Your travel insurance is provided by Acrisure and underwritten by Arch Insurance (authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (FRN229887) and the Prudential Regulation Authority).

All Sections, with the exception of Legal Expenses cover of the Policy Wording are underwritten by Arch Insurance (UK) Limited (authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority) and administered by Acrisure (authorised and regulated by the Financial Conduct Authority).

Legal Expenses Cover is underwritten by DAS Legal Expenses Insurance Company Limited (authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (FRN202106) and the Prudential Regulation Authority).

Claims under most sections of the policy are subject to an excess of £50. This means that you’ll be responsible for paying the first part of each claim. The excess will be deducted per person under each section where applicable.

Details of the excesses that apply can be found throughout the Summary of Policy Benefits on pages 3 – 5 of the Policy Wording.

To find out what is and isn’t covered under this travel insurance policy, please see the policy documents linked below:

Cover can be selected for employee only, employee and spouse, employee and children and employee and family.

We consider a common-law partner as any person who’s not related to you and who has been living at the same address as you in a domestic relationship for at least six consecutive months, at the commencement of the policy.

Cover can be selected for dependent children (includes adopted, foster and stepchildren) up to the age of 25 as long as they are in full time education and reside at the same address as you.

Acrisure will email your Evidence of Insurance Certificate to your company email address a few days after we’ve confirmed your cover selection to your employer.

If you misplace your certificate or would like like another copy, please contact us directly on 0800 980 2701.

The policy covers a range of sports and leisure activities, provided your involvement is recreational, amateur, and non-competitive only, including Winter Sports.

Please refer to page 22 to page 23 of the Policy Wording for a list of what sports and leisure activities are included and excluded.

Yes, for a maximum of 30 days per trip.

There’s no need to tell us about any pre-existing medical conditions.

All pre-existing conditions are covered unless an Insured Person is travelling against the advice of a Qualified Medical Practitioner or where a terminal complaint has been diagnosed or where the purpose of the Insured Journey is to receive medical treatment or advice.

No. However, you must not travel against the advice of a Qualified Medical Practitioner or have a terminal diagnosis or treatment abroad. If you go against this, then no cover is in force.

The cover under this policy is provided for unforeseen events. Normal pregnancy and childbirth aren’t considered to be unforeseen events.

Cover is only provided for claims arising from complications of pregnancy as defined on page 15 of the Policy Wording.

This policy provides cover for:

Cancellation

• If you test positive for COVID-19 within 14 days of the departure date of your trip,

Additional Travel and/or Accommodation Costs

If, following departure, you need to stay longer at your destination due to testing positive for COVID-19:

• (i) reasonable additional accommodation costs incurred at the Insured Person’s destination
• (ii) reasonable additional travel costs incurred in returning

provided that before your trip commencing, the Foreign, Commonwealth and Development Office (FCDO) hasn’t issued advice against all travel or all but essential travel to your intended destination(s), including any country or area where travelling.

Please note that apart from the cover listed above, there is no further cover provided COVID-19 and you’re advised to ensure that this policy meets your requirements.

You can’t claim under this policy for the cancellation or curtailment of your holiday if the FCDO, or similar, advise against “all” or “all but essential” travel to your destination, either prior to departure or during the duration of your trip.

Whilst we do understand that these situations where you may need to travel can be difficult, as standard, the policy won’t cover you at all if you’re travelling at such a time that the FCDO advise against “all” or “all but essential” travel to your destination.

Ultimately, the policy is intended to cover leisure trips only, but if you feel you need cover in exceptional circumstances, please contact us and we can refer your case to the insurer for consideration.

This policy offers a limited amount of cover under the section ‘Cancellation and Curtailment’ – see page 30 of the Policy Wording.

If you or anyone else insured tests positive or is required to isolate for COVID-19 up to 14 days before your insured trip, we’ll consider a claim for up to the amount insured.

Details of this cover can be found on page 31 of the Policy Wording.

There’s no cover for:

• War, terrorism, or related risks
• Pandemics and epidemics including COVID-19 (other than as detailed above)
• Travel against Foreign, Commonwealth and Development Office (FCDO) advice
• Hazardous sports and activities
• Professional sports
• Manual work in conjunction with any profession, business or trade
• Trips lasting longer than 60 days (in the event of a trip being more than 60 days, the entire trip wouldn’t be covered).
• Winter Sports trips lasting longer than 30 days (in the event of a trip being more than 30 days, the entire trip wouldn’t be covered).

Please refer to the Policy Wording for full details of all the policy terms, conditions, and exclusions.

This product is an Annual Multi-Trip Insurance that covers;

• Individual trips of up to 60 days’ duration
• Winter Sports trips up to 30 days’ duration

A trip that exceeds 60 days (or 30 days for Winter Sports) won’t be covered and all trips must take place entirely during the period of insurance.

This is the maximum amount paid for any one article, part or set of articles. A pair or set is any number of items that belong together or are used together.

This is the maximum amount paid for loss, theft, or damage to valuables. The definition of valuables can be found on page 18 of the Policy Wording.

A valuables limit of £300 applies to this policy.

While on holiday, loss, theft, or damage to baggage left in an unattended vehicle isn’t covered unless all items are kept out of sight in a locked glove or rear boot compartment, and the vehicle shows signs of forced entry.

There’s no cover for theft of valuables, personal money, travel documents or passports from unattended vehicles.

Emergency Assistance Service

Our service will provide advice on and where to arrange all appropriate medical treatment, travel and accommodation covered under medical and emergency travel expenses. In the event of a medical emergency overseas, please telephone:

• Tel: +44 (0)2070 822565
• Email: [email protected]

Non-Emergency Claims

For any non-emergency claims, please contact:

• Tel: 0345 0346740
• Email: [email protected]

Claims must be notified within 60 days after completion of the relevant trip.