damaged.
Please note your gadgets are subject to depreciation as they get older, and this may impact how much money you get back for your gadget.
The gadgets we cover are mobile phones, iphones, tablets, ipads, e-readers/kindles, sat navs, handheld games consoles, portable DVD players, headphones, wireless speakers, digital cameras, laptops, ipods/mp3 players, go pros and smart watches. This policy will not cover everything such as Drones.
If your gadget was bought new or is refurbished, it must have been bought from a UK company and you have a proof of purchase, such as the receipt. If your gadget was a gift or bought second-hand then, in addition to a proof of purchase, we also need a signed letter from the original owner confirming you as the owner.
Activity Pack 1; Required if you plan to take part in any activities not included in the standard activity pack. For the additional activities in Activity Pack 1 see here
Activity Pack 2; Required if you plan to take part in any activities not included in the standard activity pack. For the additional activities in Activity Pack 2 see here
Activity Pack 3; Required if you plan to take part in any activities not included in the standard activity pack. For the additional activities in Activity Pack 3 see here
Applicable to all cover sections, apart from Gadget which has an excess of £50 per insured person. The excess is the initial portion of any claim that you have to pay, per person and per incident (for all cover sections apart from gadget), applicable to a maximum of twice per trip. You can see a full explanation of how excess is calculated in our Travel Insurance Guide (accessible via the home page.) Some cover benefits have no excess applied (e.g. Loss of Passport.)
Please read policy documentation for full details
Covers the cost of medical expenses incurred for necessary emergency treatment outside of the UK. Also covers additional travel, accommodation and repatriation costs for you and any other person that is required, for medical reasons, to be with you.
Please read policy documentation for full details
This covers the cost (up to the benefit limit) of your portion of any pre-paid transport (e.g. flights), accommodation, and additional travel expenses that you cannot recover from any other source (e.g. refund from the hotel) if you cannot travel due to injury, illness, redundancy or requirements of HM Forces.
Please read policy documentation for full details
This covers the costs (up to the benefit limit) of any emergency dental treatment you may need whilst travelling outside the UK.
Please read policy documentation for full details
Cover for your baggage if accidentally lost, damaged or stolen whilst on your trip. Single article limits apply.
Please note that this is NOT old-for-new cover and allowance for wear and tear will be made.
Please read policy documentation for full details
Covers the loss incurred if your personal money is stolen (up to the benefit limit).
Please read policy documentation for full details
Included as standard on all cover levels up to £500 and available as an optional extra up to £1000 (increasing cover to £1500) to repair or replace your gadgets (mobile phone, tablet etc.) if they are accidentally lost, stolen or damaged. Gadget value will be subject to depreciation. *Gadgets are defined as Mobile Phones, iPhones, Tablets, iPads, E-readers/Kindles, Sat Navs, Handheld Games Consoles, Portable DVD players, Headphones, Wireless Speakers, Digital Cameras, Laptops, iPods/MP3 Players, Go Pros and Smart watches. This policy is not suitable for Drones.
Gadgets must have been purchased as new or in the case of refurbished items, purchased directly from the manufacturer.
Please read policy documentation for full details
If someone makes a legal claim against you (e.g. if you were to accidentally injure them or cause damage to their possessions), and you are found to be personally liable, then this benefit will cover the settlement costs (up to the benefit limit) plus any other costs incurred (e.g. legal).
Please read the policy documentation for full details
If you need to cut your holiday short and return home (e.g. due to illness, or death of a close family member), then this will cover the losses incurred (up to the benefit limit) due to the unused portions of your transport and accommodation.
Please read the policy documentation for full details
If your outbound flight is delayed for more than 24 hours and you abandon the trip this will cover the costs (up to the benefit limit) for flights and accommodation that cannot be recouped through other means (e.g. the airline refunding the cost of the flights)
Please read the policy documentation for full details
The purpose of this cover is to provide you with a financial lump sum in the event you suffer permanent total disablement, loss of sight, loss of a limb or death as a result of an accident during your trip. Cover limits vary by age, please see table of benefits in your policy wording for further details.
Please read the policy documentation for full details
Sometimes abbreviated to SAFI, this benefit will reimburse you (up to the benefit limit) for any amounts already paid to a scheduled airline (that you cannot recoup directly from them) in the event that they become insolvent before your departure.
Please read the policy documentation for full details
Sometimes called Catastrophe cover, this will cover any reasonable additional costs (up to the benefit limit) of travel and accommodation in the event that a natural disaster (e.g. flood, fire) has damaged the accommodation that you had pre-booked.
