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Summary of cover

Policy Summary (policies issued after 01/09/2008)

Policy Section	Limit of Cover per person (Economy)	Excess
1. Personal Assistance Services Provides help to replace lost travel documents, or prescription medication, trace luggage or to transfer emergency funds.	£250 per trip	Nil
2. Medical Emergency & Repatriation If you have a sudden and unforeseen accident or illness during your trip we will pay for your reasonable medical expenses and the costs of bring you back to the UK.	£3,000,000	£100
3. Emergency Dental Treatment We will pay for the cost of providing temporary neccessary treatment for the immediate relief of pain	£250	£100
4. Additional Accommodation & Travelling Costs We will pay for the additional accommodation and travelling costs of anyone medically required to accompany you home	£500	Nil
5. Hospital Daily Benefit We will pay you a daily benefit per complete day of in-patient treatment up to a maximum amount.	Nil	Nil
6. Cancellation, Curtailment & Trip Interuption We will pay for the costs of your trip if you have to cancel because of the unforeseen illness or death of a close relative, or if your presence is required in the UK because you are called up on jury service, subpoenaed as a witness in a court of law, or your home has been severely damaged, or you are made redundant, or you are compulsorily quarantined, or if you cancel after a 12- hour delay.	£500	£100 (£10 loss of deposit)
7. Travel Delay If Your Outward journey is delayed for more than 12 hours:	Nil	Nil
8. Departure Assistance & Missed Connection We will pay reasonable additional costs incurred should you be delayed or miss your connection because of failure of public transport, or breakdown of or accident to the private vehicle in which you are travelling.	Nil	Nil
9. Missed Departure We will pay reasonable additional travelling and accommodation expenses necessarily incurred to reach your booked destination because of failure of public transport, or breakdown of or accident to the private vehicle in which you are travelling.	Nil	Nil
10. Personal Luggage If your luggage is lost, stolen or damaged we will pay for the cost of replacement (less wear, tear and depreciation). Single article, Pair or Set of articles Valuables Limit Valuables Limit (aged under 18)	£200 £100 £100 £100	£100 £100 £100 £100
11. Luggage Delay We will pay a benefit to purchase essential items if your luggage is delayed on your outward journey	Nil	Nil
12. Money & Passport We will cover you for the loss of money you are carrying on your person or which you have left in a safety deposit box. If you lose your passport we will pay for reasonable travel and accommodation costs incurred in replacing it. Cash Limit Cash Limit (aged under 18) Passport & Travel Documents	£100 £50 Nil	£100 £100 Nil
13. Personal Liability If you become legally liable for accidentally injuring any person or damaging their property, we will cover you against all sums which you become legally liable to pay and all costs awarded to the claimant or incurred in defending the claims	£2,000,000 per policy	£100
14. Personal Accident Covers you for loss of life, limb or sight that occurs during the trip after an accident. Death If the insured person is aged under 18 or over 65 Loss of Limb & Loss of Sight Permanent Total Disablement All Benefits (aged 66 and over)	£10,000 £1,000 £10,000 £10,000 £1,000	Nil Nil Nil Nil Nil
15. Legal Protection If you suffer death, illness or injury during your trip and decide to take legal action in pursuit of compensation, we will pay for legal costs and additional travel expenses.	£10,000 per policy	£200
16. Mugging We will pay you if you sustain actual bodily injury as a result of a mugging attack	Nil	Nil
17. Hijack Covers you if your aircraft or sea vessel is hijacked for more than 24 hours	Nil	Nil
18. Disaster If your accommodation can not be lived in because of fire, flood, earthquake or storm we will provide you with similar accommodation	Nil	Nil
19. Withdrawal of Services Covers you if you are without water, gas or electricity for more than 60 hours	Nil	Nil
20. Domestic Pets If your return journey is delayed we will pay for extra kennel or cattery fees	Nil	Nil
21. Home Country Medical Transfer If you are hospitalised during a trip within your home country we will arrange and pay for your transfer to a suitable hospital near your home	Nil	Nil
22. Additional Accomodation Costs We will pay for the additional accommodation and travelling costs of anyone medically required to accompany you home	Nil	Nil
Optional Winter Sports cover - Your policy can be extended to cover winter sports on payment of an additional premium
