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Travel insurance

While everyone takes different approaches to travelling, we all want our holidays to be a happy experience. So, whether you visit Tanzania by train, Cannes by car or Paris by plane, it makes good sense to protect each and every journey.

We can cover both your single or annual trips. With 3 levels of cover, you can decide how we can take care of you when you're travelling.

We make it easy to buy travel insurance online

Travel with peace of mind. With 3 levels of cover, you can decide how we can take care of you when you're travelling.

                  2. For existing customers who purchased their policy prior to 11/09/2017

 Already a customer?

Our travel insurance includes all of these benefits as standard:

We have 3 levels of cover for you to choose from: basic, standard and extra

Click here to view a comparison of cover

Policy limits and excess are per person per claim except for personal liability where they apply per policy.

No excess applies to personal accident.


Compare key benefits (please see policy benefits for full details) Basic Standard Extra
Excess £100 £75 £50
Emergency medical assistance and expenses £10,000,000 £10,000,000 £10,000,000
Hospital benefit
£500 (£10 per 24 hours) £1,000 (£20 per 24 hours) £1,500 (£30 per 24 hours)
Dental Treatment
£250 £500 £750
Personal accident
     
Death - age 16 and over
£5,000 £15,000
£30,000
Death - age 15 and under
£1,000 £1,000 £1,000
Loss of limbs/sight - age 69 or under
£10,000 £25,000 £50,000
Loss of limbs/sight - age 70 or over
£5,000 £12,500 £25,000
Permanent total disablement - age 69 and under
£10,000
£25,000
£50,000
Permanent total disablement - age 70 and over
£5,000 £12,500 £25,000
Loss, theft or damage to baggage
£1,000 £1,500 £2,500
Baggage - single article limit
£150 £250 £350
Baggage - valuables limit
£200 £300 £500
Cancellation and cutting short a trip
£1,000 £5,000 £7,500
Excursions
£50 £100 £250
Travel Delay
x £300 (£20 for the first 12 hours and £10 for each subsequent 12 hours) £500 (£40 for the first 12 hours and £20 for each subsequent 12 hours)
Missed departure
£100
£500
£1,000
Missed connection
x £250 £500
Loss, theft or damage of passport, driving license or travel documents £250 £250 £500
Loss, theft or damage of personal money (including pre-paid currency cards and traveller's cheques) £200 £500 £500
Cash limit - age 16 and over
£100 £300 £300
Cash limit - age 15 and under
£50 £100 £100
Personal liability
 £1,000,000  £2,000,000 £2,000,000
Legal expenses and advice £25,000   £25,000  £50,000
Baggage delay
x  £100 £300 
Hijack
x  £500 (£25 per 24 hours) £1,000 (£50 per 24 hours)
Change in health
£1,000   £5,000  £7,500
Scheduled airline failure
x  £3,000  £4,000
Catastrophe, natural diseases and airspace closure      
Additional accommodation and/ or transportation costs x x  £1,000
Cancellation and cutting short a trip
x x £7,500
Missed departure/ missed connection x
 x  £1,000 / £500
End supplier failure
x  x  £3,500
Excursions x  x  £250
Winter sports x Optional  Optional  
 Golf x Optional   Optional  
 Cruise x Optional   Optional  
 Business x  Optional  Optional  


Your choice of optional extras:

We offer you the flexibility to add these optional extras to your travel insurance.
Our cover varies depending on whether you have chosen our basic, standard or extra cover.

Winter Sports Cover
 
 

Winter sports cover

Our standard winter sports provides cover for up to 22 days and our extra winter sports up to 31 days. We provide cover for loss, theft and damage of equipment, piste closure, avalanche delay and loss of ski pass. We will cover activities listed below:

◊ - If off piste must be accompanied by qualified guide in areas considered safe by resort management
* - Accompanied by qualified guide
- No racing or mushing. No personal liability cover
# - Guided tours only. No personal liability cover

  • Cross country skiing◊
  • Dry slop skiing
  • Glacier walking*
  • Husky sledge driving/passenger ⱡ
  • Indoor skiing/snowboarding
  • Skiing and mono-skiing◊
  • Sledging
  • Sledging (as a passenger) pulled by a horse, dog, reindeer
  • Sleigh rides (as a passenger)
  • Snowboarding◊
  • Snow mobiling#
  • Snow shoe walking
  • Tobogganing
Business Travel Cover

Business travel cover

We will cover your business equipment for loss, theft and damage and for hire of essential replacements. Includes cover for business money and travel costs for a replacement employee. Please see policy wording for full benefits, limits and exclusions.

Golf Cover

Golf cover

We will cover your golf equipment for loss, theft and damage and for hire of replacements. Includes payment for green fees and buggies if you are unable to part in your pre-booked activity. Please see policy wording for full benefits, limits and exclusions.

Cruise Cover

Cruise cover

We will provide cover for additional baggage, prepaid excursions/activities and cabin confinement. Please see policy wording for full benefits, limits and exclusions.

Purchase optional extras

If you would like to purchase an optional extra or add an extra to your existing policy, please call us on 0800 953 0567.

If you will be taking part in winter sports or participating in a cruise, or going abroad on business, there will be no cover under any section of this policy unless you purchase the relevant optional cover for your trip.

Contact us

We're here to help, so if you have any questions please get in touch.