Benefit

5 Star Superior Cover Amount Limit per person

Standard Amount
Limit per person

Value Amount Limit per person

Cancellation

£5,000

£1,500

£500

Curtailment

£5,000

£1,500

£500

Travel Delay / Abandonment

£40 after 12 hrs delay + £20 after next 12 hours to £400 / £5,000

£20 after 12 hrs delay, £10 after next 12 hrs etc. (max. £100) / £1,500

£10 after 12 hrs delay + £10 after next 12 hours to (max. £50 / £500

Missed Departure

£1,000

£250

Not Included

Personal Accident

Death £40,000 (£7,500 if under 16).
Loss of sight in one or both eyes, loss of limb, or Permanent Total Disability £40,000

Death £10,000 (£7,500 if under 16).
Loss of sight in one or both eyes, loss of limb, or Permanent Total Disability £10,000

Death £5,000 (£1,000 if under 16).
No cover provided for Loss of sight, loss of limb, or Permanent Total Disability.

Medical Expenses

Unlimited
(Funeral expenses £5,000, Emergency dental treatment £500)

Unlimited
(Funeral expenses £5,000, Emergency dental treatment £250)

Unlimited
(Funeral expenses £5,000, Emergency dental treatment £100)

Repatriation

Included in Medical

Included in Medical

Included in Medical

Compassionate Return

£300

Not Included

Not Included

Hospital Benefit

£1,000

£250

Not Included

Personal Effects and Baggage

£2,000 - including £400 Valuables, £400 Sports equipment, £400 Mobility Aids, Single Article Limit £400. Essential Medication forwarding costs - up to £300

£1,500 - including £250 Valuables, £250 Sports equipment, £250 Mobility Aids, Single Article Limit £250. Essential Medication forwarding costs - up to £250

£500 - including £100 Valuables, £100 Sports equipment, £100 Mobility Aids, Single Article Limit £100. Essential Medication forwarding costs - up to £100

Delayed Baggage

£75 after 12 hours

£75 after 12 hours

£50 after 12 hours

Personal Money

£500 (reduced to £100 if under 16)

£200 (reduced to £100 if under 16)

£100 (reduced to £50 if under 16)

Passport / Driving Licence - temporary replacement Costs

£300

£250

£100

Hijack Cover

£500(£50 per day)

£200 (£50 per day)

Not Included

Personal Liability

£2,000,000

£2,000,000

£2,000,000

Legal Expenses

£50,000

£25,000

£10,000

Catastrophe Cover

£1,000

£200

Not Included

Additional Pet Care Fees

£150

Not Included

Not Included

Scheduled Airline Failure
Insurance

-

£1,500 (Annual Cover Only)

£500 (Annual Cover Only)

End Supplier Failure

(including Scheduled Airline, Hotel, Tour Operator and Car Hire)

 

£5,000

Not included

Not included

OPTIONAL WINTER SPORTS EXTENSION
(only covered if you choose the Winter Sports cover option)

Winter Sports Equipment

Covered under Personal Property

Covered under Personal Property

Covered under Personal Property

Equipment Hire Charges

£50 / £500

£20 / £200

£20 / £200

Unused Ski Pass

£75 per week / £450

£75 per week / £300

£75 per week / £300

Piste Closure

£40 per day / £400

£20 per day / £200

£20 per day / £200

Avalanche Cover

£500

£100

£100

The benefit levels shown are the maximum amount payable.

Important Notes

2. 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.