Whether you're skiing in the Swiss Alps or scuba diving in South Africa, it's simple to select additional covers that you need for your trip.
From a personal belongings cover limit of £1,500 to travel disruption cover up to £5,000, you can be covered from the airport runway all the way to the ocean.
Find more information on COVID-19 and travel insurance on our Coronavirus: travel insurance page
Travel disruption cover
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 causes your pre-booked transport to be cancelled
- 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.
Airspace closure cover
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 ashand 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.
Baggage cover
Covers your personal belongings and baggage during your trip if they're lost, stolen or damaged:
- Up to £1,500 per person (with a £100 excess per person)
- 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.
Winter sports cover
If you’re planning on hitting the slopes, this cover gives you extra protection while you’re taking part in certain winter sports activities.
- Winter sports equipment up to £500 per person (with a £100 excess per person)
- 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.
Golfing cover
Cover for your clubs and equipment if they are lost, stolen or accidentally damaged. We’ll even cover non-refundable green fees if you’re ill or injured and unable to play golf.
- Cover for golf clubs and equipment up to £1,500 per person, per trip (with a £100 excess per person)
- 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.
Scuba diving cover
You’re already covered for diving up to 15m in depth, but with this optional cover, this is extended to 30 metres (as long as you’re qualified).
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.