Annual Travel Insurance

Underwritten by Antares at Lloyd’s.

Lloyd’s is the worlds specialist insurance market. Also known as Lloyd’s of London; it is a market where members join together as syndicates to insure risks.

With expertise earned over centuries, Lloyds is the foundation of the insurance industry and the future of it. Led by expert underwriters and brokers who cover more than 200 territories, the Lloyds market develops the essential, complex and critical insurance needed to underwrite human progress.

  • Available Cover Options/Destinations

    Area of Travel Options
    Europe only With or without baggage cover
    Worldwide – excluding USA/Canada With or without baggage cover
    Worldwide – including USA/Canada With or without baggage cover

    Insured Persons

    Options available Cover provided for
    Individual Adult An individual person aged 18 to 75 years
    Couple 2 adults aged 18 to 75 years in a relationship, living together
    Family Cover 2 adults in a relationship and all dependent children or grandchildren under the age of 18 years or 23 years if in full time education.

    Maximum Trip Duration

    Options available Cover details
    60 days Cover is provided for the period of insurance provided no individual trip lasts longer than the chosen Maximum Trip Duration. If the trip is not completed within the Maximum Trip Duration due to circumstances outside of the insureds control, cover will continue for a maximum of 30 days at no addition premium.
    90 days

    Cover Limits

    Policy Section Standard Policy Limits
    Section 1 – Cancellation & Disruption £5,000
    Missed Departure £500
    Travel Delay £20 for the first 12 hours – Maximum £100
    Alteration of Itinerary £1,500
    Medical, Repatriation and Other Expenses £10,000,000
    Hospital Inconvenience £25 per day – Maximum £1,500
    Funeral Expenses £5,000
    Personal Accident

    1. Accidental Death
    2. Loss of one limb or one eye
    3. Loss of two limbs or both eyes or one limb and one eye
    4. Permanent Total Disablement
    Section 4 – Baggage and Personal Effects (Optional Extra) £2,000
    Any one item £300
    Valuables £300
    Delayed Baggage £400
    Section 5 – Money Travel Documents and Credit Cards £300
    Section 6 – Legal Expenses £30,000
    Personal Liability £2,000,000
    Section 7 – Hi-jack and kidnap £30 per day – Maximum £500
    Section 8 – Mugging benefit £200
    Section 9 – Scheduled Airline Failure £1,500

    Standard Policy Excess Amounts

    Policy Section Excess Amount
    Standard Policy Excess (Section 1,2 4& 5) £75
    Section 6 – Legal Expenses and Personal Injury £100
    Section 9 – Scheduled Airline Failure £50
    Section 3, 7 & 8 Nil

    Over 65 Policy Excess Amounts

    Policy Section Europe Worldwide including USA/Canada Worldwide Excluding USA/Canada
    Section 1 – Cancellation & Disruption £100 £200 £300
    Section 2 – Medical, Repatriation & Other Expenses £100 £150 £250
    For all other policy sections the excess for over 65’s is as per the standard policy excess amounts table above.

  • Claims Procedures – How to Make a Claim

    Medical Assistance Notification
    In the event of Illness or Injury during Your Trip which results in You needing hospitalisation or emergency medical treatment, You must notify Our Medical Assistance company, CEGA Group on:

    Telephone: 01243 621113

    For all other claims, You should notify Your claim as soon as practicable but no later than ninety (90) days after an Injury to Our Claims Administrator, at the following address:

    Roger Rich & Co
    2a Marston House, Cromwell Park
    Chipping Norton, Oxfordshire
    OX7 5SR

    Telephone: 01608 641351
    Fax: 01608 641176

    Our Claims Administrator will promptly send You a Claim Form once contact is made. If You encounter any issues with this process, You should contact Your Insurance Intermediary who sold You this Policy (whose contact details will appear on their correspondence sent to You).

    Your Insurance Intermediary will be able to assist You with making the claim and any further issues that may arise. 

Product Downloads

  • Policy Wording

    A PDF copy of your full policy terms & conditions

    View Download
  • Insurance Product Information Document (IPID)

    A PDF summary of the policy features

    View Download

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