Individuals and families requiring good levels of travel insurance cover for their holiday/trip.
3 levels of cover to choose from – for those looking for the highest levels of protection, Premier Plus is available on both Single Trip and Annual Multi-trip policies and includes:
- Emergency medical assistance & expenses up to £10,000,000
- Cancellation & cutting short a trip up to £10,000
- Baggage up to £3,000
- Personal money up to £1,500
- Extended journey disruption
- Gadget cover up to £1,500
Children can travel independently e.g. on school trips – provided under Annual Multi-trip “Family” cover, subject to having the permission of their parent and/or guardian and be accompanied by a responsible adult. Please note: we cannot cover unaccompanied children.
Scheduled Airline Failure & End Supplier Failure – provides cover up to £3,000 with Premier (up to £5,000 with Premier Plus) in the event the holiday/trip has to be cancelled due to the financial failure of your airline, travel or accommodation provider and you are unable to recover your pre-booked travel and accommodation costs elsewhere.
Extended Journey Disruption (automatically included with Premier and Premier Plus) – cover for cancellation or additional expenses due to disruption caused by a natural disaster such as a volcanic eruption.
Gadget cover (automatically included with Premier & Premier Plus) – provides up to £1,000 (Premier) or £1,500 (Premier Plus) for theft, accidental damage, loss, breakdown and unauthorised call/data use for your gadgets including: handheld consumer electronic devices such as mobile phones, tablets, I-pads, Kindles, satnavs, cameras, lenses, camcorders, smart watches, smart glasses, head mounted displays, hand held games consoles, portable DVD players, headphones, wireless speakers, MP3 players and I-pods – but not laptop computers, purchased as new or, in the case of refurbished items, not purchased directly from the manufacturer or network provider in the UK; that is no more than 48 months old at the start date of your trip.
Dedicated ‘Cruise’ cover (automatically included on Annual Multi-trip Premier and Premier Plus, available as an option with Single Trip Premier and Premier Plus at an additional premium) – provides additional cover for missed embarkation following delay in travel; cancellation of a scheduled port visit following a change in cruise itinerary due to adverse weather or a change in timetable; cabin confinement following your illness, the hire or purchase of formal cruise attire should your baggage be delayed by over 8 hours, additional emergency medical assistance and expenses including ship to shore repatriation where medically necessary, and unused shore excursions due to being confined to bed.
‘Business’ cover (available as an option on Premier and Premier Plus at an additional premium) – provides cover whilst travelling for your business or occupation. Includes hire or purchase of business equipment should yours be lost, stolen or delayed and replacement staff cover in the event of your illness.
Travel Consumer Dispute – provides up to £10,000 with Premier (up to £50,000 with Premier Plus) for professional fees to pursue a compensation claim against a tour operator, travel agent, pre-booked car hire company, travel or accommodation provider.
Emergency cattery/kennel costs – cover for emergency boarding expenses for cats or dogs up to £500 if the return home is delayed because of illness or injury.
A wide range of activities are automatically covered under Travel Plus with Activity Pack 1. Additional activities (Activity Packs 2 – 4) may be covered on payment of an additional premium. Click here for further details.
Winter Sports cover is automatically included on Annual Multi-trip Premier and Premier Plus providing cover up to a maximum of 21 days (Premier) and up to a maximum of 45 days (Premier Plus) during the policy period.
It is available as an option at an additional premium with Single Trip Premier and Premier Plus.
EXISTING MEDICAL CONDITIONS
An online medical screening service is available during the quote process for those who have an existing medical condition. In some cases an additional premium may be required. Alternatively, please call us 02392 419 070. We are open Monday to Friday 8am – 6pm, closed bank holidays.
You must be aged:
65 years or under at the date you purchase the policy for Essential cover
89 years or under at the date you purchase the policy for either Premier or Premier Plus.
If you are aged over 89, you can get a quote via our Free Spirit product that has no upper age limit.
You must be aged:
65 years or under at the start date of the policy for Essential cover
79 years or under at the start date of the policy for Premier and Premier Plus cover.
The maximum duration of any single trip is 94 days, which is reduced to 35 days if you are aged 76 or over at the time of purchase on Premier and Premier Plus.
Note: If cover is required for longer periods, please go to our Longstay product which provides cover for single trip travel for periods up to 18 months.
You can take an unlimited number of trips in a 12 month period.
Each trip you take must not be longer than:
– 24 days on Essential cover.
– 35 days on Premier cover.
– 60 days on Premier Plus cover (35 days if you are aged 70 years and over at the start date of your policy).
Available to UK, Channel Island and Isle of Man residents who have their main home in the UK and have lived in the UK for at least 6 months or hold a valid British residency permit or visa or are a British member of Her Majesty’s Armed Forces stationed overseas and are registered with a UK medical practitioner and are liable to pay taxes in the UK.
Cover under sections 1 to 17 is underwritten by Zurich Insurance plc.
Cover under section 18 is underwritten by UK General Insurance Limited on behalf of: Great Lakes Insurance SE.
Cover under section 19 is underwritten by Royal & Sun Alliance Insurance plc.
Cover under section 18 is administered by Bastion Insurance Services Ltd.
Cover under section 19 is administered by Legal Insurance Management Limited.
Please see the Insurance Policy for full Insurer details.
HOW TO APPLY
Brokers and Agents:
Or call 02392 419 050 Mon to Fri 9am – 5pm.
Or call 02392 419 070 Mon to Fri 8am – 6pm.
Last updated: 17th April 2019.
With over 25 years experience in travel insurance, we have created specific products to cater for specific needs. Whether you require cover for a medical condition, hazardous activities, round the world trip, Gap year, etc., we have a policy for you.
As schemes specialists, we are able to provide some unique products; these currently include: ‘Top-up’ Cancellation cover; Euro Plus (breakdown cover for people travelling to Europe); and PJH Worldwide for those who have already travelled and expats.
We have a range of facilities to cover companies; ranging from Group Personal Accident and Travel to Liability cover for Tour Operators. Specific products include: Business; Coach Plus Breakdown; Coach Plus Driver; and SAFI.