Travel insurance that offers more!
Now includes COVID-19 Protection
This policy provides cover for claims as a result of pandemic and/ or epidemic, including but not limited to Coronavirus (Covid-19) within the following sections:
• Section 1 – Emergency Medical Expenses (due to COVID-19)
Our policy provides cover for Emergency Medical expenses if an insured person contracts Coronavirus whilst abroad.
• Section 4 – Cancelling & cutting short your trip
If it is necessary and unavoidable to cancel or cut short your trip because an insured person tests positive for Coronavirus within 14 days of your trip departure date, or is admitted to hospital due to testing positive for coronavirus after the purchase of this policy.
Individuals and families requiring good levels of travel insurance cover for their holiday/trip.
3 levels of cover to choose from – for those looking for the highest levels of protection, Premier Plus is available on both Single Trip and Annual Multi-trip policies and includes:
- Provides cover if an insured has to cancel due to being taken ill with COVID-19 **
- Emergency medical assistance & expenses up to £10,000,000
- Cancellation & cutting short a trip up to £10,000
- Cancellation Cover and emergency and medical expenses INCLUDE COVID-19 Protection**
- Baggage up to £3,000
- Personal money up to £1,500
- Extended journey disruption
- Gadget cover up to £1,500
** Please see the insurance policy for full Terms, Conditions and Exclusions.
Children can travel independently from the insured adults on a Premier or Premier Plus policy if they are under the age of 18 years and have the permission of their parent and/or guardian and are accompanied by a responsible adult e.g. on a school trip.
Note: we cannot cover unaccompanied children.
End Supplier Failure – provides cover up to £2,500 on Premier & Premier Plus in the event the holiday/trip has to be cancelled due to the financial failure of your airline, travel or accommodation provider and you are unable to recover your pre-booked travel and accommodation costs elsewhere.
Extended Journey Disruption (automatically included with Premier and Premier Plus) – cover for cancellation or additional expenses due to disruption caused by a natural disaster such as a volcanic eruption.
Gadget cover (automatically included with Premier & Premier Plus) – provides up to £1,000 (Premier) or £1,500 (Premier Plus) for theft, accidental damage, loss, breakdown, and unauthorised call/data use for your gadgets including: handheld consumer electronic devices such as mobile phones, tablets, iPads, kindles, satnavs, cameras, lenses, camcorders, smartwatches, smart glasses, head-mounted displays, handheld games consoles, portable DVD players, headphones, wireless speakers, MP3 players, iPods, and laptop computers (laptops are not covered for accidental loss and there is no cover provided under this section for drones), purchased as new in the UK or, in the case of refurbished items, not purchased directly from the manufacturer or network provider in the UK. Any device that was purchased as second hand or used, that is not a refurbished device that was sold with a minimum 12 month warranty; that is no more than 48 months old at the start date of your trip.
Dedicated ‘Cruise’ cover (automatically included on Annual Multi-trip Premier and Premier Plus, available as an option with Single Trip Premier and Premier Plus at an additional premium) – provides additional cover for missed embarkation following delay in travel; cancellation of a scheduled port visit following a change in cruise itinerary due to adverse weather or a change in timetable; cabin confinement following your illness, the hire or purchase of formal cruise attire should your baggage be delayed by over 8 hours, additional emergency medical assistance and expenses including ship to shore repatriation where medically necessary, and unused shore excursions due to being confined to bed.
‘Business’ cover (available as an option on Premier and Premier Plus at an additional premium) – provides cover whilst travelling for your business or occupation. Includes hire or purchase of business equipment should yours be lost, stolen or delayed and replacement staff cover in the event of your illness.
Travel Consumer Dispute – provides up to £10,000 with Premier (up to £50,000 with Premier Plus) for professional fees to pursue a compensation claim against a tour operator, travel agent, pre-booked car hire company, travel or accommodation provider.
Emergency cattery/kennel costs – cover for emergency boarding expenses for cats or dogs up to £500 if the return home is delayed because of illness or injury.