Please read the policy documentation for full details
If your passport is lost or stolen, this benefit will provide (up to the benefit limit) costs of collecting and replacing the emergency documents.
Please read the policy documentation for full details
In the unfortunate circumstance that that you get injured, illness or die whilst travelling, the purpose of this cover is to provide you with legal assistance (up to the benefit limit) to pursue a claim for compensation.
Please read the policy documentation for full details
In the unfortunate event that you are in hospital during your trip, this benefit will pay out an amount per 24 hours that you are in hospital (up to a maximum of the benefit limit)
Please read the policy documentation for full details
If your departure is delayed by more than 12 hours, this benefit will contribute towards the cost of additional parking, accommodation, food etc.
Please read policy documentation for full details
This Optional Cover is required if you plan to take part in winter sports (skiing and snowboarding) during your trip. Where you have purchased an annual multitrip policy you are only covered for either 17 days of Winter Sports activity during the insurance period. Your limit will be displayed in your policy schedule. As well as ensuring that all other aspects of your policy remain valid, it adds the following cover:
Please read the policy documentation for full details
This provides cover towards the cost of hiring equipment in the event that your own ski equipment is delayed for more than 12 hours. Where you have purchased an annual multitrip policy you are only covered for either 17 or 24 days of Winter Sports activity during the insurance period. Your limit will be displayed in your policy schedule
Please read policy documentation for full details
This helps to cover the cost of replacing hired, or owned, ski equipment in the event that it's lost, stolen or damaged. Where you have purchased an annual multitrip policy you are only covered for either 17 or 24 days of Winter Sports activity during the insurance period. Your limit will be displayed in your policy schedule
Please read policy documentation for full details
Compensation in the event that you're unable to ski due to lack of snow.
Please read policy documentation for full details
Contribution towards the additional costs incurred if you're unable to access/leave your resort due to avalanche. 24hr limits apply and total shown is total cover available.
Please read policy documentation for full details
This Optional Cover is required if you plan to go on a Cruise holiday. As well as ensuring that all other aspects of your policy remain valid, it adds the following cover:
Please read the policy documentation for full details
This optional benefit covers additional travel expenses incurred to reach the next port destination if you're prevented from making your initial departure or connecting flight due to a variety of scenarios.
Please read policy documentation for full details
This optional benefit provides Compensation in the event that the cruise operator is unable to dock at a designated port.
Please read policy documentation for full details
Compensation in the event that you're confined to your cabin due to an accident or illness during your cruise.
Please read policy documentation for full details
This Optional Cover specifically covers your golf equipment plus a number of other golf related benefits:
Please read the policy documentation for full details
This cover contributes towards the cost of hiring golf equipment in the event that your is lost, stolen or damaged on your outward journey.
Please read policy documentation for full details
Covers the cost of repairing or replacing lost, stolen or damaged equipment.
Please read policy documentation for full details
Covers the cost of lost green fees should a pre-booked course become unplayable due to adverse weather conditions.
Please read policy documentation for full details
Contribute towards costs incurred if you achieve a hole in one!!!!
Please read policy documentation for full details
The Business Cover option ensures that all aspects of your policy are still valid if used to cover a business trip as well as adding a number of business specific benefits:
Please read the policy documentation for full details
Covers for the loss or theft or your business cash during your trip.
Please read policy documentation for full details
Covers for the repair or replacement of business effects that get lost, damaged or stolen whilst on your business trip.
Please read policy documentation for full details
Contribute towards the transportation costs for replacing business samples that get lost, stolen or delay for more than 12 hours on the outward journey.
Please read policy documentation for full details
If you were unable to complete your business trip, this benefit covers cost for a replacement employee to travel or for you to return to complete the trip.
Please read policy documentation for full details
If you're enjoying your happy day abroad, this Optional Cover will ensure that all the extra things you bring with you for a wedding are covered. Cover includes:
Please read policy documentation for full details
Covers costs incurred due to loss or damage of wedding rings.
Please read policy documentation for full details
Cover for the loss or theft of gifts given to the happy couple.
Please read policy documentation for full details
This provides cover for two scenarios:
Please read policy documentation for full details
Covers the cost to replace or repair damaged, lost or stolen wedding dress/suit/shoes and the like.
Please read policy documentation for full details
This option reduces the excess on your policy to £0
Please read policy documentation for full details
Provides cover if your valuables (as defined in the policy wording) are lost, damaged or stolen whilst on your trip.
Please read policy documentation for full details
Your total limit for possessions is up to the amount shown in baggage and this is split into categories within that amount with a single item limit as per this benefit.
