General Terms & Conditions

In the event of a dispute the full policy wording shall prevail"

Your travel insurers, would like to draw your attention to the important features of your travel insurance policy as follows:

Policy Document:

You should read the document carefully. It gives you full details of what is and is not covered and the conditions of the cover. Cover will vary from policy to policy and insurer to insurer.

Conditions, Exclusions and Warranties:

Conditions and exclusions will apply to individual sections of your policy while general exclusions, conditions, and warranties will apply to the whole of your policy.


Your policy contains restrictions regarding pre-existing medical problems concerning the health of the people travelling and/or other people upon whose health the trip may depend. You are advised to read your policy carefully.

Dangerous Sports and Pastimes:

If you are going to take part in dangerous sports or pastimes where there is a high risk of injury, check that your policy covers you.

Property Claims:

These claims are paid based on the value of the goods at the time you lose them and not on a "new for old" or replacement cost basis, unless otherwise stated in your policy.

Policy Limits:

Most sections of your policy have limits on the amount the insurer will pay under that section. Some sections also include other specific limits, for example: for any one item or for valuables in total. You are advised to check your policy if you intend taking expensive items with you.

Policy Excesses:

Under most sections of the policy, claims will be subject to an excess. This means that you will be responsible for paying the first part of the claim. The amount you have to pay is the excess.

Reasonable Care:

You need to take all reasonable care to protect yourself and your property.


Your insurance policy will have in it a complaints procedure, which tells you what steps you can take if you need to make a complaint.

"Cooling-Off" Period:

Your policy may contain a "cooling off" period during which you can return the policy and get a refund, if you have justifiable reason for being dissatisfied with the cover it provides.

Your policy is governed by the law in the country that you reside in within the United Kingdom, unless you and your insurers have agreed otherwise.

The person selling the travel insurance, or the insurance documentation, will identify you insurer.

If you would like more information, you should ask the person selling the travel insurance, particularly if you feel the insurance may not meet your needs.