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Travel Insurance Options

To include any of these options on your travel insurance, choose to add them as you go through your quote - for full details see the policy documents.

Or call our UK call centre on

0800 022 3919

Existing customer contact details

8am - 8pm Monday to Friday
9am - 5pm Saturday and bank holidays
10am - 4pm Sunday

Calls may be recorded

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Baggage, personal belongings and money

If your things get lost or stolen, we'll cover your luggage, valuables and other possessions (like skis and golf clubs) - up to:

  • £3,000 with the Premier policy
    - total valuables limit £500
    - single item limit £500
  • £2,000 with the Essential policy
    - total valuables limit £300
    - single item limit £300
  • £500 for money (on Premier and Essential policies)
    - up to £300 cash

Loss or theft must be reported to the police or appropriate person, eg hotel manager, within 24 hours.

More information about baggage, valuables and money

Your baggage is:

  • your suitcases / bags and their contents but not your valuables
  • baggage includes sports equipment and mobility aids such as wheelchairs

Examples of valuables include:

  • jewellery and watches
  • glasses and sun glasses
  • all electronic items and their accessories like laptops, phones, games consoles
  • all photographic or recording equipment

Valuables must be kept with you at all times or locked in a safe or in your accommodation.


Your personal money limit of £500 includes £300 cash plus cover for your:

  • travellers cheques
  • admission tickets and pre-paid passes (eg for ski lifts), that have a monetary value

A receipt will be needed for loss or theft.

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Winter sports cover

If you add winter sports to an annual multi-trip policy, you'll get 17 days' worth of winter sports cover on the Essential policy and 31 days on the Premier policy.

If things go wrong on your winter sports trip, we'll cover you for:

  • emergency medical expenses
  • personal accident
  • personal liability

The sports we cover are:

  • skiing (including big foot, cross-country, mono, glacier and indoor)
  • snowboarding
  • snowblading
  • sledging and tobogganing
  • snowmobiling and skidooing

We'll cover you for off piste skiing and snowboarding when skiing within the ski area boundaries of a recognised ski resort and following ski patrol guidelines.

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Sorry, but we don't cover:

Bobsleigh, skeleton bobsleigh or luging, heli-skiing, ski acrobatics, ski flying, ski jumping, ski mountaineering, ski racing, ski randonee, ski stunting, ski touring or snowcat skiing.

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Don't forget to add our optional baggage cover (shown above) if you want cover for your skis or snowboards.

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