Travel Insurance

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Policy Premium
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Car Hire Excess Cover
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There should be at least one traveller over 18 years old and as the policy purchaser, you must be 18 years old or over. Travellers under the age of 18 can be added using the “Add another traveller” option directly below.

You must be a UK resident and 65 years of age or younger. However, you can contact our partner, Rock Insurance, on 0343 658 0253 to see if you can obtain a quote on an alternative policy.

You must be a UK resident and 65 years of age or younger. However, you can contact our partner, Rock Insurance, on 0343 658 0253 to see if you can obtain a quote on an alternative policy.

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You must be a UK resident to participate.

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You must confirm that you have read and agreed with the medical declaration.

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Need additional cover options for your trip?

Car Hire Excess Cover

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Not available for {{singleQuote.MainData.Product.Name}} There no excess for Premier Plus Option added

Business Cover Option

We will pay you up to a maximum of £1,000 Standard or Premier/£1,500 Premier Plus in total per Trip, for accidental loss, theft or damage to Your Business Equipment. We will also pay for any emergency courier expenses You have incurred, in obtaining any Business Equipment which is essential to Your intended business itinerary.

Car Hire Excess Cover Option

This Section covers You for any physical loss or damage to the Hire Vehicle for which You are responsible for under the terms of the Hire Agreement following a Fire, Lightning Strike, Explosion, Accident, Accidental Damage, Theft or Attempted Theft, Malicious Damage, Storm and Flood. This section includes loss or damage to Auto Glass, Roof, Tyres, Wheel Rims and the Under Body and Towing and Loss of Use.

Cruise Cover Option

 

If you intend spending more than one night and one day on a cruise ship during your trip then you must purchase the Cruise Cover.

Excess Waiver Option

Excess is reduced to nil when you have paid the premium for Excess Waiver except where stated in the Terms and Conditions

Exclude Baggage and Money Cover Option

 

Remove the baggage and personal money cover from your plan to lower your premium. 

Exclude Cancellation Cover Option

Remove the cancellation cover from your plan to lower your premium. 

Golf Cover Option

We will pay You up to a maximum of £1,000 Standard/£1,500 Premier/£2,000 Premier Plus per each Insured Person, for accidental loss, theft of or damage to Golf Equipment which You own.

Winter Sports Cover Option

 

If you have purchased an Economy, Standard, Premier or Premier Plus policy, are under 66 years of age and have paid the appropriate extra premium, you are covered when taking part in Winter Sports for the length of a single trip policy, or for 21 total days within an annual multi-trip policy. This policy will cover you when engaging in the following sports and activities on a non-competitive and non-professional basis during your trip (see the Terms and Conditions for full details and a list of activities NOT covered):

  • Cat Skiing (with guides)
  • Cross Country Skiing
  • Glacier Skiing
  • Ice Hockey
  • Langlauf (cross country skiing)
  • Monoskiing (not for time trials/speed skiing or racing)
  • Skiing on piste
  • Skiing or snow-boarding Off-piste (within local ski patrol guidelines)
  • Sledging/tobogganing
  • Snow Blading (no jumping, tricks)
  • Snow Bobbing
  • Snow Scooting
  • Snow Shoe Walking
  • Snow Shoeing
  • Snow Tubing Snowblading
  • Snowboarding on piste
  • Tobogganing
  • Protects against CDW excess charges up to £2,000
  • Includes cover for glass, under-body and tyres
  • Also covers towing charges, lost keys and even misfuelling

When you rent a hire-car, you get Collision Damage Waiver (CDW) insurance as part of the package. But should you return the car damaged, there will be an excess to pay on that CDW policy – and this is often between £500 and £1,500.

Our Car Hire Excess Insurance add-on starts at £2.65 per day and includes excess reimbursement to a limit of £2,000; and towing charges, key cover and misfuelling, each to a limit of £500.

Please note: The Car Hire Excess policy cover will ONLY cover the lead policy-holder named in the corresponding Travel Insurance policy. If you intend to purchase this Car Hire Excess add-on, please ensure you are the named lead driver on your car rental agreement. See Appendix 1 in the Travel Policy Terms and Conditions for full details.


