Travel Area: |
Geographical Areas.
UK
UK England, Scotland, Wales, Northern Ireland, Isle of Man and the Channel Islands
Europe
Åland Islands, Albania, Algeria, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Corsica, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Faro Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Guernsey, Holy See (Vatican City State), Hungary, Iceland, Israel, Italy, Jersey, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Mediterranean Islands, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, San Marino, Sardinia, Serbia, Slovakia, Slovenia, Spain, Svalbard and Jan Mayen, Sweden, Switzerland, Turkey, Tunisia, The Azores, The Canary Islands, The Channel Islands, Ukraine and territories formally known as USSR, west of the Ural Mountains
Australia and New Zealand
Australia and New Zealand. (including stopovers in any other zone not exceeding 72 hours duration each way)
Worldwide excluding the United States of America, Canada and the Caribbean.
Worldwide excluding United States of America, Canada, and The Caribbean.
Worldwide including the United States of America, Canada and the Caribbean.
Worldwide.
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Optional Extras |
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Winter Sports
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Activity Pack 1
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Abseiling (see also Climbing and Mountaineering) - Special condition (a) applies
Acrobatics
Aerobics
Angling (see Fishing for the relevant activity pack)
Athletics
Aerobics
Backpacking (see Hiking for the relevant activity pack)
Badminton
Ballet
Banana boat rides - Special condition (a) applies
Baseball
Basketball
Black water rafting (cave tubing) (grades 1-3) - Special condition (a) applies
Boating (inland and coastal waters) (see also Speed boating and Sailing for the relevant activity pack) - Special condition (a) or (b) applies. No white water cover. No Personal Liability Cover
Bouldering (see Rock Climbing for the relevant activity pack)
Bowling (lawn, ten-pin, nine-pin, candlepin, duckpin and five-pin bowling, bowls, pétanque & boules)
Bungee/bungy jumping (max 2 jumps per trip) - Special condition (a) applies
Bushcraft (see Hiking for the relevant activity pack)
Bushwalking (see Hiking for the relevant activity pack)
Camel riding (day tour) - Special condition (a) applies and No Personal Liability cover
Canoeing (grades 1-3) (see Kayaking for the relevant activity pack)
Capoeira dancing (see Dance for the relevant activity pack)
Caving (sightseeing/tourist attraction) - Recreational visit only
Cheerleading
Clay pigeon shooting - Special condition (a) or (b) applies. No Personal Liability Cover
Climbing (see Rock Climbing or Ice Climbing for the relevant activity pack)
Cricket
Croquet
Curling
Dance (ballet, ballroom, capoeira, salsa, interpretive dance)
Darts
Diving (see Free Diving, Cliff diving, High diving or Scuba diving for the relevant activity pack)
Dodge ball
Dragon boating (inland or coastal waters only)
Dune buggy - Special condition (a) or (b) applies. No Personal Accident Cover. No Personal Liability Cover
Elephant riding - Special condition (a) applies. No Personal Liability Cover
Fell running/Walking (see Hiking for the relevant activity pack)
Fishing (Ice) - Special condition (a) or (b) applies
Fishing (inland or coastal waters) - Sports / Leisure fishing only - no commercial or rock fishing
Fitness training - Excludes cover for professional athletes
Floorball
Flying (as a fare paying passenger in a licensed scheduled or chartered aircraft or helicopter) - Special condition (a) applies
Football (Soccer) including 5 a side
Frisbee
Go karting - Special condition (a) applies. No Personal Liability Cover
Golf
Gym training (Aerobics, Spinning, Zumba, Body pump, Weight training, Cross training, Crossfit) (See also Boxing and Martial arts for the relevant activity pack)
Gymnastics (also see Acrobatics for the relevant activity pack)
Handball