A wide range of activities are automatically covered under Travel Plus with Activity Pack 1. Additional activities (Activity Packs 2 – 4) may be covered on payment of an additional premium. Click here for further details.
Winter Sports cover is automatically included on Annual Multi-trip Premier and Premier Plus providing cover up to a maximum of 21 days (Premier) and up to a maximum of 45 days (Premier Plus) during the policy period.
It is available as an option at an additional premium with Single Trip Premier and Premier Plus.
EXISTING MEDICAL CONDITIONS
An online medical screening service is available during the quote process for those who have an existing medical condition. In some cases an additional premium may be required. Alternatively, please call us 02392 419 044. We are open Monday to Friday 9am – 5pm, closed bank holidays.
On the date cover commences you must be aged:
65 years or under at the date you purchase the policy for Essential cover
75 years or under at the date you purchase the policy for either Premier or Premier Plus.
If you are aged over 75, you can get a quote via our Free Spirit product that has no upper age limit.
On the date cover commences you must be aged:
65 years or under at the start date of the policy for Essential cover
75 years or under at the start date of the policy for Premier and Premier Plus cover.
The maximum duration of any single trip is 94 days.
Note: If cover is required for longer periods, please go to our Longstay product which provides cover for single trip travel for periods up to 18 months.
You can take an unlimited number of trips in a 12 month period.
Each trip you take must not be longer than:
– 24 days on Essential cover.
– 35 days on Premier cover.
– 60 days on Premier Plus cover (35 days if you are aged 70 years and over at the start date of your policy).
Available to UK residents who, at the time of buying their policy, have their main home in the UK and have lived in the UK for at least 6 months or hold a valid British residency permit or visa or are a British member of Her Majesty’s Armed Forces stationed overseas and are registered with a UK medical practitioner and are liable to pay taxes in England, Scotland, Wales or Northern Ireland.
You must also have been in the UK for a minimum of 6 months in the year prior to purchasing your insurance policy and you are in your home area at the time of purchasing this policy. Any trip that has begun when you purchase this insurance will not be covered.
Note: UK is defined as: England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.
Cover under sections 1 to 12 and 14 to 16 is underwritten by Syndicate 1084 at Lloyd’s, managed by Chaucer Syndicates Limited.
Chaucer Syndicates Limited is authorised by the Financial Conduct Authority, regulated by the Prudential Regulation Authority.
Registered in England and Wales No.184915.
Financial Services Number 204915.
Registered Office: Plantation Place, 30 Fenchurch Street, London, EC3M 3AD.
For section 13 this insurance is underwritten by Liberty Mutual Insurance Europe SE and provided by International Passenger Protection Ltd.
Registered Office: IPP House, 22-26 Station Road, West Wickham, Kent BR4 0PR.
Registered in England 2498563.
Authorised and regulated by the Financial Conduct Authority.
For section 17 this insurance is administered by Bastion Insurance Services Ltd and underwritten by Inter Partner Assistance S.A. UK Branch, with a registered office at 106-118 Station Road, Redhill, RH1 1PR is a Branch of Inter Partner Assistance S.A. (Financial Conduct Authority registration number 202664), which is a Belgian firm authorised by the National Bank of Belgium under number 0487. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. Inter Partner Assistance S.A. is part of the AXA Group. Bastion Insurance Services Ltd are authorised and regulated by the Financial Conduct Authority. This can be checked on the Financial Services Register at www.fca.org.uk/firms/systems-reporting/register or by contacting them on 0800 111 6768.
For section 18 this insurance is administered by Legal Insurance Management Ltd (552983) and underwritten by Royal & Sun Alliance Insurance plc (202323).
Both are registered in the UK and authorised and regulated by the Financial Conduct Authority.
Please see the Insurance Policy for full Insurer details.
HOW TO APPLY
Brokers and Agents:
Or call 02392 419 050 Mon to Fri 9am – 5pm.
Or call 02392 419 044 Mon to Fri 9am – 5pm.
Last updated: 26th March 2021.
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.