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You must be able to agree to the following health declaration (or refer to screening)
You can now buy this travel insurance policy online - select 'Fortis' for the insurer when you obtain the quote
Excess only £35.00 (which can be deleted) - other than excess for damage to rented holiday accommodation (£250)
Can include winter sports, business equipment, wedding and golf cover
Can include vehicle breakdown cover in UK and Europe
Annual policies allow independent travel by adults and children if accompanied by adult
24 Hour emergency medical helpline
Wide range of medical conditions covered without referral
| 1.A Cancellation | up to £5,000 |
| 1.B Curtailment | up to £5,000 |
| 2 Medical Expenses | Up to £10,000,000 |
| 3 Hospital Benefit | Up to £1,000 - £20 per day |
| 4 Personal Accident | Up to £25,000 (£10,00 death) under 16s death benefit is £1,000 |
| 5 Personal belongings | Up to £1,500 - valuables limit £300, single article limit £200 |
| 6 Temporary loss of belongings | Up to £100 if lost for over 12 hours |
| 7 Personal money and documents | Up to £400 - Cash £200 per adult, £50 per child |
| 8 Loss of passport | Up to £250 |
| 9 Personal Liability | Up to £2,000,000 |
| 10 Missed departure | Up to £750 e.g. due to car breaking down en route to airport |
| 11 Legal expenses | Up to £25,000 - excludes claims against Tour operator |
| 12 Delay | Up to £100 - £20 for each full 12 hour period - or you can cancel if delayed in UK for more than 12 hours. The 12 hour period is difference between expected and actual arrival at final destination |
| 13 Mugging | Up to £500 (£100 per 24 hours if a claim made under section 3 |
| Winter Sports Equipment | Up to £500 (hired equipment limit is £100) |
| Ski Hire | Up to £150 - cost of hiring equipment (£10 per day) |
| Ski Pack | Up to £250 - if injured and unable to use pack |
| Piste closure due to weather | Up to £300 - between 10.12 and 30.4 - £30 per day |
| Avalanche Closure | Up to £500 - arrival/ departure delayed - £50 per full 24 hours |
Not every winter sport is covered! The following ARE:
If you intend other forms of winter sports this policy is probably not suitable for you - please contact us on 00870 0669294 for our "Adventures" contract.
NB Liability for use of motorised equipment/ vehicle is not covered.
Other sporting activities that ARE covered.
And you should check any other policies to see what they say about these features
A trip starts and ends at your usual home in the British Isles (one way trips can be accommodated)
Medical excess is deleted if you use an EHIC where applicable (you don't need an EHIC for this policy to be valid)
Medical expenses are NOT covered following attempted suicide, deliberate self-injury, solvent abuse or the effect of alcohol or drugs
Policy allows driving of motorcycles over 125cc PROVIDING you have a current licence allowing you to do so.
Medical expenses Includes cost of transport home, including a body + cost of sending a replacement out if you are on a business trip
You ARE covered for medical expenses for injuries caused by "war, invasion, acts of terrorism, hostilities, civil unrest, revolution, rebellion, act of foreign enemy or similar event." BUT You must follow any suggestions or recommendations made by any Government or other Authority before or during the period of insurance. See here for the Foreign and Commonwealth Office Website
Please don't use the numbers for other reasons