Personal Insurance

• Car & Motor
• Home Insurance
• Student Insurance
• Travel Insurance
• Holiday Insurance
• - Cover
• - Special Features
• - Principle Exclusions
• Annual Travel
• Skiing Insurance
• Extreme Activity
• Studying Abroad
• Gap Year
• Backpacker
• International Students
• Long Stay Travel
• School Group Travel
• Airport Car Parking & Hotels
• → Basic Policy Info
• → Useful Travel Info
• → Full Policy Info
• Landlords
• Life Insurance
• Mortgages
• Critical Illness
• Permanent Health

Holiday Insurance

Principle Exclusions

View the full policy document.

General

• The first £40 of each claim with the exception of the liability, air rage, travel delay and personal accident/injury benefits
• Any expenses which you would have incurred in the normal course of your trip
• Any consequence arising directly or indirectly from the transmission of Human Immunodeficiency Virus (HIV) and/or any HIV related illness
• Any claim arising from suicide, self injury, alcohol or drugs or any wilful exposure to needless peril

The following Dangerous Sports are excluded:

Base jumping; big foot skiing**; bobsleigh/skeleton/luge**; bouldering*; canyoning*; cliff diving; competitions*; expeditions or trekking*; free climbing; glacier crossing*; heliskiing**; hunting or shooting of any kind; ice caving; ice hockey**; motor rallying*; mountaineering or outdoor rock climbing*; overlanding*; piloting an aircraft*; polo*; power boating*; professional sports; safaris using guns; scuba diving over 30m*; ski acrobatics; skiing or snowboarding; ski jumping; ski stunting; snow mobiles/skidoos**; snow shoeing**; solo pot holing; solo rock climbing; solo sea sailing; speed skating*; stunt flying and aerobatics; tobogganing**; yachting out of territorial waters*

Globetrotter = if cover period over three months, skiing covered on an occasional basis.

Activities marked * can be covered by our Activity policy, and those marked ** by our Winter Sports policy

UK only Cover

• Cover for a holiday in the UK only applies when accommodation has been pre-booked for two or more nights
• No medical expenses cover is included for a holiday in the UK

Medical Expenses

• Pregnancy or childbirth
• Any treatment that could reasonably be delayed until your return home
• Cosmetic surgery, chiropratic treatment, osteopathy or vaccinations
• Any expenses incurred in the UK
• Mental or nervous illness
• If you travel against the advice of a medical practitioner
• Any condition for which diagnosis or treatment has been received during the previous 12 months

Personal Accident

• Any persons aged over 66 years or over when the incident giving rise to a claim occurred
• Pregnancy or childbirth
• Mental or nervous illness
• If you travel against the advice of a medical practitioner
• Any condition for which diagnosis or treatment has been received during the previous 12 months

Luggage

• Money, except on the comprehensive policy
• Any single item worth more than £200 (essential) or £300 (comprehensive), and total valuables of £250 (essential) or £350 (comprehensive)
• Sports equipment in use
• Unattended valuables, unless left with a travelling companion
• Cycles and contact lenses

Liability

• Liability for any business or professional activity
• Any claim related to dangerous sports
• Control or use of motorised vehicles, watercraft or aircraft

Cancellation

• You failing to allow sufficient time to reach your UK departure point

Hijack/Hostage

• Claims for being a hostage unless you have been missing for more than 1 month