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Excesses are based upon the level that you require - you can use the selector opposite to choose the excess.		Excess Level:
To give you exceptional value for money and choice, we have provided a number of different excess levels, ranging from Bronze to Platinum. These effect the amount of excess for your medical cover - Bronze has a higher excess but is cheaper through to Platinum which has no excess and costs slightly more. Remember, most price comparison websites don't show you this excess easily in order to provide you with the lowest price.
Cover	Comprehensive Cover		Comprehensive Lite
Cover	Limits up to	Excess	Limits up to	Excess
1 . Cancellation, Curtailment or Trip Interruption	£3,000	£75/£25 for Loss of Deposit	£3,000	£75/£25 for Loss of Deposit
2. Medical Emergency & Repatriation	£10,000,000	£300	£10,000,000	£300
3. Emergency Dental Treatment	£200	£75	£200	£75
4. Additional Accommodation & Travelling Cost	£1,000	Nil	£1,000	Nil
5. Hospital Daily Benefit	£10 per day up to £1,000	Nil	£10 per day up to £1,000	Nil
6. Travel Delay	£20 for the first 12 hour delay then £10 per 12 hours up to £250	Nil	£20 for the first 12 hour delay then £10 per 12 hours up to £250	Nil
– Holiday Abandonment	Up to £3000 after 24 hour delay	£75	Up to £3000 after 24 hour delay	£75
7. Missed Departure on your Outward Journey	£600	Nil	£600	Nil
8. Personal Luggage	Up to £2,000 £250 single item limit £250 valuables limit	£75	N/A	N/A
9. Luggage Delay on your Outward Journey	£200 after 24hrs	Nil
10. Money and Travel Documents
– Travel Documents	Up to £200	Nil
– Money & Cash	Up to £500 £200 cash limit £100 U18	£75
11. Personal Liability	£2,000,000	£75	£2,000,000	£75
12. Personal Accident
– Permanent Total Disablement	£25,000	Nil	£25,000	Nil
– Personal Total Disablement if over 65 years	£5,000	Nil	£5,000	Nil
– Death	£5,000	Nil	£5,000	Nil
– Death if under 18 or over 65 years	£1,500	Nil	£1,500	Nil
– Loss of limb(s)/eye(s)	£25,000	Nil	£25,000	Nil
13. Overseas Legal Protection	£25,000	Nil	£25,000	Nil
14. Mugging	£50 per day up to £500	Nil	£50 per day up to £500	Nil
>15. Hijack	£100 per day up to £1,000	Nil	£100 per day up to £1,000	Nil
16. Catastrophe	Up to £500	Nil	£500	N/A
Optional Winter Sports Cover*
17. Cancellation, Curtailment & Trip Interruption*	£3,000	£75	£3,000	£75
18. Skis, Ski Equipment, Ski Pack & Pass*
– Skis & Ski Equipment (Owned)*	£500	£75	£500	£75
– Skis & Ski Equipment (Hired)*	£200	£75	£200	£75
– Ski Pack*	£75 per 24 hours up to £300	N/A	£75 per 24 hours up to £300	N/A
– Lift Pass *	£250	Nil	£250	Nil
19. Ski Equipment Delay*	£20 per day up to £300	Nil	£20 per day up to £300	Nil
20. Piste Closure*	£20 per day up to £200	Nil	£20 per day up to £200	Nil
21. Delay due to Avalanche or Landslide*	£200	£75	£200	£75
Business Cover
22. Business Samples & Documents	£500	£75	£500	£75
23. Replacement Employee	£1,500	£75	£1,500	£75
Optional Golf Cover*
24. Golf Equipment*	Up to £1,500	£75	N/A	N/A
– Single Article Limit*	£250	£75	N/A	N/A
25. Golf Equipment Hire*	£30 per per day up to £300	Nil	N/A	N/A
26. Green Fees*	£75 per day up to £300	Nil	N/A	N/A
27. Hole-in-One Cover*	£75	Nil	N/A	N/A
Optional Wedding/Civil Partnership Cover*
28. A. Wedding Rings*	£250 per ring, up to £500	Nil	N/A	N/A
28. B. Wedding Attire & Gifts*	Up to £1,500 per couple	£75	N/A	N/A
28. C. Photographs & Videos*	Up to £750 per couple	£75	N/A	N/A

*Cover is only available in respect of the sections that include Winter Sports Cover, Golf Cover and Wedding/Civil Partnership Cover providing that the additional premium has been paid.
Shown above are the Bronze policy excesses. Your excess level is as indicated on your validation certificate, depending upon the excess selected at the time of purchase.