With our flexible travel insurance you can tailor your policy to meet your exact needs.
Choose from 3 levels of cover - Silver, Gold or Platinum to suit your holiday and your budget.
| | Silver | Gold | Platinum |
Standard Excess  | £100 | £50 | £35 |
The standard excess is the amount you will generally have to pay towards the cost of a claim.
Some sections of the policy have no excess payments - your policy schedule will show the excess payable on each section of your policy.
| Cancellation/Curtailment | £1,000 | £3,000 | £7,500 |
| Medical Expenses | £10,000,000 | £10,000,000 | Unlimited |
| Hospital Benefit | £0 | £500 | £1,500 |
| Death | £5,000 | £10,000 | £25,000 |
| Loss of Limb/Sight | £25,000 | £25,000 | £25,000 |
| Permanent Total Disablement | £25,000 | £25,000 | £25,000 |
| Travel Delay | £100 | £1,000 | £1,000 |
| Abandonment | £1,000 | £3,000 | £7,500 |
| Missed Departure | £250 | £500 | £1,000 |
| Personal Possessions | £1,000 | £1,500 | £2,500 |
| Delayed Baggage | £100 | £100 | £500 |
| Personal Money | £150 | £500 | £750 |
| Loss of Passport | £200 | £200 | £250 |
| Personal Liability | £2,000,000 | £2,000,000 | £2,000,000 |
| Legal Expenses | £15,000 | £15,000 | £50,000 |
| Catastrophe | £250 | £1,000 | £1,000 |
| Hijack | £500 | £500 | £500 |
| Petcare | £0 | £200 | £500 |
| Scheduled Airline Failure | £1,500 | £1,500 | £1,500 |
Provides cover for your unrecoverable holiday costs in the event that you are forced to cancel or curtail your trip due to various reasons such as illness or redundancy, up to the amount specified.
Terms and conditions apply - see the policy wording.
Provides cover for your emergency medical bills, emergency dental treatment and repatriation back to the UK, up to the amount specified.
Terms and conditions apply - see the policy wording.
Provides a benefit for each 24 hour period you spend in hospital as an in-patient, up to the amount specified.
Terms and conditions apply - see the policy wording.
Provides a benefit up to the specified amount following accidental death.
Terms and conditions apply - see the policy wording.
Provides a benefit up to the specified amount following accidental permanent loss of limb or sight.
Terms and conditions apply - see the policy wording.
Provides a benefit up to the specified amount following accidental permanent total disablement.
Terms and conditions apply - see the policy wording.
Provides an inconvenience benefit, up to the amount specified, if the start of your booked outward, or return international, journey is delayed for more than 12 hours after checking in, due to various reasons such as industrial action or adverse weather.
Terms and conditions apply - see the policy wording.
Provides cover in the event that you choose to abandon your holiday, after experiencing a delay of over 24 hours after checking in, up to the amount specified.
Terms and conditions apply - see the policy wording.
Provides cover for additional travel and/or accommodation expenses in the event that you miss the departure of your outward or final return journey home, due to accident, electrical or mechanical breakdown of the vehicle you are travelling in, up to the amount specified.
Terms and conditions apply - see the policy wording.
Provides cover for the accidental loss, damage or theft of your baggage and personal effects, up to the amount specified.
Terms and conditions apply - see the policy wording.
Provides a benefit to cover the cost of essential replacement clothing and toiletries if your baggage is delayed on your outward journey, up to the amount specified.
Terms and conditions apply - see the policy wording.
Provides cover for the accidental loss or theft of money whilst on your person, in a safe or locked securely in accommodation under your control, up to the amount specified.
Terms and conditions apply - see the policy wording.
Provides cover for reasonable costs of replacing your passport, travel documents or tickets following accidental loss or theft, up to the amount specified.
Terms and conditions apply - see the policy wording.
Provides cover up to the amount specified, if you are legally liable for accidentally injuring someone, or damaging or losing their property (this does not include third party motor liability).
Terms and conditions apply - see the policy wording.
Provides cover for your legal expenses up to the amount specified, if you have to claim compensation or damages from another person.
Terms and conditions apply - see the policy wording.
Provides cover up to the amount specified to continue your trip if you are forced to move from your pre booked accommodation as a result of a natural catastrophe such as hurricane or earthquake.
Terms and conditions apply - see the policy wording.
Provides a daily benefit in the event that the aircraft or ship you are travelling in is hijacked, up to the amount specified.
