Policy details

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.

  • Policy Section
  • Cancellation charges
  • Backpacker
  • £1,000
  • Longstay
  • £2,500
  • Longstay Plus
  • £2,500
 
  • Policy Section
  • Departure delay
  • Missed departure
  • Abandonment after 24 hours
  • Personal possessions
  • Possessions delayed in transit
  • Personal money
  • Loss of travel documents
  • Emergency medical expenses
  • State hospital benefit
  • Curtailment
  • Personal liability
  • Accidental death & disability benefit
  • Legal advice and expenses
  • Consular assist cover*
  • Gadget cover
  • Backpacker
  • No cover
  • No cover
  • No cover
  • £500
  • No cover
  • No cover
  • No cover
  • £2,000,000
  • £200
  • £250
  • £1,000,000
  • £5,000
  • No cover
  • No cover
  • No cover
  • Longstay
  • £100
  • £1,000
  • £2,500
  • £2,000
  • Essential items £100
  • £500
  • £250
  • £5,000,000
  • £400
  • £500
  • £2,000,000
  • £15,000
  • £25,000
  • No cover
  • £1,000
  • Longstay Plus
  • £100
  • £1,000
  • £2,500
  • £2,000
  • Essential items £100
  • £500
  • £250
  • £5,000,000
  • £400
  • £500
  • £2,000,000
  • £15,000
  • £25,000
  • Insured incident
  • £1,000
 
  • Part C
    can only be taken with Part A & Part B
  • 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 Foreign and Commonwealth Office (FCO) advises against 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.
**** Under a Single Trip policy, the sums insured for Activity Equipment/Single items, pair or set limit, Part B, may be increased to a maximum of £10,000 per person (up to £1,500 single items, pair or set limit). Details of the cover you have chosen is shown on your schedule.
***** Under a Single Trip policy, the sums insured for Cancellation/Curtailment (including pre-paid Activity Course Fees), Part B, and Abandonment cover (including pre-paid Activity Course Fees), Part B, may be increased to a maximum of £10,000 per person. Details of the cover you have chosen is shown on your schedule.
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.

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