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Individual Definitions
Territorial Classifications
Types and Overall Limits of Cover

Individual Definitions

Insured	Means an insured person who must be under 65 years of age at the date of departure. Please note that in the case of Extended Stay insurance the maximum age for cover is 39 years. Please enquire with regard to persons outside this criteria by calling us on 0845 345 1236 or emailing us at enquiries@ukInsuranceNet.com.
Partner	Means the spouse or common law partner of an insured person who must be under 65 years of age at the date of departure.
Children	Children under 19 years of age at the date of departure and dependent cost 50% of the premium and infants under 2 years of age, are free of charge, both when accompanied by another insured person paying full premium.
Family Cover	Two Adults plus up to 4 dependent children (under 19 years of age at the date of departure).

Territorial Classifications

Area 1	The Continent of Europe west of the Ural mountains including its' neighbouring islands and non-European countries bordering the Mediterranean.
Area 2	Australia and New Zealand
Area 3	Anywhere in the World

Types and Overall Limits of Cover

Standard insurance for individual trips						Multi-trip	Extended stay trips
		Silver	Gold	Gold Plus	Winter Sports		Silver	Gold
A	Medical expenses	£1,000,000	£1,000,000	£10,000,000	£10,000,000	£10,000,000	£1,000,000	£1,000,000
	Emergency assistance	Unlimited	Unlimited	Unlimited	Unlimited	Unlimited	Unlimited	Unlimited
B	Sending you home in an emergency	£500,000	£500,000	£1,000,000	£1,000,000	£1,000,000	£500,000	£500,000
C	Personal accident	£10,000	£10,000	£30,000	£30,000	£30,000	£10,000	£10,000
D	Personal liability	£1,000,000	£1,000,000	£2,000,000	£2,000,000	£2,000,000	£1,000,000	£1,000,000
E	Legal expenses	£50,000	£50,000	£50,000	£50,000	£50,000	£50,000	£50,000
F	Missed departure	£500	£500	£1,000	£1,000	£1,000	£500	£500
G	Personal belongings	Nil	£500	£2,000	£2,000	£2,000	Nil	£500
	Delayed baggage	Nil	Nil	£400	£400	£400	Nil	Nil
	Personal money	Nil	Nil	£500	£500	£500	Nil	Nil
	Passport	Nil	£200	£300	£300	£300	Nil	£200
H	Cancelling & cutting trip short	Nil	£1,000	£3,000	£3,000	£3,000	Nil	£1,000
I	Travel delay	Nil	£300	£300	£300	£300	Nil	£300
J	Hospital benefit	Nil	£500	£2,000	£2,000	£2,000	Nil	£500
K	Mugging	Nil	Nil	£100	£100	£100	Nil	Nil
L	Hijack	Nil	Nil	£2,000	£2,000	£2,000	Nil	Nil
M	Disaster	Nil	Nil	£500	£500	£500	Nil	Nil
N	Domestic pets	Nil	Nil	£200	£200	£200	Nil	Nil
	Concierge service	Unlimited	Unlimited	Unlimited	Unlimited	Unlimited	Unlimited	Unlimited
O	Piste closure	Nil	Nil	Nil	£200	£200	Nil	Nil
P	Avalanche	Nil	Nil	Nil	£100	£100	Nil	Nil
Q	Ski hire	Nil	Nil	Nil	£300	£300	Nil	Nil

Additional Benefits

Business Cover

R	Replacing staff	Nil	Nil	£1,500	Nil	£1,500	Nil	Nil
S	Business samples & documents	Nil	Nil	£500	Nil	£500	Nil	Nil

Optional Cover

Scheduled airline failure

£3,000

This is a guide only. Please read the terms and conditions of this insurance.