Terms and conditions apply - see the policy wording.
Provides a daily benefit, up to the amount specified, to cover kennel or cattery fees if you are delayed for over 12 hours on your return journey.
Terms and conditions apply - see the policy wording.
Scheduled airline failure up to £1,500
If the insolvency occurs before departure:
Cover is provided for irrecoverable sums lost as a result of the insolvency or financial failure of a travel or accommodation supplier, with whom you had made a booking and paid in advance, for elements of your holiday which don't form part of a bonded holiday package.
If the insolvency occurs after departure:
Cover is provided for additional pro rata costs incurred in replacing that part of the travel arrangements to a similar standard to that originally booked or if curtailment of the holiday is unavoidable - the cost of return transportation to the United Kingdom to a similar standard to that originally booked.
Scheduled airline failure provides cover for the insolvency or financial failure of:
- Scheduled airlines
- Hotels
- Car ferries
- Villa's abroad & cottages in the UK
- Railway journeys
- Coach journeys
- Cruises not bonded
- Car hire
- Caravan sites / campsites / mobile homes
- Camper rental
- Safaris
- Excursions
- Theme parks
Extends your policy to cover accidental loss, theft or damage to business equipment and money.
- Business equipment up to £2000
- Business equipment hire up to £750
- Business money up to £500
Benefits are per person. Please see the policy wording for full details.
| Business Cover | Optional | Optional | Included |
Extends your policy to provide cover for golf equipment and non-refundable green fees.
- Golf equipment up to £1000
- Golf equipment hire up to £500
- Non-refundable golfing fees up to £500
- Hole in one cover £100
Benefits are per person. Please see the policy wording for full details.
| Golf Cover | Optional | Optional | Included |
Wedding cover up to £1000
If you are getting married abroad you can extend your policy to include loss, theft or damage to wedding attire, rings, gifts and photographs/video.
Benefits are per person. Please see the policy wording for full details.
| Wedding Cover | Optional | Optional | Included |
Extends your policy to provide cover for you when skiing, snowboarding, cross country skiing, curling, and ice skating and provides the following additional cover:
- Winter sports equipment up to £500
- Hired winter sports equipment up to £250
- Ski pack up to £400
- Piste closure up to £500
- Avalanche closure up to £500
Benefits are per person. Please see the policy wording for full details.
| Winter Sports Cover | Optional | Optional | Optional |
This option includes our standard winter sports cover with the addition of an increased level of cover for your own winter sports equipment.
- Winter sports equipment up to £2000
(Single Article Limit £1000)
- Hired winter sports equipment up to £250
- Ski pack up to £400
- Piste closure up to £500
- Avalanche closure up to £500
Benefits are per person. Please see the policy wording for full details.
NB. You should purchase either Winter Sports Cover or Winter Sports with Increased Equipment Cover, you do not need both.
| Winter Sports with Increased Equipment Cover | Optional | Optional | Optional |
If your holiday involves a cruise you must purchase this extension to be fully covered.
| Cruise Holiday Cover | Optional | Optional | Optional |
| Natural Catastrophe | Optional | Optional | Optional |
Extend your travel insurance cover to include legal costs up to £25,000
Designed to cover the pursuit of compensation against your Tour Operator, Holiday Company, Travel Agent, Car Hire Company, Airline, Ferry, Train, Cruise Liner or Coach Company, Hotelier or proterty owner if they fail to fulfil their contract with you.
| Travel Dispute | Optional | Optional | Optional |
Scheduled airline failure up to £1,500
If the insolvency occurs before departure:
Cover is provided for irrecoverable sums lost as a result of the insolvency or financial failure of a travel or accommodation supplier, with whom you had made a booking and paid in advance, for elements of your holiday which don't form part of a bonded holiday package.
If the insolvency occurs after departure:
Cover is provided for additional pro rata costs incurred in replacing that part of the travel arrangements to a similar standard to that originally booked or if curtailment of the holiday is unavoidable - the cost of return transportation to the United Kingdom to a similar standard to that originally booked.
Scheduled airline failure provides cover for the insolvency or financial failure of:
- Scheduled airlines
- Hotels
- Car ferries
- Villa's abroad & cottages in the UK
- Railway journeys
- Coach journeys
- Cruises not bonded
- Car hire
- Caravan sites / campsites / mobile homes
- Camper rental
- Safaris
- Excursions
- Theme parks
