These are the maximum sums insured. Please see Your individual Schedule of Insurance for the Level of Cover You have purchased. Benefit limits in the Table of Benefits are shown in both Sterling (£) and Euros (€) and You will be covered up to the limits shown in the same currency in which You pay Your premium and claims will also be settled in this currency. All benefits and excesses are applicable to each individual named in your Schedule of Insurance. There are three Levels of Cover options for both Annual Multi-Trip policies and Single-Trip policies – Silver, Gold and Platinum.
Silver Cover |
Gold Cover |
Platinum Cover |
Excessper insured person, per section |
|
| Cancellation or Curtailment (£/€) | 1,500 | 2,500 | 5,000 | 100 or 50 |
| Travel Disruption (£/€) | 250 | 500 | 750 | 100 or 50 |
| Alternative Accommodation (£/€) | 250 | 500 | 750 | 100 or 50 |
| Missed Departure and Transport diversion (£/€) |
250 | 500 | 750 | 100 or 50 |
| Travel Delay Inconvenience Benefit (£/€) | 10 per day up to 300 | 20 per day up to 600 | 30 per day up to 900 | Nil |
| Alteration of Itinerary (£/€) | 250 | 500 | 750 | 100 or 50 |
| Emergency Medical and Repatriation Expenses (£/€) | 1,000,000 | 3,500,000 | 10,000,000 | 100 or 50 |
| Hospital Inconvenience Benefit (£/€) | 10 per day up to 100 | 20 per day up to 200 | 30 per day up to 300 | Nil |
| Funeral Expenses (£/€) | 1,500 | 3,500 | 5,000 | 100 or 50 |
| Pet Care (Additional Kennel/Cattery) (£/€) | 50 per day up to 500 | 50 per day up to 500 | 50 per day up to 500 | Nil |
|
Personal Accident (£/€) With age-related cover limitations |
Ages 16-65 Age-related limitations in column 1 |
Ages 16-65 Age-related limitations in column 1 |
Ages 16-65 Age-related limitations in column 1 |
|
|
1) Accidental Death (£/€) Under 16 limit 2,500 Over 65 limit 5,000 |
10,000 | 15,000 | 50,000 | Nil |
|
2) Loss of one limb or one eye (£/€) Under 16 or over 65 limited to 50% |
10,000 |
15,000 |
50,000 |
Nil |
|
3) Loss of two limbs or both eyes or one limb and one eye (£/€) Under 16 or over 65 limited to 50% |
10,000 |
15,000 |
50,000 |
Nil |
|
4) Permanent Total Disablement (£/€) Under 16 limited to 50% Over 65 no cover |
10,000 | 15,000 | 50,000 | Nil |
| Baggage and Personal Effects (£/€) Single Item Pair or Set Limit (£/€) Valuables Total Limit (£/€) |
750 150 150 |
5,000 300 500 |
7,500 450 450 |
100 or 50 |
| Delayed Baggage (£/€) | 150 | 300 | 450 | Nil |
|
Money and Documents (£/€) Cash Limit (aged 18 and above) Cash Limit (under 18) |
300 150 100 |
600 300 150 |
900 450 225 |
100 or 50 |
| Fraudulent Use of Lost Credit/Debit Card (£/€) | 150 | 300 | 450 | 100 or 50 |
| Legal Expenses (£/€) | 10,000 | 15,000 | 25,000 | 250 |
| Personal Liability (£/€) | 1,000,000 | 1,500,000 | 12,000,000 | 250 |
| Hijack and Kidnap (£/€) | 50 per day up to 1,000 | 75 per day up to 1,500 | 100 per day up to 2,000 | Nil |
For Single-Trip policies optional benefits must be chosen and paid for at the time that the policy is purchased. They cannot be added once the policy has been issued.
For Annual Multi-Trip policies optional benefits can be purchased when the policy is issued or added during the validity period of the policy. If you wish to add some extra cover, it must be added before you leave home to start a Trip and cannot be added once you are already on a trip.