Your Car Hire Excess Insurance quote is: {{carhire.Price.GrossPriceWithAllSurchargesAndMedicalScreenings}}

Your quote is:
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If you think you have a Pre-existing Medical Condition

Medical Screening Helpline: 0843 658 0204*

If you suspect you have a pre-existing medical condition that may not be covered under our basic travel insurance, there’s every chance that we can still cover you.

Our pre-existing medical conditions that may not be covered can be summed up as follows:

Has ANYONE travelling under this policy:

  • Been prescribed any medication, received any treatment, or attended any consultations, investigations or follow-ups, for ANY medical or psychological conditions in the last two years?
  • EVER been prescribed medication, received treatment or had investigations, for: a heart attack, angina, chest pain(s), or any other heart condition?
  • EVER suffered from blood clots, aneurysm or circulatory disease?
  • EVER suffered any form of stroke, TIA (transient ischaemic attack), or brain haemorrhage?

If the answer to any of the above is “Yes”, please call our dedicated Medical Screening Helpline on the phone number below.

Medical Screening Helpline: 0843 658 0204*

Our team of specialist medical screening experts will talk you through the process and ensure that your cover will meet your needs. An additional premium may be payable to cover the declared condition(s), and/or further terms we may impose.

*Calls to 084 and 0843 numbers are charged at 7p per minute plus your telephone company’s access charge

Pre-existing Medical Condition Declaration

Did you know that some Pre-existing Medical Conditions aren't covered under basic Travel Insurance? This means, if we don’t know about them before you travel, you may not be covered.

For the purposes of this insurance, a Pre-existing Medical Condition is considered to be:

  • any past or current Medical Condition that has given rise to symptoms or for which any form of treatment or prescribed medication, medical consultation, investigation or follow up/ check-up has been required or received during the 2 years prior to the commencement of cover under this policy and/or prior to any Trip; and
  • any cardiovascular or circulatory condition (e.g. heart condition, hypertension, blood clots, raised cholesterol, stroke, aneurysm) that has occurred at any time prior to the commencement of cover under this policy and/or prior to any Trip.

Please review the following questions:

Has ANYONE travelling under this policy:

  • Been prescribed any medication, received any treatment, or attended any consultations, investigations or follow-ups, for ANY medical or psychological conditions in the last two years?
  • EVER been prescribed medication, received treatment or had investigations, for: a heart attack, angina, chest pain(s), or any other heart condition?
  • EVER suffered from blood clots, aneurysm or circulatory disease?
  • EVER suffered any form of stroke, TIA (transient ischaemic attack), or brain haemorrhage?

If you have answered 'Yes' to any of the above questions in respect of yourself or ANYONE travelling under this policy, or you are unsure of the answer, you must select “Yes” in the “Yes/No” box and follow the instructions that come up.

Waived conditions:

If your pre-existing condition falls into any of the categories below, you do not need to inform us and can continue with your online purchase.

If you are sure you and anyone else travelling under this policy DO NOT have any Pre-existing Medical Conditions, please click the check box to confirm you have read and agreed to the Pre-existing Medical Condition declaration. The declaration includes a list of waived conditions, for which we will not require specialist screening.

Failure to disclose a Pre-existing Medical Condition

No claim arising directly or indirectly from any Pre-existing Medical Condition affecting any person travelling under this insurance will be covered unless You declare ALL conditions to Our Medical Screening Helpline (if not already included in the Waived Conditions list below, and acceptance criteria in this section) prior to the commencement of the trip and they are accepted for insurance in writing.

While most travel insurance companies include cover for medical emergencies, most policies exclude pre-existing medical conditions from cover. Without coverage for your pre-existing condition, you could end up paying costly hospital or emergency medical bills should your travel be interrupted with an unexpected medical emergency caused by a pre-existing medical condition.

