Your Holiday Insurance, Our Expertise.

menu

Essential Cover

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

You may be interested in this magazine article

Travel Insurance Slipups

Top 10 Travel Insurance Blunders

It is common for travellers get a bit eager and overlook important details when planning a trip. To ensure you are getting the coverage you need, we give you the Top 10 Travel Insurance Blunders, so that you can learn from other people's mistakes.