If you have chosen any of the optional cover benefits available, and have paid the additional premium required for this cover, the following also applies:
Silver Cover |
Gold Cover |
Platinum Cover |
Excessper insured person, per section |
|
| Winter Sports | ||||
| Owned and Hired Ski Equipment (£/€) Single Item equipment (£/€) |
500 200 |
500 200 |
500 200 |
100 or 50 100 or 50 |
| Hiring replacement ski equipment (£/€) | 20 per day up to 400 | 20 per day up to 400 | 20 per day up to 400 | Nil |
| Lift Passes (£/€) | 300 | 300 | 300 | Nil |
| Piste Closure (£/€) | 30 per day up to 300 | 30 per day up to 300 | 30 per day up to 300 | Nil |
| Avalanche Cover (£/€) | 500 | 500 | 500 | 100 or 50 |
| Business Equipment | ||||
| Business Equipment (£/€) Single Item Limit (£/€) |
2,000 500 |
2,000 500 |
2,000 500 |
100 or 50 Nil |
| Business Documents and Records (£/€) | 50 | 50 | 50 | Nil |
| Business Money (£/€) | 200 | 200 | 200 | Nil |
| Replacement Staff (£/€) | 1,500 | 1,500 | 1,500 | 100 or 50 |
| Additional Personal Accident (£/€) | Normal Benefit x 2 | Normal Benefit x 2 | Normal Benefit x 2 | Nil |
| Golf | ||||
| Owned and Hired Golf Equipment (£/€) | 1,000 | 1,000 | 1,000 | 100 or 50 |
| Single Item Limit (£/€) | 500 | 500 | 500 | 100 or 50 |
| Hiring Replacement Golf Equipment (£/€) | 20 per day up to 400 | 20 per day up to 400 | 20 per day up to 400 | Nil |
| Green Fees (£/€) | 300 | 300 | 300 | Nil |
| One way Trip | ||||
| One way Trip - extend cover by up to 31 days (Limitations apply) (£/€) | Option available | Option available | Option available | Nil |
| Terrorism Disruption | ||||
| Terrorism Disruption (£/€) (Extended Cancellation or Curtailment) | 1,000 | 5,000 | 10,000 | 100 or 50 |
| Owned and Hired Sports and Cycle Equipment | ||||
| Owned and Hired Sports and Cycle Equipment (£/€) | 1,500 | 1,500 | 1,500 | 100 or 50 |
| Single Item Limit (£/€) | 500 | 500 | 500 | 100 or 50 |
| Hiring Replacement Equipment (£/€) | 20 per day up to 400 | 20 per day up to 400 | 20 per day up to 400 | Nil |
| Gadget Cover (up to 4 gadgets) | ||||
| Accidental & Malicious Damage (£/€) | Not Available | 1,000 | 2,000 | 100 or 50 |
| Theft or Loss (£/€) | Not Available | 1,000 | 2,000 | 100 or 50 |
| Liquid Damage (£/€) | Not Available | 1,000 | 2,000 | 100 or 50 |
| Unauthorised Usage (£/€) | Not Available | 500 (Limit 100 per occurrence) | 500 (Limit 100 per occurrence) | 100 or 50 |
| Single Item Limit all sections (£/€) | Not Available | 500 | 500 | 100 or 50 |
| Wedding Cover | ||||
| Attire (£/€) | 1,000 | 1,000 | 1,000 | 100 or 50 |
| Single Item Limit (attire) (£/€) | 250 | 250 | 250 | 100 or 50 |
| Rings (£/€) | 250 | 250 | 250 | 100 or 50 |
| Gifts (£/€) | 1,000 | 1,000 | 1,000 | 100 or 50 |
| Single Item Limit (gifts) (£/€) | 250 | 250 | 250 | 100 or 50 |
| Gift Cash Limit (gifts) (£/€) | 150 | 150 | 150 | Nil |
| Photographs and Video (£/€) | 750 | 750 | 750 | 100 or 50 |
| Covid-19/SARs-CoV-2 Cover Extension | ||||
| Cancellation / Curtailment (£/€) | 1,500 | 2,500 | 5,000 | 100 or 50 |
| Accommodation (£/€) | 50 per 24 hours up to 700 | 100 per 24 hours up to 1,400 | 150 per 24 hours up to 2,100 | Nil |
| Transport costs (£/€) | 300 Europe 500 worldwide | 600 Europe 1,000 worldwide | 900 Europe 1,500 worldwide | Nil |
| Emergency Medical, Repatriation and Other Expenses (cover as Sections 2.1 -2.4) (£/€) | 1,000,000 | 3,500,000 | 10,000,000 | 100 or 50 |
| Car Hire Excess Waiver Cover | ||||
|
Excess Reimbursement (£/€) Europe Worldwide Towing Costs (following an accident)(£/€) |
5,000 50,000 500 |
5,000 50,000 500 |
5,000 50,000 500 |
Nil |
| Key Cover and Lock-Out (£/€) | 500 (per year) | 500 (per year) | 500 (per year) | Nil |
|
Curtailment of Rental Per day (£/€) Per Car Hire Agreement |
30 300 |
30 300 |
30 300 |
Nil |
| Drop-off Charges (£/€) | 300 | 300 | 300 | Nil |
| Mis-Fueling (£/€) | 500 (per year) | 500 (per year) | 500 (per year) | Nil |