Benefit

Value

Premium

Superior

Excess

£100

£70

£50

Cancellation

£1,000

£2,000

£5,000

Curtailment

£1,000

£2,000

£5,000

Delayed Departure

£20 for the first 12 hours, £20 for all other 12 hours up to £200

£35 for the first 12 hours, £20 for all other 12 hours up to £255

£40 for the first 12 hours, £25 for all other 12 hours up to £315

Abandoning your trip

£1,000

£2,000

£5,000

Missed Departure

£500

£1,000

£1,000

Personal Accident

Up to £20,000

Up to £30,000

Up to £50,000

Loss of Limbs or sight (aged under 66)

£20,000

£30,000

£50,000

Permanently disabled (aged under 66)

£20,000

£30,000

£50,000

Death Benefit (aged 18 to 65)

£10,000

£15,000

£20,000

Death Benefit (aged under 18)

£2,500

£2,500

£2,500

All benefits (aged 66 and Over)

£2,500

£2,500

£2,500

Medical Expenses

£20,000

£25,000

Unlimited

Repatriation

£20,000

£25,000

Unlimited

Hospital Benefit

£20 for every 24 hours up to £1,500

£30 for every 24 hours up to £1,500

£40 for every 24 hours up to £1,600

Personal Belongings and Baggage

£1,000

£1,300

£2,000

Single article, pair or set limit

£200

£250

£250

Valuables limit in total

£200

£250

£250

Alcohol & tabacco limit

£25

£50

£50

Baggage delay

£25 for every 12 hours for purchase made up to £75

£50 for every 12 hours for purchase made up to £150

£75 for every 12 hours for purchase made up to £300

Personal Money

£300

£400

£500

Cash Limit (aged 18 and over)

£300

£350

£400

Beach Cash Limit

£50

£100

£100

Cash Limit (aged under 18)

£25

£50

£50

Passport & Travel Documents

£250

£300

£500

Hijack Cover

N/A

£50 per day up to £500

£50 per day up to £500

Personal Liability

£2,000,000

£2,000,000

£2,000,000

Legal Expenses

£50,000

£50,000

£50,000

Pet Care

N/A

£20 a day up to £200

£30 a day up to £300

Scheduled Airline Failure

£1,500

£2,500

£5,000

Supplier Insolvency

N/A

Up to £2,500

Up tp £5,000

Accommodation Cover

£500

£750

£1,000

Winter sports cover (Covered as standard on annual multi-trip cover, or as an additional option on single trip cover)

Winter Sports Equipment (Owned)

£200

£300

£500

Single article, pair or set limit

£100

£150

£300

Hired total
Ski Hire
Ski Pack
Piste Closure
Avalanche Cover

£100
£10 per day up to £100
£50 per day up to £200
£10 per day up to £100
£150

£150
£20 per day up to £200
£75 per day up to £300
£20 per day up to £200
£250

£300
£40 per day up to £400
£75 per day up to £450
£40 per day up to £400
£400

The benefit levels shown are the maximum amount payable.

Important Notes

1. If you claim for one benefit marked with ayou will have to pay:

  • Value - the first £100 per person
  • Standard - the first £75 per person
  • 5 Star Superior cover - the first £50 per person (maximum £100 for any claim except Scheduled Airline Failure Insurance)

2. If your claim is for more than one benefit marked with ayou will have to pay:

  • Value - the first £100 per person for each benefit you claim
  • Standard - the first £75 per person for each benefit you claim
  • 5 Star Superior cover - the first £50 per person only (maximum £100 for any claim except Scheduled Airline Failure Insurance)

3. Value cover has lower benefit amounts, a higher excess and no cover for any pre-existing medical conditions. This means that we are able to offer cover at lower prices.

4. This does not replace the Policy Summary document, which you should read before you buy this insurance. The full details of the cover can be found in the Policy Document.