Please read policy documentation for full details
This provides cover for alternative transport costs and accommodation costs (room only) if you fail to board the public transport on which you are booked to travel due to the failure of other public transport, an accident or breakdown of the vehicle in which you are travelling, an accident, breakdown or unexpected traffic which causes unexpected delay, strike or adverse weather conditions.
Please read policy documentation for full details
Abseiling (Within Organisers Guide-Lines), *Administrative, Clerical Or Professional Occupations, Aerobics, Airboarding, Archaeological Digging, Archery, Athletics, Badminton, Banana Boating, Baseball, Basketball, *Battle Re-Enactment, Beach Games, Billiards/Snooker/Pool, Body Boarding (Boogie Boarding), Bowls, Breathing Observation Bubble (Bob), *Camel Riding (No Personal Liability Cover), *Camp America – Counsellor, Canoeing (Up To Grade 2 Rivers), *Catamaran, Sailing (If Qualified And No Racing Or Liability Cover), *Clay Pigeon Shooting (No Liability Cover), Climbing (On Climbing Wall Only), Cricket, Croquet, Cross Country Running (Non-Competitive), Curling, Gaelic Football - Not Main Purpose Of The Trip, *Glass Bottom Boats/Bubbles (No Liability Cover), *Go Karting (Within Organisers Guidelines And No Liability Cover), Golf, Handball, *Hobie Catting (If Qualified And No Liability Cover), Horse Riding (Excluding Competitions, Racing, Jumping And Hunting), Hot Air Ballooning (Organised Pleasure Rides Only), *Hovercraft Driving/Passenger (No Liability Cover), Hurling - Not Main Purpose Of The Trip, Hydro Zorbing, Ice Skating, In-Line Skating/Roller Blading (Wearing Pads And Helmets), Indoor Skating/Skateboarding (Wearing Pads And Helmets), Javelin Throwing, *Jet Boating (No Racing Or Liability Cover), Jogging, Kayaking (Up To Grade 2 Rivers), Korfball, Netball, Octopush, Orienteering, *Paint Balling/War Games (Wearing Eye Protection And No Liability Cover), Parasailing/Parascending - Over Water, Passenger Sledge,Pedalos, Pilates, Pony Trekking, *Power Boating (No Racing, Non-Competitive And No Liability Cover), Racket Ball, Refereeing, Trekking/ Walking /Rambling Up To 2,500 Metres Above Sea Level, *Trikke Riding (Organised Tours Only, Wearing Correct Safety Equipment Including A Helmet), Tug Of War, Volleyball, Cycling (no racing or competitions). All protective clothing (e.g. helmet) must be worn. No cover for Mountain Biking - see separately listed activity, dancing (including instruction), *dinghy sailing (no liability cover), *Driving motorised vehicles (excluding Quad bikes) for which you are licensed to drive in the United Kingdom (other than in motor rallies or competitions) and wearing a helmet if driving a motorbike, moped or scooter and no liability cover, elephant riding/trekking, falconry, fell walking/running (up to 2,500 metres above sea level), fencing, fishing / deep sea fishing, fives, flying (as a fare paying passenger in a fully licensed passenger carrying aircraft), flying fox (cable car), football (American) - not main purpose of the trip, football (Association) - not main purpose of the trip, frisbee/ultimate frisbee including competitions, *rifle range shooting, ringos, roller skating/blading/in line skating (wearing pads and helmets), rounders, rowing (except racing), running, safari trekking/tracking in the bush (must be organised tour), *sailing (if qualified or accompanied by a qualified person and no liability cover or racing), sail boarding/windsurfing, sand boarding/surfing/skiing, sand dune surfing/skiing, *sand yachting (no liability cover), scuba diving to 18 metres (if qualified scuba diver or accompanied by qualified instructor and not diving alone or involved in cave diving), *Segway riding (organised tours only, wearing correct safety equipment including a helmet), skateboarding (wearing pads & helmets), sledging/tobogganing (not on snow), snorkelling, soccer- not main purpose of the trip, softball, spear fishing (without tanks), *speed sailing (no liability), sphering/ Zorbing, squash, surfing, swimming, swimming with dolphins, swimming/bathing with elephants, Sydney harbour bridge (walking across clipped onto safety line), table tennis, *tall ship crewing (no racing and no liability cover), ten pin bowling, tennis, trampolining, tree canopy walking, Wake Boarding, Water Polo, Water Ski Jumping, Water Skiing, Whale Watching, Wicker Basket Tobogganing, Wind Surfing/Sailboarding, Wind Tunnel Flying (Pads And Helmets To Be Worn) *Yachting (If Qualified And No Liability Cover) Yoga