Comparison of travel insurance

 

  Economy Standard Premier Premier PLUS
Medical Emergency & Repatriation £10 million £10 million £10 million £10 million
Emergency Dental Treatment £350 £350 £350 £350
Additional Accommodation and Travelling Costs £2,000 £2,000 £2,000 £2,000
Hospital Daily Benefit  N/A £25 per complete 24 hours of inpatient treatment; maximum £100 £25 per complete 24 hours of inpatient treatment; maximum £300 £25 per complete 24 hours of inpatient treatment; maximum £300
Cancellation or Curtailment £1,500 £2,000 £5,000 £10,000
Travel Delay
Delay  N/A £20 for first 12 hour period £10 for each additional 12 hour period up to £300 £20 for first 12 hour period £10 for each additional 12 hour period up to £400 £30 for first 12 hour period £15 for each additional 12 hour period up to £500
Holiday Abandonment £1,500 £2,000 £5,000 £10,000
Missed Departure On Your Outward Journey  N/A £750 £1,000 £1,500
Personal Luggage £1,500 £1,500 £2,000 £3,000
Single Item Limit £200 £200 £200 £300
Valuables Limit in total (limited to £75 if Insured Person is under 18) £200 £200 £200 £300
Luggage Delay On Your Outward Journey  N/A £50 per day up to £200 £75 per day up to £300 £100 per day up to £400
Personal Money £250 £250 £350 £525
Cash Limit (aged under 18) £50 £50 £50 £50
Passport & Travel documents (limited to £100 if Insured Person is under 18) £100 £100 £125 £200
Personal Liability £2 mil £2 mil £2 mil £2 mil
Personal Accident
Permanent Total Disablement £5,000 £15,000 £25,000 £50,000
Loss of one or more limbs, or total and irrecoverable Loss of Sight in one or both eyes £5,000 £15,000 £25,000 £50,000
Death benefit (aged 18 – 55) £2,500 £7,500 £12,500 £25,000
Death benefit (aged under 18) £1,000 £1,000 £1,000 £1,000
Legal Protection  N/A £15,000 £25,000 £50,000
Withdrawal of Services  N/A
£500 £750 £1,000
Catastrophe  N/A £1,000 £1,500 £2,500
Pet care  N/A £15 per day up to £150 £25 per day up to £250 £50 per day up to £500
UK Prescriptions £50 £50 £50 £75
UK Physiotherapy & Chiropractic £300 £300 £300 £500
Winter Sports Cover (Additional premium applies)
Cancellation £1,500 £2,000 £5,000 £10,000
Ski Equipment £200 £500 £1,000 £2,000
Single Item Limit – Owned £200 £250 £500 £1,000
Single Item Limit – Hired £200 £250 £500 £1,000
Ski Pass £50 per day to £200 £75 per day to £300 £75 per day to £300 £100 per day to £400
Piste Closure £10 per day to £100 £20 per day to £200 £20 per day to £300 £20 per day to £400
Avalanche Closure £10 per day to £100 £20 per day to £200 £20 per day to £300 £20 per day to £400
Ski Hire £10 per day to £100 £25 per day to £250 £50 per day to £500 £100 per day to £1000
Golf Cover (Additional premium applies)
Golf Equipment  N/A £1,000 £1,500 £2,000
Golf Equipment Hire  N/A £20 per day to £100 £20 per day to £150 £30 per day to £250
Non Refundable Golf Fees  N/A £100 £100 £150
Business Cover (Additional premium applies)
Business Equipment  N/A £1,000 £1,000 £1,500
Single Item Limit  N/A £500 £500 £500
Computer Equipment Single Article Limit  N/A £1,000 £1,000 £1,500
Samples Limit  N/A £500 £500 £500
Delayed Business Equipment  N/A £500 £500 £500
Emergency Courier  N/A £100 £100 £100
Business Equipment Hire  N/A £30 per day up to £300 £50 per day up to £500 £100 per day up to £1,000
Business Cash Money Limit  N/A £500 £1,000 £1,000
Replacement Employee  N/A £1,000 £1,000 £1,000

Comparison of travel insurance

 

