Cheap travel insurance – schedule of benefits

The excess is the amount you have to pay towards the cost of a claim and is deducted from the amount you will be paid out by the insurer. For example, if you had to cancel your holiday due to illness and the cost of your holiday was £1000, if your policy has a £250 excess you would receive £750 back from your insurer, provided you had £1000 or more cancellation cover.

The excess payable on Medical, Personal Liability and Legal Expenses claims may be higher and some sections of the policy have no excess. Your policy schedule will show the excess payable on each section of your policy.

Excess on Personal Money:
The excess on the personal money section of the policy works slightly differently.
In this instance the excess is the minimum amount you need to have lost before you are eligible to make a claim.
With an excess of £200, you must have lost over £200 to be eligible to submit a claim. You will then be able to claim for the amount you have lost over £200, up to the limit stated in your policy schedule.
For example, where the limit for Personal Money is £100 and the excess is £200, if you have lost £250, you will be eligible to make a claim for £50. If you have lost £300 you will be able to make a claim for £100. If you have lost £400, you will be able to make a claim for £100.

This is the is the amount you will generally have to pay towards the cost of a claim under the medical and repatriation section of the policy.

Provides cover for your unrecoverable holiday costs in the event that you are forced to cancel your trip due to various reasons such as illness or redundancy, up to the amount specified.

Terms and conditions apply, see policy wording for full details.

Provides cover for your unrecoverable holiday costs in the event that you are forced to curtail your trip (return home early) due to various reasons such as illness or injury, up to the amount specified.

Terms and conditions apply, see policy wording for full details.

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 policy wording for full details.

Provides a benefit to cover incidental expenses, up to the amount specified, if the start of your booked outward, or return international, journey is delayed for more than 12 hours, due to industrial action, adverse weather or mechanical breakdown.

Terms and conditions apply, see policy wording for full details.

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 policy wording for full details.

Provides cover for additional travel and/or accommodation expenses in the event that you miss the international departure of your outward journey, due to accident, electrical or mechanical breakdown of the vehicle you are travelling in, up to the amount specified.

Terms and conditions apply, see policy wording for full details.

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 policy wording for full details.

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 policy wording for full details.

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 policy wording for full details.

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 policy wording for full details.

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 policy wording for full details.

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 policy wording for full details.

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 policy wording for full details.

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 policy wording for full details.

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 policy wording for full details.

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
• Villas 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

Terms and conditions apply, see policy wording for full details.

Gadget Cover Up to £1000

We will pay up to £1000 for the intrinsic value or cost of repair of your gadgets, including tablet computers and mobile phones, which is lost, stolen, damaged or destroyed whilst you are away on your trip.

Unauthorised calls if your mobile phone is stolen up to £75

We can cover the following gadgets: Mobile phones, iPhones, iPads, Tablets, Smartwatches and Go Pro’s.

Please note:
There is a single article limit of £500.
You must take reasonable care of your gadgets and not leave them unattended in a public place.
You must own the item and be able to provide proof of ownership.
Allowance will be made for wear and tear and depreciation.

Other terms and conditions apply. Please read the Policy Wording for the full details.

Provides additional cover for cancellation and additional expenses as a result of a catastrophic natural event, such as: fire, flood, earthquake, storm, lightening, explosion, hurricane, volcanic eruption or infectious disease which is unknown and unforeseen at the time you purchase the insurance or book your holiday, whichever is the latter.

Natural Catastrophe cover is available to add to any of your Silver, Gold or Platinum policies and includes the following cover:

Cover for cancellation up to £1,500 per person
Provides cover for any part of your outward, onward, return journey or whole trip which is cancelled due to a natural catastrophe.

Additional expenses to enable you to return home up to £150 per day (£1,500 in total) per person

Provides cover for reasonable additional accommodation (room only) costs and transport expenses, up to the standard of your original booking, to enable you to return home if the public transport you are booked on is cancelled or delayed due to a natural catastrophe and an alternative is not provided within 24 hours, or in the case of connecting transport, not provided within a time frame that allows you to continue with your original itinerary.

Please note: Cover does not apply if your holiday forms part of a tour operator’s package. In this instance it is the responsibility of your tour operator to look after you and get you home.

Please read the policy wording for full details.

Extend your travel insurance cover to include legal costs up to £25,000 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 property owner if they fail to fulfil their contract with you.

This insurance is administered by Legal Insurance Management Limited and underwritten by UK General Insurance Ltd on behalf of Great Lakes Insurance SE

For more information please read the full documentation for Travel Disputes Extension.

Your cover automatically includes the Activities listed below at no additional cost.

Cover for the following activities that are considered to be Hazardous Pursuits is included provided they are incidental to the trip (not sole purpose) and for recreational purposes only, not for competitions or any professional activity.

