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Summary of cover

Single Trip, Annual Multi Trip and Discoverer policies all cover:

Personal Belongings:

Up to £1,500 per person (£1,000 on Discoverer, single item limit £250. Total valuables limit £250).

Personal Money: Up to £500 per person, cash limit £250 (£100 for children on Single Trip & Discoverer).

Emergency Medical & Travel Expenses Abroad:

Up to £10 million per person.
Cancellation: Up to £5,000 per person (£3,000 for Discoverer).
Pre-paid excursion limit £150.
Curtailment: Up to £5,000 per person (£3,000 for Discoverer).
Pre-paid excursion limit £150.
Personal Accident: Up to £25,000 per person for permanent disability. Up to £10,000 per person for death or total & permanent loss of sight or limb.
Personal Liability: Up to £2 million per policy.
Loss of Passport: Up to £250 per person.
Legal Assistance: Legal expenses up to £50,000 per person.
Disaster Cover: Up to £1,000 per person if you cannot stay in your accommodation because of a disaster.
Airline and End Supplier Failure cover:

Up to £5,000 per person against the liquidation of pre-booked airlines and other end suppliers, such as car hire firms and accommodation suppliers.


Single Trip and Annual Multi Trip policies also cover:

Delayed personal belongings: Up to £100 for any essential personal belongings.
Abandoned journey: Up to £5,000 where journey abandoned after 12 hours delay.
Delayed departure: Up to £200 per person (£20 for the first 12 hours, £10 for each subsequent 12 hours. Additional accommodation and transportation up to £600.
Winter sports cover: Up to 22 days cover (if selected).

Winter sports equipment:

Up to £500 per person for ski equipment, up to £300 per person for replacement hire (£25 per day).
Ski pass and fees: Up to £250 per person (£20 per day).
Piste closure: Up to £200 per person (£20 per day).


An excess of £50 for Annual, £75 for Single Trip and £75 for Discoverer, per person, will be charged on certain claims for personal possessions and money, medical and emergency expenses, loss of passport, cancellation, curtailment and winter sports.

Health status:

As medical cover is such an important part of travel Insurance, you will be asked a few simple questions about the health of all persons covered by the policy. In a few cases we may need to ask you some medical questions.

Full details are available in the policy document.

Need more information?

Call our customer hotline, or see understanding travel insurance.

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