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Policy Summary
Policy Booklet
Annual travel insurance for business travellers.
To apply call 0845 230 3526 (9am-5pm weekdays excl Bank Holidays).

Designed for:
Business travellers both individual and companies requiring a comprehensive travel insurance package.

Eligibility:
Available to EEA, Channel Islands or Isle of Man residents

EEA is defined as - The European Economic Area incorporating member countries of the European Union, Iceland, Liechtenstein and Norway.

Age limit:
Normally 65 years – a higher limit may be available on application.

Underwritten by:
AGA International SA and administered in the UK by Allianz Global Assistance.

Cover provided:
This is an Annual Multi-trip travel insurance policy covering business travel for individuals or for companies.

In addition to high levels of cover, the policy also includes other essentials such as business equipment/samples, staff replacement, cost of a replacement trip, loss of frequent flyer points and even “bumped” flights – see the Policy Booklet for further details.

Cover includes:
  • Medical and Emergency Expenses up to £10,000,000

  • Cancellation, Loss of Deposit or Curtailment up to £10,000

  • Personal Accident up to £50,000

  • Business Equipment /Samples up to £5,000
    (single item limit £2,000)

  • Personal Possessions up to £2,500
    (single item limit £500; valuables limit £500)

  • Staff Replacement Costs up to £10,000

  • Re-arranged Trip Costs up to £2,500

  • Loss of Frequent Flyer Points up to £1,500

  • Bumped Flight up to £200

  • Unexpected early return to place of business up to £1,000

  • Kidnap and Hijack cover up to £25,000

  • Personal Liability cover up to £2,000,000

  • Legal Expenses up to £25,000


Leisure option
Leisure only trips up to 31 days duration can be included by paying an additional premium – your family will be automatically covered.
Note: A limit of up to £2,500 per person applies to Cancellation, Curtailment or Abandonment cover.


Unique Features:
  • Flexible approach to cover where the premium is either based on the number of employees travelling or declared ‘trip pattern’

  • Simple to administer (no declarations)

  • No policy excess

  • Automatic Leisure Travel & Winter Sports extension for primarily Business Trips

  • Cover for accompanying spouse and children

  • Cover can be provided for both manual and non manual occupations


Premium Options:
There are three ways to obtain the cover -

(a) Per person basis – with group discounts applying for more than 5 staff on the policy.

(b) Travel pattern basis – a flat premium based on the predicted number of trips.

(c) Tailored options – include premiums based on existing claims experience, voluntary excesses required and complimentary cover to Private Medical Insurance arrangements.

Insurance Premium Tax: 6% for policies in a company name or 20% for sole traders/partnerships.

ATII

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