Free Spirit

For travellers of any age with medical conditions.

Travel Plus

Travel Insurance that gives you more.

Adventures

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.

Staycationplan

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.

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Awards

Our work has been recognised in some prestigious awards.

Our Team

The people who make P J Hayman what it is.

Contact

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

Free Spirit’s 5 Star Rating

Free Spirit’s 5 Star Rating

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Adventures

The policy for anyone with a thirst for adventure

Key Features

For almost any activity

Over 400 activities and occupations are covered, including some professional sports.

Single and Annual Policies

Choose between a single trip or any number of trips over an annual period.

Search and Rescue

Search & Rescue up to £50,000.

Work and Study Abroad

Ideal for anyone taking time away to work or study.

For Individuals and Groups

Perfect for group activity trips overseas – group discounts apply.

Adventures is a tailor-made insurance for almost any activity or occupation, including amateur sports, manual work, and hazardous pursuits. With a wide range of activities to choose, from Abseiling to Zorbing, Adventures travel insurance can cover you for any adventure and provide peace of mind travel.

You choose the cover that best suits your needs, including only the activities required. An Adventures policy assures you of a first-class claims and medical emergency assistance service. Professional Sports & Activities:

Wish to book that adventure of a lifetime?

For anyone who is 75 or under, cover is available for an extensive range of activities. These include winter sports, extreme expeditions, as well as work abroad. If you’re travelling with a group, perhaps planning an activity or off-grid survival holiday for a team, a 20% discount is available. Wherever your adventure leads, the freedom to travel with confidence with £50,000 search and rescue cover included for all.

Call us for more details on 02392 419 093 or get a quote today.

What’s Covered

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 page 2 of your policy wording.

Adventures provides 3 tiers of cover: Part A, Part B and part C. Part A can be taken in isolation and provides medical cover for activities not covered on a standard travel insurance policy. Part B can only be purchased with part A and part C may only be purchased with parts A & B.

Limit
Excess
Medical & Emergency Expenses
£10 million
£100
 Emergency Dental Treatment
 £300
 Nil
Hospital Inconvneience Benefit
£400 (£20 per day)
Nil
Search & Rescue Costs
£50,000 (£10,000 in home area)
£500
Personal Accident
£5,000
Nil
Personal Liability
£2 million
Nil (£200 property damage)
Activity Equipment
£1,000
£75
 Single items, pair or set limit
 £600
 Nil
Delayed Activity Equipment (over 12 hours)
£200
Nil
Activity Equipment Hire
£300
Nil
Legal Expenses
£25,000
Nil
Curtailment
£2,000
£100
Limit
Excess
Possessions, Personal Effects, Money & Documents
Personal Possessions
£2,000
£75
 Single item, pair or set limit
£300
 Valuables Limit
£300
Delayed Possessions (over 12 hours)
£200
Nil
Loss of Personal Money
£300
£75
Loss of Travel Documents (inc. Passport)
£1,000
£75
Cancellation, Loss of Deposit or Curtailment
£5,000
£100 (£25 loss of deposit)
Unexpected Events
Travel Disruption (costs ot reach destination)
£1,000
Nil
Travel Delay
£120 (£30 each 12 hours)
Nil
 or
Abandonments (after 12 hours delay)
£5,000
£100
Limit
Excess
Optional Independent Traveller
 Extended Cancellation or Curtailment
£5,000
£100
 Extended Travel Delay
£120 (£30 each 12 hours)
Nil
 Extended Travel Disruption (costs to reach destination)
£1,000
Nil
 Accomodation
£5,000
£100

Eligibility & Restrictions

Eligibility

Adventures is available to people aged up to 75 years or under at the time of taking out this insurance. They must be registered with a medical practitioner and permanently resident in the United Kingdom including Channel Islands and Isle of Man.

Age Limits

Adventures policies are available to those up to age 75. However, there are some additional trip limits for travellers aged 65 and above. Please see the trip limits tab for more information.

Trip Limits

Single Trip

There is a limit of 6 months (limited to 3 months for ages 65-69 and 31 days for ages 70-75)

Annual Trip

For those taking two or more trips during the year, purchasing an annual policy allows you to travel as many times as you wish throughout a 12-month period. There is a maximum annual multi-trip limit of 60 days for each trip (limited to 31 days for ages 70-75 years).

Participating in sports on a non-professional basis

All sports are covered on a non-professional and non-competitive basis unless otherwise stated.

We consider ‘professional’ to be activities or sports where you are either paid for participating in, or receive any element of sponsorship, fees, or prize money in excess of £500.

Frequently Asked Questions

There follow some commonly asked questions to give you more information about Adventures Insurance and the cover offered. If you have a question that is not answered below, please reach out using the options on the contact us page.

General
Single Trip
Annual Multi-trip
Policy Options
What activities do you cover?

