The table below displays a summary of the maximum amounts which are payable under each section. Please note the group policy is subject to terms, conditions, limits and exclusions - please refer to the group policy wording and the statement of insurance for full details of the cover available.
Excess Waiver: If additional premium for excess waiver has been paid, the excess is reduced to £0.00 in the event of a claim under any section for which an excess applies.
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Insurance Summary |
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Section |
Benefits |
Essential Option |
Superior Option |
Excess |
|
1 |
Cancellation or curtailment charges |
£1,000 |
£3,000 |
|
|
|
Excursions |
no cover |
no cover |
£150.00 |
|
2 |
Emergency medical & other expenses |
£2,000,000 |
£5,000,000 |
|
|
|
Emergency dental treatment |
£150 |
£150 |
£150.00 |
|
|
Search and rescue |
no cover |
no cover |
|
|
3 |
Hospital benefit |
£15 per day / £300 |
£25 per day / £800 |
£0.00 |
|
4 |
Personal accident |
|
|
|
|
|
i. Death benefit (aged under 16) |
no cover |
no cover |
£0.00 |
|
|
Death benefit (aged 16 to 64) |
£15,000 |
£30,000 |
|
|
|
Death benefit (aged 65 and over) |
no cover |
no cover |
|
|
|
ii. Loss of limbs or sight (aged under 65) |
£15,000 |
£30,000 |
|
|
|
iii. Permanent total disablement (aged under 65) |
no cover |
£30,000 |
|
|
5 |
Baggage (Including valuables) |
£250 |
£2,000 |
|
|
|
a) Single article, pair or set limit |
£100 |
£300 |
£150.00 |
|
|
b) Valuables limit in total |
£100 |
£350 |
|
|
|
Baggage delay |
£100 |
£100 |
£0.00 |
|
6 |
Personal money, passport & documents |
|
|
|
|
|
1. a) Currency, notes and coins |
no cover |
£200 |
|
|
|
b) Currency, notes and coins (aged under 16) |
no cover |
£200 |
£150.00 |
|
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c) Other personal money and documents |
no cover |
£500 |
|
|
|
2. Passport or visa |
no cover |
£500 |
|
|
7 |
Personal liability |
£2,000,000 |
£2,000,000 |
£150.00 |
|
8 |
Delayed departure |
|
|
|
|
|
1. Delay |
no cover |
£20 1st 12 hrs £10 each subsequent 12 hrs / £300 |
£0.00 |
|
|
2. Cancellation of trip |
£1,000 |
£3,000 |
£150.00 |
|
9 |
Missed departure |
no cover |
£1,000 |
£150.00 |
|
10 |
Hijack and hostage |
|
|
|
|
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1. Hijack |
no cover |
£50 per day / £500 |
£0.00 |
|
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2. Hostage |
no cover |
no cover |
|
|
14 |
Overseas legal expenses & assistance |
no cover |
£25,000 |
£0.00 |
|
|
Aggregate limit |
no cover |
£25,000 |
|
|
Optional - Winter Sports Cover |
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|
Section |
Benefits |
Essential Option |
Superior Option |
Excess |
|
17 |
Ski Equipment |
£200 (own) / £200 (hired) |
£500 (own) / £500 (hired) |
£100.00 |
|
|
Single article, pair or set limit |
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18 |
Hire of ski equipment |
£10 per day / £200 |
£25 per day / £500 |
£0.00 |
|
19 |
Ski pack |
|
|
|
|
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a) Injury or illness |
£25 per day / £100 |
£50 per day / £500 |
£0.00 |
|
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b) Lost pass |
no cover |
no cover |
|
|
20 |
Piste closure |
no cover |
£20 per day / £200 |
£0.00 |
|
21 |
Avalanche cover |
no cover |
£200 |
£100.00 |