Travel insurance, direct annual holiday insurance | Zurich Insurance

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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.

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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
Emergency medical expenses £2,000,000 £5,000,000 £10,000,000
Hospital cash/confinement benefit £500 (£10 per day) £1,000 (£20 per day) £15,00 (£30 per day)
Cancellation and cutting short a trip £1,000 £5,000 £7,500
Loss or damage of baggage £1,000 £1,500 £2,500
Baggage single article limit £150 £250 £350
Baggage valuables limit £200 £300 £500
Baggage delay x £100 £300
Loss of passport, driving licence or travel documents £250 £250 £500
Loss or theft of personal money - including money cards, traveller's cheques, tickets or vouchers
(inner limit for cash - age under 15 / age 16 & over)
£200
(£50 / £100)
£500
(£100 / £300)
£500
(£100 / £300)
Travel delay x £300 £500
Missed departure £100 £500 £1,000
Missed connection x £250 £500
Catastrophe, natural disaster and airspace closure
Accommodation & expenses
Cancellation or cutting short a trip
Missed departure / missed connection
x
x
x

x
x
x

£1,000
£7,500
£1,000 / £500

Excess £100 £100 £50
Excess loss of deposit (cancellation and cutting short a trip) £25 £25 £25
Maximum traveller age 74 74 74
Maximum trip duration - Single trip (days) 90 90 90
Maximum trip duration - Annual multi-trip (days) 45 45 62
Maximum total days outside UK - Annual multi-trip 183 183 183
Legal expenses and advice £25,000 £25,000 £50,000
Personal liability £1,000,000 £2,000,000 £2,000,000
Hijack x £500 £1,000
Personal accident
Permanent total disablement - age under 69 / age 70 & over
Death - age under 15 / age 16 & over 
£10,000 / £5,000
£1,000 / £5,000
£25,000 / £12,500
£1,000 / £15,000
£50,000 / £ 25,000
£1,000 / £30,000
Winter sports cover x Optional Optional
Maximum winter sports participant age n/a 64 64
Business travel cover x Optional Optional
Cruise cover x Optional Optional
Golf cover 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.

Contact us

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