23. Cancellation, Curtailment & Trip Interuption In addition to Section 6 cover includes financial loss from unused ski passes, ski-school fees and unused ski-pack if you are certified unable to ski	Nil	Nil
24. Skis, Ski Equipment and Ski Pass In addition to Section 10 we will pay if the ski equipment owned or hired by you, or your ski-pass is lost or damaged. Skis & Ski Equipment Ski Pass	Nil Nil	Nil Nil
25. Ski Equipment Delay If your luggage is certified as lost we will pay for the hire of replacement skis and ski equipment.	Nil	Nil
26. Piste Closure We will pay a benefit if lack of snow prevents you from skiing for more than 24 hours.	Nil	Nil
27. Avalanche or Landslide If access to and from a ski resort is blocked we will pay a benefit toward reasonable extra travel and accommodation costs	Nil	Nil
Optional Golf cover - Your policy can be extended to cover your golf equipment on payment of an additional premium
28. Golf Equipment In addition to section 9 we will pay if the Golf Equipment owned or hired by you is lost or damaged Single Article Limit	Nil	Nil
29. Golf Equipment Hire In addition to Section 24 cover includes the hire of replacement golf equipment	Nil	Nil
30. Green Fees We will pay proportionate value of any non-refundable fees which are not used due to your sickness or adverse weather	Nil	Nil
31. Hole in one We will pay for customary bar expenses for achieving a hole in one	Nil	Nil
Optional Timeshare cover - Your policy can be extended to cover your timeshare on payment of an additional premium
32. Timeshare Cover We will pay the management and exchange fees of the contracted timeshare weeks Timeshare Cancellation Charges Timeshare Curtailment Costs	Nil Nil	Nil Nil
Optional Wedding cover - Your policy can be extended to cover your wedding on payment of an additional premium
33. Wedding Cover We will pay if your wedding rings, gifts &, attire in the event they are permanently lost or damaged Wedding Rings Wedding Gifts Wedding Attire Photographs & Videos	Nil Nil Nil Nil	Nil Nil Nil Nil
Optional Business cover - Your policy can be extended to cover your business equipment on payment of an additional premium
34. Business Equipment In addition to section 9 we will pay if the Business Equipment owned by you is lost or damaged Single Article Limit Business Samples Computer Equipment Limit Business Equipment delay	Nil Nil Nil Nil	Nil Nil Nil Nil
35. Business Equipment Hire In addition to Section 33 cover includes the hire of necessary business equipment	Nil	Nil
36. Business Money Covers the loss of business money	Nil	Nil
37. Emergency Courier In addition to Section 33 we will pay for emergency courier expenses	Nil	Nil
38. Replacement Employee Cover for a business colleague to replace you following your repatriation	Nil	Nil

Policy Section	Limit of Cover per person (Standard)	Excess
1. Personal Assistance Services Provides help to replace lost travel documents, or prescription medication, trace luggage or to transfer emergency funds.	£250 per trip	Nil
2. Medical Emergency & Repatriation If you have a sudden and unforeseen accident or illness during your trip we will pay for your reasonable medical expenses and the costs of bring you back to the UK.	£5,000,000	£85
3. Emergency Dental Treatment We will pay for the cost of providing temporary neccessary treatment for the immediate relief of pain	£250	£85
4. Additional Accommodation & Travelling Costs We will pay for the additional accommodation and travelling costs of anyone medically required to accompany you home	£1,000	Nil
5. Hospital Daily Benefit We will pay you a daily benefit per complete day of in-patient treatment up to a maximum amount.	Nil	Nil
6. Cancellation, Curtailment & Trip Interuption We will pay for the costs of your trip if you have to cancel because of the unforeseen illness or death of a close relative, or if your presence is required in the UK because you are called up on jury service, subpoenaed as a witness in a court of law, or your home has been severely damaged, or you are made redundant, or you are compulsorily quarantined, or if you cancel after a 12- hour delay.	£1,500	£85 (£10 loss of deposit)
7. Travel Delay If Your Outward journey is delayed for more than 12 hours:	£10 for each full 12 hour delay up to a maximum of £100	Nil
8. Departure Assistance & Missed Connection We will pay reasonable additional costs incurred should you be delayed or miss your connection because of failure of public transport, or breakdown of or accident to the private vehicle in which you are travelling.	£500	Nil
9. Missed Departure We will pay reasonable additional travelling and accommodation expenses necessarily incurred to reach your booked destination because of failure of public transport, or breakdown of or accident to the private vehicle in which you are travelling.	£500	Nil