Hiking up to 1,500 metres (scrambling, hillwalking) - see also Mountaineering. No cover where ropes, picks or other specialist climbing equipment is required
Hockey
Horse riding (leisure/social/non- competitive riding) - No Racing, jumping or competitions
Hot air ballooning (ballooning) - Special condition (a) applies. No Personal Liability Cover
Hydro-foiling (see Water skiing for the relevant activity pack)
Ice skating (indoor)
Ice skating (outdoor) on a commercially managed rink - Special condition (a) applies
In-line skating
Jet boating (inland/coastal waters only) - Special condition (a) or (b) applies. No Personal Liability Cover
Jet skiing (inland/coastal waters, white water grades 1-2 only) - Special condition (a) or (b) applies. No Personal Liability Cover
Kayaking/Canoeing (inland/coastal waters, white water grades 1-3 only)
Kite boarding (on land or water) - No Personal Liability Cover
Kite flying
Korfball
Lacrosse
Martial arts training (non-contact)
Motor racing experience (passenger only) - Special condition (a) applies. No Personal Accident Cover
Motorbiking pillion passenger (on road only) (see Motorbiking for the relevant activity pack)
Mountain biking (on road) (see Cycling for the relevant activity pack)
Netball
Obstacle course/Assault course/Trim trail (see Outdoor Endurance for the relevant activity pack)
Orienteering
Outdoor endurance courses up to 3 miles
Outward Bound - Special condition (a) applies
Paint balling/Airsoft - Special condition (a) applies. No Personal Liability Cover
Parasailing/Parascending (over water) - Special condition (a) or (b) applies. No Personal Liability Cover
Racquetball
Rambling. See hiking if above 1,500 metres.
Rifle range/Sports shooting - Special condition (a) or (b) applies. No Personal Liability Cover
River boarding/Hydro speeding (grades 1-3) See also Canoeing - Special condition (a) applies
Rock climbing (indoor) - Special condition (a) applies. No Soloing. No Personal Accident Cover.
Roller skating - No cover for stunting
Rollerblading - No cover for stunting
Rounders
Rowing/Sculling (inland/coastal waters) - No white water
Running / Jogging (half marathon distance or less)
Safari tours - Special condition (a) applies. No cover for handling or work with dangerous animals including big cats, crocodiles, alligators, hippopotamuses, snakes, elephants or bears.
Sail boarding (see Wind Surfing for the relevant activity pack)
Sailing (inland/coastal waters) - Special condition (a) or (b) applies. No Personal Liability Cover
Scuba diving (to 30 metres) - Special condition (e) applies. See Special Exclusion (ii)
Scuba diving (unqualified/learn to dive course/discover dive with qualified instructor) - Special condition (a) applies. See Special Exclusion (ii)
Sculling (see Rowing for the relevant activity pack)
Sea kayaking / Sea canoeing (see Kayaking for the relevant activity pack)
Segway tours - Condition (a) applies, a helmet must be worn. No Personal Accident Cover, No Personal Liability Cover
Shark cage diving (see Scuba diving for the relevant activity pack)
Skateboarding (ramp, half pipe, skate park, street)
Sleigh rides (horse drawn)
Snooker
Snorkelling
Soccer
Softball
Speed boating (inland/coastal waters only) - Special condition (a) or (b) applies. No white water cover. No Personal Liability Cover
Spelunking (see Caving for the relevant activity pack)
Squash/Racquet ball
Stand up paddle surfing/paddle boarding
Stilt walking
Stoolball
Surf boat rowing
Surfing
Swimming (pool; enclosed, inland or coastal waters only)
Swimming with dolphins /whales/ whale sharks (inland or coastal waters only) - Special condition (a) applies
Table tennis
Tandem skydiving (see Skydiving for the relevant activity pack)
Tchoukball
Ten pin bowling (see Bowling for the relevant activity pack)
Tennis
Theme parks / fairgrounds
Tough mudder (see Outdoor Endurance for the relevant activity pack)
Trail bike riding (see Motorbiking for the relevant activity pack)
Tramping (see Hiking for the relevant activity pack)
Trampolining
Trekking (see Hiking for the relevant activity pack)
