COVID-19 Cover is on all of our policies. Find out more here.

  • 100+ Sporting Activities Covered
  • 24/7 Emergency Assistance Team
  • Cover Available Up To 18 months
  • Up To £10,000 Cancellation Cover

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Get A Quote Policy Wording & IPIDsGet A Quote Policy Wording & IPIDsGet A Quote Policy Wording & IPIDsGet A Quote Policy Wording & IPIDsGet A Quote Policy Wording & IPIDs
Benefit per personCover (Excess) Cover (Excess) Cover (Excess) Cover (Excess) Cover (Excess)
COVID CoverCover for emergency medical expenses due to developing COVID abroad, for you or anyone named on the policyCover for emergency medical expenses due to developing COVID abroad, for you or anyone named on the policyCover for emergency medical expenses due to developing COVID abroad, for you or anyone named on the policyCover for emergency medical expenses due to developing COVID abroad, for you or anyone named on the policyIncluded - please click here for more information
Cancellation and curtailment (Loss of deposit)£750 (£125) (£25)£1,000 (£95) (£25)£5,000 (£65) (£25)£10,000 (Nil)£5,000 (Nil)
Emergency medical expenses abroad£2,500,000 (£125)£5,000,000 (£95)£7,500,000 (£65)£10,000,000 (Nil)£10,000,000 (Nil)
Burial or cremation£2,500 (£125)£2,500 (£95)£2,500 (£65)£2,500 (Nil)£5,000 (Nil)
Hospital benefit£250 (£25 per 24hrs) (Nil)£500 (£25 per 24hrs) (Nil)£1,000 (£25 per 24hrs) (Nil)£1,500 (£25 per 24hrs) (Nil)£1,000 (£50 per 24 hours) (Nil)
Personal accident
Accidental death £2,500 (Nil)£5,000 (Nil)£20,000 (Nil)£50,000 (Nil)£50,000 (Nil)
Loss of limb or sight£2,500 (Nil)£10,000 (Nil)£20,000 (Nil)£100,000 (Nil)£50,000 (Nil)
Permanent total disablement£2,500 (Nil)£10,000 (Nil)£20,000 (Nil)£100,000 (Nil)£100,000 (Nil)
BaggageNo Cover (N/A)£750 (£95)£2,000 (£65)£3,000 (Nil)£4,000 (Nil)
Single article, pair or setNo Cover (N/A)£100 (£95)£300 (£65)£500 (Nil)£750 (Nil)
Valuables in totalNo Cover (N/A)£100 (£95)£300 (£65)£500 (Nil)£750 (Nil)
Business goods or equipment No Cover (N/A) No Cover (N/A)£400 (£65)£1,000 (Nil)No Cover (n/a)
Emergency replacement of baggageNo Cover (N/A)£100 (Nil)£100£250 (Nil)£300 (Nil)
Personal money, passport and documentsNo Cover (N/A)£250 (£95)£500 (£65)£750 (Nil)£300 (Nil)
CashNo Cover (N/A)£150 (£95)£200 (£65)£350 (Nil)£750 (Nil)
Personal liability£500,000 (£125)£1,000,000 (£95)£2,000,000 (£65)£3,000,000 (Nil)£2,000,000 (Nil)
Delayed departureNo Cover (N/A) No Cover (N/A)£300 (£20 first 12hrs, £10 each other 12 hrs) (Nil)£500 (£50 first 12 hrs £30 each other 12 hrs)£750 (£75 for each 12hour period) (Nil)
AbandonmentNo Cover (N/A) No Cover (N/A)£5,000 (£65)£10,000 (Nil)£5,000 (Nil)
Missed departureNo Cover (N/A)£500 (Nil) £1,000 Worldwide (Nil)£500 (Nil) £1,000 Worldwide (Nil)£750 Europe (Nil) £1,500 Worldwide (Nil)£1,500 (Nil)
UK departure assistance and Missed UK connectionNo Cover (N/A)£500 (Nil)£500 (Nil)£500 (Nil)£1,500 (Nil)
Legal expenses and assistance£2,500 (Nil)£10,000 (Nil)£25,000 (Nil)£50,000 (Nil)£50,000 (Nil)
Extended kennel and/or cattery feesNo Cover (N/A)£250 (Nil)£250 (Nil)£750 (Nil)No Cover (n/a)
Hijack and kidnapNo Cover (N/A)£5,000 (£50 per 24hrs) (Nil)£5,000 (£50 per 24hrs) (Nil)£20,000 (£100 per 24hrs) (Nil)No Cover (n/a)
Scheduled airline failureNo Cover (N/A)£1,500 (£95)£2,000 (£65)£2,500 (Nil)£3,000 (Nil)
Extensions
Gadget Cover (Optional)
Up to 5 gadgets (cover per policy)£2,000 (£125)£2,000 (£95)£2,000 (£65)£2,000 (Nil)£2,000 (Nil)
Travel disruption (optional)
Cancellation and curtailment £750 (£125)£1,000 (£95)£5,000 (£65)£10,000 (Nil)£10,000 (Nil)