  Economy Standard Premier Premier PLUS
Medical Emergency & Repatriation £10 million £10 million £10 million £10 million
Emergency Dental Treatment £350 £350 £350 £350
Additional Accommodation and Travelling Costs £2,000 £2,000 £2,000 £2,000
Hospital Daily Benefit  N/A £25 per complete 24 hours of inpatient treatment; maximum £100 £25 per complete 24 hours of inpatient treatment; maximum £300 £25 per complete 24 hours of inpatient treatment; maximum £300
Cancellation or Curtailment £1,500 £2,000 £5,000 £10,000
Travel Delay
Delay  N/A £20 for first 12 hour period £10 for each additional 12 hour period up to £300 £20 for first 12 hour period £10 for each additional 12 hour period up to £400 £30 for first 12 hour period £15 for each additional 12 hour period up to £500
Holiday Abandonment £1,500 £2,000 £5,000 £10,000
Missed Departure On Your Outward Journey  N/A £750 £1,000 £1,500
Personal Luggage £1,500 £1,500 £2,000 £3,000
Single Item Limit £200 £200 £200 £300
Valuables Limit in total (limited to £75 if Insured Person is under 18) £200 £200 £200 £300
Luggage Delay On Your Outward Journey  N/A £50 per day up to £200 £75 per day up to £300 £100 per day up to £400
Personal Money £250 £250 £350 £525
Cash Limit (aged under 18) £50 £50 £50 £50
Passport & Travel documents (limited to £100 if Insured Person is under 18) £100 £100 £125 £200
Personal Liability £2 mil £2 mil £2 mil £2 mil
Personal Accident
Permanent Total Disablement £5,000 £15,000 £25,000 £50,000
Loss of one or more limbs, or total and irrecoverable Loss of Sight in one or both eyes £5,000 £15,000 £25,000 £50,000
Death benefit (aged 18 – 55) £2,500 £7,500 £12,500 £25,000
Death benefit (aged under 18) £1,000 £1,000 £1,000 £1,000
Legal Protection  N/A £15,000 £25,000 £50,000
Withdrawal of Services  N/A
£500 £750 £1,000
Catastrophe  N/A £1,000 £1,500 £2,500
Pet care  N/A £15 per day up to £150 £25 per day up to £250 £50 per day up to £500
UK Prescriptions £50 £50 £50 £75
UK Physiotherapy & Chiropractic £300 £300 £300 £500
Winter Sports Cover (Additional premium applies)
Cancellation £1,500 £2,000 £5,000 £10,000
Ski Equipment £200 £500 £1,000 £2,000
Single Item Limit – Owned £200 £250 £500 £1,000
Single Item Limit – Hired £200 £250 £500 £1,000
Ski Pass £50 per day to £200 £75 per day to £300 £75 per day to £300 £100 per day to £400
Piste Closure £10 per day to £100 £20 per day to £200 £20 per day to £300 £20 per day to £400
Avalanche Closure £10 per day to £100 £20 per day to £200 £20 per day to £300 £20 per day to £400
Ski Hire £10 per day to £100 £25 per day to £250 £50 per day to £500 £100 per day to £1000
Golf Cover (Additional premium applies)
Golf Equipment  N/A £1,000 £1,500 £2,000
Golf Equipment Hire  N/A £20 per day to £100 £20 per day to £150 £30 per day to £250
Non Refundable Golf Fees  N/A £100 £100 £150
Business Cover (Additional premium applies)
Business Equipment  N/A £1,000 £1,000 £1,500
Single Item Limit  N/A £500 £500 £500
Computer Equipment Single Article Limit  N/A £1,000 £1,000 £1,500
Samples Limit  N/A £500 £500 £500
Delayed Business Equipment  N/A £500 £500 £500
Emergency Courier  N/A £100 £100 £100
Business Equipment Hire  N/A £30 per day up to £300 £50 per day up to £500 £100 per day up to £1,000
Business Cash Money Limit  N/A £500 £1,000 £1,000
Replacement Employee  N/A £1,000 £1,000 £1,000

Comparison of travel insurance

 

