Key Policy Changes

Policy Changes Effective from 01/09/2024

This details the main changes to the updated policy wording. It does not contain a record of every amendment or those made to individual client policies. Please ensure that you read in full any documentation provided in conjunction with the updated policy wording to determine the full terms, conditions, limitations and exclusions of the policy cover.

IPID changes
Where relevant, references to Multi Trip have been changed to Annual Multi Trip.

Policy wording changes

Under the policy information section, there has been a new definition added as below:

  • TRAVELLING COMPANIONS NOT INSURED WITH US – This policy does not cover any costs or expenses for a person not insured by this policy. For example, if you pay for someone else’s accommodation and have to cancel the trip. You won’t be able to claim for ‘the person who you are travelling with’ accommodation costs.

Under the cancelling your trip section, the cancellation terms in regards to pregnancy have been updated:

  • ‘…The booked return date must be after you will be 28 weeks pregnant (24 weeks for multiple births).’

Under the cutting short your trip section – If you have to cut short your trip, an addition has been made to additional costs to return home early:

  • In the event that we are medically repatriating you and you have no pre-booked and paid return trip, the cost of the economy flight(s) will be deducted from your claim.

Under the emergency medical expenses and medical repatriation section – If you need emergency medical treatment abroad & If you need to be brought home, an addition has been made to medical repatriation:

  • In the event that we are medically repatriating you and you have no pre-booked and paid return trip, the cost of the economy flight(s) will be deducted from your claim.

Under the money and travel documents section, there is no cover for:

  • Losses arising due to debit or credit card fraud or any unauthorised use of such cards.

Under the sports and activities section, the terms in regards to two sport activities have been updated:

  • Off Piste Snowboarding: (within patrolled resort boundaries)

(winter sports extension required)

  • Off Piste Skiing: (within patrolled resort boundaries)

(winter sports extension required)

  • Skiing / Snowboarding – Back country (outside of resort boundaries in unpatrolled areas), with a guide (winter sport extension required)

Extension changes – Applicable to all extension policies where relevant

Under the policy extension information there has been a new definition added as below:

  • TRAVELLING COMPANIONS NOT INSURED WITH US – This policy does not cover any costs or expenses for a person not insured by this policy. For example, if you pay for someone else’s accommodation and have to cancel the trip. You won’t be able to claim for ‘the person who you are travelling with’ accommodation costs.

Under the delay and abandonment section – If you are delayed:

  • The delay benefit is now applied for your whole trip and not each time you are delayed. Customers will be able to claim for cancelled departure or additional transport costs, but not both. For detailed terms of each section, refer to the wording.

Under the delay and abandonment section – If you decide to abandon your travel plans:

  • If you are on the outward leg of your journey (to your pre-booked final destination) from the UK and delayed by at least 12 hours due to one of the reasons listed, you can claim for unused travel and accommodation costs.

Under the delay and abandonment section – cutting your trip short, an addition has been made to additional costs to return home early:

  • In the event that we are medically repatriating you and you have no pre-booked and paid return trip, the cost of the economy flight(s) will be deducted from your claim.

Policy Changes Effective from 19/12/2023

This details the main changes to the updated policy wording. It does not contain a record of every amendment or those made to individual client policies. Please ensure that you read in full any documentation provided in conjunction with the updated policy wording to determine the full terms, conditions, limitations and exclusions of the policy cover.

IPID changes

Under the what is insured section the following change has been made:

  • There is no longer any cover for End Supplier Failure

Under the medical section of the policy there has been a change made to the hospital benefit as below:

  • A customer no longer has to be admitted to a public facility. Both private and public admittances will be considered.
  • There has been a removal of accommodation confinement benefit

Policy wording changes

Under the medical section of the policy there has been a change made to the hospital benefit as below:

  • A customer no longer has to be admitted to a public facility. Both private and public admittances will be considered.
  • There has been a removal of accommodation confinement benefit

There is no longer any cover for End Supplier Failure. Therefore, changes have been made to the following sections of the policy:

  • Your pre-travel policy – trip disruption before you travel section
  • Your travel policy – trip disruption during your trip section
  • Making a complaint section

Policy Changes Effective from 01/09/2023

Main policy:

There is a new condition under the ‘Special Conditions’ listing of the Sports and Activities section which will affect some activities as detailed below:

  • # Pre-registered (individual or group) organised competition

There are two new definitions detailed within the policy wording as detailed below:

  • War – Armed conflict between nations, invasion, act of foreign enemy, hostilities (whether war declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.
  • Crew – Employed staff that work and operate on a ship, aircraft or train whilst in flight/motion (this does not include ground staff or baggage handlers).

There is a new benefit under the ‘Delay and Abandonment’ section as detailed below:

  • Additional transport costs outside the UK

The ‘Delay and Abandonment’ section has been updated to include the above benefit as well as making it clearer to customers as to what their options are.

There has been a change made to point 14 under the ‘Medical Definitions’ which can be found under the ‘Medical Section’ of cover as detailed below:

  • Any claim arising as a result of you driving a motor car or riding motorcycle unless you have a full UK licence, or valid CBT certificate (DL196), are following the local safety laws and you are riding on recognised roads. In respect of motorcycling the engine capacity must be 125cc or lower, unless you have paid the additional premium and your policy schedule confirms you have the appropriate optional activity pack to include cover for activities involving motorcycles with the specified increased engine capacity). Riding/use of quad bikes and ATV’s is excluded unless you have paid the additional premium and your policy schedule confirms you have the appropriate optional activity pack to include cover for these activities. Riding/use of electronic scooters is not covered at any time.

There has been a change made to the ‘Unattended’ definition which can be found under the ‘Personal Belongings’ section, as detailed below:

  • When not in transit where you or anyone travelling with you, who has your authority to be in control of your personal baggage, are not in full view of your property, or are not able to stop a third party from taking or interfering with your property.  While in transit baggage (excluding gadgets and valuables and electronic equipment) must be held in a hold or luggage area as required by the public transport carrier

There has been a change made to point 5 under the ‘Personal Accident’ and ‘Legal Expense’ section as detailed below:

  • Any claim arising as a result of you driving a motor car or riding motorcycle unless you have a full UK licence, or valid CBT certificate (DL196), are following the local safety laws and you are riding on recognised roads. In respect of motorcycling the engine capacity must be 125cc or lower, unless you have paid the additional premium and your policy schedule confirms you have the appropriate optional activity pack to include cover for activities involving motorcycles with the specified increased engine capacity). Riding/use of quad bikes and ATV’s is excluded unless you have paid the additional premium and your policy schedule confirms you have the appropriate optional activity pack to include cover for these activities. Riding/use of electronic scooters is not covered at any time.

Extension policy main changes

There has been a change made to the ‘Unattended’ definition which can be found under the ‘Personal Belongings’ section, as detailed below:

  • When not in transit where you or anyone travelling with you, who has your authority to be in control of your personal baggage, are not in full view of your property, or are not able to stop a third party from taking or interfering with your property.  While in transit baggage (excluding gadgets and valuables and electronic equipment) must be held in a hold or luggage area as required by the public transport carrier

There is a new definition detailed within the policy wording as detailed below:

  • War – armed conflict between nations, invasion, act of foreign enemy, hostilities (whether war declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.

Large scale event extension policy

There is a new benefit under the ‘Delay and Abandonment’ section as detailed below:

  • Additional transport costs outside the UK

The ‘Delay and Abandonment’ section has been updated to include the above benefit as well as making it clearer to customers as to what their options are.