The Essential Plus policy is similar to our Essential policy, but with a few extra bits of cover. Excess amounts are lower and cover for baggage is included, meaning that the policy costs slightly more. An ideal policy for a customer looking for well-rounded cover at a very competitive price.
Essential Plus 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 under 56) • 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 | £20 per day up to £600 | nil |
| Travel delay | £10 for the first 12 hours,
£10 per 12 hour period thereafter up to £100 |
nil |
| Hijack | £50 per day up to £500 | nil |
| Mugging | £50 per day up to £500 | nil |
| Kennel/cattery fees | £10 per day up to £100 | nil |
| Cancellation or curtailment | up to £2,500 | £100 (£20 loss of deposit) |
| Baggage and personal effects • single item limit • valuables limit in total • passport • delayed baggage |
up to £1,500 £3250 £250 up to £300 up to £100 (£25/24hours) |
£100 |
| Personal money • cash limit • cash (aged under 16) |
up to £300 £200 £50 |
£100 |
Customise your cover by adding Extras to 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 | £75 per day up to £300 |
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 |
£2,500 £700 £500 |
£75 |
| Missed Shore • per trip |
£300 £50 |
nil |
| Confinement • per day |
£300 £50 |
nil |
| Excursions | £300 | £75 |
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 |
