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
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
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 £10,000 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
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.
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.