P J Hayman & Company Ltd
Travel Insurance & Scheme Specialists

Celebrating 25 Years



Annual travel insurance for business travellers.


Business travellers both individual and companies requiring a wide-ranging and competitive travel insurance package.


Available to UK, Isle of Man and Channel Island residents.

UK is defined as – England, Scotland, Wales and Northern Ireland

Channel Islands is defined as – Jersey, Guernsey, Sark, Alderney and Herm


75 years at the start date of your policy.


AWP P&C SA and administered in the UK by Allianz Global Assistance.


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 Insurance Policy for further details.


  • 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
  • Journey Disruption including airspace closure up to £5,000
  • Legal Expenses up to £50,000


Leisure only trips up to 45 days duration can be included by paying an additional premium – your family will be automatically covered (cover for your Directors/Principals – which includes the Owner, Chairman, Managing Director or Executive Director of your Company – will be offered FREE of charge).

Note: A limit of up to £2,500 per person applies to Cancellation, Curtailment, Abandonment cover or Journey Disruption including airspace closure .


  • 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


There are two 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.

Insurance Premium Tax: Applied at current rate.


Brokers and Agents:

Please complete an Application Form and return it to us via post, email or fax. Alternatively, call 02392 419 050 Mon to Fri 9am – 5pm.

Direct customers:

Please complete an Application Form and return it to us via post, email or fax. Alternatively, call 02392 419 050 Mon to Fri 9am – 5pm.

Last updated: 6th September 2019.


With over 25 years experience in travel insurance, we have created specific products to cater for specific needs. Whether you require cover for a medical condition, hazardous activities, round the world trip, Gap year, etc., we have a policy for you.


As schemes specialists, we are able to provide some unique products; these currently include: ‘Top-up’ Cancellation cover; Euro Plus (breakdown cover for people travelling to Europe); and PJH Worldwide for those who have already travelled and expats.


We have a range of facilities to cover companies; ranging from Group Personal Accident and Travel to Liability cover for Tour Operators. Specific products include: Business; Coach Plus Breakdown; Coach Plus Driver; and SAFI.

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Annual travel insurance for business travellers.