Travel Insurance Information

Single trip or annual multi-trip cover?

If you go away more than once a year, Premier annual multi-trip cover is the best value – and it includes Independent Traveller cover.

Premier or Standard?

Premier cover policies have the most generous cover limits. They also allow you to travel for longer, and offer benefits like our Personal Travel Assistant service. Standard cover is cheaper, but the cover limits aren’t as high as Premier, and you don’t get all the benefits.

Medical expenses

If you’re ill or have an accident, your medical expenses are covered up to £10 million with Premier cover.

Cancellation or curtailment

There are many reasons why a trip may be cancelled or cut short – bad weather, natural disaster, strikes, illness or injury. With our Premier and Standard policies, you can claim compensation for irrecoverable costs if your trip is affected (up to £6,000 with Premier Cover).

Independent Traveller cover

Many travel insurance policies don't cover cancellation due to British Foreign & Commonwealth Office (FCO) advice, insolvency of airlines or denial of boarding which is important cover if you've booked flights and accommodation separately (rather than through a tour operator) as you may not be covered by your tour operator either . Independent Traveller covers them all - and is included automatically with our Premier annual multi-trip cover.

Optional extra covers

For details on the limits that apply to each of these extra covers take a look at our Premier vs Standard Cover comparison.

Baggage – if your bags go missing or get damaged
Winter sports – covers ski/snowboard injuries, your equipment and even piste closure
Hazardous sports – this specialist cover includes mountaineering and scuba diving
Business travel – covers loss, theft or damage to business equipment
Golf – includes pre-paid green fees and public liability while driving a golf buggy
Wedding/civil partnership cover – protects your clothes and gifts on your special day

Personal accident

If you get badly injured on your trip, you can claim up to £50,000 compensation (up to £10,000 with Standard Cover, subject to age).

Replacement of lost or stolen items

Money, travellers cheque and documents like your passport and driving licence will be replaced if they’re lost or stolen (age limits apply).

Personal Travel Assistant – Premier policies only

You can use this service to help you with travel arrangements – and to book restaurants, organise tickets for events or send gifts home.

Online medical screening – Premier policies only

You don’t have to discuss existing medical conditions over the phone. Simply fill out the form online and we’ll try to arrange the extra cover you need.