Summary of Cover

For the Single Trip and Annual Multi-Trip Travel Insurance Certificate

Section	Description	Sum Insured Per Trip	Excess
1a	Cancellation or curtailment	Up to £3,000 in all	£85
1b	Missed Departure/Diversion	Up to £1,000 in all	Nil
1c	Travel Delay and Inconvenience	£20 for the first 12 hour period, £10 each subsequent 12 hours up to £100 in all	Nil
1d	Alteration to Itinerary	Up to £1,000 in all	£85
2a	Medical Treatment and Repatriation Expenses	Up to £5,000,000 in all	N/A
2b	Hospital Benefit	£15 per day up to £600 in all	Nil
2c	Emergency Repatriation	Up to £1,500 in all	£85
2d	Funeral Expenses	Up to £5,000 in all	£85
3	Personal Accident Loss of one limb or one eye Loss of two limbs or both eyes or one limb and one eye Permanent Total Disablement Death Benefit (aged 17 - 65) Death Benefit (aged under 16 at the date of accident) Death Benefit (aged 66 or over at date of departure)	Max Benefit £25,000in all £25,000 £25,000 £25,000 £15,000 £5,000 £5,000	N/A
4a	Legal Expenses	Up to £10,000 in all	£85
4b	Personal Liability (including Legal Fees)	Up to £2,000,000 in all	N/A
5	Catastrophe Cover	Up to £1,000 in all	N/A
Sections 6 & 7 are only covered if you have paid the appropriate premium and is shown as covered on Your Schedule of Insurance
6	Personal Effects & Baggage Single Item,Pair or Set Limit Valuables Limit in Total	Up to £2,000 in all £200 £200 in all	£85
	Delayed Baggage	£75 per 24 hours up to £150	Nil
7	Money, Travel Documents and Credit Cards Cash Limit Cash (aged under 18) Travel Documents	Up to £500 in all £250 in all £100 in all Up to £150 in all	£85

Winter Sports Cover Only covered if you have paid the appropriate additional premium and is shown as covered on Your Schedule of Insurance
8 8a(i) 8a(ii)	Ski Equipment and Other Expenses Equipment Owned Single Item Limit Ski Hire	£600 in all £200 per item £25 per day up to £300 in all	£85
8b	Ski Pack	£25 per day up to £300 in all	Nil
8c	Piste Closure and Avalanche Closure	£20 per day up to £200 in all	Nil

Business Cover Only covered if you have paid the appropriate additional premium and is shown as covered on Your Schedule of Insurance
9a 9a(i) 9a(ii) 9a(iii)	Business Equipment and Other Expenses Business Equipment Single Article Limit Samples Business Equipment Delay Emergency Courier Expenses	£1,000 in all £500 per item £500 per item £50 per 24 hours up tp £200 in all £200 in all	£85
9b	Business Equipment Hire	£50 per 24 hours up to £500 in all	Nil
9c	Business Money Cash Limit	£1,000 in all £500 in all	£85

Golf Cover Only covered if you have paid the appropriate additional premium and is shown as covered on Your Schedule of Insurance
10a	Green Fees	£75 per day up to £300 in all	£85
10b	Golf Equipment Single Article Limit	1,500 in all £250 per item	£85
	Golf Equipment Hire	£20 per day up to £200 in all	Nil

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