The following activities are included in Activity Pack 1 plus all the activities in our standard activity pack:
Blokarting (No Liability Cover), Body Building, Field Hockey, Fruit Or Vegetable Picking, Gorilla Trekking, Gymnastics, High Diving, Lacrosse, Marathon Running (Not Professional), Minjin Swinging, * Mountain Biking, (No Racing, Competition’s Or Extreme Downhill Mountain Biking - E.G. A Very Steep Course Which Was Specifically Designed To Be Used By Professional Cyclists Only). All Protective Clothing (E.G. Helmet) Must Be Worn. Height Restriction Of 2,500 Metres Above Sea Level, Mud Buggying, Rap Jumping/Running (Within Organisers Guidelines), *Restaurant/Bar Work, *Retail Trade Including Manual Work (But Not Including The Use Of Power Tools And Machinery), Rhino Trekking, River Tubing, Roller Hockey, Shinty, Street Hockey (Wearing Pads And Helmets), Street Luge, Superintendance Of Manual Work, Tubing
Further details regarding our Activity Packs can be seen in our Activity Guide (which can be found in the link above and from the Our Policies page.) You can add Activity Packs 1, 2 and 3 in the Optional Extras section.
The following activities are included in Activity Pack 2 plus all the activities Activity Pack 1 and those in our standard activity pack:
Bamboo Rafting, Canoeing (Up To Grade 3 Rivers), Dune Sliding, Dune/Wadi Buggying/Bashing, Grass Skiing, Heptathlon, Kayaking (Up To Grade 3 Rivers Or Coastal Waters), Manual Work (But Not Including The Use Of Power Tools And Machinery), Occasional Light Manual Work (But Not Including The Use Of Tools And Machinery), Polo, Polo Cross, Scuba Diving To 30 Metres (If Qualified Scuba Diver Or Accompanied By Qualified Instructor And Not Diving Alone Or Involved In Cave Diving), Sea Canoeing/Kayaking (Within Sight Of Land), Trekking/Walking/ Rambling Between 2,501 To 3,500 Metres Above See Level, Via Ferrata, Weightlifting
Further details regarding our Activity Packs can be seen in our Activity Guide (which can be found in the link above and from the Our Policies page.) You can add Activity Packs 1, 2 and 3 in the Optional Extras section.
The following activities are included in Activity Pack 3 plus all the activities Activity Pack 1, 2 and those in our standard activity pack:
Bungee Jumping (Within Organiser’s Guidelines), Bungee Slingshot, Bungee Swoop (Within Organiser’s Guidelines), Bungee Trampolining, Canoeing (Grade 4 And Above Rivers), Capoeira - No Contact - Dance Movement Only, Elephant Polo, Hang Gliding, *Jet Skiing (No Racing), Judo, Karate, Kayaking (Grade 4 And Above Rivers), Kite Boarding, Land Skiing, Ostrich Riding Or Racing, Paragliding, *Paramotoring, Parapenting/Paraponting, Parasailing/Parascending - Over Land, Pot Holing/Caving, *Quad Biking, Rugby - Not Main Purpose Of The Trip, Scuba Diving To 40 Metres (If Qualified Scuba Diver Or Accompanied By Qualified Instructor And Not Diving Alone Or Involved In Cave Diving), Sky Jumping (From Sky Tower In Auckland, New Zealand Only), Tai Chi, White Water Canoeing/Kayaking/ Touring Up To Grade 4, White Water Rafting (Within Organisers Guidelines) Up To Grade 4
Further details regarding our Activity Packs can be seen in our Activity Guide (which can be found in the link above and from the Our Policies page.) You can add Activity Packs 1, 2 and 3 in the Optional Extras section.
Cover for your unused pre-booked excursions which you cannot use because you are confined to your cabin due to an accident
or illness.
Please read policy documentation for full details
Cover for your reasonable additional accommodation and public transport travel expenses (up to the standard of your original booking) so that you may continue your trip If your trip is disrupted due to:
• a catastrophe or
• the public transport on which you were booked to travel being cancelled or delayed for at
least 12 hours, diverted or redirected after take-off or
• you are involuntarily denied boarding and no suitable alternative is offered within 12 hours.
Please read policy documentation for full details
Provides cover (up to the benefit limit) for replacement of essential items if lost in transit due to carrier error during the outward journey for more than 12 hours.
