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NEVER TRAVEL WITHOUT IT.
Our Travel Insurance is arranged by Elect Travel Insurance and is underwritten by White Horse Insurance Ireland Limited.
Travel Insurance can only be sold to those clients arranging their travel arrangements with Air Travel Corporation.
EUROPE
INDIVIDUAL - SINGLE TRIP
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Gold Policy under 55 years
Premiums quoted in £s.
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Cost p/p |
| 1 to 5 days |
£14 |
| 6 to 10 days |
£18 |
| 11 to 17 days |
£19 |
| 18 to 24 days |
£21 |
| 25 to 31 days |
£23 |
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Platinum Policy under 55 years
Premiums quoted in £s.
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Cost p/p |
| 1 to 5 days |
£16 |
| 6 to 10 days |
£21 |
| 11 to 17 days |
£23 |
| 18 to 24 days |
£25 |
| 25 to 31 days |
£28 |
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Gold Policy 55 - 73 years
Premiums quoted in £s.
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Cost p/p |
| 1 to 5 days |
£20 |
| 6 to 10 days |
£29 |
| 11 to 17 days |
£34 |
| 18 to 24 days |
£38 |
| 25 to 31 days |
£40 |
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Platinum Policy 55 - 73 years
Premiums quoted in £s.
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Cost p/p |
| 1 to 5 days |
£21 |
| 6 to 10 days |
£31 |
| 11 to 17 days |
£38 |
| 18 to 24 days |
£41 |
| 25 to 31 days |
£44 |
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Gold Policy 74 - 79 years
Premiums quoted in £s.
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Cost p/p |
| 1 to 5 days |
£22 |
| 6 to 10 days |
£32 |
| 11 to 17 days |
£39 |
| 18 to 24 days |
£44 |
| 25 to 31 days |
£46 |
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Platinum Policy 74 - 79 years
Premiums quoted in £s.
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Cost p/p |
| 1 to 5 days |
£24 |
| 6 to 10 days |
£35 |
| 11 to 17 days |
£43 |
| 18 to 24 days |
£48 |
| 25 to 31 days |
£50 |
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EUROPE
FAMILY - SINGLE TRIP*
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Gold Policy
Premiums quoted in £s.
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Cost p/p |
| 1 to 5 days |
£56 |
| 6 to 10 days |
£77 |
| 11 to 17 days |
£85 |
| 18 to 24 days |
£90 |
| 25 to 31 days |
£90 |
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Platinum Policy
Premiums quoted in £s.
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Cost p/p |
| 1 to 5 days |
£61 |
| 6 to 10 days |
£85 |
| 11 to 17 days |
£92 |
| 18 to 24 days |
£97 |
| 25 to 31 days |
£113 |
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*Includes 2 Adults under 55. Please add £3.50 per child (max 4 children under 18)
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ANNUAL MULTI TRIP
GOLD UNDER 55
( NO WINTER SPORTS )
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ANNUAL MULTI TRIP
PLATINUM UNDER 55
( NO WINTER SPORTS )
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Europe
Premiums quoted in £s.
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Cost p/p |
| Individual |
£45 |
| Couple |
£80 |
| Family* |
£96 |
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Europe
Premiums quoted in £s.
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Cost p/p |
| Individual |
£50 |
| Couple |
£87 |
| Family* |
£110 |
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*Family includes 2 Adults under 55. Please add £4.00 per child (max 4 children under 18)
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*Family includes 2 Adults under 55. Please add £4.00 per child (max 4 children under 18)
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ANNUAL MULTI TRIP
GOLD SENIOR 55 - 74
(NO WINTER SPORTS)
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ANNUAL MULTI TRIP
PLATINUM SENIOR 55 - 74
(NO WINTER SPORTS)
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Europe
Premiums quoted in £s.
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Cost p/p |
| Individual |
£70 |
| Couple |
£102 |
| Family* |
£132 |
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Europe
Premiums quoted in £s.
