Policy details

PEACE OF MIND PROTECTION

The tables below show a summary of benefits only. If you prefer, this is available to download as a pdf.

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)
  • Burial costs/body repatriation
  • 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
  • £3,500
  • £400
    (£20 / 24hrs)
  • £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 per 12 hrs)
  • £5,000
  • Excess*
    per person
  • £75
  • Nil
  • £75
  • £75
  • £100
    (£25 loss of deposit)
  • Nil
  • Nil
  • £100

  • 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 Travel Advice Unit of the Foreign & Commonwealth Office (FCO) or the World Health Organisation (WHO) or similar body have 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.