Travel Insurance > Glossary

The travel insurance glossary contains the following terms

Annual Multi-Trip insurance policy

This type of travel insurance policy covers you for any number of trips during the 12-month period of the insurance policy.

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Baggage cover

Your travel insurance may include baggage cover. Please see your quotation for details. If included, baggage cover covers your personal belongings (clothing, suitcases, valuables and jewellery). Your home or Kit and personal possessions or Kit and Contents insurance may already cover your personal belongings whilst your are travelling.

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Business travel cover

This is an optional extension to your travel insurance and will cover you for medical emergency expenses outside of the UK, loss of business equipment (mobile phones, portable personal computers, personal electronic organisers, calculators, dictaphones, portable facsimile machines, telephone modems, portable overhead projectors), business samples (small amounts of fabric or other commodity), which is owned by you or for which you are responsible and the purchase of essential replacement items or hiring of replacement business equipment.

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Cancellation and curtailment

This covers you for unused travel and accommodation if you have to cancel or cut short your holiday because of events beyond your control, for example, if you fall ill and you are unable to travel, or the death of a close relative. However, each insurer has slightly different criteria and we recommend you consult the travel insurance policy documents.

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Excess

The amount that you have to pay towards each and every travel insurance claim that you make.

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Geographical areas

For the purposes of our travel insurance products:

If you are travelling outside any of the above areas, you should select Worldwide cover.

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Golf cover

This is an optional extension to your travel insurance and will cover your golf equipment if it is lost, stolen or damaged and the cost of hiring replacement clubs. This also includes the costs of any pre-paid green fees which you are not able to use if you fall ill, are injured or adverse weather prevents you playing golf at a pre-booked course.

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Hazardous activities/sports

Hazardous activities/sports - Covered as standard
Angling (not at sea from a boat) Archery Badminton
Bowls Cross-country skiing* Curling
Cycling Dry slope skiing Go-karting
Golf Hiking Hill trekking
Horse riding Ice skating Jet skiing*
Motor cycling (up to 125cc)# Mountain biking Off piste skiing*
Orienteering Paragliding Parascending
Roller skating/blading Rowing  
Sailing (inland/coastal waters)# Scuba diving (depths of less than 30m)
Shooting Skiing* Snorkelling
Snow boarding* Snow mobiling*# Soccer
Squash Surfing Swimming
Tennis Tobogganing* Tug of war
Volleyball Water skiing Water polo
Windsurfing    

*Only where Winter Sports cover is selected. #No cover for Personal Liability.

In addition any activity not mentioned above that is undertaken as a resort activity forming part of a booked holiday is covered. If you have booked a holiday specifically to take part in a sport or activity not listed above and you have not agreed this with us before taking out the policy or booking a trip you will not be covered while taking part in that sport.

Other sporting activities may be covered if you select Hazardous Activity Insurance. Activities covered under the two levels of Hazardous Activity Insurance are as follows:

Level 1 - activities
abseiling, fencing, martial arts, piloting an aircraft, scuba diving (depths greater than 30m), sailing outside coastal waters, white water rafting and canoeing, high diving, microlighting, sea fishing from a boat, boxing, hot air ballooning, motor rallying or playing American football, polo, rugby or war games.

Level 2 - activities
bungee jumping, mountaineering, hang gliding, parachuting, rock climbing, pot holing, performing ski acrobatics and other dangerous skiing such as the use of bobsleighs or skeletons, ski jumping, heli-skiing, freestyle skiing, mogul skiing, ski-touring and ski racing in major events, if you plan to go on overland trips in Africa, Asia and South America exceeding 2 nights, expeditions (journeys of exploration) or playing ice hockey or professional sport.

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Piste closure

Insurance cover is provided in the event of a lack of snow or conditions which result in the total closure of skiing facilities at the resort to which you have booked to travel.

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Pre-existing disability or medical condition

This means any disability or medical condition which any insured person is currently suffering from or has suffered from in the past, but not limited to a condition:

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Scuba diving

Your travel insurance includes this cover up to a certain depth as standard. However, you can still increase this depth by adding our optional hazardous activities extension. Please see your on-line quotation for further details.

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Single-Trip insurance policy

This type of travel policy covers you for a single journey between the dates you specify.

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United Kingdom

England, Wales, Scotland, Northern Ireland, the Isle of Man and the Channel Islands, and journeys between these countries.

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Winter sports

This is an optional extension to your travel insurance and will cover events such as loss of ski equipment and ski passes, piste closure, ski hire/lessons.

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