Policy Cover	Standard Cover	Premier Cover	Excess
A1.Cancelling your trip We will pay for the costs of your trip if you have to cancel because of the unforeseen illness or death of a close relative, or if your presence is required in the UK because you are called up on jury service, subpoenaed as a witness in a court of law, or your home has been severely damaged, or you are made redundant, or you are compulsorily quarantined, or if you cancel after a 24- hour delay.	£3,000	£5,000	£50 (£10 loss of deposit)
B1. Travel Delay If Your Outward journey is delayed for more than 12 hours:
Delayed travel first 12 hours	£30	£30	Nil
Delayed travel each futher 12 hours	£10	£10	Nil
Delayed travel total	£250	£250	Nil
Missing your departure	£1,000	£1,000	£50
Abandoning your trip after 24 hours	£1,000	£3,000	£50
B2.Personal Luggage If your luggage is lost, stolen or damaged we will pay for the cost of replacement (less wear, tear and depreciation).
Your personal belongings	£1,500	£1,500	£50
Valuables Limit<	£400	£400	£50
Single article limit	£300	£300
Personal belongings delayed in transit for more than 12 hours	£150	£150	Nil
B3. Money & Travel documents We will cover you for the loss of money you are carrying on your person or which you have left in a safety deposit box. If you lose your passport we will pay for reasonable travel and accommodation costs incurred in replacing it.
Personal money	£500	£500	£50
Cash Limit	£250	£250
Cash Limit if under 18	£50	£50
Your travel documents	£300	£300	£50
B4. Emergency medical expenses outside home country If you have a sudden and unforeseen accident or illness during your trip we will pay for your reasonable medical expenses and the costs of bring you back to the UK.	£10,000,000	£10,000,000	£50
Emergency dental treatment	£200	£200	Nil
State hospital stay benefit abroad per 24 hours	£15	£15	Nil
State hospital stay benefit abroad total	£600	£600	Nil
Your travel documents	£300	£300	£50
B5. Cutting short your trip	£3,000	£5,000	£50
B6. Personal Liability	£2,000,000 per policy	£2,000,000 per policy	£50
B7. Personal Accident Covers you for loss of life, limb or sight that occurs during the trip after an accident.
Accidental death benefit	£15,000	£15,000	Nil
Disability benefit - permanent loss of sight or limb	£30,000	£30,000	Nil
Disability benefit - permanent total disablement	£30,000	£30,000	Nil
B8. Legal advice and costs	£25,000 per policy	£25,000 per policy	Nil
B9. Domestic Pets	£20 per 24hrs up to £300	£20 per 24hrs up to £300	Nil
Optional Winter Sports cover - Your policy can be extended to cover winter sports on payment of an additional premium
B10. Your winter sports equipment In addition to Section B10 we will pay if the ski equipment owned or hired by you, or your ski-pass is lost or damaged.	£500	£500	£50
Your winter sports equipment	£300	£300
Your single article limit	£15	£15	Nil
Delayed ski equipment per 24 hours	£300	£300	Nil
Delayed ski equipment per 24 hours	£300	£300	Nil
Loss of ski pass, ski lift pass and ski school fees total	£250	£250	Nil
Piste closure per 24 hours (lost skiing)	£20	£20	Nil
Piste closure per 24 hours (additional travel expenses)	£10	£10	Nil
Piste closure total	£200	£200	Nil
Avalanche closure	£150	£150	Nil
Golf Cover - This is automatically included onto your travel insurance policy
B11. Your Golf Equipment In addition to section B11 we will pay if the Golf Equipment owned or hired by you is lost or damaged	£1,000	£1,000
Single article limit	£300	£300	£50
Hired golf equipment	£30 per day up to £1,000	£30 per day up to £1,000	Nil
Loss of pre booked green fees	£75 per day up to £250	£75 per day up to £250	Nil
Hole in one	£100	£100	Nil
Travel Disruption only applicable upon purchase of the optional upgrade for this cover
B12. Catastrophe	£1,000	£50	£50
B13. Missed Connection	£1,000	Nil	Nil