Please read policy documentation for full details
Covers the loss incurred if your cash is stolen (up to the benefit limit)
Please read policy documentation for full details
£1000 of cover included as standard on all cover levels, with an optional extra £1000 of cover (increasing cover to £2000), to repair or replace your gadgets (mobile phone, tablet etc.) if they are accidentally lost, stolen or damaged. *Gadgets are defined as Mobile Phones, Tablets, iPads, E-readers/Kindles, Sat Navs, Handheld Games Consoles, Portable DVD players, Headphones, Wireless Speakers, Cameras, Laptops, iPods/MP3 Players and Smart watches.
You can add or remove cover for this item by going to the Optional Extras section on this page
This Optional Cover is required if you plan to take part in winter sports (skiing and snowboarding) during your trip. Where you have purchased an annual multitrip policy you are only covered for either 17 days of Winter Sports activity during the insurance period. Your limit will be displayed in your policy schedule. As well as ensuring that all other aspects of your policy remain valid, it adds the following cover:
Please read the policy documentation for full details
This optional benefit provided cover for if, once your cruise has started, a scheduled port visit is cancelled due to adverse weather or timetable
restrictions and no alternative port can be offered
Please read policy documentation for full details
This optional benefit provides cover for unused pre-booked excursions which you cannot use because you are confined to your cabin due to an accident
or illness
Please read policy documentation for full details
Cover for the accidental loss of, theft of or damage to your own ski equipment.
Please read policy documentation for full details
Cover for the accidental loss of, theft of or damage to hired ski equipment.
Please read policy documentation for full details
Cover for skiing and snowboarding off piste with a guide and is included under Medical Expenses Limit, when winter sports is purchased
Please read policy documentation for full details
Included within your total medical expenses when wintersports is purchased
Included within your total medical expenses when wintersports is purchased
In the unfortunate event that you are in hospital during your trip, this benefit will pay out an amount per 24 hours that you are in hospital (up to a maximum of the benefit limit)
Please read the policy documentation for full details
If your departure is delayed by more than 12 hours, this benefit will contribute towards the cost of additional parking, accommodation, food etc per 12 hours.
Please read policy documentation for full details
Cover for your baggage if accidentally lost, damaged or stolen whilst on your trip. Single article limits apply.
Please note that this is NOT old-for-new cover and allowance for wear and tear will be made.
Please read policy documentation for full details
Provides cover (up to the benefit limit) for replacement of essential items if lost in transit due to carrier error during the outward journey for more than
12 hours.
Please read policy documentation for full details
Covers the loss incurred if your cash is stolen for those under 16 years of age (up to the benefit limit)
Please read policy documentation for full details
Cover for obtaining a replacement of your important documents which have been lost, damaged or stolen whilst outside of your home area. This is to enable you to return home or continue your trip.
Please read policy documentation for full details
The purpose of this cover is to provide you with a financial lump sum in the event you suffer permanent total disablement, loss of sight, loss of a limb or death as a result of an accident during your trip. Cover limits vary by age, please see table of benefits in your policy wording for further details.
Please read the policy documentation for full details
Included as standard on all policies up to £1,000 to cover your gadget while you're on your trip. Gadget cover will protect you for the costs of repair or replacing your gadgets if they are accidentally lost, stolen or damaged. Please note your gadgets are subject to depreciation as they get older, and this may impact how much money you get back for your gadget.
The gadgets we cover are mobile phones, iphones, tablets, ipads, e-readers/kindles, sat navs, handheld games consoles, portable DVD players, headphones, wireless speakers, digital cameras, laptops, ipods/mp3 players, go pros and smart watches. This policy will not cover everything such as Drones.
If your gadget was bought new or is refurbished it must have been bought from a UK company and you have a proof of purchase, such as the receipt. If your gadget was a gift or bought second-hand then, in addition to a proof of purchase, we also need a signed letter from the original owner confirming you as the owner.
Please read the policy documentation for full details
Cover for the cost of unauthorised calls, messages and downloads made from your gadget after it was stolen. Cover will only apply within 24 hours of discovery of the theft of your gadget.
Please read the policy documentation for full details
Cover per day for the cost of hiring replacement ski equipment if your owned ski equipment is lost, stolen or damaged
(including temporary loss in transit for more than 24 hours) up to the cover total.
Please read the policy documentation for full details
Total cover for the cost of hiring replacement ski equipment if your owned ski equipment is lost,stolen or damaged
(including temporary loss in transit for more than 24 hours).
Please read the policy documentation for full details
This optional additional cover increases your gadget cover by £1000, giving you a total cover of £2000.
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