Summary of cover / Policy wording

Download policy wording PDF (82K) for policies issued on or after 01/09/2008 .

Download policy wording PDF (82K) for policies issued before 01/09/2008 .

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

Download Policy Wording Policy Summary (policies issued up to 01/09/2008)

Economy cover table

Policy Section	Limit of Cover per person (Economy)	Excess
1. 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
2.Emergency Dental Treatment We will pay for the cost of providing temporary treatment for he immediate relief of pain	£350	£100
3.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
4. Hospital Daily Benefit We will pay you a daily benefit per complete day of in-patient treatment up to a maximum amount.	Nil	Nil
5. Cancellation, Curtailment & Trip Interruption 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.	Nil	Nil
6. Travel Delay We will pay a benefit if the departure of your first outward or final inward international transport is delayed for more than 12 hours beyond the intended departure time	Nil	Nil
7. 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	£100
8. 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 Limit Valuables Limit	£200 £100 £100	£100 £100 £100
9. Luggage Delay We will pay a benefit to purchase essential items if your luggage is delayed on your outward journey	Nil	Nil
10. 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 £100 £50 Nil	£100 £100 £100 Nil
11. 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	£100
12.Personal Accident Covers you for loss of life, limb or sight that occurs during the trip after an accident. Permanent Total Disablement Loss of Limb & Loss of Sight Death Benefit (aged 18-65) Death Benefit (aged under 18) All Benefits (aged 66 and over)	£20,000 £20,000 £5,000 £1,000 £1,000	Nil Nil Nil Nil Nil
13. 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	£100
14. Withdrawal Of Services Covers you if you are without water, gas or electricity for more than 60 hours	Nil	Nil
15. Catastrophe If you accommodation can not be lived in because of fire, flood, earthquake or storm we will provide you with similar accommodation	Nil	Nil
16. Pet Care If you return journey is delayed we will pay for extra kennel or cattery fee	£20 per day up to £200	Nil
17. Hijack Covers you if your aircraft or sea vessel is hijacked for more than 24 hours	Nil	Nil
Optional Winter Sports cover – Your policy can be extended to cover winter sports on payment of an additional premium
18. Cancellation or Curtailment In addition to Section 5 cover includes financial loss from unused ski passes, ski-school fees and unused ski-pack if you are certified unable to ski	£500	Nil
19. 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. Ski Equipment Single Article Limit (owned) Single Article Limit (Hired) Ski Pass	Nil Nil Nil Nil	Nil Nil Nil Nil
20. Piste Closure We will pay a benefit if lack of snow prevents you from skiing for more than 24 hours.	Nil	Nil
21. 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
22. Ski Hire In addition to Section 19 cover includes the hire of replacement skis and ski equipment	Nil	Nil
Optional Golf cover – Your policy can be extended to cover your golf equipment on payment of an additional premium
23. Golf Equipment In addition to section 10 we will pay if the Golf Equipment owned or hired by you is lost or damaged Golf Equipment Single Club or Item of Golf Equipment Limit	Nil Nil	Nil Nil
24. Golf Equipment Hire In addition to Section 23 cover includes the hire of replacement golf equipment	Nil	Nil
25. Hole In One Cover We will pay for customary bar expenses for achieving a hole in one	Nil	Nil
Optional Business cover – Your policy can be extended to cover your business equipment on payment of an additional premium
26. Business Equipment In addition to section 10 we will pay if the Business Equipment owned by you is lost or damaged Business Equipment Single Article Limit Business Samples Computer Equipment Limit Business Equipment delay	Nil Nil Nil Nil Nil	Nil Nil Nil Nil Nil
27. Business Equipment Hire In addition to Section 26 cover includes the hire of necessary business equipment	Nil	Nil
28. Business Money Covers the loss of business money	Nil	Nil
29. Emergency Courier In addition to Section 26 we will pay for emergency courier expenses	Nil	Nil
30. Replacement Employee Cover for a business colleague to replace you following your repatriation	Nil	Nil

