Excesses

The excess is £75 per-person, per-claim for each section where an excess applies, other than under the Medical and Additional Expenses and Personal Liability sections, where it is £100 per-person, per-claim, per-section. * indicates that an excess is applicable.

Medical and Emergency Expenses* - up to £10,000,000(overseas only)

For a quick summary of cover, download the Policy Summary. If you'd like to know more, please download a Policy Document for the complete wording.

• emergency dental treatment for the immediate relief of pain.
• costs of burial or cremation in the country abroad where your death occurred plus the cost of conveying the ashes to your home address.
• costs of transporting your body to your home address.
• reasonable additional charges for accommodation if it is necessary for you to stay beyond the intended return date.
• travel expenses which you have to pay to get back to your home address if you cannot use your return ticket.
• expenses incurred in the repatriation of the insured to their home address if it is medically necessary following accidental bodily injury or illness during the period of insurance.

Rescue/Recovery* - up to £100,000(overseas only)

The necessary expense of an operation to rescue an Insured Person, whether injured or not, or to recover the body of the Insured Person who dies. Limit of Amount Payable: The total amount payable in respect of each insured is £100,000 and the maximum limit for recovery of a body is £5,000.

Hospital Incovenience Expenses - up to £1,000

Up to £20 for every complete 24 hour period you are hospitalised.

Personal Accident - up to £10,000

The following benefits are paid in the event of bodily injury suffered by you during the period of insurance caused by accident, resulting solely and independently of other causes in death or disablement.

Personal Liability* - up to £2,000,000

All sums which you become personally legally liable to pay in the event of: death or bodily injury of any person, loss of or damage to property. Excludes USA and Canada (Please see policy document for full details).

Personal Belongings (including cameras/watches)* - up to £2,000

Loss or damage during the period of insurance to personal effects (worn or carried as baggage) or to personal baggage in your custody and control up to £2000. Limits of Amount Payable: a) £350 in respect of any single article, pair or set of articles, b) £350 overall in respect of valuables. If baggage is temporarily lost in transit on the outward journey and not restored to you within 12 hours the policy will pay for the emergency purchase of essential replacement items up to £300 per insured in any one period of insurance.

Cancellation* - up to £5,000

Covers refund of deposits which are not recoverable and any other amount which you are legally obliged to pay in respect of unused travel and accommodation costs and other pre-paid charges (purchased prior to the date of departure from the United Kingdom and prior to any occurrence giving rise to a claim).

Delayed Departure - up to £100

In the event of the delay in departure of the ship or aircraft in which you are booked to travel the policy will:

• pay the sum of £20 for the first full 12 hours of delay and £10 for each subsequent full 12 hours of delay subject to a maximum payment of £100 in all per insured if you are delayed in departing from the UK on your outward journey or if delay occurs at the point of departure on the initial leg of your return journey to the UK, or;
• refund non-recoverable deposits and other pre-paid holiday charges up to a maximum of £5,000 if after 12 hours delayed departure of the outward journey from the UK you choose to cancel the holiday.

Missed Departure* - up to £500

Additional accommodation and travel expenses necessarily incurred in reaching your overseas destination or returning to the UK should you fail to arrive in time to board the vessel or aircraft in which you are booked to travel on the initial international leg of the journey or trip as a result of failiure of public transport or the vehicle in which you are travelling being the subject of an accident or breakdown.

Legal Expenses or Advice - up to £25,000

The legal costs which you, or your personal representative, incur to negotiate for your legal rights following a personal bodily injury or death. Overseas only.

Curtailment of Journey or Trip** - up to £5,000

Proportionate refund of unused travel and accommodation costs or charges in the event of unavoidable abandonment of the journey/trip as a result of any of the following occurring after the commencement of the journey or trip:

• accidental bodily injury, illness, quarantine or death of yourself, or your travelling companion, or of any person with whom you have arranged to stay.
• accidental bodily injury, serious illness or death of any close relative residing in the UK, or of any immediate relative residing elsewhere in the world, of your fiance(e) or of any close business associate in the UK or any insured under this policy.

Catastrophe Cover* - up to £500

Up to £500 for extra accomodation and transport costs you need to pay to move to other accomodation of a similar standard to that originally booked if, as a result of a fire, flood, earthquake or storm during your stay you cannot use the accomodation.

Personal Money* - up to £500

Loss or theft of cash, traveller's cheques, or travel tickets held for private, not business purposes.Limits of amounts payable: £250 for cash or banknotes, £125 if the insured is under 16 years of age.

Loss of Passport* - up to £250

Reasonable additional travel and accommodation expenses necessarily incurred abroad in obtaining a replacement passport.

Hijack - up to £1,000

Payment of £50 for each period of 24 hours the insured is prevented from reaching the scheduled destination through hijack of the aircraft on which the insured is travelling.

Annual Multi-Trip Policies

The policy is only in force for risks where the period of the holiday or journey does not exceed 45 days.

Territorial Limits

UK: England, Northern Ireland, Scotland and Wales
Europe: The United Kingdom, Andorra, Austria, Belarus, Belgium, Bosnia- Herzegovina, Bulgaria, Canary Islands, Channel Islands Croatia, Czech Republic, Denmark, Republic of Ireland, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Isle of Man, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Mediterranean Islands (including Majorca, Menorca, Ibiza; Corsica; Sardinia; Sicily; Malta, Gozo; Crete, Rhodes and other Greek Islands; Northern and Southern Cyprus), Moldova, Monaco, Morocco, Netherlands, Norway, Poland, Portugal, Romania, Russian Federation (West of Urals), Serbia and Montenegro, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey, and the Ukraine. Albania, although in Europe, is excluded from our definition. If you wish to visit Albania or are likely to travel outside the countries specified you need our Worldwide Region 1 cover.
Worldwide 1: Worldwide (excluding USA/Canada/Carribbean)
Worldwide 2: Worldwide (including USA/Canada/Carribbean)

Options

Extends the benefits under the policy to persons receiving remuneration for mountaineering activities (excluding liability arising from paid instruction). Overseas only.

Extends the benefits of the policy to cover £3,000 of baggage on payment of the appropriate premium.

For only 2.5x any selected policy premium, the benefits of this policy will be extended to cover two adults, under 65, and two of your children (up to 18 years inclusive). All family members must be BMC/MI/MCofS members.

For only 1.8x any selected policy premium, the benefits of that policy will be extended to cover two adults, under 65, living at the same address, who are married or living together as married. You must both be current BMC/MI/MCofS members.

Alpine & Ski and High Altitude & Remote Areas Policies Only

Avalanche Closure - up to £500

Additional travel and accommodation costs necessarily incurred after delay to the insured, either in arriving or not departing from the booked resort due to avalanche landslide or land slip.

Piste Closure - up to £300

In the event of total closure of skiing facilities in the resort to which the insured has pre-booked to travel, due to lack of snow conditions, the policy will pay the cost of transportation organised by the tour operator up to a maximum of £30 per day. This cover is only available for holidays:

1. To the Northern Hemisphere between the months of October and April.
2. To the Southern Hemisphere between the months of June and October.

Ski-Pack - up to £250

Proportional return of the irrecoverable pre-booked cost of the ski pack following injury or illness of the insured occurring during the period of the holiday. This will cover ski school, ski hire and lift pass costs.