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| Summary Of Cover
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1. Cancellation Or Curtailment (including loss of
deposit) - Up to £3,000
Costs irrecoverable from another source following the
cancellation or curtailment of the journey or holiday
due to illness, injury, death, quarantine, jury service,
witness call or redundancy. (Terms and Conditions
apply). View Policy Wording
2. Personal Accident - Up to £25,000
A payment in the event of an accident resulting in death
or loss of eye(s), limb(s) or permanent disablement. The
death benefit is limited to £5,000 (£1,500 for insureds
under 16 years and 65 years and over). View Policy Wording
3. Emergency Medical Expenses including Air Ambulance -
Up to £10,000,000
The cost of emergency medical expenses and surgical
treatment (including emergency dental treatment)
incurred outside the United Kingdom or normal country of
residence.
The cost of return to the United Kingdom or home country
of a sick or injured Insured by air ambulance where
medically necessary.View Policy Wording
4. Hospitalisation Benefit - £10 per day up to £1,000
In addition to medical expenses a benefit of £10 per day
will be paid for each full 24 hours spent as an
in-patient in a hospital outside the United Kingdom or
normal country of residence. Or £50 each full 24 hours
if as a result of a mugging attack. View Policy Wording
5. Personal Possessions and Money- Up to £2,000
Lost baggage and personal effects with limit of £250 per
single item, set or pair, and £250 in respect of
valuables and Delayed Baggage up to £200. View Policy Wording
6. Money - Up to £500
Loss of cash and travellers cheques, with a cash limit
of up to £200. View Policy Wording
7. Loss of Passport/ DRIVING LICENCE EXPENSES - Up to
£200 /Explorer £250
If during the Period of the Holiday/Journey Your
passport/driving licence is accidentally lost or stolen,
We will reimburse the reasonable additional
accommodation and travel expenses necessarily incurred
abroad by You in obtaining a replacement up to a maximum
of £200 Superior Cover, £250 Explorer Cover.View Policy Wording
8. Travel Delay - Up to £250
For outbound and return journeys, £20 after the first 12
hours delay and £10 after each subsequent 12 hours delay
up to a maximum of £250, or subject to a delay of at
least 12 hours having occurred on the outbound journey,
or should the client decide to cancel after 24 hours up
to £3,000 of the holiday cost.View Policy Wording
9. Missed Departure - Up to £600
The additional cost of travel and accommodation
following missed departure due to failure of public
transport services or breakdown or accident involving
the vehicle in which an Insured Person is travelling.
View Policy Wording
10. Personal Liability - Up to £2,000,000
Those costs which a person may be legally liable to pay
following injury to a third party or damage to third
party property. View Policy Wording
11 Legal Expenses - Up to £25,000
With prior consent of the underwriters our travel
insurance covers the costs of legal expenses incurred in
the process of recovering compensation or damages due to
death, injury or illness as a result of negligent acts
by a third party. View Policy Wording
12. Hijack - Up to £1,000
If You are prevented from reaching Your scheduled
destination as a result of Hijack of the aircraft, coach
or ship in which You are travelling, We will pay You
£100 for each full 24 hours of delay up to the maximum
stated in the schedule. View Policy Wording
13. Mugging Benefit - Up to £500 (£50 per 24 hours)
If You sustain actual bodily injury as a result of a
mugging attack during the Period of Insurance resulting
in medical treatment necessitating admission to an
overseas hospital, We will pay You £50 per complete 24
hours You are hospitalised up to £500 in all . View Policy Wording
14. Catastrophe- Up to £500
Whilst You are abroad We will pay You up to the limit
shown in the schedule should You be forced to move from
Your pre-booked and pre-paid accommodation as a result
of fire, explosion, earthquake, storm, tempest,
hurricane, flood, medical epidemic or local Government
directive which is confirmed in writing by a local or
national authority, for the irrecoverable travel or
accommodation costs necessarily incurred to continue
with Your Trip or if the Trip cannot be continued, for
Your return to Your country of
residence. View Policy Wording
15. Homecare- Up to £100
In the event that on return from the Holiday/Journey,
Your Home has been damaged during the Period of
Insurance rendering it unsafe or insecure or resulting
in unreasonable discomfort to the occupants, We will
indemnify You for the cost of repairs up to £100. View Policy Wording
Summary Of Business Cover :
16. Replacement Personnel - Up to £1,500
The cost of replacement personnel if you are unable to
attend a business meeting due to your injury or illness.
View Policy Wording
17. Business Samples and Documents - Up to £500
The cost of business samples or documents lost or
damaged View Policy Wording
Summary of Winter Sport Cover :
18. Ski Equipment - Up to £500
To pay up to £500 in all each Insured Person in respect
of accidental loss or theft of or damage to snowboards,
skis, bindings, boots or poles under 5 years old subject
to a limit of £200 any one pair (see note below). There
is an overall limit of £200 in respect of hired equipmen
. View Policy Wording
19. Ski Hire - £20 per day up to £300 (includes
equipment delay)
Necessary hire of replacement equipment due to loss,
damage or delay to your equipment. View Policy Wording
20. Ski Pack - £75 per week up to £300
The proportionate loss of value of any unused ski pass,
ski hire or tuition fee following accident or sickness
of an Insured or loss or theft of a ski pass. View Policy Wording
21.SKI PASS - Up £250
We will pay up to £250 per Insured Person if Your ski
pass You are carrying on Your person or have left in a
safety box is lost, View Policy Wording
22. Piste Closure - Up to £200
A benefit of up to £20 per day in the event that it is
not possible to ski in the pre-booked ski resort for a
period in excess of 12 hours due to lack of snowfall or
£10 per day in respect of travel costs to transport the
Insured to the nearest resort where skiing is possible.
View Policy Wording
23. Avalanche Closure - Up to £200
Additional cost of transport or accommodation following
delay of more than 12 hours in your departure for your
scheduled destination directly due to an avalanche. View Policy Wording
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