Tubing on rivers (grades 1-2) (see also White-Water Rafting for the relevant activity pack) - Special condition (a) applies. No Personal Accident Cover
Ultimate Frisbee
Volleyball
Wake skating (see Water Skiing for the relevant activity pack)
Wakeboarding (see Water Skiing for the relevant activity pack)
Walking (see Hiking, Trekking for the relevant activity pack)
War games (online gaming)
War games/Military simulation (see Paint balling/Airsoft OR Rifle range/Sports shooting for the relevant activity pack)
Water polo
Weight training (see also Gym training) - Excludes Powerlifting
White water kayaking/canoeing (see Kayaking/Canoeing for the relevant activity pack)
White water rafting (grades 1-3) - Special condition (a) applies
Windsurfing (inland or coastal waters only) - No Personal Liability Cover
Yachting (see Sailing for the relevant activity pack)
Yoga (class, alone/home practice)
Zip line - Special condition (a) applies
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This gives up to £500 protection for ski equipment and up to £150 for unreceipted items with a £50 excess. £10 per 12hrs for delayed ski equipment up to a maximum of £300 and starting with a minimum delay of 12hrs. £30 per 24hrs for loss of ski pack up to a maximum of £300. £25 per 24hrs for piste / avalanche closure up to a maximum of £250. |
Cruise
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Activity Pack 2
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Aerial Safari - Special condition (a) applies. No Personal Accident Cover
Angling (see Fishing for the relevant activity pack)
Aquathon
Backpacking (see Hiking for the relevant activity pack)
Bicycle polo
Black water rafting (cave tubing) (grades 4-5) - Special condition (a) applies. No Personal Accident Cover
Boating (outside coastal waters) see also Speed boating and Sailing - Special condition (a) or (b) and special condition (c) applies. No Personal Accident Cover, No Personal Liability Cover
Bouldering (see Rock Climbing for the relevant activity pack)
Boxing (gym or outdoor training) no competition or bouts
Bungee/Bungy jumping (max 3 jumps or more) - Special condition (a) applies
Bushcraft (see Hiking for the relevant activity pack)
Bushwalking (see Hiking for the relevant activity pack)
Camel trekking (overnight/main mode of transport) - No Personal Liability Cover
Canoeing (grades 1-3) (see Kayaking for the relevant activity pack)
Canyon swing - Special condition (a) applies
Capoeira dancing (see Dance for the relevant activity pack)
Climbing (see Rock Climbing or Ice Climbing for the relevant activity pack)
Cycling (incidental to the trip)
Dirt boarding - No Personal Liability Cover
Diving (see Free Diving, Cliff diving, High diving or Scuba diving for the relevant activity pack)
Dogsledding (on recognised trails) - Special condition (a) applies. Excludes remote areas, racing, time trials and endurance events
Duathlon
Elephant trekking (overnight/main mode of transport) - Special condition (a) applies. No Personal Liability Cover
Fell running/Walking (see Hiking for the relevant activity pack)
Fencing - No Personal Liability Cover
Fishing (outside coastal waters, deep sea fishing) - Condition (a) and (c) applies. Sports / leisure fishing only - no commercial
Fly by wire - Special condition (a) applies
Glacier walking (ice walking) - Special condition (a) applies
High diving up to 10 metres (excluding cliff diving)
Hiking up to 3,000 metres (Scrambling, Hillwalking) - see also Mountaineering - No cover where ropes, picks or other specialist climbing equipment is required
Hunting (excluding Big Game) - Special condition (a) or (b) applies. No Cover for Big Game Hunting. No Personal Liability Cover
Hydro-foiling (see Water skiing for the relevant activity pack)
Kite buggy - No Personal Liability Cover
Kite surfing - No Personal Liability Cover
Kite wing (land, water) - No Personal Liability Cover
Land surfing - No Personal Liability Cover
Martial arts - No competition or bouts - Condition (a) applies, non-competitive only. No Personal Accident Cover, No Personal Liability Cover.
