Wording Documents

Full details of our Policies.

Policy Wordings & Key Facts Documents

Our policy wording documents outline the full coverage, limitations, terms and conditions that relate to our policies. It is important that you read and understand these documents when purchasing our policies.

You can view our policy wordings and key facts documents by clicking on the relevant links below. If you have purchased a policy please refer to your policy documents emailed or sent at time of purchase.You will need the free Adobe Acrobat Reader software installed to view PDF files. If you do not already have it installed, you can download it by clicking here. Please contact us if you have any questions.

Please read details regarding pre-existing medical conditions before purchasing cover.

First Class Policy After 24/05/2017:           Policy Wording Document       Key Facts Document
First Class Policy 13/2/2017 to 23/05/2017:           Policy Wording Document       Key Facts Document

Economy 500 Policy After 24/05/2017:           Policy Wording Document       Key Facts Document
Economy 500 Policy 13/2/2017 to 23/05/2017:           Policy Wording Document       Key Facts Document

Longstay Policy:           Policy Wording Document       Key Facts Document

Backpacker Policy:           Policy Wording Document       Key Facts Document

Annual Multi Trip Policy:           Policy Wording Document       Key Facts Document

Budget Annual Multi Trip Policy:           Policy Wording Document       Key Facts Document

Emigration Insurance (Gold & Silver):           Policy Wording Document       Key Facts Document

Working Holiday Policy:           Policy Wording Document       Key Facts Document


The above documents apply to policies purchased on or after the 13th February 2017. Please see below for documents relating to policies purchased before this date.


Please see the table below for all wordings and key facts documents for URV policies bought between 12th January 2016 and 12th February 2017.

 
Policy Wordings
Key Facts Document

First Class

Economy 500
Longstay
Backpacker
Medicare Extra
Annual Multi-Trip
Budget Annual Multi-Trip
Emigration Insurance (Gold & Silver) (9/6/2016 to 12/2/2017)
Emigration Insurance (Gold & Silver) (12/1/2016 to 8/6/2016)
Working Holiday

Please see the table below for all wordings and key facts documents for URV policies bought between 14th January 2015 and 11th January 2016.

 
Policy Wordings
Key Facts Document

First Class

Economy 500
Longstay
Backpacker
Medicare Extra
Annual Multi-Trip
Budget Annual Multi-Trip
Emigration Insurance (Gold & Silver)
Working Holiday (14/1/2015 to 5/12/2015)
Working Holiday (6/12/2015 to 11/1/2016)

Please see the table below for all wordings and key facts documents for URV policies bought between 1st April 2014 and 13th January 2015.

 
Policy Wordings
Key Facts Document

First Class

Economy 500
Longstay
Backpacker
Medicare Extra
Annual Multi-Trip
Budget Annual Multi-Trip
Emigration Insurance (Gold & Silver)

 

Please see the table below for all wordings and key facts documents for URV policies bought between 1st January 2013 and 31st March 2014.

 
Policy Wordings
Key Facts Document

First Class/Emigration

Economy 500
Longstay
Backpacker
Medicare Extra
Annual Multi-Trip

 

Please see the table below for all wordings and key facts documents for URV policies bought between 1st January 2012 and 31st December 2012.

 
Policy Wordings
Key Facts Document

First Class/Emigration

Economy 500
Longstay
Backpacker
Medicare Extra
Annual Multi-Trip

 

Please see the table below for all wordings and key facts documents for URV policies bought between 1st January 2011 and 31st December 2011.

 
Policy Wordings
Key Facts Document

First Class/Emigration

Economy 500
Longstay
Backpacker
Medicare Extra
Annual Multi-Trip

Please see the table below for all wordings and key facts documents for URV policies bought before 1st January 2011.

 
Policy Wordings
Key Facts Document

First Class/Emigration

Economy 500
Longstay
Backpacker
Medicare Extra
Annual Multi-Trip





No Credit Card Fees


14 Day Money Back Guarantee


UK-Based Customer Service


Friendly, Personal Service


Telephone 01424 223964