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Travel insurance

It is very important to be well covered, in particular against cancellation and medical expenses, with a reputable insurance company who offers a repatriation service. Some other points worth noting are:

  1. Items of a high individual value (such as photographic equipment) are normally best insured as part of the All Risks section of your Household policy.
  2. Make sure that you have cancellation cover sufficient to cover the whole cost of the trip.
  3. Age limits can vary between policies so if you are over 65 it is worth shopping around.
  4. If you normally travel abroad more than twice a year then an Annual policy will almost certainly offer better value, quite apart from the convenience.
  5. Pay particular attention to any pre-existing medical conditions clauses: and remember that you should advise insurers if any person upon whom travel depends (such as a close relative) has a condition that might give rise to a cancellation. If in doubt call the Medical helpline listed below before taking out the insurance.
  6. If you are hiring a car it may be useful to get a policy that includes excess waiver top-up - in some countries (e.g. Argentina, Chile) this is quite high and not possible to reduce via the car hire companies. Separate policies are also available just for this.

Premiums and cover

Type Single Trip Annual**
2008 premiums 17 days 24 days 31 days World-wide
Excluding USA £59 £66 £73 £90.00
Including USA £74 £84 £94
Summary of cover
Cancellation £5,000
Medical £5m
Personal Accident £25,000
Baggage/item £2,000/£400
Money £300
Personal Liability £2m
Repatriation Yes
Excess £50 (£250 for personal liability)
Main Insurer Travel & General Insurance Company plc
Claims Claims International (UK) 0870-2247676 (quote '454/tgicLFL08')
Medical emergency Global Response +44 (0) 870-9903449 (quote 'tgicLFL08')
Medical helpline Call (UK) 0845-4080585

Age loadings Single-trip Annual
Infants 0-2 Free Free
Children 2-18* Half Half
66-70   Double
71-75   Triple
66-75 Double  
76-79 Triple  
*travelling with an insured adult
Optional extensions Single-trip Annual
Excess waiver £8 £10
Winter sports add 75% included
Scuba (over 18m, lesser depths included) add 35% £25
Extra cancellation cover (per £1,000, max. £15,000) £30 £30

Please note that this is only a summary of cover - we have a leaflet setting out more details and the full wordings are contained in the policy document (download pdf here). This policy is only available to UK and Republic of Ireland residents and repatriation is to the country of departure.

**For the Annual policy an unlimited number of trips of up to 31 days each are permitted. The family rate (including spouse and up to 4 children under 19 when travelling with their parents) is £170.00.

If you would like further details please let us know. Cover normally starts when the certificate is issued and premiums (which include IPT at 17.5%) are not thereafter refundable.

We cannot issue insurance to anyone unless they have a holiday booked with us.