Travel insurance policy optional covers

Extended cover for cancellation and abandonment due to:

• The Foreign, Commonwealth & Development Office advising you against all or all but essential travel to your destination
• A strike or industrial action, on your departure date, causes your pre-booked transport to be cancelled (within 31 days before you leave)
• A natural disaster renders your holiday accommodation uninhabitable

Unfortunately, we won’t be able to cover you if you decide to travel against the advice of the Foreign, Commonwealth & Development Office (FCDO). You also won’t be covered for anything that had occurred, or was expected to occur, or if you knew, or could reasonably be expected to have known about it, at the time you take out your policy or book your trip.

Extended cover for cancellation, and for enforced stay abroad, due to:

• The airspace, airport or port being closed
• Your flight being cancelled due to volcanic ash

and there is no suitable alternative transport available for more than 24 hours from the time of your scheduled departure.

Unfortunately, we won’t be able to cover you if you decide to travel against the advice of the Foreign, Commonwealth & Development Office (FCDO). You also won’t be covered for anything that had occurred, or was expected to occur, or if you knew, or could reasonably be expected to have known about it, at the time you take out your policy.

Covers your personal belongings and baggage during your trip if they're lost, stolen or damaged:

Limits are per person per trip

• Up to £1,500 per person per trip (with a £100 excess per person per incident)
• Single item limit of £400
• Total valuables limit of £400 per person

Remember, we aren’t able to pay any claims where you’ve left baggage or belongings deliberately unattended, or where you haven’t reported the event to the police within 24 hours of discovery, or as soon as reasonably possible.

If you’re planning on hitting the slopes, this cover gives you extra protection while you’re taking part in certain winter sports activities. Limits are per person per trip.

• Winter sports equipment up to £500 per person (with a £100 excess per person per incident). This excess is also only for the customers own winter sports equipment. No excess is applied for hired equipment which has a limit of £400
• Avalanche delay up to £200
• Piste closure £30 daily limit up to £300
• Inability to take part due to illness or accidental injury £20 daily benefit up to £200
  

Unfortunately, we can’t cover claims where you’ve had your equipment taken from a motor vehicle or where you’ve taken part in an activity that’s not listed on your schedule.

Remember that to claim for any theft, you must report the incident to the police within 24 hours of discovery, or as soon as reasonably possible.

Cover for your clubs and equipment if they are lost, stolen or accidentally damaged. We’ll even cover your own golf clubs and equipment non-refundable green fees if you’re ill or injured and unable to play golf. All limits are per person per trip.

• Cover for your own golf clubs and equipment up to £1,500 per person, per trip (with a £100 excess per person, per incident)
• Hired equipment covered up to £250
• We'll refund your green fees up to £250 if you're not able to play due to injury or illness
  

Unfortunately, we can’t cover claims where you’ve had your equipment taken from a motor vehicle or where you haven’t reported the event to the police within 24 hours of discovery, or as soon as reasonably possible.

You’re already covered for diving up to 15m (if you are qualified) in depth, but with this optional cover, this is extended to 30 metres (as long as you are qualified and accompanied by a qualified diving instructor).

Cover applies to recreational scuba diving up to a total of 31 days.

Unfortunately, you’re not covered for technical diving (for example free diving or cage diving). You must be accompanied by a qualified diving instructor or dive master, and follow all the safety guidelines while diving.