For the purpose of Hazardous Pursuits SOLE PURPOSE shall mean: taking part in any hazardous Pursuits on more than 50%, of the number of days of your booked trip.

Personal Liability Cover does not apply when participating in any Hazardous Activities.

• Angling/Fishing (Fresh Water)
• Archery*
• Badminton
• Bamboo Rafting
• Banana Boating
• Baseball
• Basketball
• Beach Games
• Billiards
• Blade Skating
• Board Sailing-Inshore only
• Boating
• Body Boarding- Inshore only
• Boogie Boarding- Inshore only
• Bowls
• Canoeing
• Catamaran Sailing- Inshore only
• Clay Pigeon Shooting*
• Cricket
• Croquet
• Cross Country Running
• Curling
• Cycling (excluding off-road, BMX or Mountain Biking)
• Dancing
• Darts
• Dinghy Sailing
• Disc Golf
• Doughnut
• Dragon Boat Racing
• Fell walking up to 2000 metres
• Fruit or Vegetable Picking (under 3 metres)
• Glass Bottom Boats
• Goalball
• Golf
• Handball
• Hiking up to 2000 metres(excluding the use of picks, ropes and guides)
• Hobbie Catting* - Inshore only
• Ice-skating (rink only)
• Jet Biking - Inshore only*
• Jet Boating - Inshore only*
• Jet Skiing - Inshore only*
• Jogging
• Kayaking- Inshore only and up to white water grade 3
• Kite Boarding
• Kite Surfing
• Korfball
• Laser Tag
• Low Ropes
• Motorcycling up to 50cc (Excluding Quad biking)
• Netball
• Non-Manual Labour – excluding Animal Sanctuary/Refuge work
• Orienteering
• Parascending (towed by boat)
• Pilates
• Pony Trekking
• Pool
• Power Boating -Inshore only
• Rackets
• Racquet Ball
• Rafting - Inshore only and up to white water grade 3
• Rambling up to 2000 metres(excluding the use of picks, ropes and guides)
• Roller skating
• Rounder’s
• Rowing
• Sail Boarding -Inshore only
• Sailing- Inshore
• Scuba diving* (up to 18 metres)
• Sea Fishing (From Shore)
• Snooker
• Snorkelling
• Softball
• Spinning
• Squash
• Surfing - Inshore only
• Swimming - (Pool and within a marked area with a lifeguard only)
• Swimming off a boat (with a qualified supervisor in attendance i.e a lifeguard)
• Swimming with dolphins
• Sydney Harbour Bridge Climbing (Professional, organised and supervised)
• Table tennis
• Ten Pin Bowling
• Tennis
• Theme Parks
• Trampolining
• Trekking up to 2000 metres(excluding the use of picks, ropes and guides)
• Tubing
• Tug of War
• Volleyball
• Wakeboarding
• Walking up to 2000 metres(excluding the use of picks, ropes and guides)
• Water Parks
• Water Polo
• Water-skiing – Inshore only and no jumping
• Whale Watching
• Windsurfing - Inshore only
• Yachting- Inshore
• Yoga

Includes cover for all the activities listed in Category A, plus the Activities listed below.

Cover for the following activities that are considered to be Hazardous Pursuits is included provided they are incidental to the trip (not sole purpose) and for recreational purposes only, not for competitions or any professional activity.

For the purpose of Hazardous Pursuits SOLE PURPOSE shall mean: taking part in any hazardous Pursuits on more than 50%, of the number of days of your booked trip.

Personal Liability Cover does not apply when participating in any Hazardous Activities

• Animal/Camel/Elephant/Horse/Riding under 7 days
• Breathing Observation Bubble (BOB) up to 18 metres, Bungee Jump* - No Personal Accident cover
• Charity Rallies (no racing) - Sole purpose of trip is covered
• Cycle Touring - Sole purpose of trip is covered
• Deep Sea Fishing -Inshore only
• Dog Sledging
• Fell Walking(between 2000 and 3000 metres altitude) - Sole purpose of trip is covered
• Fencing
• Flying a private plane or small aircraft*
• Flying as a passenger in a private or small aircraft*
• Football
• Glacier Walking
• Go Karting up to 250cc
• Gorilla Trekking - Sole purpose of trip is covered
• Gymnastics
• Hiking between 2000 and 3000 metres altitude (excluding the use of picks, ropes and guides) - Sole purpose of trip is covered
• Hockey - (Field)
• Hot Air Ballooning*
• Hydro Zorbing
• Manual/Farm Work* (ground level only no machinery - excluding Animal Sanctuary/Refuge work)
• Motorcycling* (between 51cc – 125cc no racing) as a rider or passenger. When using the vehicle, either as a driver or passenger, a helmet must always be worn. The rider must hold an appropriate UK licence (Excluding Motorcycle Touring)
• Paint Balling
• Passenger Sledge
• Quad Biking* (no racing) under 125cc as a rider or passenger. When using the vehicle, either as a driver or passenger, a helmet must always be worn. The rider must hold an appropriate UK licence
• Rambling between 2000 and 3000 metres altitude (excluding the use of picks, ropes and guides) - Sole purpose of trip is covered
• Reindeer Sledge
• Safari (UK booked and not involving use of firearms) - Sole purpose of trip is covered
• Scuba Diving* (between 18 and 30 metres)
• Sea Canoeing -Inshore only*
• Sea Kayaking -Inshore only*
• Soccer
• Trekking between 2000 and 3000 metres altitude (excluding the use of picks, ropes and guides) - Sole purpose of trip is covered
• White Water Canoeing* (Grade 4)
• White Water Kayaking* (Grade 4)
• White Water Rafting* (Grade 4)
• Wind Tunnel Flying

