What’s Covered

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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 per day)
  • £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
  • Unexpected Events
  • Travel Disruption (costs to reach destination)
  • Travel Delay
  • or
  • Abandonment (after 12 hours delay)
  • Limit
    (up to) - per person
  • £2,000
  • £300
  • £300
  • £200
  • £300
  • £1,000
  • £5,000
  • £1,000
  • £120
    (£30 each 12 hrs)
  • £5,000 ****
  • Excess*
    per person
  • £75
  • Nil
  • £75
  • £75
  • £100
    (£25 loss of deposit)
  • Nil
  • Nil
  • £100

  • Part C
  • 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 Travel Advice Unit of the Foreign & Commonwealth Office (FCO) or the World Health Organisation (WHO) or similar body have issued a directive advising against all, or against all but essential 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.
**** Following an Accident whilst you are participating in an Insured Activity.