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This additional cover will reimburse you for up to the amount shown in the schedule if your business equipment is lost, stolen or damaged, or misdirected or delayed in transit by more than (for example) 24 hours.

This additional cover can include items such as:

• winter sports equipment,
• winter sports equipment hire,
• ski pack (lessons, hire, lift pass),
• piste closure,
• and avalanche closure

Basic Cruise Cover

Basic cruise cover will cover you to be on board a cruise ship. It will cover medical evacuation from the ship and medical expenses occurred as a result from a visit to the ship’s doctor, however you won’t be covered for any ‘cruise specific’ extras or compensation payments e.g. missed excursions or cabin confinement.

Best Cruise Cover

'Best' cruise cover is designed to highlight the option to insure additional risks specifically associated with a cruise holiday. For example, the ‘best’ cruise cover policies usually include benefits payable for a missed port departure (where you need to catch-up with your ship if you weren’t able to re-board in time), cabin confinement (to prevent the spread of a virus to other passengers), unused excursions (missed due to illness), itinerary changes due to bad weather and cruise interruption as a result of requiring short term hospital attention. For full coverage details, please see your chosen insurers policy wording.

This will provide you with cover if you need emergency medical treatment whilst on a cruise holiday, need to be transferred to the mainland or if you need to be repatriated to the UK.

This is a typical explanation of this cover. You need to refer to the particular policy wording for your chosen insurer before proceeding with the purchase.

The insurer will reimburse you for the cost of emergency purchases, up to the maximum as shown in the schedule should personal possessions be delayed or lost in transit on the outward journey for more than (for example) 24 hours. Payments made under this heading are usually set against the amount of any claim arising if the personal possessions are permanently lost. You must supply receipts for the items purchased and confirmation from the carrier of the length of delay.

This is a typical explanation of this cover. You need to refer to the particular policy wording for your chosen insurer before proceeding with the purchase.

The insurer will reimburse you up to the amount as shown in the schedule in respect of loss of personal money which is the property of you and carried on your person or placed in a safety deposit box or similar locked, fixed receptacle. Cover for cash is limited to the cash limit as shown in the schedule.

What You Are Usually Not Covered For:

1. the excess as shown in the Schedule of Benefits, unless you have purchased the excess waiver;

2. claims arising for theft which have not been reported to any appropriate police authority within (for example) 24 hours of discovery and an official written report obtained;

3. claims for loss which have not been reported to any appropriate authority within (for example) 24 hours of discovery and an official written report obtained (and specifically for claims arising against or in connection with carriers and hotels, any claim not reported in writing to such carrier or hotel within (for example) 24 hours of discovery, and an official written report obtained);

4. claims arising from delay, detention, seizure or confiscation by Customs or other officials;

5. claims arising from shortages due to error, omission or depreciation in value;

6. claims arising for loss or theft of personal money which at the time of such loss or theft was located in checked-in luggage or an unattended motor vehicle at any time;

7. claims arising for personal money left unattended in a place to which the general public has access or left in the custody of a person who does not have an official responsibility for the safekeeping of the property including loss or theft occurring on a beach or in or around a swimming pool.

This is a typical explanation of this cover. You need to refer to the particular policy wording for your chosen insurer before proceeding with the purchase.

Cancellation for travel and accommodation expenses (including pre-booked ski pass and ski tuition fees where you have paid the appropriate additional premium for winter sports cover) paid or contracted to be paid by you in respect of your own trip (prior to any occurrence giving rise to a claim under this section) which are not recoverable.

Reasons for Cancellation:

a) Death, serious illness or serious injury, occurring during the period of insurance, to you, your travelling companion, a relative or close business associate of you or your travelling companion, or the person with whom you have arranged to stay whilst on the trip;

b) Your being called for jury service or witness call;

c) Your posting overseas or emergency and unavoidable requirements of duty in the Armed Forces, Police, Fire, Nursing or Ambulance Services;

d) Your Redundancy notified during the period of insurance which qualifies for payment under the Redundancy Payments Act;

e) Fire, flood or burglary at your home or place of business occurring or becoming apparent within (for example) 5 days prior to the commencement of the journey or holiday;

f) Your presence being required by the police following burglary at home or your place of business;

g) Cancellation or curtailment of any one component part or series of parts of the booked trip travel arrangements arising solely from the error, insolvency, omission or default, of each provider on which the performance of any other component part or series of parts of the itinerary depends.

An excess is the amount of any claim that you must pay first before the insurer steps up to pay the balance.

If the claim is for £5,000 and the excess is £250, you would pay £250 and the insurer would pay £4,750

Allows cover for travel to European destinations where the FCDO advise against all but essential travel.

• Extends emergency & medical repatriation cover^*
• Evacuation cover up to £1,000 for additional travel and accommodation costs^*
• No cover is provided for the reason the FCDO have advised against all but essential travel (e.g. Covid-19).

^*Subject to the policy excess, terms, conditions, limitations and exclusions – please see the policy wording for full details.

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