Compare our Policies

An overview of our policy benefits

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We offer a range of policies to suit your requirements with cover benefits and excesses varying between policy types.

Full policy details can be found in our policy wording documents but we've provided the information below to allow you to compare policies. It's important to note that the benefits listed are the maximum that can be claimed under each section of the policy and limits and terms and conditions may apply to the coverage. This information can be found in the policy wording documents.

Please note that as standard our policies will not cover mobile telephones whilst cover for electronic and photographic items are subject to the limits outlined below. Some of our policies have an optional 'Gadget Extension' available which extends coverage up to a further £500, £1,000 or £1,500, including cover for mobile phones. You will see this as an option at the second stage of the purchase process. Please refer to our policy wording documents for further details of this cover. If you are looking for standalone gadget cover please visit 'Gadget Cover' to obtain a quote.

It may be that not all policies are suitable for your trip as availability will depend upon your age, trip duration, area of travel etc. When obtaining a travel insurance quote you will be shown the appropriate quotes for your trip.

The tables below include policy excesses in brackets.

  First Class Economy 500 Longstay Backpacker
Cancelling Your Trip £5,000 (£60) £3,000 (£80) £2,500 (£75) £1,000 (£75)
Delayed Travel Each Full 12 Hours
Delayed Travel Total
£50 (Nil)
£250
No Cover £20 (Nil
£200

No Cover

Missing your Departure £1,000 (Nil) No Cover £1,000 (Nil) No Cover
Abandoning your trip after 24 hours Delay £5,000 (£60) No Cover £2,500 (£75) No Cover

Your Personal Belongings
- Clothes Limit
- Luggage Limit
- Shoes Limit
- Cosmetics Limit
- Fine Jewellery & Watches Limit
- Electrical Items & Photo. Equipment Limit
- Eyewear Limit
- Unreceipted Items Limit

£1,500 (£60)
£1,000
£200
£100
£100
£500
£500
£100
£150

£500 (£80)
£200
£100
£100
£100
£250
£250
£100
£150

£1,000 (£75)
£500
£100
£100
£75
£300
£300
£100
£150

£500 (£75)
£300
£75
£75
£75
No Cover
£100
£75
£150
Personal Belongings delayed in transit for more than 12 hours £150 (Nil) No Cover £100 (£Nil) No Cover

Your Personal Money
Your Travel Documents

£500 (£60)
£250 ( Nil)
£250 (£80)
£250 (Nil)
£500 (£75)
£200 (Nil)
No Cover
Emergency Medical Expenses outside home country (Including Repatriation) £10,000,000 (£60) £5,000,000 (£80) £10,000,000 (£75) £5,000,000 (£75)
Emergency Dental treatment £500 (Nil) £500 (Nil) £100 (Nil) £100 (Nil)
Emergency Medical Expenses inside home country (UK) £1,500 (Nil) £1,500 (Nil) No Cover No Cover
State hospital stay benefit abroad per 24 hours
State hospital stay benefit abroad total
£30 (Nil)
£300
No Cover £30 (Nil)
£200
No Cover
Cutting short your trip £5,000 (£60) £3,000 (£80) £500 (£75) £500 (£75)
Your Personal Liability £2,000,000 (£60) £1,000,000 (£80) £2,000,000 (£75) £2,000,000 (£75)
Personal Accident – Death £25,000 (Nil) £10,000 (Nil) £5,000 (Nil) £10,000 (Nil)
Personal Accident – Loss of Limb £25,000 (Nil) £10,000 (Nil) £15,000 (Nil) £10,000 (Nil)
Personal Accident – Permanent Total Disability £25,000 (Nil) £10,000 (Nil) £15,000 (Nil) £10,000 (Nil)
Legal Advice and Costs £25,000 (Nil) £10,000 (Nil) £25,000 (Nil) £5,000 (Nil)
Hijacking, Kidnap and Detention £3,000 (Nil) £1,000 (Nil) £500 (Nil) No Cover
Car Hire Excess Waiver £250 (Nil) No Cover No Cover No Cover
End Supplier Failure £3,000 (Nil) £3,000 (Nil) £3,000 (Nil) £3,000 (Nil)
  Emigration Gold Emigration Silver
Cancelling Your Trip £3,000 (£65) £1,500 (£85)
Missing your Departure £250 (Nil) No Cover

Your Personal Belongings
- Clothes Limit
- Luggage Limit
- Shoes Limit
- Cosmetics Limit
- Fine Jewellery & Watches Limit
- Electrical Items & Photo. Equipment Limit
- Eyewear Limit
- Unreceipted Items Limit

£1,500 (£65)
£1,000
£200
£100
£100
£500
£500
£100
£150
£500 (£85)
£300
£100
£85
£100
£250
£100
£85
£150
Personal Belongings delayed in transit for more than 12 hours £150 (Nil) No Cover

