Free Spirit

For travellers of any age with medical conditions.

Travel Plus

Travel Insurance that gives you more.


For hazardous activities while overseas.

Longstay & Backpacker

For all types of extended trips.

Top Up My Cancellation Cover

Up to £50,000 additional cancellation cover.

High Value Cancellation Cover

Cover for ultra high net worth travel.

Coach Plus

Especially for Coach Trips in the Uk & Europe.

Euro Plus

European motor breakdown cover.


Designed for UK-based holidays.

Mission, Vision & Values

Giving travellers the freedom to travel, with confidence.

Our History

Over thirty years providing specialist travel insurance solutions.


Happy customers are are the heart of everything we do.


Our work has been recognised in some prestigious awards.

Our Team

The people who make P J Hayman what it is.


All P J Hayman Key Contacts and how to get in touch.

Specialist Travel Insurance for Veterans banner

Specialist Travel Insurance for Veterans

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If you've recently questioned why is travel insurance expensive? Our knowledgeable team has uncovered the answers. Travel insurance may add to the costs of a holiday. However, travelling with a...

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Luxurious holidays and multigenerational holidays have been increasing in popularity for some time.

In a recent article in the Sunday Times, it revealed that Grandparents are treating their families to luxurious holidays. Some are even spending up to £100,000 to make sure of a trip to remember.

Travel company Black Tomato shared that such bookings have increased by 35% since 2019.

Therefore, as these holidays continue to increase in popularity, we wanted to share the features and benefits of Travel Plus insurance. It is a policy that offers a wide range of cover for luxurious holidays, such as ski and cruise holidays.

Luxurious Holidays in Japan

Japan is a desirable holiday destination for each season. In winter, head to the mountains for fantastic skiing conditions – with hot spring natural baths in some areas to take the edge off the chill. Then, in spring, you can walk among 600 cherry trees during Hanami (cherry blossom viewing) in Osaka. A visit to ancient Kyoto in autumn is a great place to watch the changing seasons during the festival of Momijigari (maple leaf hunting) too.

Momijigari is one of Japan’s many cultural traditions to experience. Alongside an array of high-quality kaiseki ryori (multi-course) meals and sushi. While staying within a luxurious hot spring resort in the mountains. Experience many different areas in the country by boarding the bullet train. As Japan is such a contrasting and cultural country, it’s best to plan a trip with a tour guide who is knowledgeable about the country.

Taking out a Travel Plus policy provides a wide range of cover. For example, if any possessions are delayed in transit, such as gadgets or camera equipment, having the right level of cover will assist. Choose from Premier or Premier Plus.

Luxurious Ski holidays

Do you know any adventure seekers? Whether they’re young (or young at heart), a luxurious ski holiday in Europe may be on their minds come winter. Whether travelling with friends or family there’s something fun for everyone to discover. Family ski schools can be booked into (in advance), with lessons for Mum’s, Dad’s, Granddad’s, and Children to help everyone master the slopes. Or the slopes can be whizzed down via a snowboard.

After time spent snowboarding or skiing, it will be time to sip a hot beverage at the café bar with new friends and embrace après-ski culture. This is a sociable way to end the day before returning to a cosy wooden chalet. Spa treatments can also be added to the agenda to soothe tired limbs while admiring a magical mountain range.

When taking an Annual Travel Plus policy on a ski holiday, travellers will automatically receive winter sports cover. So, hired ski equipment will be covered for loss and damage. Plus, any personal winter sports equipment that’s been taken along for the adventure will be insured too.

Furthermore, if someone has an accident and needs medical assistance a 24-hour Medical Emergency Assistance Service is available. There’s also a £2,000,000 limit for personal liability on both Premier and Premier Plus levels of cover.

Celebration vacations in luxurious villas

Staying in an all-inclusive luxurious villa with a large group will be an attractive setting for a celebration vacation, (now a growing travel trend). Whatever the occasion, concierge teams can be hired to organise the finer details of a party. Private chefs can even be sourced to craft a personalised menu. As a result, every guest can sit back and raise a glass, while surrounded by azure waters or rolling hills in the background.

Wherever the destination for a celebration, most villas come with a large patio area for alfresco dining, a BBQ, and a swimming pool. So, everyone can dance the night away after tucking into top cuisine or swimming in the pool.

Know someone who’s planning a range of different trips this year? Travel Plus offers annual multi-trip policies for individuals, couples, and family members (aged 75 or under). Each who are planning adventures within 12 months. Protection is provided before and during each holiday/trip. Including cancellation and curtailment cover. Whether a trip is cancelled, delayed, or disrupted on route (to or from a destination), each policyholder can travel with peace of mind.

Luxurious cruise holidays

If a trip to more than one destination is on someone’s mind, a cruise holiday will provide. Travellers can enjoy docking at several destinations during a sea voyage. They can sit back and everything is taken care of by the ship’s team.

During each voyage, cultural tours can be booked for passengers to learn about a country’s true character. Youngsters may also find a thrilling waterpark to whizz around before joining their family on the sand.

Cover for a cruise holiday is available on a Travel Plus policy. To ensure a policyholder is travelling with Cruise Cover (section P) it must be purchased as an option with a single trip policy.

However, on Annual Multi-trip policies, Cruise Cover is included as standard. The policy will then cover the accidental loss, theft, or damage of formal cruise attire. Plus, cruise itinerary changes, if a scheduled port visit is cancelled and no alternative port can be offered.

Download and read the Travel Plus policy in full for all the details.

Suggest Travel Plus Travel Insurance for a luxurious holiday

Each Travel Plus Insurance Policy covers Grandmas and Grandpas (aged 75 and under), Mums, Dads, children, etc. Whether they have a pre-existing medical condition or not, everyone can travel with confidence together.

What’s more, with an Annual Multi-trip policy, if an insured adult has children under the age of 18 years old, they too can benefit from all the features and benefits of a Travel Plus policy when travelling independently. They just have to be accompanied by a responsible adult.

What is more, gadget insurance is included for the young and old alike who can’t be away from their tech for too long.

Travel Plus can provide generous cancellation limits. However, if the cost of a group trip exceeds the cancellation limit on a policy, we can provide further cancellation cover. Top Up My Cancellation Cover “tops up” the primary policy with anything up to £50,000 extra cancellation cover. Ideal for booked trips that cost more than the existing travel policy cancellation limit.

Don’t let your clients travel without insurance. It could be a costly mistake. Ensure everyone travels with confidence during a luxurious holiday. Remember to suggest that they take out a suitable travel insurance policy.



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