Moped riding/scooter biking - Special condition (b) applies and a helmet must be worn. No Touring or where a motorbike is the main mode of transport, No Personal Accident Cover and No Personal Liability Cover
Motor biking (on road under 125cc) - Special condition (b) and a helmet must be worn. No Touring or where a motorbike is the main mode of transport there is No Personal Accident Cover and No Personal Liability Cover
Motorbiking pillion passenger (on road only) (see Motorbiking for the relevant activity pack)
Mountain biking (on road) (see Cycling for the relevant activity pack)
Obstacle course/Assault course/Trim trail (see Outdoor Endurance for the relevant activity pack)
Outrigger canoeing (inland or coastal waters only)
Parachuting (one jump only) - Special condition (a) or (b) applies. No Personal Accident Cover, No Personal Liability Cover
Parasailing/parascending (over land) - Special condition (a) or (b) applies. No Personal Liability Cover
Quad biking - Condition (a) or (b) applies, a helmet must be worn. No Personal Accident Cover, No Personal Liability Cover
Rock climbing (bouldering) - No Soloing. No Personal Accident Cover
Rock climbing (outdoor/traditional/sport climbing/bolted/aid climbing/free climbing) see also mountaineering - No Soloing. No Personal Accident Cover
Roller hockey
Running (up to marathon distance)
Sail boarding (see Wind Surfing for the relevant activity pack)
Sailing (outside coastal waters) - Special condition (a) or (b) and special condition (c) applies. No Personal Liability Cover
Sculling (see Rowing for the relevant activity pack)
Sea kayaking / Sea canoeing (see Kayaking for the relevant activity pack)
Shark cage diving (see Scuba diving for the relevant activity pack)
Spearfishing - No Personal Liability Cover
Spelunking (see Caving for the relevant activity pack)
Tandem skydiving (see Skydiving for the relevant activity pack)
Ten pin bowling (see Bowling for the relevant activity pack)
Tough mudder (see Outdoor Endurance for the relevant activity pack)
Trail bike riding (see Motorbiking for the relevant activity pack)
Tramping (see Hiking for the relevant activity pack)
Trekking (see Hiking for the relevant activity pack)
Triathlon up to middle distance
Triathlon up to sprint distance
Wake skating (see Water Skiing for the relevant activity pack)
Wakeboarding (see Water Skiing for the relevant activity pack)
Walking (see Hiking, Trekking for the relevant activity pack)
War games/Military simulation (see Paint balling/Airsoft OR Rifle range/Sports shooting for the relevant activity pack)
Water skiing/Wakeboarding/Wake skating - Special condition (a) or (b) applies. No jumping, No Personal Liability Cover
White water kayaking/canoeing (see Kayaking/Canoeing for the relevant activity pack)
White water rafting (grades 4-5) - Special condition (a) applies. No Personal Accident Cover
Xterra/Cross Triathlon
Yachting (see Sailing for the relevant activity pack)
Zorbing - Special condition (a) applies. No Personal Accident Cover, No Personal Liability Cover
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This policy pays out up to £2,000 for missed port departure with a £50 excess, a skipped port benefit of up to £50 per port up to a total maximum of £300, cabin confinement benefit of up to £25 per 24hrs up to a maximum of £1,000 and missed excursions up to a maximum of £500. |
Golf
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Activity Pack 3
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Angling (see Fishing for the relevant activity pack)
Backpacking (see Hiking for the relevant activity pack)
Bouldering (see Rock Climbing for the relevant activity pack)
Bushcraft (see Hiking for the relevant activity pack)
Bushwalking (see Hiking for the relevant activity pack)
Canoeing (grades 1-3) (see Kayaking for the relevant activity pack)
Canyoning - No Personal Accident Cover, No Personal Liability Cover
Capoeira dancing (see Dance for the relevant activity pack)
Climbing (see Rock Climbing or Ice Climbing for the relevant activity pack)
Diving (see Free Diving, Cliff diving, High diving or Scuba diving for the relevant activity pack)
Fell running/Walking (see Hiking for the relevant activity pack)
Hiking up to 4,500 metres (Scrambling) on recognised routes - see also Mountaineering - No cover where ropes, picks or other specialist climbing equipment is required
Horse riding (equestrian, dressage, show jumping, eventing) - No Personal Accident Cover
Hydro-foiling (see Water skiing for the relevant activity pack)
Motor biking (on road over 125cc) - Special condition (b) and a helmet must be worn. No Touring or where a motorbike is the main mode of transport there is No Personal Accident Cover and No Personal Liability Cover
Motorbiking pillion passenger (on road only) (see Motorbiking for the relevant activity pack)
Mountain biking (on road) (see Cycling for the relevant activity pack)
Obstacle course/Assault course/Trim trail (see Outdoor Endurance for the relevant activity pack)
Outdoor endurance courses up to 8 miles
Sail boarding (see Wind Surfing for the relevant activity pack)
Sandboarding/sand skiing
Scuba diving (to 50 metres) - Special condition (e) applies. See Special Exclusion (ii). No Personal Accident Cover
Sculling (see Rowing for the relevant activity pack)
Sea kayaking / Sea canoeing (see Kayaking for the relevant activity pack)
Shark cage diving (see Scuba diving for the relevant activity pack)
Skiing (Cross country/Nordic skiing on marked trails) - Special condition (d) applies. See Special Exclusion (i)
Skiing (Snowblading) - Special condition (d) applies. See Special Exclusion (i)
Skiing / Snowboarding - Special condition (d) applies. See Special Exclusion (i)
Skiing / Snowboarding (dry slope) - Special condition (d) applies. See Special Exclusion (i).