Substitute accommodation£3,000 (£125)£3,000 (£95)£3,000 (£65)£3,000 (Nil)£3,000 (Nil)
Enforced stay£1,500 (Nil)£1,500 (Nil)£1,500 (Nil)£1,500 (Nil)£1,500 (Nil)
Missed connections£1,000 (Nil)£1,000 (Nil)£1,000 (Nil)£1,000 (Nil)£1,000 (Nil)
Golf Plus (Optional)
Green fees £250 (Nil)£250 (Nil)£250 (Nil)£250 (Nil)£250 (Nil)
Golf equipment hire£200 (£35 per 24hrs) (Nil)£200 (£35 per 24hrs) (Nil)£200 (£35 per 24hrs) (Nil)£200 (£35 per 24hrs) (Nil)£200 (£35 per 24hrs) (Nil)
Golf equipment£1,500 (£125)£1,500 (£95)£1,500 (£65)£1,500 (Nil)£1,500 (Nil)
Hole-in-one£75 (Nil)£75 (Nil)£75 (Nil)£75 (Nil)£75 (Nil)
Business plus (Optional)
Business goods or equipment£1,000 (£125)£1,000 (£95)£1,000 (£65)£1,000 (Nil)£1,000 (Nil)
Business samples£500 (£125)£500 (£95)£500 (£65)£500 (Nil)£500 (Nil)
Single article limit£750 (£125)£750 (£95)£750 (£65)£750 (Nil)£750 (Nil)
Business equipment delay£500 (£100 per 24hrs) (Nil)£500 (£100 per 24hrs) (Nil)£500 (£100 per 24hrs) (Nil)£500 (£100 per 24hrs) (Nil)£500 (£100 per 24hrs) (Nil)
Business equipment hire£750 (£150 per 24hrs) (Nil)£750 (£150 per 24hrs) (Nil)£750 (£150 per 24hrs) (Nil)£750 (£150 per 24hrs) (Nil)£750 (£150 per 24hrs) (Nil)
Emergency courier of essential business equipment£300 (£125)£300 (£95)£300 (£65)£300 (Nil)£300 (Nil)
Business money£1,000 (£125)£1,000 (£95)£1,000 (£65)£1,000 (Nil)£1,000 (Nil)
Cash limit£500 (£125)£500 (£95)£500 (£65)£500 (Nil)£500 (Nil)
Replacement staff£1,500 (£125)£1,500 (£95)£1,500 (£65)£1,500 (Nil)£1,500 (Nil)
Wedding / Civil Partnership Plus (Optional)
Wedding rings (per person) £250 (£125)£250 (£95)£250 (£65)£250 (Nil)£250 (Nil)
Wedding attire (per person)£1,000 (£125)£1,000 (£95)£1,000 (£65)£1,000 (Nil)£1,000 (Nil)
Wedding gifts£1,000 (£125)£1,000 (£95)£1,000 (£65)£1,000 (Nil)£1,000 (Nil)
Gift cash limit£150 (£125)£150 (£95)£150 (£65)£150 (Nil)£150 (Nil)
Single article limit£300 (£125)£300 (£95)£300 (£65)£300 (Nil)£300 (Nil)
Wedding photographs or video recording£750 (£125)£750 (£95)£750 (£65)£750 (Nil)£750 (Nil)
Cruise Plus (Optional)
Missed port£300 (£50 per port) (Nil)£300 (£50 per port) (Nil)£300 (£50 per port) (Nil)£300 (£50 per port) (Nil)£300 (£50 per port) (Nil)
Stateroom / Cabin confinement£300 (£50 per 24hrs) (Nil)£300 (£50 per 24hrs) (Nil)£300 (£50 per 24hrs) (Nil)£300 (£50 per 24hrs) (Nil)£300 (£50 per 24hrs) (Nil)
Unused pre-booked excursions£300 (Nil)£300 (Nil)£300 (Nil)£300 (Nil)£300 (Nil)
Itinerary change£300 (£50 per change) (Nil)£300 (£50 per change) (Nil)£300 (£50 per change) (Nil)£300 (£50 per change) (Nil)£300 (£50 per change) (Nil)
Cruise connection£1,500 (Nil)£1,500 (Nil)£1,500 (Nil)£1,500 (Nil)£1,500 (Nil)
Winter Sports (Optional)
Ski equipment £500 (£125)£500 (£95)£500 (£65)£1,200 (Nil)£1,200 (Nil)
Hired ski equipment£250 (£125)£250 (£95)£250 (£65)£600 (Nil)£600 (Nil)
Ski equipment hire£300 (£15 per 24hrs) (Nil)£300 (£15 per 24hrs) (Nil)£300 (£15 per 24hrs) (Nil)£500 (£25 per 24hrs) (Nil)£500 (£25 per 24hrs) (Nil)
Ski pack £500 (Nil)£500 (Nil)£500 (Nil)£500 (Nil)£500 (Nil)
Lost lift pass£200 (Nil)£200 (Nil)£200 (Nil)£200 (Nil)£200 (Nil)
Piste Closure£200 (£20 per 24hrs) (Nil)£200 (£20 per 24hrs) (Nil)£200 (£20 per 24hrs) (Nil)£500 (£75 per 24hrs) (Nil)£500 (£75 per 24hrs) (Nil)
Avalanche or landslide£150 (£30 per 24hrs) (Nil)£150 (£30 per 24hrs) (Nil)£150 (£30 per 24hrs) (Nil)£500 (£75 per 24hrs) (Nil)£500 (£75 per 24hrs) (Nil)
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Policy Wordings & IPIDsPolicy Wordings & IPIDsPolicy Wordings & IPIDsPolicy Wordings & IPIDsPolicy Wordings & IPIDs

