Travel insurance policy optional covers

Tailor your travel cover to suit you

Read our optional covers booklet

Choose the perfect cover for your perfect trip

Whether you're skiing in the Swiss Alps or scuba diving in South Africa, it's simple to select additional covers that you need for your trip.

From a personal belongings cover limit of £1,500 to travel disruption cover up to £5,000, you can be covered from the airport runway all the way to the ocean.

Travel disruption cover

Child waiting in airport terminal during travel disruption

Extended cover for cancellation and abandonment due to:

  • The Foreign, Commonwealth & Development Office advising you against all or all but essential travel to your destination
  • A strike or industrial action means your transport is cancelled
  • A natural disaster renders your accommodation uninhabitable

Unfortunately, we won’t be able to cover you if you decide to travel against the advice of the Foreign, Commonwealth & Development Office (FCDO). You also won’t be covered for anything that had occurred, or was expected to occur, or if you knew, or could reasonably be expected to have known about it, at the time you take out your policy.

Airspace closure cover

Person waiting in airport following news of airspace closure

Extended cover for cancellation and abandonment due to:

  • The airspace, airport or port being closed
  • Your flight being cancelled due to volcanic ash

and there is no suitable alternative transport available for more than 24 hours from the time of your scheduled departure.

Unfortunately, we won’t be able to cover you if you decide to travel against the advice of the Foreign, Commonwealth & Development Office (FCDO). You also won’t be covered for anything that had occurred, or was expected to occur, or if you knew, or could reasonably be expected to have known about it, at the time you take out your policy.

Baggage cover

Child's luggage depicting scarf, hat, socks and a teddy bear

Covers your personal belongings and baggage during your trip if they’re lost or damaged.

  • Up to £1,500 per person (with a £100 excess per person)
  • Single item limit of £400
  • Total valuables limit of £400 per person

Remember, we aren’t able to pay any claims where you’ve left baggage or belongings deliberately unattended, or where you haven’t reported the event to the police within 24 hours of discovery, or as soon as reasonably possible.

Winter sports cover

Skier adjusting sunglasses

If you’re planning on hitting the slopes, this cover gives you extra protection while you’re taking part in certain winter sports activities.

  • Winter sports equipment up to £500 per person (with a £100 excess per person)
  • Avalanche delay up to £200
  • Piste closure limit  up to £300
  • Inability to take part due to illness or accidental injury up to £200

Unfortunately, we can’t cover claims where you’ve had your equipment taken from a motor vehicle or where you’ve taken part in an activity that’s not listed on your schedule.

Remember that to claim for any theft, you must report the incident to the police within 24 hours of discovery, or as soon as reasonably possible.

Golfing cover

Golfer preparing to take a shot

Cover for your clubs and equipment if they are lost, stolen or accidentally damaged. We’ll even cover non-refundable green fees if you’re ill or injured and unable to play golf.

  • Cover for golf clubs and equiment up to £1,500 per person, per trip (with a £100 excess per person)
  • Hired equipment covered up to £250
  • We'll refund your green fees up to £250 if you're not able to play (e.g. if you're injured or unwell)

Unfortunately, we can’t cover claims where you’ve had your equipment taken from a motor vehicle or where you haven’t reported the event to the police within 24 hours of discovery, or as soon as reasonably possible.

Scuba diving

Two people posing in scuba diving gear underwater

You’re already covered for diving up to 15m in depth, but with this optional cover this is extended to 30 metres (as long as you’re qualified).

Cover applies to recreational scuba diving up to a total of 31 days while you’re away.

Unfortunately you’re not covered for technical diving (for example free diving or cage diving). You must be accompanied by a qualified diving instructor or dive master and follow all the safety guidelines while diving.

Looking for a travel insurance quote?

Our Single Trip or Annual Multi-Trip travel insurance could help you with unexpected events in the UK or abroad. Get a quote with us today or first visit our travel insurance page to see full details of the cover we offer.

Contact us

Still need help? Give us a call

0345 030 8715

Monday to Friday: 8:00am - 8:00pm

Saturday: 8:30am - 5:00pm

Sunday: 10:00am - 4:00pm

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