Travel insurance optional extras

Looking for more? Here’s how to tailor your travel policy

baggage, personal belongings and money

What cover do I need to protect against theft?

Add extra cover for baggage, personal belongings and money

Up to £3,000 cover with our Premier policy or £2,000 cover with our Essential policy for baggage. This includes your suitcases and their contents, bags, sports equipment, mobility aids and wheelchairs. Please note valuables must not be stored in suitcases
Up to £500 cover with our Premier policy for your valuables, like jewellery, watches, sunglasses, cameras or mobile phones. The Essential policy gives you £300 cover
£500 cover for money, including £300 for cash, as well as cover for travellers cheques, admission tickets or pre-paid passes

Remember to report any loss or theft to the police within 24 hours.

What counts as baggage?

What's covered under valuables?

What's covered under personal money?

Optional cover (baggage)	Essential policy max limit per person	Premier policy max limit per person	Excess per claim
Replacement or hire of essential baggage	£250	£500
Damaged, lost or stolen baggage and valuables Total valuables limit Single item limit	£2,000 £300 £300	£3,000 £500 £500	£50
Loss or theft of personal money Cash limit	£500 £300	£500 £300	£50
Loss of your passport	£500	£500	£50
Loss of your driving licence	£500	£500	£50

Optional cover (baggage)	Essential policy max limit per person	Premier policy max limit per person	Excess per claim
Replacement or hire of essential baggage	£250	£500
Damaged, lost or stolen baggage and valuables Total valuables limit Single item limit	£2,000 £300 £300	£3,000 £500 £500	£50
Loss or theft of personal money Cash limit	£500 £300	£500 £300	£50
Loss of your passport	£500	£500	£50
Loss of your driving licence	£500	£500	£50

I'm going skiing - do I need additional cover?

Winter sports cover offers extra protection while you're on the slopes

Emergency medical expenses if you fall ill on your trip*
Accident and personal liability cover
Cover for off piste skiing and snowboarding when you're within the ski area boundaries of a recognised ski resort and following ski patrol guidelines

* Medical expenses are subject to pre-existing conditions being screened and accepted

Optional cover (Winter sports)	Essential policy max limit per person	Premier policy max limit per person	Excess per claim
Personal liability for winter sports activities	£2 million per policy		N/A
Personal accident as a result of a winter sports activity	£25,000 per person		N/A
Emergency medical expenses paid that resulted from doing a winter sports activity	£10 million per person		£90
Unused pre-booked winter sports tuition, due to bad weather	Included as standard – see “Cancelling excursions or activities while on your trip”
Unused pre-paid lift pass for each day it can’t be used because the lifts are not in use	Included as standard – see “Cancelling excursions or activities while on your trip”
Cancel winter sports excursions / activities while on trip	£5,000	£10,000	£90
Cancel / cut short your trip after leaving home if this is required as a result of doing a winter sports activity	£5,000	£10,000	£90
Hired winter sports equipment (whilst not in use) is covered only if optional cover for baggage is selected, see above.

Optional cover (Winter sports)	Essential policy max limit per person	Premier policy max limit per person	Excess per claim
Personal liability for winter sports activities	£2 million per policy		N/A
Personal accident as a result of a winter sports activity	£25,000 per person		N/A
Emergency medical expenses paid that resulted from doing a winter sports activity	£10 million per person		£90
Unused pre-booked winter sports tuition, due to bad weather	Included as standard – see “Cancelling excursions or activities while on your trip”
Unused pre-paid lift pass for each day it can’t be used because the lifts are not in use	Included as standard – see “Cancelling excursions or activities while on your trip”
Cancel winter sports excursions / activities while on trip	£5,000	£10,000	£90
Cancel / cut short your trip after leaving home if this is required as a result of doing a winter sports activity	£5,000	£10,000	£90
Hired winter sports equipment (whilst not in use) is covered only if optional cover for baggage is selected, see above.

Travel with us and you're in safe hands

Want to know more? Have a read through our policy documents...

You can get these and other documents from us in Braille, large print or audio by contacting us