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CoverSilverGoldGold Plus (Gap Year Only)
Get A Quote Policy Wording & IPIDsGet A Quote Policy Wording & IPIDsGet A Quote Policy Wording & IPIDs
Benefit per personCover (Excess) Cover (Excess) Cover (Excess)
Cancellation and curtailment (Loss of deposit)£1,000 (£95) (£25)£5,000 (£65) (£25)£5,000 (£65) (£25)
Emergency medical expenses abroad£5,000,000 (£95)£7,500,000 (£65)£7,500,000 (£65)
Emergency dental treatment£250 (£95)£250 (£65)£250 (65)
Burial or cremation£2,500 (£95)£2,500 (£65)£2,500 (£65)
Hospital benefit£500 (£50 per 24hrs)£1,000 (£50 per 24hrs)£1,000 (£50 per 24hrs)
Personal accident
Accidental death £5,000 (Nil)£20,000 (Nil)£20,000 (Nil)
Loss of limb or sight£10,000 (Nil)£20,000 (Nil)£20,000 (Nil)
Permanent total disablement£10,000 (Nil)£20,000 (Nil)£20,000 (Nil)
Baggage£750 (£95)£2,000 (£65)£2,000 (£65)
Single article, pair or set£100 (£95)£300 (£65)£300 (£65)
Valuables in total£100 (£95)£300 (£65)£300 (£65)
Business goods or equipment No Cover (N/A)£400 (£65)£400 (£65)
Emergency replacement of baggage£100 (Nil)£100£100
Personal money, passport and documents£250 (£95)£500 (£65)£500 (£65)
Cash£150 (£95)£200 (£65)£200 (£65)
Personal liability£1,000,000 (£95)£2,000,000 (£65)£2,000,000 (£65)
Delayed departure No Cover (N/A)£300 (£20 first 12hrs, £10 each other 12 hrs) (Nil)£300 (£20 first 12hrs, £10 each other 12 hrs) (Nil)
Abandonment No Cover (N/A)£5,000 (£65)£5,000 (£65)
Missed departure£500 Europe (Nil) £1,000 Worldwide (Nil)£500 Europe (Nil) £1,000 Worldwide (Nil)£500 Europe (Nil) £1,000 Worldwide (Nil)
UK departure assistance and Missed UK connection£500 (Nil)£500 (Nil)£500 (Nil)
Legal expenses and assistance£10,000 (Nil)£25,000 (Nil)£25,000 (Nil)
Extended kennel and/or cattery fees£250 (Nil)£250 (Nil)£250 (Nil)
Hijack and kidnap£5,000 (£50 per 24hrs) (Nil)£5,000 (£50 per 24hrs) (Nil)£5,000 (£50 per 24hrs) (Nil)
Incarceration abroad (Gap Year Only)£500 (Nil)£500 (Nil)£500 (Nil)
Scheduled airline failure£1,500 (£95)£2,000 (£65)£2,000 (£65)
Course feesNo Cover (N/A)(optional)£2,000 (£65)
Computer equipmentNo Cover (N/A)(optional)£1,000 (£65)
Extensions
Gadget Cover (Optional)
Up to 5 gadgets (cover per policy)£2,000 (£95)£2,000 (£65)£2,000 (£65)
Travel disruption (optional)
Cancellation and curtailment £1,000 (£95)£5,000 (£65)£5,000 (£65)
Substitute accommodation£3,000 (£95)£3,000 (£65)£3,000 (£65)
Enforced stay£1,500 (Nil)£1,500 (Nil)£1,500 (Nil)
Missed connections£1,000 (Nil)£1,000 (Nil)£1,000 (Nil)
Golf Plus (Optional)
Green fees £250 (Nil)£250 (Nil)£250 (Nil)
