Travel insurance

Whether you travel abroad once a year or have more passport stamps than Alan Whicker, you need to be certain that help is where you need it, when you need it - if trouble finds you.

With your nearest and dearest in need of urgent medical treatment it is no time to find out about the small print in your travel insurance! Whether you are trekking in the Himalayas, lying on a Mediterranean beach or taking the family to Florida, we can help you to easily arrange travel insurance that suits your needs.

Rather then only offering one product we can shop around and tailor a "bare essentials" policy to meet your budget or help you with an "all embracing" package from a comprehensive range. We can help ensure that existing medical conditions do not compromise your travel plans, no matter where you are destined. And remember, whatever your travel insurance needs, we will support them with a first class claims service that you will find difficult to beat.

Arrange a consultation >
More information on Travel insurance >

More information on Travel insurance

Insurers
The insurers are Fortis Insurance Limited apart from section 12 where the insurer is DAS Legal Expenses Insurance Company Limited.

Travel Insurance
The insurance policy covers Personal Travel insurance and can be extended to include winter sports, business equipment and golf equipment for an additional premium. Your travel insurance schedule and policy booklet form the basis of the contract. English law will apply to this contract of insurance.

Single Trip and Multi-Trip Cover
This travel insurance can be purchased as a single trip policy, an annual multi-trip policy or a long-stay policy. The single trip policy will provide cover for one specific trip, which can be up to a maximum duration of six months depending upon the length of the trip. The policy schedule will show when the policy starts and finishes.

The annual multi-trip policy provides cover for any number of trips in the 12 month period shown on your schedule. The policy will cover trips up to a maximum of 31, 45 or 60 days duration, depending on requirements. The policy schedule will show which option has been selected and when the 12 month period starts. For persons aged 65 or over, there are restrictions to the above which depend upon the length of the trip and the destination. Please contact one of our insurance advisers to see if we can provide cover. The long-stay policy (available to 16-35 year olds) will provide cover for one specific trip, which can be up to a maximum duration of 12 months. The policy schedule will show when the policy starts and finishes.

Significant Features and Benefits
The policy booklet outlines the features and benefits of the cover provided under Personal Travel Insurance. Full details of each section can be found from pages 11 through to 20 of your policy booklet. Details of additional cover for winter sports holidays, business trips and golf equipment can be found on pages 21 to 25 of the policy booklet.
The following table is a summary of the benefits available:

Personal Travel Insurance

		Sum insured (up to):
Section	Description	Single/Multi-trip	Long-stay
1A	If your trip is cancelled	£5,000*	£1,000*
1B	If your trip is cut short	£5,000*	No cover
2	Medical and other expenses	£10 million*	£5 million*
3	Hospital benefit	£1,000	£460
4	Personal accident	£25,000	£15,000
5	Personal belongings	£1,500*	£1,000*
6	Temporary loss of personal belongings	£100	£100
7	Money and documents	£400*	£400*
8	Loss of passport	£250	£250
9	Personal liability	£2 million	£2 million
10	Missed departure - extra travel and accommodation expenses	£750	£500
11	Mugging	£500	No cover
12	Legal expenses	£25,000	£25,000
13	Delay	£100 (£3,000 for cancellation)	No cover
Items marked with a * are subject to a £35 excess

Health
Health restrictions apply to some sections of this policy. See sections 1A, 1B, 2, 3 and 4 on pages 11 to 15 of the policy. You must refer to the Declaration on page 2 of the policy. If you cannot agree to the Declaration you must contact the Fortis Health Line. If you do not do this your claim may not be met. See the Declaration on page 2 of the policy.

If, after purchasing this insurance, there is a change in your health and you can no longer agree to the Declaration, you must contact the Fortis Health Line to see if cover can continue. If we cannot continue cover you may claim for the cost of cancelling your trip at that time. Your policy does not cover you if you are travelling against medical advice or to get medical treatment. See sections 1A, 1B, 2 and 3 on pages 11 to 14 of the policy.

Dangerous Activities
Your travel insurance policy does not automatically cover you for all activities. If you are going to take part in any activity that may be considered dangerous, or you are taking a winter sports holiday, please contact your insurance agent for advice. See page 8 of the policy.

Personal Belongings, Money and Documents
Your policy provides cover for loss, damage or theft of your personal belongings, money and documents, however we may take an amount off for wear and tear. The policy also contains maximum amounts that can be claimed for individual items, valuable items and cash. Your policy provides full details of these limits.

What happens if I take out cover and then change my mind?
You can cancel this policy within 14 days from the date you receive the policy wording and policy schedule. We will then refund your premium in full. Please note that, for a single trip policy, a refund of premium is only available if the period from the date of issue of the policy to the scheduled return date home is greater than 28 days. No refund of premium is available after the 14 day period.

Financial Services compensation scheme
In the event that Fortis is unable to meet its liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme. More information can be obtained from Customer Services on 020 7892 7300 or www.fscs.org.uk

Arrange a consultation >
Back to Top >