10. Personal Luggage If your luggage is lost, stolen or damaged we will pay for the cost of replacement (less wear, tear and depreciation). Single article, or Pair or Set of articles Valuables Limit Valuables Limit (aged under 18)	£1,000 £150 £150 £100	£85 £85 £85 £85
11. Luggage Delay We will pay a benefit to purchase essential items if your luggage is delayed on your outward journey	£50 for the first full 24 hours, £50 for each subsequent full 24 hours; maximum £150	Nil
12. Money & Passport We will cover you for the loss of money you are carrying on your person or which you have left in a safety deposit box. If you lose your passport we will pay for reasonable travel and accommodation costs incurred in replacing it. Cash Limit Cash Limit (aged under 18) Passport & Travel Documents	£100 £50 £150	£30 £30 £85
13. Personal Liability If you become legally liable for accidentally injuring any person or damaging their property, we will cover you against all sums which you become legally liable to pay and all costs awarded to the claimant or incurred in defending the claims	£2,000,000 per policy	Nil
14. Personal Accident Covers you for loss of life, limb or sight that occurs during the trip after an accident. Death If the insured person is aged under 18 or over 65 Loss of Limb & Loss of Sight Permanent Total Disablement All Benefits (aged 66 and over)	£10,000 £2,500 £10,000 £10,000 £2,500	Nil Nil Nil Nil Nil
15. Legal Protection If you suffer death, illness or injury during your trip and decide to take legal action in pursuit of compensation, we will pay for legal costs and additional travel expenses.	£15,000 per policy	£200
16. Mugging We will pay you if you sustain actual bodily injury as a result of a mugging attack	£20 per complete 24 hours; maximum £200	Nil
17. Hijack Covers you if your aircraft or sea vessel is hijacked for more than 24 hours	Nil	Nil
18. Disaster If your accommodation can not be lived in because of fire, flood, earthquake or storm we will provide you with similar accommodation	Nil	Nil
19. Withdrawal of Services Covers you if you are without water, gas or electricity for more than 60 hours	£25 per complete 24 hours; maximum £250	Nil
20. Pet Care If your return journey is delayed we will pay for extra kennel or cattery fees	£20 per complete 24 hours; maximum £100	Nil
21. Home Country Medical Transfer If you are hospitalised during a trip within your home country we will arrange and pay for your transfer to a suitable hospital near your home	Necessary Costs	Nil
22. Additional Accomodation Costs We will pay for the additional accommodation and travelling costs of anyone medically required to accompany you home	£1,000	Nil
Optional Winter Sports cover - Your policy can be extended to cover winter sports on payment of an additional premium
23. Cancellation, Curtailment & Trip Interuption In addition to Section 6 cover includes financial loss from unused ski passes, ski-school fees and unused ski-pack if you are certified unable to ski	£1,500	£85 (£10 loss of deposit)
24. Skis, Ski Equipment and Ski Pass In addition to Section 10 we will pay if the ski equipment owned or hired by you, or your ski-pass is lost or damaged. Skis & Ski Equipment Ski Pass	£1,000 £75 per complete 24 hours; maximum £300	£50 Nil
25. Ski Equipment Delay If your luggage is certified as lost we will pay for the hire of replacement skis and ski equipment.	£20 per complete 24 hours; maximum £200	Nil
26. Piste Closure We will pay a benefit if lack of snow prevents you from skiing for more than 24 hours.	£20 per complete 24 hours; maximum £240	Nil
27. Avalanche or Landslide If access to and from a ski resort is blocked we will pay a benefit toward reasonable extra travel and accommodation costs	£20 per complete 24 hours; maximum £240	Nil
Optional Golf cover - Your policy can be extended to cover your golf equipment on payment of an additional premium
28. Golf Equipment In addition to section 9 we will pay if the Golf Equipment owned or hired by you is lost or damaged Single Article Limit	£1,000 £250	£50 £50
29. Golf Equipment Hire In addition to Section 24 cover includes the hire of replacement golf equipment	£20 per complete 24 hours; maximum £200	Nil
30. Green Fees We will pay proportionate value of any non-refundable fees which are not used due to your sickness or adverse weather	£75 per complete 24 hours; maximum £300	Nil
31. Hole in one We will pay for customary bar expenses for achieving a hole in one	£100	Nil
Optional Timeshare cover - Your policy can be extended to cover your timeshare on payment of an additional premium
