The Essential policy is fantastic value-for-money travel insurance that provides well-rounded cover for the budget-conscious traveller. Prices are kept competitive with a slightly higher excess than some of our high-end policies. If you are carrying hand-luggage only then this policy is ideal for you as it lowers the cost by not including baggage cover.
Essential Cover (per person)
| Benefit | Limit | Excess |
|---|---|---|
| Emergency medical and other expenses including emergency assistance services |
up to £5,000,000 | £100 |
| Personal liability | up to £1,000,000 | £100 |
| Legal assistance and expenses | up to £15,000 | £100 |
| Missed departure | up to £500 | £100 |
| Personal accident • loss of limbs or sight (aged 64 and under) • permanent total disablement (aged 64 and under) • death benefit (under 16) • death benefit (aged 16-64) • death benefit (over 64) |
Max benefit £15,000 £15,000 £15,000 £2,000 £15,000 £2,000 |
nil |
| Hospital benefit | £30 per day up to £600 | nil |
| Travel delay | £20 for the first 12 hours, £10 per 10 hour period thereafter up to £100 |
nil |
| Cancellation or curtailment | up to £2,500 | £100 (£20 loss of deposit) |
Optional Extras to customise your policy
Golf Cover
| Benefit | Limit | Excess |
|---|---|---|
| Golf Equipment | up to £1,000 | £100 |
| Golf Equipment Hire | £20 per day up to £200 | £100 |
| Green Fees | up to £100 |
Winter Sports Cover
| Benefit | Limit | Excess |
|---|---|---|
| Ski equipment • owned • hired • single item limit |
up to £750 up to £500 £250 |
£100 |
| Ski hire | £30 per day up to £510 | nil |
| Ski pack | £300 lift pass up to £600 | nil |
| Piste closure | £50 per day up to £500 | nil |
Business Insurance
| Benefit | Limit | Excess |
|---|---|---|
| Equipment • single article limit |
£750
£500 |
£100 |
Cruise Insurance
| Benefit | Limit | Excess |
|---|---|---|
| Extended Baggage • single article limit • valuables |
£1,500 £500 £300 |
£100 |
| Missed Shore • per trip |
£300 £50 |
nil |
| Confinement • per day |
£300 £50 |
nil |
| Excursions | £200 | £100 |
Wedding Insurance
| Benefit | Limit | Excess |
|---|---|---|
| Rings (per person) | £250 | £100 |
| Gifts (per couple) | £1,000 | £100 |
| Attire (per person) | £1,500 | £100 |
| Photographs | £750 | £100 |
Independent Taveller Insurance
| Benefit | Limit | Excess |
|---|---|---|
| Extended Cancellation | £2,500 | £100 |
| Extended Delayed Departure | £100 | £100 |
| Extended Missed Departure | £500 | £100 |
| Accommodation | £2,500 | £100 |