Your Personal Money
Your Travel Documents

£250 (£65)
£250 (Nil)
No Cover
Emergency Medical Expenses outside home country (Including Repatriation) £10,000,000 (£65)
£5,000,000 (£85)
Emergency Dental treatment £200 (Nil) £200 (Nil)
Your Personal Liability £2,000,000 (Nil) £1,000,000 (£85)
Personal Accident – Death £15,000 (Nil) £5,000 (Nil)
Personal Accident – Loss of Limb £15,000 (Nil) £5,000 (Nil)
Personal Accident – Permanent Total Disability £15,000 (Nil) £5,000 (Nil)
Legal Advice and Costs £15,000 (Nil) No Cover
Hijacking, Kidnap and Detention £1,000 (Nil) No Cover
Car Hire Excess Waiver £250 (Nil) No Cover
End Supplier Failure £3,000 (Nil) £3,000 (Nil)
  Annual Multi Trip Budget Annual Multi Trip
Cancelling Your Trip £3,000 (£60) £1,000 (£85)
Delayed Travel Each Full 12 Hours
Delayed Travel Total
£50 (Nil)
£250
£20 (Nil)
£100
Missing your Departure £500 (£60) £500 (£85)
Abandoning your trip after 24 hours Delay £3,000 (£60) £1,000 (£85)

Your Personal Belongings
- Clothes Limit
- Luggage Limit
- Shoes Limit
- Cosmetics Limit
- Fine Jewellery & Watches Limit
- Electrical Items & Photo. Equipment Limit
- Eyewear Limit
- Unreceipted Items Limit

£1,500 (£60)
£1,000
£200
£100
£100
£300
£300
£100
£150

£500 (£85)
£150
£85
£85
£85
£150
£150
£100
£150

Personal Belongings delayed in transit for more than 12 hours £150 (Nil) £50 (Nil)

Your Personal Money
Your Travel Documents

£500 (£60)
£250 (Nil)
£100 (£85)
£100 (Nil)
Emergency Medical Expenses outside home country (Including Repatriation) £10,000,000 (£60) £5,000,000 (£85)
Emergency Dental treatment £500 (Nil) £100 (Nil)
Emergency Medical Expenses inside home country (UK) £1,500 (£60) No Cover
State hospital stay benefit abroad per 24 hours
State hospital stay benefit abroad total
£50 (Nil)
£1,500
£50 (Nil)
£500
Cutting short your trip £3,000 (£60) £1,000 (£85)
Your Personal Liability £2,000,000 (£60) £2,000,000 (£85)
Personal Accident – Death £25,000 (Nil) £15,000 (Nil)
Personal Accident – Loss of Limb £25,000 (Nil) £15,000 (Nil)
Personal Accident – Permanent Total Disability £25,000 (Nil) £15,000 (Nil)
Legal Advice and Costs £25,000 (Nil) £10,000 (Nil)
Hijacking, Kidnap and Detention £3,000 (Nil) £500 (Nil)
Car Hire Excess Waiver £250 (Nil) No Cover
End Supplier Failure £3,000 (Nil) £3,000 (Nil)
  Working Holiday
Cancelling Your Trip £2,500 (£75)
Delayed Travel Each Full 12 Hours
Delayed Travel Total
£20 (Nil
£200
Missing your Departure £1,000 (Nil)
Abandoning your trip after 24 hours Delay £2,500 (£75)

Your Personal Belongings
- Clothes Limit
- Luggage Limit
- Shoes Limit
- Cosmetics Limit
- Fine Jewellery & Watches Limit
- Electrical Items & Photo. Equipment Limit
- Eyewear Limit
- Unreceipted Items Limit

£1,000 (£75)
£500
£100
£100
£75
£300
£300
£100
£150

Personal Belongings delayed in transit for more than 12 hours £100 (£Nil)

Your Personal Money
Your Travel Documents

£500 (£75)
£200 (Nil)
Emergency Medical Expenses outside home country (Including Repatriation) £10,000,000 (£75)
Emergency Dental treatment £100 (Nil)
State hospital stay benefit abroad per 24 hours
State hospital stay benefit abroad total
£20 (Nil)
£200
Cutting short your trip £500 (£75)
Your Personal Liability £2,000,000 (£75)
Personal Accident – Death £5,000 (Nil)
Personal Accident – Loss of Limb £15,000 (Nil)
Personal Accident – Permanent Total Disability £15,000 (Nil)
Legal Advice and Costs £25,000 (Nil)
Hijacking, Kidnap and Detention £500 (Nil)
Car Hire Excess Waiver No Cover
End Supplier Failure £3,000 (Nil)