32. Timeshare Cover We will pay the management and exchange fees of the contracted timeshare weeks Timeshare Cancellation Charges Timeshare Curtailment Costs	Please see Policy Wordin Please see Policy Wording	Nil Nil
Optional Wedding cover - Your policy can be extended to cover your wedding on payment of an additional premium
33. Wedding Cover We will pay if your wedding rings, gifts &, attire in the event they are permanently lost or damaged Wedding Rings Wedding Gifts Wedding Attire Photographs & Videos	£250 per ring £1,000 per couple £1,500 per couple £750 per couple	£50 £50 £50 £50
Optional Business cover - Your policy can be extended to cover your business equipment on payment of an additional premium
34. Business Equipment In addition to section 9 we will pay if the Business Equipment owned by you is lost or damaged Single Article Limit Business Samples Computer Equipment Limit Business Equipment delay	£1,000 £500 £500 £1,000 £150	£75 £75 £75 £75 Nil
35. Business Equipment Hire In addition to Section 33 cover includes the hire of necessary business equipment	£30 per complete 24 hours; maximum £300	Nil
36. Business Money Covers the loss of business money Cash Limit	£1,000 £500	£75 £75
37. Emergency Courier In addition to Section 33 we will pay for emergency courier expenses	£200	£75
38. Replacement Employee Cover for a business colleague to replace you following your repatriation	£1,000	£75

Policy Section	Limit of Cover per person (Premier)	Excess
1. Personal Assistance Services Provides help to replace lost travel documents, or prescription medication, trace luggage or to transfer emergency funds.	£250 per trip	Nil
2. Medical Emergency & Repatriation If you have a sudden and unforeseen accident or illness during your trip we will pay for your reasonable medical expenses and the costs of bring you back to the UK.	£10,000,000	£65
3. Emergency Dental Treatment We will pay for the cost of providing temporary neccessary treatment for the immediate relief of pain	£250	£65
4. Additional Accommodation & Travelling Costs We will pay for the additional accommodation and travelling costs of anyone medically required to accompany you home	£2,000	Nil
5. Hospital Daily Benefit We will pay you a daily benefit per complete day of in-patient treatment up to a maximum amount.	£25 per complete 24 hours; maximum £1,000	Nil
6. Cancellation, Curtailment & Trip Interuption We will pay for the costs of your trip if you have to cancel because of the unforeseen illness or death of a close relative, or if your presence is required in the UK because you are called up on jury service, subpoenaed as a witness in a court of law, or your home has been severely damaged, or you are made redundant, or you are compulsorily quarantined, or if you cancel after a 12- hour delay.	£5,000	£65 (£10 loss of deposit)
7. Travel Delay If Your Outward journey is delayed for more than 12 hours:	£20 for each full 12 hours delay up to a maximum of £300
8. Departure Assistance & Missed Connection We will pay reasonable additional costs incurred should you be delayed or miss your connection because of failure of public transport, or breakdown of or accident to the private vehicle in which you are travelling.	£1,000	Nil
9. Missed Departure We will pay reasonable additional travelling and accommodation expenses necessarily incurred to reach your booked destination because of failure of public transport, or breakdown of or accident to the private vehicle in which you are travelling.	£1,000	Nil
10. Personal Luggage If your luggage is lost, stolen or damaged we will pay for the cost of replacement (less wear, tear and depreciation). Single article, or Pair or Set of articles Valuables Limit Valuables Limit (aged under 18)	£2,000 £250 £250 £100	£65 £65 £65 £65
11. Luggage Delay We will pay a benefit to purchase essential items if your luggage is delayed on your outward journey	£50 for the first full 24 hours, £50 for each subsequent full 24 hours; maximum £150	Nil
12. Money & Passport We will cover you for the loss of money you are carrying on your person or which you have left in a safety deposit box. If you lose your passport we will pay for reasonable travel and accommodation costs incurred in replacing it. Cash Limit Cash Limit (aged under 18) Passport & Travel Documents	£250 £50 £200	£30 £30 £65
13. Personal Liability If you become legally liable for accidentally injuring any person or damaging their property, we will cover you against all sums which you become legally liable to pay and all costs awarded to the claimant or incurred in defending the claims	£2,000,000 per policy	Nil
14. Personal Accident Covers you for loss of life, limb or sight that occurs during the trip after an accident. Death If the insured person is aged under 18 or over 65 Loss of Limb & Loss of Sight Permanent Total Disablement All Benefits (aged 66 and over)	£10,000 £2,500 £25,000 £25,000 £2,500	Nil Nil Nil Nil Nil
