Cover is for a single specified trip only. A separate policy must be taken out for each trip. If you are planning 2 or more trips in a year then you may be better off with an Annual Travel Insurance
Although cover is for your trip or holiday do not forget to take out your Travel Insurance as soon as you can after booking your holiday to ensure you benefit fully from the cancellation cover provided.
Annual Travel Insurance is ideal if you plan on taking multiple trips in the year. Multi trip cover can save travellers of any age, time and money compared to single trip insurances. Call us on 01603 400755 and we will be happy to quote for Annual Travel Insurance.
Maximum trip duration options range from 31 days to 93 days per trip.
It is not possible for us to show a complete list of cover here because it will vary depending upon your own needs and requirements. Typically Travel Insurance includes the following: –
Cancellation and Curtailment – In the event that you have to cancel or cut short your trip due to an insured risk.
Personal Effects and Baggage – Cover for luggage and personal belongings
Money and Cash – Money, Cheques, Travellers Cheques
Travel Delay – If your trip is delayed due to an insured
Medical Expenses
We can provide cover for most medical conditions.
Important Information for Customers with Pre-existing Medical Conditions
We are obliged to inform you of how to improve your access to travel insurance policies that includes cover for more serious medical conditions.
The following factors would determine when this information is relevant to you:
• You have not been offered, or we/the insurer, have declined a quotation wholly or partly due to a medical condition
• Your policy has been cancelled, wholly or partly, due to a medical condition
• You have been offered a policy with a medical condition exclusion, which cannot be removed from the policy
• You have been offered a policy with a medical condition premium of £100 or more
• You have been offered a policy in respect of which the medical condition premium is not known.
We would like to provide you with details of a ‘Medical Cover Firm Directory’, which is a publicly available directory that only lists firms that provide, or arrange, travel insurance policies that cover more serious medical conditions. The directory will also show you enough information about each firm listed so you can make an informed initial choice about which provider might meet your needs.
Some of the advantages of using the directory make it easier for you to navigate the available market and make it more likely in finding a firm who:
• Is willing to offer cover for your condition
• Is willing to offer cover for your condition without specific exclusions
• Is willing to offer cover for your condition at a more affordable price.
The Money and Pensions Service (MaPS) has launched a travel insurance directory on its Money Advice Service website which can be accessed here.
Consumer enquires about the directory can be made to the Money Advice Service’s Customer Contact Centre, which is available Monday to Friday, 8am to 6pm using the details below:
Telephone – 0800 138 7777
Email – enquiries@maps.org.uk
Address – The Money Advice Service, Holborn Centre, 120 Holborn, London, EC1N 2TD
Not all Travel Insurance is equal and we understand this so we can also offer extended cover for: –
If you are the adventurous type and sitting by pool with a cold drink isn’t all that you look for on holiday then you may well need to extend cover to include a “Hazardous” activity. Please check with us by calling us on 01603 400755
Aerobics, Archery, Badminton, Basketball, Beach Games, Bowls, Canoeing (up to Grade 3), Cricket, Cycling (not BMX), Fell Walking, Rambling and Trekking, Fishing, Ice Skating (rink only), Kayaking (up to grade 3), Mountain Biking (excluding competition), Parascending (towed by boat), Rafting (up to grade 3), Roller Skating, Scuba Diving (up to 18 metres), Skateboarding, Snooker, Snorkeling, Squash, Surfing, Swimming, Table Tennis, Tennis, Volleyball, Water-Skiing (inside 12m limit), Windsurfing (inside 12m limit), Yachting (inside 12m limit)
Boxing Training (no contact), Bungee Jumping, Camel/Elephant Riding, Cycle Touring, Deep Sea Fishing, Flying a private plane or small aircraft, Flying as a passenger in a private or small aircraft, Go Karting (Specific use), Gymnastics, Hiking (between 2,000 & 6,000 metres altitude), Hockey, Horse Riding (no Polo, Hunting, Jumping), Hot Air Ballooning (non-UK organised), Hydro Zorbing, Kayaking, Martial Arts (training only), Motorcycling (over 50cc – no racing), Quad Biking (no racing), Rugby, Safari (no firearms), Scuba Diving (between 18 & 30 metres), Sea Canoeing, Trekking (between 2,000 & 6,000 metres altitude), Triathlon – Road Bike, White Water Canoeing/Rafting (Grade 4), Work Abroad (manual,ground level, no machinery)
Abseiling, American Football, Gliding, Outdoor Endurance Events, Parachuting, Paragliding, Parascending (over land), Sail Boarding, Sand Boarding, Sand Yachting, White Water Canoeing (Grade 5 to 6), White Water Rafting (Grade 5 to 6), Yachting (racing/crewing) outside coastal waters
Animal Riding (other than specified), BMX Cycling, Canyoning, Hang Gliding, High Diving, Horse Jumping (no Polo, Hunting), Ice Hockey, Land Yachting, Micro Lighting, Motor Rallies, Parasailing, Rock Climbing, Rock Scrambling, Scuba Diving (between 30 & 40 metres), Show Jumping (no Polo, Hunting), Skydiving, Triathlon – Ironman, Triathlon – Mountain Biking, Wrestling
Most travel insurances can be extended to include cover for specifically for winter sports.