PEACE OF MIND PROTECTION
This is a summary of benefits only.
Click here for full policy terms & conditions including excesses.
Please note:
PART A may be taken in isolation.
PART B can only be taken with Part A.
PART C can only be taken with Part A & B.
- Part A
- Medical & Emergency Expenses**
- Emergency dental treatment (for relief of pain only)
- Hospital inconvenience benefit
- Search & Rescue costs
- Personal Accident***
- Personal Liability
- Activity Equipment
- Single items, pair or set limit
- Delayed Activity Equipment (over 12 hours)
- Activity Equipment Hire
- Legal Expenses
- Curtailment ****
- Limit
(up to) – per person - £10 Million£10M
- £300
- £400(£20 per day)
- £50,000(£10,000 in home area)
- £5,000
- £2 Million£2M
- £1,000
- £600****
- £200
- £300
- £25,000
- £2,000
- Excess*
per person - £100
- Nil
- £500
- Nil
- Nil(£200 property damage)
- £75
- Nil
- Nil
- Nil
- £100
- Part B
can only be taken with Part A - Possessions, Personal Effects, Money & Documents
- Personal Possessions
- Single item, pair or set limit
- Valuables limit
- Delayed Possessions (over 12 hours)
- Loss of Personal Money
- Loss of Travel Documents (incl. Passport)
- Cancellation, Loss of Deposit or Curtailment
- Unexpected Events
- Travel Disruption (costs to reach destination)
- Travel Delay
- or
- Abandonment (after 12 hours delay)
- Limit
(up to) – per person - £2,000
- £300
- £300
- £200
- £300
- £1,000
- £5,000
- £1,000
- £120(£30 each 12 hrs)
- £5,000 ****
- Excess*
per person - £75
- Nil
- £75
- £75
- £100(£25 loss of deposit)
- Nil
- Nil
- £100
- Part C
- Optional Independent Traveller
- Extended Cancellation or Curtailment
- Extended Travel Delay
- Extended Travel Disruption (costs to reach destination)
- Accommodation
- Limit
(up to) – per person - £5,000
- £120(£30 each 12 hrs)
- £1,000
- £5,000
- Excess*
per person - £100
- Nil
- Nil
- £100
Independent Traveller provides extended cover for cancellation/curtailment, delayed departure, and travel disruption with the addition of accommodation expenses including if your trip is disrupted by an event such as a natural disaster e.g. volcanic eruption, or if the Travel Advice Unit of The Foreign, Commonwealth & Development Office (FCDO) or the World Health Organization (WHO) or similar body has issued a directive advising against all, or against all but essential travel. Please read the Insurance Policy for full details.
| * | The Event Excess on Parts A, B & C is the first amount of each claim, per section, for each separate incident, payable for each insured person. |
| ** | Cover under Medical & Emergency Expenses, Part A, is not available in your home area†. |
| *** | Cover under Personal Accident, Part A, is reduced to £2,500 if you are aged under 16. |
| † | Home area – your normal place of residence in the United Kingdom (England, Scotland, Wales, Northern Ireland, Channel Islands and the Isle of Man). |
| †† | Following an accident only whilst you are participating in an insured activity. |