Policy details

PEACE OF MIND PROTECTION

This is a summary of benefits only.

Click here for full policy terms & conditions including excesses.

  • SECTION
  • Cancellation or Curtailment Charges
  • Emergency Medical & Other Expenses
  • Rescue Expenses
  • Hospital Inconvenience Benefit
  • Personal Accident
  • - Death
  • - Loss of Limb(s) / Sight
  • - Permanent Total Disablement
  • Baggage & Passport
  • Single article, pair or set limit
  • Valuables limit
  • Sports Equipment limit
  • Loss of Passport (travel & accommodation)
  • Baggage Delay (over 12 hours)
  • Sports Equipment Delay (over 12 hours)
  • Personal Money & Travel Documents
  • Cash limit
  • Personal Liability
  • Journey Disruption incl. Airspace Closure
  • Delayed Departure (after 12 hours)
  • or
  • Trip Cancellation (after 12 hours delay)
  • Missed Departure / Missed Connection
  • Travel Risks
  • - Hijack / Kidnap
  • - Mugging
  • - Catastrophe
  • Legal Expenses
  • Loss of Sports Activity Pack
  • Additional Pet Care Fees
  • Winter Sports cover
  • Ski Equipment loss / damage
  • Single article, pair or set limit
  • Hired Ski Equipment lost / damaged
  • Delayed Ski Equipment (after 12 hours)
  • Loss of Ski Pack
  • Piste Closure (not UK)
  • Avalanche / Weather Delay
  • Cover per person
  • £5,000
  • £10 Million
    £10M
  • £150,000
    £150K
  • £1,000
    (£50 per 24 hours)
  • £5,000†
  • £10,000
  • £10,000†
  • £2,500
  • £500
  • £500
  • £1,500
  • £500
  • £300
  • £350
  • £750††
  • £400††
  • £2 Million
    £2M
  • £2,500
  • £120
    (£30 each 12 hour delay)
  • £5,000
  • £1,000
  • £2,500
    (£100 per 24 hours)
  • £250
  • £1,000
  • £50,000
  • £250
  • £200
    (£10 per 24 hours)
  • £500
  • £350
  • £350
  • £350
  • £250
  • £300
    (£30 per 24 hours)
  • £500
  • Excess*
    per person
  • £95
  • £95
  • £95**
  • Nil
  • Nil
  • Nil
  • Nil
  • £95
  • Nil
  • Nil
  • Nil
  • £95
  • £95 (property damage)
  • £95***
  • Nil
  • £95
  • £95***
  • Nil
  • Nil
  • £95
  • Nil
  • Nil
  • Nil
  • £95
  • Nil
  • Nil
  • Nil
  • Nil

British Forces Posted Overseas & Embassy Personnel cover only applies if your home is an HM Base.

* The excess is deducted from each claim event. This means that more than one excess might apply, for example if your claim falls under multiple sections of the insurance cover then an excess will apply for each as noted in the table above.
Note: Any excess imposed by us following your call to the medical screening line will still apply.
** The excess is increased to £500 in respect of helicopter rescue from / within Nepal.
*** The excess is increased to £250 for missed departure / missed connection from Lukla airport in Nepal due to inclement weather.
† The cover is reduced if you are aged under 16 or aged 65 and over at the time of the physical injury. Please see section 4 of the policy document for full details.
†† The cover is reduced if you are under 16 at the time of the loss or theft. Please see section 6 of the policy document for full details.