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Cost p/p |
| Individual |
£83 |
| Couple |
£117 |
| Family* |
£147 |
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*Family includes 2 Adults under 55. Please add £4.00 per child (max 4 children under 18)
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*Family includes 2 Adults under 55. Please add £4.00 per child (max 4 children under 18)
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Single Trip & Annual Multi-Trip Summary of Cover
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Gold |
Platinum |
Excess |
| Medical Expenses |
£5,000,000 |
£10,000,000 |
£75 |
| Emergency Dental Expenses |
£200 |
£200 |
£75 |
| Emergency Assistance |
Unlimited |
Unlimited |
Nil |
| Sending You Home In an Emergency |
£500,000 |
£2,000,000 |
£75 |
| Personal Accident Up to |
£10,000 |
£25,000 |
Nil |
| Death |
£5,000 |
£5,000 |
Nil |
| Death (Insured's under 16) |
£1,000 |
£1,000 |
Nil |
| Personal Liability |
£1,000,000 |
£2,000,000 |
£250 |
| Legal Expenses |
£15,000 |
£15,000 |
Nil |
| Missed Departure |
£500 |
£1,000 |
£50 |
| Personal Belongings |
£500 |
£2,000 |
£50 |
Single Article Limit
*No cover for valuable items |
*£100 |
£150 |
£50 |
| Valuables Limit |
No Cover |
£200 |
£50 |
| Cash Limit |
£100 |
£150 |
£50 |
| Cancellation & Curtailment |
£750 |
£3,000 |
£50 |
| Travel Delay |
No Cover |
£300 |
Nil |
| Abandonment |
£750 |
£3,000 |
£50 |
| Hospital Benefit |
£500 |
£2,000 |
Nil |
Wintersports Cover - additional benefits
(applicable only where the additional premium has been paid) |
| Piste Closure |
No Cover |
£200 |
Nil |
| Avalanche |
No Cover |
£100 |
Nil |
| Ski Hire |
No Cover |
£500 |
Nil |
Business Cover - additional benefits
(applicable only where the additional premium has been paid) |
Business Equipment
Single Article Limit |
No Cover
No Cover |
£1,000
£500 |
£50
£50 |
| Delayed Business Samples |
No Cover |
£250 |
Nil |
| Delayed Business Equipment |
No Cover |
£500 |
Nil |
| Business Money |
No Cover |
£250 |
£50 |
| Computer Equipment |
No Cover |
£1,000 |
£50 |
| Replacement Employee |
No Cover |
£3,000 |
£50 |
MEDICAL CONDITIONS
Please note that No Cover is afforded under any section of this insurance
policy for any claims arising from or related to a pre-existing medical
condition which You or anyone else upon whom Your travel is dependent
knew about, or could have reasonably been expected to have known
about prior to the purchase of this insurance policy.
However, we are pleased to advise that MediCover have been appointed to provide cover for those clients affected. the telephone number to call is 0870 735 3600.
For further information with regard to pre-existing medical conditions
please read Your policy wording paying careful attention to the General
Exclusions and sections A, B, H and S of the policy.
If you wish to read the full policy prior to purchase then this is available
upon request.
Any clarification can be obtained from Select Insurance Intermediaries on telephone 0870 737 0870. Calls to this number are charged at National Rates.
Please note some important criteria for each policy.
Single Trip
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Children must be under the age of 18 (17 years at date of departure). These also receive a 50% discount on an adult rate, as long as they are travelling with a full fare paying adult. Please also note that children up to the age of 21 in full-time education benefit from this also.
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Children under 2 years are free at date of travel, if travelling with a fully paid adult.
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Standard rate for travellers up to the age of 74 years at date of departure.
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Travellers aged 75-79 years at date of departure can travel to Europe only, at double standard rate (Australia and New Zealand and Worldwide = NO COVER).
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Travellers aged 70-79 years at date of departure can only travel to a maximum of 31 days duration (80+ = NO COVER).
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Late booking discount of 10% is available. Travel must commence with 14 days of the date of issue.
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Business cover has a loading of 10% and can be added to Platinum cover only.
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Cancellation and Curtailment section, if removed, will provide a 15% discount (Gold and Platinum cover only).
Annual
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Maximum age 74 years at date of departure.
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Maximum duration for any one trip is 45 days (excludes 70-74).
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Travellers aged 70-74 years at date of departure, travelling worldwide, can only travel to a maximum of 31 days in any one trip.
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Wintersports includes 17 days cover on the Platinum product only.
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No discounts available in respect of Late Bookings and Cancellation & Curtailment, respectively.
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No Business upgrade available single trip only.
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Children may not travel independently on a family policy.
Rating Structure For High Risk Activities
Please find to follow a list of high risk activities and their respective rating. Please examine this list carefully. If there is an activity which you regularly sell but is not on the list, then please contact the Association.
Column A: Provides loading for cover if the activity is undertaken on an occasional and incidental basis. Add category number indicated in Column A to activate the correct premium for coverage.
Column B: Provides loading for cover if the activity or activities are the sole purpose of the holiday or travel. Add category number indicated in Column B to activate the correct premium for coverage.
Where a loading is applicable it must be paid in advance of travel and will never be covered unless a specific category endorsement has been provided which has been agreed by both Select Insurance Intermediaries and the respective underwriter. Failure to pay the appropriate premium in respect of hazardous and sporting activities could render the policy
VOID.
Key
Category 1 = Activity included in standard premium
Category 2 = standard premium multiplied by 125%
Category 3 = standard premium multiplied by 150%
Category 4 = standard premium multiplied by 200%
Category 5 = standard premium multiplied by 225%
Category 6 = NO COVER
Category 7 = standard premium multiplied by 300%
* = In Coastal waters only
** = See Wintersports Cover below
Wintersports Cover
If you have selected the Wintersports policy your client will be covered for the following activities automatically within the Wintersports premium:
- Skiing
- Land-skiing
- Mono-skiing
- Cross-country skiing
- Heli-skiing
- Off-piste skiing
- Snow boarding
- Ski boarding
- Snowmobile
- Sledging
- Luging
- Tobaganning
- Ice skating
Once you have selected the Wintersports cover you do not need to add an activity loading (category 1 to 7) to the policy for any of the Wintersports activities.
