Find out more about our cruise specific benefits available with Free Spirit and Travel Plus.
Travel Insurance to cover for those people who are travelling solo.
We can cover most pre-existing medical conditions and disabilities.
P J Hayman’s range of travel insurance solutions to cover high risks.
Several of our policies cover a range of activities as standard, find out more here.
We have policies that can provide travel insurance for UK only trips.
P J Hayman is shortlisted For Two Categories in the National Insurance Awards The P J Hayman team is excited to announce that they're on the shortlist for two categories in the 2026 National Insurance Awards, which will take place on Wednesday 25th March at the London...
Free Spirit's Super Duper Cover is Rated 5 Stars by Defaqto What is a Defaqto rating? You may have seen Defaqto mentioned when looking at insurance, or you’ve seen them featured in news articles. Defaqto is one of the most trusted sources for information on the...
P J Hayman's Broker Christmas Competition Broker Christmas competitions are what we love to run in the lead up to the Yuletide festivities, to engage with brokers near and far. Our competitions are open to all brokers up and down the country. Whether you’ve been...
Receive cover for cruise specific benefits such as ship-to-shore repatriation, missed embarkation and more.
With a Free Spirit single-trip policy, we can cover a cruise up to 115 days in duration. Or up to 94 days on Travel Plus.
Travel Plus has an age limit of 75, while Free Spirit has no upper age limit for most destinations.
We can provide cover for most medical conditions on Free Spirit, and minor conditions on Travel Plus.
Those taking out or named on a policy must be resident in the United Kingdom (England, Wales, Scotland and Northern Ireland) the Channel Islands, or a BFPO area.
Travel Plus cover is available up to and including the age of 75.
Free Spirit has no upper age limits for most destinations.
Travel Plus:
The maximum single trip duration is 94 days.
An annual multi-trip policy allows an unlimited number of trips during the term of the cover. Each trip is limited to:
Free Spirit:
The maximum single trip duration is 115 days (or 45 days if you are aged 76 years or over)
An annual multi-trip policy allows an unlimited number of trips during the term of the cover. Each trip is limited to:
If your travel is longer than these limitations, please call us on 02392 419 070.
The following tables reflect a summary of cover available on the policy. You can find full cover detail, including definitions, terms and conditions, on your policy wording. We recommend reading this document prior to taking out cover and referring to it when the need arises during the duration of your cover.
Free Spirit cruise is arranged in two cover levels: Gold and Platinum.
Gold
Platinum
£4,000
£8,000
£7,500,000
£10,000,000
£1,000
£1,500
£1,500
£2,500
£500
£750
£250
£500
£100,000
£100,000
£250,000
£250,000
£250
£500
£250
£500
£2,000
£3,000
£1,000
£2,000
£250
£500
£1,000
£1,500
£1,000
£1,500
Please note that the following tables reflect a summary of cover available on the policy. You can find full cover detail, including terms and conditions, on your policy wording.
Travel Plus offers the choice of two distinct cover levels: Premier and Premier Plus. In each, cover is structured in sections A to P. Sections O and P are additional levels of cover, available as standard on Annual Multi-trip policies, or an option on Single Trip policies, subject to an additional premium.
Please use the tabs to explore different sections of cover.
