About your trip

Single TripCover for a single trip starting in the UK and ending in the UK.

Annual Multi TripAnnual cover for any number of trips starting and ending in the UK (limited to a maximum number of days for each trip unless a trip extension additional cover is purchased.)

UK England, Scotland, Wales, Northern Ireland and the Isle of Man.

EUROPE 1 Albania, Andorra, Austria, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Channel Islands (Guernsey, Jersey, Alderney and Sark), Corsica, Croatia, Czech Republic, Denmark (inc. Faroe Islands), Estonia, Finland, France, Germany, Gibraltar, Holland (Netherlands), Hungary, Italy, Kosovo, Latvia, Lithuania, Luxembourg, Moldova, Monaco, Montenegro, North Macedonia, Poland, Portugal (inc. Azores), Republic of Ireland, Romania, San Marino, Sardinia, Serbia, Slovakia, Slovenia, Sweden, Switzerland, Ukraine, Vatican City.

EUROPE 2 Those countries listed above in 'EUROPE 1' and including: Cyprus, Greece (including Greek Islands), Iceland, Liechtenstein, Madeira, Malta, Norway, Russia (West of Urals), Spain (including Balearic and Canary Islands) and Turkey.

AUS/NZ Australia and New Zealand.

WORLDWIDE EXCLUDING Anywhere in the world excluding the United States of America, Canada, the Caribbean and Mexico.

WORLDWIDE INCLUDING Anywhere in the world.

Single TripCancellation cover starts when You purchase this insurance or when You book Your Trip, whichever is the later.

Annual Multi TripCancellation cover begins on the start date you choose or, if later, when you book your trip.

Travel insurance policies may differ in their exact wording but generally a medical condition may be any of the following.

• If you've had any recurrent or chronic conditions
• If you've previously sought or recieved treatment for a condition
• If you've been in hospital as an in-patient
• If you've currently or have been taking medication for a condition
• If you've had surgery

This list is not exhaustive and if you are unsure please use the screening service which is completely free and designed to ensure you obtain the cover you need.

Cruise There is no cruise cover provided under any section of the policy, unless cruise cover (above) is selected and an additional premium paid.

Golf This provides protection to your golf equipment which is up to three years old should it be lost, stolen and/or damaged in any one incident and will be reimbursed up to the amount shown in the schedule of benefits. (See Policy Wording for full terms).

Travel Disruption Cover for travel disruption offers you protection if your departure is significantly delayed, if alternative travel plans need to be made, or if you are unable to use part of your travel and/or accommodation bookings. Full terms can be found in the Policy Wording.

Airline Failure Scheduled airline failure insurance (sometimes known as Safi) gives you protection if the airline you are due to fly with goes out of business before your trip. If an airline goes bankrupt, Safi cover can help to cover the cost of new travel arrangements‚ such as the fees for a replacement flight home -, or recover lost flight costs if you have to cancel your plans.

Winter Sports For single trips you are covered when taking part in winter sports if you have paid the additional premium. For annual multi-trips there is a limit of 17 days winter sports cover per policy year. It will cover your participation in a number of winter sports such as air boarding, downhill skiing, on a non-competitive and non-professional basis, subject to the terms and conditions of the policy. The full list can be found in the policy wording. If you have any queries regarding cover for a particular activity, please contact us.

Business It covers any equipment you use for your business, trade or profession, as declared to the insurers and used for the sole purpose of your business trip but not for the purposes of manual work will be covered subject to the policy terms. (See Policy Wording for full terms).

Individual Between 1 and 8 individuals travelling who are not a couple or family.

Couple You and your spouse/common law partner liviing at the same address.

Family You, your spouse/common law partner living at the same address, and/or yours or their dependent children, foster children, legal wards, or grandchildren under 18 years old of age (in full-time education and /or residing with them)

Group Between 2 and 8 individuals can travel on a policy together, they do not need to reside at the same address.

Young Person Travelling Alone Individual young person policy (travelling with a responsible adult)