15. Legal Protection If you suffer death, illness or injury during your trip and decide to take legal action in pursuit of compensation, we will pay for legal costs and additional travel expenses.	£25,000 per policy	£200
16. Mugging We will pay you if you sustain actual bodily injury as a result of a mugging attack	£40 per complete 24 hours; maximum £400	Nil
17. Hijack Covers you if your aircraft or sea vessel is hijacked for more than 24 hours	£100 per complete 24 hours; maximum £1,000	Nil
18. Disaster If your accommodation can not be lived in because of fire, flood, earthquake or storm we will provide you with similar accommodation	£1,000	Nil
19. Withdrawal of Services Covers you if you are without water, gas or electricity for more than 60 hours	£25 per complete 24 hours; maximum £500	Nil
20. Pet Care If your return journey is delayed we will pay for extra kennel or cattery fees	£25 per complete 24 hours; maximum £150	Nil
21. Home Country Medical Transfer If you are hospitalised during a trip within your home country we will arrange and pay for your transfer to a suitable hospital near your home	Necessary Costs	Nil
22. Additional Accomodation Costs We will pay for the additional accommodation and travelling costs of anyone medically required to accompany you home	£2,000	Nil
Optional Winter Sports cover - Your policy can be extended to cover winter sports on payment of an additional premium
23. Cancellation, Curtailment & Trip Interuption In addition to Section 6 cover includes financial loss from unused ski passes, ski-school fees and unused ski-pack if you are certified unable to ski	£5,000	£65 (£10 loss of deposit
24. Skis, Ski Equipment and Ski Pass In addition to Section 10 we will pay if the ski equipment owned or hired by you, or your ski-pass is lost or damaged. Skis & Ski Equipment Ski Pass	£2,000 £75 per complete 24 hours; maximum £300	£50 Nil
25. Ski Equipment Delay If your luggage is certified as lost we will pay for the hire of replacement skis and ski equipment.	£20 per complete 24 hours; maximum £200	Nil
26. Piste Closure We will pay a benefit if lack of snow prevents you from skiing for more than 24 hours.	£20 per complete 24 hours; maximum £240	Nil
27. Avalanche or Landslide If access to and from a ski resort is blocked we will pay a benefit toward reasonable extra travel and accommodation costs	£20 per complete 24 hours; maximum £240	Nil
Optional Golf cover - Your policy can be extended to cover your golf equipment on payment of an additional premium
28. Golf Equipment In addition to section 9 we will pay if the Golf Equipment owned or hired by you is lost or damaged Single Article Limit	£2,000 £250	£50 £50
29. Golf Equipment Hire In addition to Section 24 cover includes the hire of replacement golf equipment	£30 per complete 24 hours; maximum £300	Nil
30. Green Fees We will pay proportionate value of any non-refundable fees which are not used due to your sickness or adverse weather	£100 per complete 24 hours; maximum £400	Nil
31. Hole in one We will pay for customary bar expenses for achieving a hole in one	£150	Nil
Optional Timeshare cover - Your policy can be extended to cover your timeshare on payment of an additional premium
32. Timeshare Cover We will pay the management and exchange fees of the contracted timeshare weeks Timeshare Cancellation Charges Timeshare Curtailment Costs	Please see Policy Wording Please see Policy Wording	Nil Nil
Optional Wedding cover - Your policy can be extended to cover your wedding on payment of an additional premium
33. Wedding Cover We will pay if your wedding rings, gifts &, attire in the event they are permanently lost or damaged Wedding Rings Wedding Gifts Wedding Attire Photographs & Videos	£500 per ring £2,000 per couple £3,000 per couple £1,500 per couple	£50 £50 £50 £50
Optional Business cover - Your policy can be extended to cover your business equipment on payment of an additional premium
34. Business Equipment In addition to section 9 we will pay if the Business Equipment owned by you is lost or damaged Single Article Limit Business Samples Computer Equipment Limit Business Equipment delay	£1,000 £500 £500 £1,000 £200	£50 £50 £50 £50 Nil
35. Business Equipment Hire In addition to Section 33 cover includes the hire of necessary business equipment	£50 per complete 24 hours; maximum £500	Nil
36. Business Money Covers the loss of business money Cash Limit	£1,000 £500	£50 £50
37. Emergency Courier In addition to Section 33 we will pay for emergency courier expenses	£200	£50
38. Replacement Employee Cover for a business colleague to replace you following your repatriation	£1,500	£50

Economy		N/A
Standard		N/A
Premier		£56.00