Principal Exclusions
General
- The first £40 of each claim with the exception of the liability, air rage, travel delay and personal accident/injury benefits
- Any expenses which you would have incurred in the normal course of your trip
- Any consequence arising directly or indirectly from the transmission of Human Immunodeficiency Virus (HIV) and/or any HIV related illness
- Any claim arising from suicide, self injury, alcohol or drugs or any wilful exposure to needless peril
Dangerous Sports
base jumping; big foot skiing*; bobsleigh/ skeleton/ luge*; cliff diving; free climbing; heliskiing*; hunting or shooting of any kind; ice caving; professional sports; safaris using guns; ski acrobatics; skiing or snowboarding; ski jumping; ski stunting; snow mobiles/ skidoos*; snow shoeing*; solo pot holing; solo rock climbing; solo sea sailing; stunt flying and aerobatics; tobogganing*
Activities marked * can be covered by our Wintersports policy
Medical and Personal Accident
- Pregnancy or childbirth
- Any treatment that could reasonably be delayed until your return home
- Cosmetic surgery, chiropratic treatment, osteopathy or vaccinations
- Any expenses incurred in the UK
- Mental or nervous illness
- If you travel against the advice of a medical practitioner
- Any condition for which diagnosis or treatment has been received during the previous 12 months
Luggage
- Money, except on the comprehensive policy
- Any single item worth more than £200 (essential) or £300 (comprehensive), and total valuables of £250 (essential) or £350 (comprehensive)
- Sports equipment in use
- Unattended valuables, unless left with a travelling companion
- Cycles and contact lenses
Liability
- Liability for any business or professional activity
- Any claim related to dangerous sports
- Control or use of motorised vehicles, watercraft or aircraft
Cancellation
- You failing to allow sufficient time to reach your UK departure point
Hijack/Hostage
- Claims for being a hostage unless you have been missing for more than 1 month
An online quote will take less than a minute, and you can see just how much you could save.