The Wintersports policy does not cover Ice Hockey. Ice Hockey cannot be covered.
| ACTIVITY |
Col. A |
Col. B |
ACTIVITY |
Col. A |
Col. B |
| Abseiling |
6 |
6 |
Luging/Tobogganing ** |
5 |
5 |
| Amateur Football |
1 |
1 |
Marathon Runner |
1 |
2 |
| American Football |
1 |
4 |
Mono Skiing ** |
5 |
5 |
| Archery |
1 |
1 |
Motor Sport |
6 |
6 |
| Badminton |
1 |
1 |
Mountain Biking |
1 |
2 |
| Ballooning |
1 |
4 |
Mountaineering |
6 |
6 |
| Baseball |
1 |
3 |
Off Piste Skiing ** |
5 |
5 |
| Basketball |
1 |
3 |
Orienteering |
1 |
2 |
| Big Game Hunting |
1 |
1 |
Outward Bound Pursuits |
1 |
2 |
| BMX Racing |
1 |
1 |
Parachute Jumping |
6 |
6 |
| Bobsleigh |
6 |
6 |
Paragliding |
1 |
3 |
| Bowls |
1 |
1 |
Parascending |
1 |
2 |
| Boxing |
1 |
4 |
Polo |
1 |
4 |
| Bungee Jumping |
6 |
6 |
Pony Trekking |
1 |
4 |
| Canoeing |
1 |
2 |
Pot Holing |
6 |
6 |
| Canyoning |
6 |
6 |
Quad Biking |
1 |
6 |
| Catamaran Sailing |
1 |
2 |
Racket Ball |
1 |
2 |
| Clay Pigeon Shooting |
1 |
1 |
Rambling |
1 |
1 |
| Cricket |
1 |
1 |
Reindeer & Husky Rides |
1 |
1 |
| Cross Country Skiing |
5 |
5 |
Rock Climbing (free) |
6 |
6 |
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Rock Climbing (less than 2,000
metres) |
7 |
7 |
| Cycling |
1 |
1 |
Roller Skating |
1 |
2 |
| Deep Sea Fishing |
1 |
2 |
Rounders |
1 |
1 |
| Dingy Sailing |
1 |
1 |
Rowing |
1 |
1 |
| Dry Skiing |
1 |
1 |
Rugby |
1 |
3 |
| Endurance Events |
1 |
4 |
Safari Trekking |
1 |
1 |
| Fell Running |
1 |
2 |
Sail Boarding |
1 |
2 |
| Fell Walking |
1 |
2 |
Sailing* |
1 |
1 |
| Fencing |
1 |
2 |
Scuba Diving |
1 |
1 |
| Fishing |
1 |
1 |
Shooting/Hunting |
1 |
1 |
| Flying |
6 |
6 |
Ski-Boarding ** |
5 |
5 |
| Football |
1 |
4 |
Ski-Dooing ** |
5 |
1 |
| Gliding |
6 |
6 |
Skiing ** |
5 |
5 |
| Go Karting |
1 |
6 |
Sledging ** |
5 |
5 |
| Golf |
1 |
1 |
Snow/Boarding ** |
5 |
5 |
| Gymnastics |
1 |
1 |
Snow-Mobile ** |
5 |
5 |
| Hang Gliding |
6 |
6 |
Squash |
1 |
1 |
| Heli-Skiing |
5 |
5 |
Street Hockey |
1 |
1 |
| High Diving |
1 |
4 |
Surfing |
1 |
2 |
| Hockey |
1 |
2 |
Tennis |
1 |
1 |
| Horse Riding |
1 |
4 |
Trekking/Hiking (less than
2,000 metres) |
1 |
1 |
| Ice Climbing |
6 |
6 |
Walking/trekking (up to 5,000
metres) |
3 |
3 |
| Ice Hockey |
6 |
6 |
Walking/trekking above 5,000 metres |
6 |
6 |
| Ice Skating |
1 |
2 |
Volley Ball |
1 |
1 |
| Jet Skiing |
1 |
3 |
War Games/Paint Bowling |
1 |
2 |
| Jousting |
1 |
2 |
Water Polo |
1 |
1 |
| Judo |
1 |
3 |
Water Skiing |
1 |
4 |
| Karate |
1 |
3 |
Weight Lifting |
1 |
1 |
| Kite Surfing |
1 |
1 |
White Water Rafting (Level 4) |
1 |
1 |
| Lacrosse |
1 |
3 |
Windsurfing |
1 |
1 |
| Land Skiing |
5 |
5 |
Yachting* |
1 |
2 |
All above policies are only available to persons resident in the United Kingdom or Channel Islands at the time of purchase.
This policy will not cover anything other than what is clarified and has the following exclusion for you to be aware of within the policy wording. If you are unsure then please request a copy of the policy wording.
Please read all aspects of the insurance cover above. If you are unsure about any condition please ask. Complete wording available on request.
We operate a Clients Money Trust Account which means that we cannot cash in your payment for ground arrangements until you return to the UK. Your flights will be supplied by an ATOL holder. In other words, you can rest assured that your payments for all travel arrangements are fully protected. We are Retail Agents for ATOL holders.
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