Adventures Travel Insurance covers a very wide range of activities from Abseiling to Zorbing. Click here for activities we are able to cover. Should your activity not appear on the list please call us on 02392 419 093.

Who is eligible for Adventures Travel Insurance?

The policy is available to people aged 75 years or under who are registered with a medical practitioner and permanently resident in the United Kingdom (England, Scotland, Wales, Northern Ireland, Channel Islands and the Isle of Man).

Is there an age limit?

Cover is available to people aged 75 years or under. If you are aged over 75 please call us on 02392 419 093.

Single Trip
For individual trips of up to 6 months continuous cover (maximum 3 months for ages 65-69 years or 31 days for ages 70-75 years).

Annual Multi-trip
For any number of trips throughout the year (maximum 60 days per trip - limited to 31 days for ages 70-75 years).

Who are the insurers?

Adventures is underwritten by Endurance Worldwide Insurance Limited. They are a wholly owned subsidiary of Sompo International Holdings Ltd. Endurance Worldwide Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

This can be checked on the Financial Services Register by visiting www.fca.org.uk.

Can you cover groups?

We can cover groups of any number, with discounts of up to 20% available depending on size.

If you are arranging a trip for a group of up to 10, you can get a quote online. For groups of 11 or more, please call us on 02392 419 093 .

What is the maximum duration?

The maximum duration of any individual trip is 6 months (although for persons aged 65-69 years the maximum trip duration is 3 months).

Can I increase the cancellation policy limit on Single Trip cover?

If you select Part B you will be covered up to £5,000 per person for travel, accommodation and pre-paid activity course fees should you find it necessary to cancel, curtail or abandon your holiday/trip. These limits cannot be increased. However, if you require top up cover for cancellation for your travel or accommodation, please call us on 02392 419 093.

What are the advantages of Annual Multi-trip travel insurance?

If you are making several trips a year, Annual Multi-trip cover is usually the most cost effective option. For a single premium you will be covered for any number of trips throughout the year up to a maximum of 60 days each trip.

Please note: a trip must involve pre-booked accommodation or travel unless it is a ‘one-off’ event taking place on a single day.

How many times can I travel and how long can each trip be?

The Annual Multi-trip policy covers you for an unlimited number of trips throughout the year up to a maximum of 60 days each trip.

Please note: a trip must involve pre-booked accommodation or travel unless it is a ‘one-off’ event taking place on a single day.

Am I covered for trips in the UK?

Trips in the UK, Channel Islands and the Isle of Man are covered.

A trip must involve pre-booked accommodation or travel unless it is a ‘one-off’ event taking place on a single day.

If I am abroad can I extend the 'maximum duration any one trip' limit provided by my Annual Multi-trip policy if I decide to stay longer?

No, we are unable to extend cover beyond the maximum duration limit.

What is family cover?

A family premium is available for Annual Multi-trip cover, for you and your husband/wife/civil partner or partner who are aged 64 years or under at the time of purchasing the policy (and have co-habited for at least 6 months), plus your unmarried, dependent children (including fostered or adopted), all aged under 18 years at the time of purchase of the policy. Independent travel allowed by you and your husband/wife/civil partner or partner but not your children.

Is there a limit for my activity equipment?

Part A includes cover for specialist Activity Equipment up to £1,000 per person with a single item limit of £600.

Can I increase the cancellation policy limit on Single Trip cover?

If you select Part B you will be covered up to £5,000 per person for travel, accommodation and pre-paid activity course fees should you find it necessary to cancel, curtail or abandon your holiday/trip. These limits cannot be increased. However, if you require top up cover for cancellation for your travel or accommodation, please call us on 02392 419 093.

Important Information

Please note that the information below applies to policies purchased from the 1st February 2024. For any policies purchased prior to this, you can find all of the relevant information and documents on the Adventures archive page.

Emergency Assistance

If urgent assistance is required, the Healix Medical Assistance team is available on Tel: +44 (0) 208 608 4254 (or Email: PJHaymanSompo@healix.com).

Callers should quote 'Adventures Travel Insurance' when connected to an operator.

The service is open 24 hours a day, 365 days a year. The call operators are highly trained and can advise on all aspects of assistance, making arrangements for hospital admission, repatriation and medical expenses.

Each operator is a medical specialist who can liaise with doctors and arrange repatriation if medically necessary.

Claims Notification

If you require a claim form, please contact:

Claims Department
P J Hayman & Company Limited
Stansted House
Rowlands Castle
Hampshire
PO9 6DX

Telephone: 02392 419 895

Email: claims@pjhayman.com

You should quote ‘Adventures Travel Insurance’ in all communications until you recieve your unique reference number.

Documents

Please note that the documents below are valid to policies purchased from the 1st February 2024. For any policies purchased prior to this, you can find all of the relevant information and documents on the Adventures archive page.