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Summary of cover

Please see the summary of cover below for both our Annual Multi-trip Insurance and Single Trip Travel Insurance.

Cover	Annual Multi-trip and Single Trip limits for each insured person per trip	Excesses for each insured person per trip
Cancellation Charges	£5,000	£50 (£10 loss of deposit). Maximum £100 if 2 or more people cancel the same trip.
Emergency Medical and Associated Expenses	£10,000,000	£50
Hospital Benefit	£25 for each 24 hour period (£1,000 maximum)	Nil
Abandonment	£5,000	£50 (maximum £100 if 2 or more people abandon the same trip)
Personal Accident	£30,000 (£15,000 death benefit, reduced to £1,000 if aged under 16 and £15,000 reduced Permanent total disablement if aged over 70 years)	Nil
Personal Liability	£2,000,000	Nil or £100*
Delayed Departure	£25 for each 12 hour period (£250 maximum)	Nil
Abandonment after a 24 hour delay	£5,000	£50
Missed Departure	£1,000	Nil
Legal Expenses & Advice	£25,000	Nil
Hijack and Mugging	£50 for each 24 hour period (£1,000 maximum)	Nil
Pet Care	£25 for each 24 hour period (£250 maximum)	Nil
Loss of Passport	£350	Nil
Personal Money	£500 (£300 limit for cash) (£100 limit for cash if aged under 16)	£50
Delayed Baggage	£150	Nil
UK Motor Breakdown	£500 per trip	Nil

Optional cover (these options only apply if chosen)

Cover	Annual Multi-trip and Single Trip limits for each insured person per trip	Excesses for each insured person per trip
Baggage	£1,500 £300 single article limit £400 total valuables limit	£50
Extended Golfing Cover	£1,000 for your equipment £35 a day to £250 to hire replacement equipment £250 for green fees	£50
Scuba Diving	Emergency Medical and Associated Expenses, Hospital Benefit and Abandonment cover are extended whilst you are scuba diving	Nil or £50**

Winter Sports Cover (Optional)

Cover	Annual Multi-trip and Single Trip limits for each insured person per trip	Excesses for each insured person per trip
Winter Sports Equipment	£500 for your own equipment (£400 for hired equipment)	£50
Delay due to Avalanche	£200	Nil
Piste Closure	£20 or £30 for each day (£300 maximum)	Nil
Ski Pack	£300	Nil
Inability to take part in Winter Sports activities	£20 for each day	Nil

* If you are occupying any temporary holiday accommodation we will not cover the first £100 of any Personal Liability claim

** £50 excess applicable to Emergency Medical and Associated Expenses Cover and Hospital Benefit only. No excess will be charged for Abandonment cover.

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