Travel Insurance for UK residents
annual travel insurance 90 days from UK


	Insurance Policy


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	Definitions
	europe
	children
	spouse/partner

	Home Country :	England, Scotland, Wales or Northern Ireland
		Isle of Man
		Channel Islands

Annual Multi-Trip Travel Insurance
90 days maximum per trip
for residents of
UK, Isle of Man or Channel Islands

		CLICK - for annual insurance for Irish residents in Euro Please give your Travel Insurance requirements:

	Destination area:	1. Europe (see definition of Europe for this insurance) 2. Australia & New Zealand (with 3 days stopover) 3. Worldwide excluding USA, Canada, Caribbean, Bahamas 4. Worldwide (fully) including USA, Canada, Caribbean, Bahamas

	Persons insured:	You (if aged under 66) Your spouse/partner, (if also aged under 66) Dependant Children (aged under 17)

	Important conditions for insurance : You must be permanently resident in your Home country, either the UK, Isle of Man, or Channel Isles, and insurance must be taken out before leaving your Home country. Pre-existing conditions are not covered (definition below). With a pre-existing condition the insurance is still effective in all respects except that any loss related to the condition is not covered.
	Keyfacts Policy Summary : This is a document required by the FSA to help you understand the cover provided by the Policy. Please print it to refer to, and read what is meant by Pre-existing Conditions via the links below:
	Keyfacts Policy Summary
	Pre-existing Conditions wording

Age limits : apply as at the annual period commencement date. Adults must be aged under 66. For families, up to 6 dependant children aged under 17 can be included - (6 at the same cost as for 1).

Travel : adults, if two insured, may travel independently. Children are not covered to take a trip independently of an adult insured, although if that is necessary please contact us in advance.

Cancellation cover : for annual multi-trip insurance is effective from the start date of the annual period.

Limit of 90 days : the maximum of 90 days for any one trip cannot be extended. You must at least return to your home between trips.

Travel Insurance for UK residents

Please review the Policy Wording, the over 100 sports and activities covered in our Schedule of Activities, the Keyfacts Policy Summary, and our Terms Of Business, via the links on this page.

On taking out insurance, you will be sent an email enabling you to download or access this information again, and if, within 14 days, you are not happy with the insurance, you can ask for it to be cancelled and your payment will be refunded in full, provided you have not travelled or used the insurance in any way.

	Important conditions for insurance : You must be permanently resident in your Home country, either the UK, Isle of Man, or Channel Isles, and insurance must be taken out before leaving your Home country. Pre-existing conditions are not covered (definition below).
	Keyfacts Policy Summary : This is a document required by the FSA to help you understand the cover provided by the Policy. Please print it to refer to, and read what is meant by Pre-existing Conditions via the links below:
	Keyfacts Policy Summary
	Pre-existing Conditions wording

	For your insurance, Europe is defined as:
	The Continent of Europe west of the Ural Mountains, Madeira, Canary Islands, the Azores, Mediterranean Islands, and non–European countries bordering the Mediterranean. Travel to the following countries (excluding your home country): Albania, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Channel Islands, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Georgia, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Isle of Man, Italy, Kazakstan (west of Ural River), Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Russian Federation (west of Ural Mountains), San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine, United Kingdom, Vatican City. Including all Islands in the Medeterranean, and the Atlantic Islands: Azores (Portugal), Canary Islands (Spain), Madeira (Portugal). Including Non-European countries bordering the Medeterranean: Algeria, Egypt, Israel, Lebanon, Libya, Morocco, Syria, Tunisia, Turkey.

including Children:

Child, children means person(s) aged 16 years and under at the start of the annual period, or start of trip for single trip insurance. Up to 6 children may be included, and all are at the same price as for one. For annual insurance, all children must be dependants of one or both adults insured. Also, see Travel note below.

For single trip insurance, at least one child must be a dependant of an adult insured, other children need not necessarily be dependants. For long stay backpacker insurance, children are not covered.

Children do not necessarily have to be the offspring of the adult(s) insured.

Your Partner:

Your Partner is your spouse or someone of either sex with whom you have a permanent relationship, and who also lives with you at your Home.

For Single Trip and Annual Insurances, a 10% discount applies to the joint cost of your insurance when you include your spouse or partner.

	Skydiving, Parachuting, Paragliding
	Skydiving and other airsports are classified in our High Risk activities category, which provides Medical Emergency and Repatriation cover (only) - as per Schedule (A) of the Policy - for an accident or illness caused by participating in these activities whilst on a trip abroad. There is no extra charge for this, and it is automatically included with the travel insurance, however, as for all High Risk activities the excess (which is the first part of any claim that you pay) is £500 rather than the normal £80 excess for Schedule (A). See our Schedule of Activities for more details, via the sports & activities link on the menu.