Skydiving/Tandem skydiving (one jump only) - No Personal Accident or Personal Liability Cover
Sledding/Tobogganing/Snow Sleds/Snow Sleighs (on snow) - No Personal Accident Cover, No Personal Liability Cover
Snow rafting - Special condition (a) applies. No Personal Accident Cover, No Personal Liability Cover
Spelunking (see Caving for the relevant activity pack)
Tandem skydiving (see Skydiving for the relevant activity pack)
Ten pin bowling (see Bowling for the relevant activity pack)
Tough mudder (see Outdoor Endurance for the relevant activity pack)
Trail bike riding (see Motorbiking for the relevant activity pack)
Tramping (see Hiking for the relevant activity pack)
Trapeze/High Wire - Special condition (a) applies. No Personal Accident Cover
Trekking (see Hiking for the relevant activity pack)
Triathlon/Ironman up to long distance
Wake skating (see Water Skiing for the relevant activity pack)
Wakeboarding (see Water Skiing for the relevant activity pack)
Walking (see Hiking, Trekking for the relevant activity pack)
War games/Military simulation (see Paint balling/Airsoft OR Rifle range/Sports shooting for the relevant activity pack)
Water skiing (barefoot) - Special condition (a) or (b) applies. No Personal Liability Cover
White water kayaking/canoeing (see Kayaking/Canoeing for the relevant activity pack)
Yachting (see Sailing for the relevant activity pack)
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If your golf equipment is lost, stolen, or damaged or delayed for at least 12 hours on your outward journey. Plus, cover for the value of the unused portion of your green fees if you have an accident, are ill or your documents are lost or stolen which prevents you from playing golf. £4.99 per person single or annual multi trip. |
Travel Insurance Excess Waiver
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Activity Pack 4
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Angling (see Fishing for the relevant activity pack)
Backpacking (see Hiking for the relevant activity pack)
Bobsled/Bobsleigh - Special condition (a) applies. No Personal Accident Cover, No Personal Liability Cover
Bouldering (see Rock Climbing for the relevant activity pack)
Bushcraft (see Hiking for the relevant activity pack)
Bushwalking (see Hiking for the relevant activity pack)
Canoeing (grades 1-3) (see Kayaking for the relevant activity pack)
Capoeira dancing (see Dance for the relevant activity pack)
Climbing (see Rock Climbing or Ice Climbing for the relevant activity pack)
Diving (see Free Diving, Cliff diving, High diving or Scuba diving for the relevant activity pack)
Fell running/Walking (see Hiking for the relevant activity pack)
Flying (as a passenger in a glider or ultralight) - No Stunt flying/aerobatics or commercial flying. No Personal Accident.