  Economy Standard Premier Premier PLUS
Medical Emergency & Repatriation £10 million £10 million £10 million £10 million
Emergency Dental Treatment £350 £350 £350 £350
Additional Accommodation and Travelling Costs £2,000 £2,000 £2,000 £2,000
Hospital Daily Benefit  N/A £25 per complete 24 hours of inpatient treatment; maximum £100 £25 per complete 24 hours of inpatient treatment; maximum £300 £25 per complete 24 hours of inpatient treatment; maximum £300
Cancellation or Curtailment £1,500 £2,000 £5,000 £10,000
Travel Delay
Delay  N/A £20 for first 12 hour period £10 for each additional 12 hour period up to £300 £20 for first 12 hour period £10 for each additional 12 hour period up to £400 £30 for first 12 hour period £15 for each additional 12 hour period up to £500
Holiday Abandonment £1,500 £2,000 £5,000 £10,000
Missed Departure On Your Outward Journey  N/A £750 £1,000 £1,500
Personal Luggage £1,500 £1,500 £2,000 £3,000
Single Item Limit £200 £200 £200 £300
Valuables Limit in total (limited to £75 if Insured Person is under 18) £200 £200 £200 £300
Luggage Delay On Your Outward Journey  N/A £50 per day up to £200 £75 per day up to £300 £100 per day up to £400
Personal Money £250 £250 £350 £525
Cash Limit (aged under 18) £50 £50 £50 £50
Passport & Travel documents (limited to £100 if Insured Person is under 18) £100 £100 £125 £200
Personal Liability £2 mil £2 mil £2 mil £2 mil
Personal Accident
Permanent Total Disablement £5,000 £15,000 £25,000 £50,000
Loss of one or more limbs, or total and irrecoverable Loss of Sight in one or both eyes £5,000 £15,000 £25,000 £50,000
Death benefit (aged 18 – 55) £2,500 £7,500 £12,500 £25,000
Death benefit (aged under 18) £1,000 £1,000 £1,000 £1,000
Legal Protection  N/A £15,000 £25,000 £50,000
Withdrawal of Services  N/A
£500 £750 £1,000
Catastrophe  N/A £1,000 £1,500 £2,500
Pet care  N/A £15 per day up to £150 £25 per day up to £250 £50 per day up to £500
UK Prescriptions £50 £50 £50 £75
UK Physiotherapy & Chiropractic £300 £300 £300 £500
Winter Sports Cover (Additional premium applies)
Cancellation £1,500 £2,000 £5,000 £10,000
Ski Equipment £200 £500 £1,000 £2,000
Single Item Limit – Owned £200 £250 £500 £1,000
Single Item Limit – Hired £200 £250 £500 £1,000
Ski Pass £50 per day to £200 £75 per day to £300 £75 per day to £300 £100 per day to £400
Piste Closure £10 per day to £100 £20 per day to £200 £20 per day to £300 £20 per day to £400
Avalanche Closure £10 per day to £100 £20 per day to £200 £20 per day to £300 £20 per day to £400
Ski Hire £10 per day to £100 £25 per day to £250 £50 per day to £500 £100 per day to £1000
Golf Cover (Additional premium applies)
Golf Equipment  N/A £1,000 £1,500 £2,000
Golf Equipment Hire  N/A £20 per day to £100 £20 per day to £150 £30 per day to £250
Non Refundable Golf Fees  N/A £100 £100 £150
Business Cover (Additional premium applies)
Business Equipment  N/A £1,000 £1,000 £1,500
Single Item Limit  N/A £500 £500 £500
Computer Equipment Single Article Limit  N/A £1,000 £1,000 £1,500
Samples Limit  N/A £500 £500 £500
Delayed Business Equipment  N/A £500 £500 £500
Emergency Courier  N/A £100 £100 £100
Business Equipment Hire  N/A £30 per day up to £300 £50 per day up to £500 £100 per day up to £1,000
Business Cash Money Limit  N/A £500 £1,000 £1,000
Replacement Employee  N/A £1,000 £1,000 £1,000

Comparison of travel insurance

 

