Policies

WE OFFER BOTH OUR OWN UNIQUE TRAVEL INSURANCE PRODUCTS AND SELECTED THIRD PARTY PRODUCTS THAT INCLUDE PRODUCTS DESIGNED FOR

 

Older travellers

For those with existing health conditions

Products that are by design suitable for travellers of any age

Non UK Residents

Specialist Terrorism protection cover

Business travel insurance

 

Our own Unique Travel Insurance Products include

 

SINGLE TRIP

Our flagship product covering most trips without the need for any medical declaration.

• Cover available for persons aged up to 90
• Maximum trip duration is 94 days
• No health declaration for most destinations

 

MULTI TRIP

Just like Single Trip, covers most trips without the need for any medical declaration.

• Available for persons aged up to 80 years
• Discounted price for Couples
• Any number of trips up to 31 days

 

Single Trip PREMIER - Moneyfacts 4 star rated travel insurance product.

A product that combines exclusive high levels of cover combined with a fixed level policy excess for any age.

* No age limit
* Fixed excess
* Full travel end supplier financial failure cover
* Superior levels of cover across the product
* Pre existing health conditions need to be declared

 

Single Trip BUDGET

Budget priced but not budget cover!  This is our low cost travel insurance product offering a combination of quality cover with premiums lower than our other specialist products, with availablity for trips up to 6 months duration making it also suitable also for Gap Year or Backpacker type travel. 

• Maximum age for this product is 65 years
• Pre existing health conditions need to be declared
• Trip duration up to 185 days
• Family Discounted prices

 

UK Holiday Cancellation Insurance

This is our new product designed to cover Cancellation only for any holiday booking in the UK.

• No age limit
• Premiums per booking value
• Up to 8 persons insured for one premium
• No medical health declaration required

 

Selected Third Party Products

 

Business Travel Insurance

We have set up a special policy designed for businesses wishing to arrange business travel insurance for employees, with the following key features.

• Holiday Travel and Winter Sports Extension automatically covered for All Directors or Partners, their Partner(s) and Dependant Child(ren)
• Corporate Guests and Sub-Contractors automatically covered whilst travelling on behalf of the Insured
• Personal Baggage wording on a ‘replacement’ basis
• No pre-existing medical condition exclusions (provided they are not travelling contrary to medical advice, to obtain treatment or after a terminal prognosis)

 

Terrorism Cover

Terrorism Travel Insurance product which provides extended and additional cover for terrorism, including cancellation if you would prefer not to travel following a terrorist attack close to your planned holiday destination

• Cancellation Cover up to £2000
• Curtailment Cover up to £2000
• Emergency Medical Expenses up to £1 million
• Evacuation and Emergency Temporary Accommodation up to £1000
• Travel Delay up to £200
• Personal Effects up to £1500

 

Non UK Resident Cover

Provides cover for individuals, families and groups of any nationality worldwide providing cover while travelling outside of their Home Country for single trips outside of home country up to an initial maximum trip duration of 24 months. Additionally, if you are not sure how long you will be overseas or if your trip gets extended, then as long as you had initially bought at least one month of coverage at the outset and have no gaps in cover, you can incrementally extend the cover period up to a maximum of 36 months from the initial effective date.

Plus, if you have forgotten to arrange coverage before you departed, then you can even apply for cover if you have already travelled (subject to policy terms, conditions and limitations).

 

Declined Medical Conditions & Over 90 Years

We have teamed up with Free Spirit insurance so that we can offer travel insurances for persons over 90 years of age and to customers who present high risk medical problems that fall outside of the cover provided under our main SINGLE TRIP and MULTI TRIP products.

• No upper age limit
• Cover for most existing medical conditions and disabilities
• Online medical screening, instant quotes and buy online
• Terminal cases considered
• After care cover at home following hospitalisation abroad
• Convalescence benefit following hospitalisation abroad (over 5 days)