Flying (as a pilot or passenger of a private light aircraft) - Special condition (a) or (b) applies - No Stunt flying/aerobatics or commercial flying. No Personal Accident or Personal Liability Cover
Flying (Gliding) - Special condition (a) or (b) applies. No Personal Accident Cover, No Personal Liability Cover
Hiking up to 6,000 metres (scrambling) on recognised routes - see also mountaineering - No cover where ropes, picks or other specialist climbing equipment is required
Hydro-foiling (see Water skiing for the relevant activity pack)
Ice hockey - No Personal Accident Cover, No Personal Liability Cover
Kite wing (snow) - No Personal Accident Cover, No Personal Liability Cover
Motorbiking pillion passenger (on road only) (see Motorbiking for the relevant activity pack)
Mountain biking (on road) (see Cycling for the relevant activity pack)
Mountain biking general (off road/cross country) - Excludes Mountain biking racing
Obstacle course/Assault course/Trim trail (see Outdoor Endurance for the relevant activity pack)
Outdoor endurance courses up to 13 miles
Sail boarding (see Wind Surfing for the relevant activity pack)
Sculling (see Rowing for the relevant activity pack)
Sea kayaking / Sea canoeing (see Kayaking for the relevant activity pack)
Shark cage diving (see Scuba diving for the relevant activity pack)
Skiing / snowboarding (backcountry/outside of resort boundary/alpine ski touring) - Special condition (d) applies. See Special Exclusion (i). No Personal Accident Cover
Skiing / snowboarding (by helicopter/snow cat) - Special condition (d) applies. See Special Exclusion (i). No Personal Accident Cover
Skiing / snowboarding (terrain park within resort) - See Special Exclusion (i). No Personal Accident Cover
Snow biking (on piste or off piste within resort boundaries) - See Special Exclusion (i). No Personal Accident Cover
Snow kiting - Special condition (a) applies. No Personal Accident Cover, No Personal Liability Cover
Snowmobiling - Excludes remote areas, racing, time trials and endurance events. No Personal Accident Cover, No Personal Liability Cover
Spelunking (see Caving for the relevant activity pack)
Tandem skydiving (see Skydiving for the relevant activity pack)
Ten pin bowling (see Bowling for the relevant activity pack)
Tough mudder (see Outdoor Endurance for the relevant activity pack)
Trail bike riding (see Motorbiking for the relevant activity pack)
Tramping (see Hiking for the relevant activity pack)
Trekking (see Hiking for the relevant activity pack)
Wake skating (see Water Skiing for the relevant activity pack)
Wakeboarding (see Water Skiing for the relevant activity pack)
Walking (see Hiking, Trekking for the relevant activity pack)
War games/Military simulation (see Paint balling/Airsoft OR Rifle range/Sports shooting for the relevant activity pack)
White water kayaking/canoeing (see Kayaking/Canoeing for the relevant activity pack)
Yachting (see Sailing for the relevant activity pack)
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The amount depends on your age, policy type and destination chosen. The maximum excess payable on this policy in the event of a claim is £50 per person per claim. However, where you are liable for damage to accommodation your contribution is increased to £250 per person per claim. |
Business
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Points Cover 10,000
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Cover for reasonable additional travel and accommodation costs for a business partner/employee to replace you at a pre-arranged meeting in the event of your medical incapacity. Plus, cover for the cost of replacing lost, stolen, or damaged business equipment. Single Trip £4.99 per person. |
This gives you protection of 10,000 points cover per policy in the event of cancellation for an insurable reason. Each point has a notional refund value of six pence. £9.75 Per Policy |
Cancellation Topup £7,500
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Points Cover 20,000
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Cancellation cover up to £7,500 per person |
This gives you protection of 20,000 points cover per policy in the event of cancellation for an insurable reason. Each point has a notional refund value of six pence. £19.52 Per Policy |
Cancellation Topup £10,000
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Points Cover 30,000
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Cancellation cover up to £10,000 per person |
This gives you protection of 30,000 points cover per policy in the event of cancellation for an insurable reason. Each point has a notional refund value of six pence. £29.27 Per Policy |
Car Hire Excess Waiver
The lead passenger must be within the following age limits for Single trips 21- 99 years.
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1. the reimbursement of the accident damage or theft excess applied to your car hire insurance if the insured vehicle is
damaged or involved in an accident during the rental period within the territorial limits of Europe and the United Kingdom;
2. the cost of replacing rental car keys if these are lost, stolen or damaged during the rental period, this includes where
necessary the costs to replace locks or for a locksmith to break into the insured vehicle within the territorial limits of
Europe and the United Kingdom. AGE LIMITS - Single trips 21- 99 years and AMTs 21-79 years. £17.93 Per Policy
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