Business Travel Insurance Cover

Click on Basic, Light, Standard or Premier to view the levels of cover for each type of policy.

Business Annual Multi-trip
Standard Cover

Cover	Level	Excess
Cancellation	up to £3,000	£50*
Curtailment	up to £3,000	£50*
Catastrophe Cover	Up to £1,000	£50
Withdrawal of Services	£50 per day up to £250	None
Schedule Airline Failure	Up to £3,000	None
Medical Expenses	Up to £10 million	£75*
Hospital Benefit	£30 per day up to £900	None
Mugging Benefit	£40 per day up to £400	None
Personal Effects & Baggage	Up to £1,500	£50
- Single Item Limit	Up to £500
- Valuables Limit in Total	Up to £500
- Travel Documents	Up to £250
- Delayed Baggage	£50 per day up to £150
Personal Money	Up to £500	£50
- Cash Limit	Up to £200
- Cash Limit (under 18)	Up to £50
Travel Delay	£20 for first 12 period, £20 per each additional; 12 hour period, up to £300	None
Holiday Abandonment	Up to £3,000	£50
Pet Care	£10 per day up to £100	None
Hijack	£50 per day up to £500	None
Missed Departure	Up to £800	£50
Personal Accident	Max. £20,000	None
- Loss of Limbs or Sight	£20,000
- Permanent Total Disablement	£20,000
- Death Benefit (18-65)	£10,000
- Death Benefit (65-69)	£2,500
- Death Benefit (under18)	£2,500
Personal Liability	£2 million	£100
Legal Expenses	Up to £15,000	£250

* Double excess applies to insured persons aged 66 and over.

Business Cover
Business Equipment	Up to £2,000	£50
- Single Item Limit	Up to £500
- Computer Equipment Single Item Limit	Up to £1,500
- Samples	Up to £500
- Delayed Business Equipment	£100 per day up to £300
- Emergency Courier of Essential Business Equipment	Up to £500
Business Equipment Hire	£150 per day up to £750	£50
Business Money	Up to £1,000	£50
Cash Limit	up to £500
Employee Replacement	up to £1,000	£50

Optional Cover (when additional premium is paid):

Additional Wintersports Cover (when appropriate premium is paid)
Ski Equipment	Up to £500	£50
- Owned	Up to £500
- Single item Limit (Owned)	Up to £250
- Hired	Up to £250
Ski Hire	£20 per day up to £200	None
Ski Pack	£75 per day up to £300	None
Piste Closure	£20 per day up to £200	None
Avalanche Closure	Up to £250	£50

Additional Golf Cover (when additional premium is paid)
Golf Equipment	Up to £1,000	£50
- Single item Limit (Owned)	Up to £250
Golf Hire	£25 per day up to £150	None
Green Fees	£50 per day up to £300	None

Cover	Level	Excess
Cancellation	up to £5,000	£50*
Curtailment	up to £5,000	£50*
Catastrophe Cover	Up to £1,000	£50
Withdrawal of Services	£50 per day up to £250	None
Schedule Airline Failure	Up to £5,000	None
Medical Expenses	Up to £10 million	£75*
Hospital Benefit	£50 per day up to £1,000	None
Mugging Benefit	£50 per day up to £500	None
Personal Effects & Baggage	Up to £2,000	£50
- Single Item Limit	Up to £500
- Valuables Limit in Total	Up to £500
- Travel Documents	Up to £250
- Delayed Baggage	£50 per day up to £150
Personal Money	Up to £750	£50
- Cash Limit	Up to £250
- Cash Limit (under 18)	Up to £100
Travel Delay	£20 for first 12 period, £20 per each additional; 12 hour period, up to £300	None
Holiday Abandonment	Up to £5,000	£50
Pet Care	£10 per day up to £100	None
Hijack	£50 per day up to £500	None
Missed Departure	Up to £1,000	£50
Personal Accident	Max. £20,000	None
- Loss of Limbs or Sight	£20,000
- Permanent Total Disablement	£20,000
- Death Benefit (18-65)	£10,000
- Death Benefit (65-69)	£2,500
- Death Benefit (under18)	£2,500
Personal Liability	£2 million	£100
Legal Expenses	Up to £25,000	£250

* Double excess applies to insured persons aged 66 and over.

Business Cover
Business Equipment	Up to £2,000	£50
- Single Item Limit	Up to £500
- Computer Equipment Single Item Limit	Up to £1,500
- Samples	Up to £500
- Delayed Business Equipment	£100 per day up to £300
- Emergency Courier of Essential Business Equipment	Up to £500
Business Equipment Hire	£150 per day up to £750	£50
Business Money	Up to £1,000	£50
Cash Limit	up to £500
Employee Replacement	up to £1,000	£50

Optional Cover (when additional premium is paid):

Additional Wintersports Cover (when appropriate premium is paid)
Ski Equipment	Up to £500	£50
- Owned	Up to £500
- Single item Limit (Owned)	Up to £250
- Hired	Up to £250
Ski Hire	£20 per day up to £200	None
Ski Pack	£75 per day up to £300	None
Piste Closure	£20 per day up to £200	None
Avalanche Closure	Up to £250	£50

Additional Golf Cover (when additional premium is paid)
Golf Equipment	Up to £1,000	£50
- Single item Limit (Owned)	Up to £250
Golf Hire	£25 per day up to £150	None
Green Fees	£50 per day up to £300	None