What is insured?

• The policy covers up to the following:
• If you need emergency medical treatment £10m
• If you have to cancel your trip or need to come home early £5,000
• If you suffer death or injury following an accident £25,000
• If your possessions are lost stolen or damaged £2,000
• If your cash or passport is lost or stolen £500
• If you are legally liable for injury or damage £2m
• If your baggage is delayed £400
• If you are hospitalised, mugged or hijacked £1,000
• If you miss your final international departure from the UK or back to the UK £1,000
• If your pet documentation is lost or stolen £500
• If you are forced to move from your accommodation following an emergency £500
• If your end supplier fails £5,000
• Costs for legal action following an accident which causes your death or bodily injury £50,000
• Telephone legal advice

You can add the following optional covers to the policy:

1. Winter Sports Extension
2. Golf Cover Extension
3. Sports Equipment Extension

What is not insured?

• Excesses apply and are shown in the policy documentation. You are responsible for paying this amount in the event of a claim
• Existing medical conditions that you haven’t told us about, or existing medical conditions that you have told us about but which we have not agreed to cover
• Events or situations you know about before taking out a policy or booking a trip which could mean you can’t travel or have to cancel or curtail your holiday
• You taking part in activities unless those activities are stated as covered in your policy documentation
• Trips which have begun before your policy start date
• Claims caused by alcohol, drugs or substance abuse
• Natural damage (e.g. wear and tear or from weather)
• Any person 66 years old or over
• Mobile phones
• Travelling to a country unless covered under the area of travel shown on your policy certificate
• Personal belongings, money, documents and valuables left unattended
• If a tour operator, travel agent or package holiday provider fails
• Legal expenses – Costs incurred before the claim has been accepted
• There is no cover for any participant to another participant or spectator liability whilst playing or training

This will depend on your needs – the cover you chose is shown on your policy schedule. You will need to refer to your policy document for the full definitions:

1. Area 1 – England, Scotland, Wales, Northern Ireland, the Isle of Man, Europe, Channel Islands, Egypt, Israel, Tunisia and Turkey
2. Area 2 – Worldwide excluding USA, Canada, Mexico, Caribbean Islands and Bermuda
3. Area 3 – Worldwide

Where am I covered? What are my obligations?

Should this policy not meet your requirements please return the documentation to your broker who provided the insurance within 14 days from date of purchase or renewal of the policy or the day you received your policy documentation, whichever is later. Provided that you have not travelled and no claim has been made or is intended to be made and no incident has occurred that is likely to result in a claim you will receive a premium refund and the policy will be treated as though it had never existed.

After the expiry of your 14 days statutory cooling-off period you continue to have the right to cancel your policy at any time but without the right to a refund of premium.

Please contact the insurance broker you purchased the policy from or:
Insurance Administration Services Telephone: +44 (0) 1623 683 586
How do I cancel the contract?