Travel Insurance

The policy offers cover for a number of activities as standard. However, there are some activities that do require additional cover due to their nature. Please refer to your policy wording for further information. If the activity that you are interested in is not shown in your documents, please contact us on 0151 363 5290 and we would be happy to assist you. It is likely that we will ask you to complete a form requesting some more information relating to this activity.

The policy considers cancellation/curtailment claims if your authorised leave is cancelled or you are called up for operational reasons, provided that the cancellation or curtailment could not reasonably have been expected at the time when you purchased this insurance or at the time of booking any trip.

Any medical condition you have, or have had, for which you are taking or have been taking prescribed medication or any medical condition, you have, or have had, for which you are waiting to receive, or have received treatment (including surgery, tests or investigations). For more information, please refer to the ‘Important conditions relating to health’ of your policy wording.

If you are aged under 65 years, and a serving member of H.M. Forces, or civilian staff of H.M. Forces you are eligible. We may consider you eligible with prior consent for this policy if you are a member of the Army Reserve, or a contractor employed by H.M. Forces, or an employee of an affinity partner of H.M. Forces.

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Please find the available types of policy:

Individual: A person who is named on the policy schedule.

Couple: A person and their husband, wife, civil partner or common law partner who permanently reside together at the same address and who are both named on the policy schedule.

 Single Parent Family: A person who is named on the policy schedule and any number of his or her children, stepchildren or foster- children aged under 18 (or aged under 23 if in full time education) also named on the policy schedule.

Family: A person and their husband, wife, civil partner or common law partner who permanently reside together at the same address and who are both named on the policy schedule and any number of his or her children, step-children or foster-children aged under 18 (or aged under 23 if in full time education) also named on the policy schedule.

Children under 18 years old must travel with an insured adult named on this policy, or with another responsible adult who is 18 years or over. The children must be going to the same destination as the insured adult.

Children aged between 18 – 22 years (in full time education) can travel independently, but only to visit or holiday with the insured adult or policyholder. Cover will end when the child has graduated from further education or once they terminate their education (including gap years), or upon reaching their 23rd birthday, whichever date is earliest.

Any holiday within the United Kingdom is only covered where you have pre booked at least one night’s accommodation in a hotel, motel, holiday camp, bed and breakfast, holiday cottage or similar accommodation rented for a fee. Please refer to your policy documents to review cover for UK trips.

If you’re in the Armed Forces and your holiday or pleasure trip starts outside the UK, it must either last more than 8 hours or take you more than 50 miles (80 km) away from your base. This is because you wouldn’t reasonably expect to be covered by military medical services once you’re that far from base. Your travel insurance starts when you leave your base and ends when you return.

The maximum trip duration is 45 days. For Winter Sports, the limit is 17 days in a rolling 12-months period.

The policy would not consider claims arising from not obtaining a visa or a visa being withdrawn.

There would be limited cover under this product for a cruise (subject to the terms and conditions of the policy). This product does not offer a cruise extension, so specialised cover for cruises would not be in place. (missed ports/quarantine etc.) Please note that in the scenario of a cancellation claim the policy will pay up to the maximum limit and not to the actual cost.

Whilst it cannot cover you for the time you are on duty with the Forces, it can cover you during your R&R as long as you have a trip booked for your R&R time. Please refer to the definition of trip in the wording for more information.

Whilst the policy does not cover search and rescue costs, medical evacuation will be considered if the Assistance Team confirms it is medically necessary. Therefore, if you need help, please make sure you contact the Assistance Team as soon as you are able to in order to avoid any delays.

We would not consider apprenticeship full time education; therefore, he would not be covered under this policy.

Anyone named on the policy would have cancellation cover but for their share only. The policy will not compensate anyone who is not covered under this policy.