  Economy Standard Premier Premier PLUS
Medical Emergency & Repatriation £10 million £10 million £10 million £10 million
Emergency Dental Treatment £350 £350 £350 £350
Additional Accommodation and Travelling Costs £2,000 £2,000 £2,000 £2,000
Hospital Daily Benefit  N/A £25 per complete 24 hours of inpatient treatment; maximum £100 £25 per complete 24 hours of inpatient treatment; maximum £300 £25 per complete 24 hours of inpatient treatment; maximum £300
Cancellation or Curtailment £1,500 £2,000 £5,000 £10,000
Travel Delay
Delay  N/A £20 for first 12 hour period £10 for each additional 12 hour period up to £300 £20 for first 12 hour period £10 for each additional 12 hour period up to £400 £30 for first 12 hour period £15 for each additional 12 hour period up to £500
Holiday Abandonment £1,500 £2,000 £5,000 £10,000
Missed Departure On Your Outward Journey  N/A £750 £1,000 £1,500
Personal Luggage £1,500 £1,500 £2,000 £3,000
Single Item Limit £200 £200 £200 £300
Valuables Limit in total (limited to £75 if Insured Person is under 18) £200 £200 £200 £300
Luggage Delay On Your Outward Journey  N/A £50 per day up to £200 £75 per day up to £300 £100 per day up to £400
Personal Money £250 £250 £350 £525
Cash Limit (aged under 18) £50 £50 £50 £50
Passport & Travel documents (limited to £100 if Insured Person is under 18) £100 £100 £125 £200
Personal Liability £2 mil £2 mil £2 mil £2 mil
Personal Accident
Permanent Total Disablement £5,000 £15,000 £25,000 £50,000
Loss of one or more limbs, or total and irrecoverable Loss of Sight in one or both eyes £5,000 £15,000 £25,000 £50,000
Death benefit (aged 18 – 55) £2,500 £7,500 £12,500 £25,000
Death benefit (aged under 18) £1,000 £1,000 £1,000 £1,000
Legal Protection  N/A £15,000 £25,000 £50,000
Withdrawal of Services  N/A
£500 £750 £1,000
Catastrophe  N/A £1,000 £1,500 £2,500
Pet care  N/A £15 per day up to £150 £25 per day up to £250 £50 per day up to £500
UK Prescriptions £50 £50 £50 £75
UK Physiotherapy & Chiropractic £300 £300 £300 £500
Winter Sports Cover (Additional premium applies)
Cancellation £1,500 £2,000 £5,000 £10,000
Ski Equipment £200 £500 £1,000 £2,000
Single Item Limit – Owned £200 £250 £500 £1,000
Single Item Limit – Hired £200 £250 £500 £1,000
Ski Pass £50 per day to £200 £75 per day to £300 £75 per day to £300 £100 per day to £400
Piste Closure £10 per day to £100 £20 per day to £200 £20 per day to £300 £20 per day to £400
Avalanche Closure £10 per day to £100 £20 per day to £200 £20 per day to £300 £20 per day to £400
Ski Hire £10 per day to £100 £25 per day to £250 £50 per day to £500 £100 per day to £1000
Golf Cover (Additional premium applies)
Golf Equipment  N/A £1,000 £1,500 £2,000
Golf Equipment Hire  N/A £20 per day to £100 £20 per day to £150 £30 per day to £250
Non Refundable Golf Fees  N/A £100 £100 £150
Business Cover (Additional premium applies)
Business Equipment  N/A £1,000 £1,000 £1,500
Single Item Limit  N/A £500 £500 £500
Computer Equipment Single Article Limit  N/A £1,000 £1,000 £1,500
Samples Limit  N/A £500 £500 £500
Delayed Business Equipment  N/A £500 £500 £500
Emergency Courier  N/A £100 £100 £100
Business Equipment Hire  N/A £30 per day up to £300 £50 per day up to £500 £100 per day up to £1,000
Business Cash Money Limit  N/A £500 £1,000 £1,000
Replacement Employee  N/A £1,000 £1,000 £1,000

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