Golf equipment hire£200 (£35 per 24hrs) (Nil)£200 (£35 per 24hrs) (Nil)£200 (£35 per 24hrs) (Nil)
Golf equipment£1,500 (£95)£1,500 (£95)£1,500 (£95)
Hole-in-one£75 (Nil)£75 (Nil)£75 (Nil)
Business plus (Optional)
Business goods or equipment£1,000 (£95)£1,000 (£65)£1,000 (£65)
Business samples£500 (£95)£500 (£65)£500 (£65)
Single article limit£750 (£95)£750 (£65)£750 (£65)
Business equipment delay£500 (£100 per 24hrs) (Nil)£500 (£100 per 24hrs) (Nil)£500 (£100 per 24hrs) (Nil)
Business equipment hire£750 (£150 per 24hrs) (Nil)£750 (£150 per 24hrs) (Nil)£750 (£150 per 24hrs) (Nil)
Emergency courier of essential business equipment£300 (£95)£300 (£65)£300 (£65)
Business money£1,000 (£95)£1,000 (£65)£1,000 (£65)
Cash limit£500 (£95)£500 (£65)£500 (£65)
Replacement staff£1,500 (£95)£1,500 (£65)£1,500 (£65)
Wedding / Civil Partnership Plus (Optional)
Wedding rings (per person) £250 (£95)£250 (£65)£250 (£65)
Wedding attire (per person)£1,000 (£95)£1,000 (£65)£1,000 (£65)
Wedding gifts£1,000 (£95)£1,000 (£65)£1,000 (£65)
Gift cash limit£150 (£95)£150 (£65)£150 (£65)
Single article limit£300 (£95)£300 (£65)£300 (£65)
Wedding photographs or video recording£750 (£95)£750 (£65)£750 (£65)
Cruise Plus (Optional)
Missed port£300 (£50 per port) (Nil)£300 (£50 per port) (Nil)£300 (£50 per port) (Nil)
Stateroom / Cabin confinement£300 (£50 per 24hrs) (Nil)£300 (£50 per 24hrs) (Nil)£300 (£50 per 24hrs) (Nil)
Unused pre-booked excursions£300 (Nil)£300 (Nil)£300 (Nil)
Itinerary change£300 (£50 per change) (Nil)£300 (£50 per change) (Nil)£300 (£50 per change) (Nil)
Cruise connection£1,500 (Nil)£1,500 (Nil)£1,500 (Nil)
Winter Sports (Optional)
Ski equipment £500 (£95)£500 (£65)£500 (£65)
Hired ski equipment£250 (£95)£250 (£65)£250 (£65)
Ski equipment hire£300 (£15 per 24hrs) (Nil)£300 (£15 per 24hrs) (Nil)£300 (£15 per 24hrs) (Nil)
Ski pack£500 (Nil)£500 (Nil)£500 (Nil)
Lost lift pass£200 (Nil)£200 (Nil)£200 (Nil)
Piste Closure£200 (£20 per 24hrs) (Nil)£200 (£20 per 24hrs) (Nil)£200 (£20 per 24hrs) (Nil)
Avalanche or landslide£150 (£30 per 24hrs) (Nil)£150 (£30 per 24hrs) (Nil)£150 (£30 per 24hrs) (Nil)
Study Cover (Gap Year only) (Optional)
Course feesNo Cover (N/A)£2,000 (£65)Included as Standard
Computer equipmentNo Cover (N/A)£1,000 (£65)Included as Standard
SilverGoldGold Plus (Gap Year Only)
Policy Wording & IPIDsPolicy Wording & IPIDsPolicy Wording & IPIDs

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24/7 Emergency Helpline

100+Activities Covered FREE

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£10m Medical Cover Per Person

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£10,000 Cancellation Cover Per Person