Includes cover for all the activities listed in Categories A and B, plus the Activities listed below.

Cover for the following activities that are considered to be Hazardous Pursuits is included provided they are incidental to the trip (not sole purpose) and for recreational purposes only, not for competitions or any professional activity.

For the purpose of Hazardous Pursuits SOLE PURPOSE shall mean: taking part in any hazardous Pursuits on more than 50%, of the number of days of your booked trip.

Personal Liability Cover does not apply when participating in any Hazardous Activities

• Abseiling
• Big Foot
• Devil Karting*
• Dirt Boarding
• Gaelic Football
• Glacier Skiing
• Gliding*
• Horse riding over 7 days (no Polo Hunting or Jumping
• Hurling
• Ice Fishing
• Ice Hockey - With full body protection
• Kick Boxing (Training only)
• Lacrosse/Shinty
• Manual Work* (ground level only including the use of light hand held machinery)
• Marathon
• Martial Arts (Training only)
• Motorcycling over 125cc*. Must have a full Clean Licence and be over the age of 25 years as a rider or passenger. When using the vehicle, either as a driver or passenger, a helmet must always be worn (Excluding Quad biking and Motorcycle Touring)
• Octopush
• Off Piste Skiing (with a professional guide/instructor within recognised resort areas)
• Off Piste Snowboarding (with a professional guide/instructer within recognised resort areas)
• Outdoor Endurance Events)
• River Tubing
• Roller Hockey
• Rugby
• Sand Boarding
• Sand Dune Surfing
• Sand Skiing*
• Sand Yachting
• Segway (Supervised, non-competitive)
• Shark Diving* (Cage only)
• Skate Boarding
• Ski Run Walking
• Ski Yawing
• Ski-Dooing
• Skiing - Sole purpose of trip is covered
• Skiing (Cross Country)
• Skiing (Dry Slope)
• Sledging
• Snow Blading - Sole purpose of trip is covered
• Snow Boarding - Sole purpose of trip is covered
• Snow Bobbing
• Snow Carting up to a 125cc*
• Snow Decking
• Snow Go Karting
• Snow Kiting
• Snow Mobiling
• Snow Parascending
• Snow Scooting
• Snow Shoe Walking
• Snow Shoeing
• Snow Tubing
• Snow Zorbing
• Snowboarding (Dry Slope)
• Snowcat Driving*
• Snowcat Skiing
• Summer Tobogganing
• Swimming (open Water)
• Swimming off a boat (Unsupervised and/ or no lifeguard)
• Swimming with Dolphins (Open Water)
• Tobogganing
• Tree Top Canopy Walking
• Triathlon
• Water Hockey
• White Water Canoeing (Grade 5 to 6)
• White Water Kayaking* (Grade 5 to 6)
• White Water Rafting (Grade 5 to 6)
• Yachting (crewing) – Offshore but within European waters - Sole purpose of trip is covered
• Zip Lining

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
• 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.

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.

Choosing this option will remove any cover for cancellation and curtailment from your policy.

Choosing this option will remove any cover for personal possessions and money from your policy.

Covers your portion of prepaid, irrecoverable transport, accommodation, foreign car hire costs and prepaid excursions up to a maximum of £2,000 (excursion limited to £250) should you not wish to travel due to an act of terrorism occurring prior to your outbound travel date and within a 40 mile radius of your booked accommodation.

OR if you have already travelled;

your portion of prepaid, irrecoverable, accommodation, foreign car hire costs and prepaid excursions and either your pre-booked return travel costs, or the cost of your curtailment travel costs, whichever is the greater up to a maximum of £2,000 (excursion limited to £250) should you wish to return home due to an act of terrorism occurring within a 40 mile radius of your booked accommodation.

An excess of £50.00 per person per claim applies to any losses and further terms, conditions and exclusions apply, please see the document wording for full details.

For more information please read the full documentation for Terrorism Cover Extension.