Standard cover table

Policy Section	Limit of Cover per person(Standard)	Excess
1. 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	£100
2.Emergency Dental Treatment We will pay for the cost of providing temporary treatment for he immediate relief of pain	£350	£100
3.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
4. 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 day of inpatient treatment: up to £100	Nil
5. Cancellation, Curtailment & Trip Interruption 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.	£2,000	£100 (£20 loss of deposit)
6. Travel Delay We will pay a benefit if the departure of your first outward or final inward international transport is delayed for more than 12 hours beyond the intended departure time	£20 for the first full 12 hour delay then £10 for each subsequent full 12 hours: maximum £300	Nil
7. 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.	£800	£75
8. 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 Limit Valuables Limit	£1,500 £150 £150	£75 £75 £75
9. 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 £100	Nil
10. 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	£350 £150 £50 £200	£75 £75 £75 Nil
11. 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	£75
12.Personal Accident Covers you for loss of life, limb or sight that occurs during the trip after an accident. Permanent Total Disablement Loss of Limb & Loss of Sight Death Benefit (aged 18-65) Death Benefit (aged under 18) All Benefits (aged 66 and over)	£50,000 £50,000 £5,000 £1,000 £1,000	Nil Nil Nil Nil Nil
13. 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	£75
14. Withdrawal Of Services Covers you if you are without water, gas or electricity for more than 60 hours	£500	Nil
15. Catastrophe If you accommodation can not be lived in because of fire, flood, earthquake or storm we will provide you with similar accommodation	£1,000	Nil
16. Pet Care If you return journey is delayed we will pay for extra kennel or cattery fee	£20 per day up to £300	Nil
17. Hijack Covers you if your aircraft or sea vessel is hijacked for more than 24 hours	£50 per day up to £350	Nil
Optional Winter Sports cover – Your policy can be extended to cover winter sports on payment of an additional premium
18. Cancellation or Curtailment In addition to Section 5 cover includes financial loss from unused ski passes, ski-school fees and unused ski-pack if you are certified unable to ski	£2,000	Nil
19. 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. Ski Equipment Single Article Limit (owned) Single Article Limit (Hired) Ski Pass	£350 £350 £200 £75 per day up to £300	£75 £75 £75 £75
20. Piste Closure We will pay a benefit if lack of snow prevents you from skiing for more than 24 hours.	£20 per day up to £200	£75
21. 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
22. Ski Hire In addition to Section 19 cover includes the hire of replacement skis and ski equipment	£20 per day up to £200	Nil
Optional Golf cover – Your policy can be extended to cover your golf equipment on payment of an additional premium
23. Golf Equipment In addition to section 10 we will pay if the Golf Equipment owned or hired by you is lost or damaged Golf Equipment Single Club or Item of Golf Equipment Limit	£1,000 £500	£75 £75
24. Golf Equipment Hire In addition to Section 23 cover includes the hire of replacement golf equipment	£20 per day up to £100	Nil
25. Hole In One Cover We will pay for customary bar expenses for achieving a hole in one	£100	£75
Optional Business cover – Your policy can be extended to cover your business equipment on payment of an additional premium
26. Business Equipment In addition to section 10 we will pay if the Business Equipment owned by you is lost or damaged Business Equipment Single Article Limit Business Samples Computer Equipment Limit Business Equipment delay	£1,000 £500 £500 £1,000 £150	£75 £75 £75 £75 Nil
27. Business Equipment Hire In addition to Section 26 cover includes the hire of necessary business equipment	£30 per day up to £300	Nil
28. Business Money Covers the loss of business money	£1,000	£75
29. Emergency Courier In addition to Section 26 we will pay for emergency courier expenses	£200	£75
30. Replacement Employee Cover for a business colleague to replace you following your repatriation	£1,000	£75

Premier cover table

Policy Section	Limit of Cover per person(Premier)	Excess
1. 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	£50
2.Emergency Dental Treatment We will pay for the cost of providing temporary treatment for he immediate relief of pain	£350	£50
3.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
4. 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 day of inpatient treatment: up to £300	Nil
5. Cancellation, Curtailment & Trip Interruption 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	£50 (£20 loss of deposit)
6. Travel Delay We will pay a benefit if the departure of your first outward or final inward international transport is delayed for more than 12 hours beyond the intended departure time	£20 for the first full 12 hour delay then £10 for each subsequent full 12 hours: maximum £300	Nil
7. 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	£50
8. 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 Limit Valuables Limit	£2,000 £200 £200	£50 £50 £50
9. 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
10. 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	£500 £200 £50 £200	£50 £50 £50 Nil
11. 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	£50
12.Personal Accident Covers you for loss of life, limb or sight that occurs during the trip after an accident. Permanent Total Disablement Loss of Limb & Loss of Sight Death Benefit (aged 18-65) Death Benefit (aged under 18) All Benefits (aged 66 and over)	£20,000 £20,000 £5,000 £1,000 £1,000	Nil Nil Nil Nil Nil
13. 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.	£50,000	£50
14. Withdrawal Of Services Covers you if you are without water, gas or electricity for more than 60 hours	£750	Nil
15. Catastrophe If you accommodation can not be lived in because of fire, flood, earthquake or storm we will provide you with similar accommodation	£1,500	Nil
16. Pet Care If you return journey is delayed we will pay for extra kennel or cattery fee	£20 per day up to £300	Nil
17. Hijack Covers you if your aircraft or sea vessel is hijacked for more than 24 hours	£50 per day up to £350	Nil
Optional Winter Sports cover – Your policy can be extended to cover winter sports on payment of an additional premium
18. Cancellation or Curtailment In addition to Section 5 cover includes financial loss from unused ski passes, ski-school fees and unused ski-pack if you are certified unable to ski	£5,000	Nil
19. 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. Ski Equipment Single Article Limit (owned) Single Article Limit (Hired) Ski Pass	£500 £500 £250 £75 per day up to £450	£50 £50 £50 £50
20. Piste Closure We will pay a benefit if lack of snow prevents you from skiing for more than 24 hours.	£20 per day up to £300	£50
21. 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
22. Ski Hire In addition to Section 19 cover includes the hire of replacement skis and ski equipment	£20 per day up to £300	Nil
Optional Golf cover – Your policy can be extended to cover your golf equipment on payment of an additional premium
23. Golf Equipment In addition to section 10 we will pay if the Golf Equipment owned or hired by you is lost or damaged Golf Equipment Single Club or Item of Golf Equipment Limit	£1,500 £500	£50 £50
24. Golf Equipment Hire In addition to Section 23 cover includes the hire of replacement golf equipment	£25 per day up to £150	Nil
25. Hole In One Cover We will pay for customary bar expenses for achieving a hole in one	£100	£50
Optional Business cover – Your policy can be extended to cover your business equipment on payment of an additional premium
26. Business Equipment In addition to section 10 we will pay if the Business Equipment owned by you is lost or damaged Business Equipment Single Article Limit Business Samples Computer Equipment Limit Business Equipment delay	£1,000 £500 £500 £1,000 £200	£50 £50 £50 £50 Nil
27. Business Equipment Hire In addition to Section 26 cover includes the hire of necessary business equipment	£50 per day up to £500	Nil
28. Business Money Covers the loss of business money	£1,000	£500
29. Emergency Courier In addition to Section 26 we will pay for emergency courier expenses	£200	£50
30. Replacement Employee Cover for a business colleague to replace you following your repatriation	Nil	Nil

Backpackers table

Policy Section	Limit of Cover per person(Backpackers)	Excess
1. 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	£100
2.Emergency Dental Treatment We will pay for the cost of providing temporary treatment for he immediate relief of pain	£350	£100
3.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
4. 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 day of inpatient treatment: up to £100	Nil
5. Cancellation, Curtailment & Trip Interruption 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.	£2,000	£100 (£20 loss of deposit)
6. Travel Delay We will pay a benefit if the departure of your first outward or final inward international transport is delayed for more than 12 hours beyond the intended departure time	£20 for the first full 12 hour delay then £10 for each subsequent full 12 hours: maximum £300	Nil
7. 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.	£800	£100
8. 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 Limit • Valuables Limit	£1,500 £150 £150	£100 £100 £100
9. 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 £100	Nil
10. 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	£350 £150 £50 £200	£100 £100 £100 Nil
11. 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	£100
12.Personal Accident Covers you for loss of life, limb or sight that occurs during the trip after an accident. Permanent Total Disablement Loss of Limb & Loss of Sight Death Benefit (aged 18-65) Death Benefit (aged under 18) All Benefits (aged 66 and over)	£10,000 £10,000 £5,000 £1,000 £1,000	Nil Nil Nil Nil Nil
13. 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	£100
14. Withdrawal Of Services Covers you if you are without water, gas or electricity for more than 60 hours	£500	Nil
15. Catastrophe If you accommodation can not be lived in because of fire, flood, earthquake or storm we will provide you with similar accommodation	£1,000	Nil
16. Pet Care If you return journey is delayed we will pay for extra kennel or cattery fee	£20 per day up to £200	Nil
17. Hijack Covers you if your aircraft or sea vessel is hijacked for more than 24 hours	£50 per day up to £350	Nil
Optional Winter Sports cover – Your policy can be extended to cover winter sports on payment of an additional premium
18. Cancellation or Curtailment In addition to Section 5 cover includes financial loss from unused ski passes, ski-school fees and unused ski-pack if you are certified unable to ski	£2,000	Nil
19. 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. Ski Equipment Single Article Limit (owned) Single Article Limit (Hired) Ski Pass	Nil Nil Nil Nil	Nil Nil Nil Nil
20. Piste Closure We will pay a benefit if lack of snow prevents you from skiing for more than 24 hours.	Nil	Nil
21. 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
22. Ski Hire In addition to Section 19 cover includes the hire of replacement skis and ski equipment	Nil	Nil
Optional Golf cover – Your policy can be extended to cover your golf equipment on payment of an additional premium
23. Golf Equipment In addition to section 10 we will pay if the Golf Equipment owned or hired by you is lost or damaged Golf Equipment Single Club or Item of Golf Equipment Limit	Nil Nil	Nil Nil
24. Golf Equipment Hire In addition to Section 23 cover includes the hire of replacement golf equipment	Nil	Nil
25. Hole In One Cover We will pay for customary bar expenses for achieving a hole in one	Nil	Nil
Optional Business cover – Your policy can be extended to cover your business equipment on payment of an additional premium
26. Business Equipment In addition to section 10 we will pay if the Business Equipment owned by you is lost or damaged Business Equipment Single Article Limit Business Samples Computer Equipment Limit Business Equipment delay	Nil Nil Nil Nil Nil	Nil Nil Nil Nil Nil
27. Business Equipment Hire In addition to Section 26 cover includes the hire of necessary business equipment	Nil	Nil
28. Business Money Covers the loss of business money	Nil	Nil
29. Emergency Courier In addition to Section 26 we will pay for emergency courier expenses	Nil	Nil
30. Replacement Employee Cover for a business colleague to replace you following your repatriation	Nil	Nil