As the warm holiday season approaches, we all wish to organise a fantastic trip to foreign countries. What is important to know about is your travel insurance. Here is Churchill travel insurance at a glance :
Under most sections, you will not be covered for the first £75 of any event unless otherwise stated.
Medical and Other Expenses.
The most Churchill will pay in total for each person is as follows:
– Medical expenses £10 million
– Emergency dental expenses £250
– Funeral expenses £2,500
– Hospital benefit £1,000
What medical expenses are covered :
– If you are ill or injured or you die on a trip, we will pay all necessary and reasonable expenses, up to the policy limits above, for:
– Medical and hospital treatment (including ambulance and rescue services to take you to hospital); and
– Emergency dental treatment to treat sudden pain up to £250 only.
Extra travel and accommodation expenses
– Extra travelling expenses to return to your home in the UK.
– Extra accommodation expenses if your illness or injury forces you to stay longer than you had originally booked.
– The travel and accommodation expenses for one person to stay with you and travel home with you, if this is medically advised.
Cancellation
The most Churchill will pay in total for each person is as follows:
Cancellation £3,000
What is covered :
Will pay you for all unused travel and accommodation costs (including excursion, car hire and other charges) that you have paid or are under contract to pay, if it is necessary and unavoidable for you to cancel your trip before you leave your home or place of business, whichever is later, for one of the following reasons.
– You become ill or are injured and a qualified doctor certifies that it is medically necessary for you to cancel your trip.
– You die.
– A close relative or close business associate of yours living in the UK is ill, injured or dies.
– Anyone you had planned to stay with or travel with is ill, injured or dies.
– You or anyone you are travelling with are not able to travel or are instructed to stay at home by the police (or other recognised emergency services) due to serious damage to your home or place of business in the UK caused by fire, aircraft, explosion, storm, flood, subsidence, vandalism or theft.
Curtailment (cutting short your trip)
The most Churchill will pay in total for each person is as follows:
Curtailment £3,000
Important to note the following
– Payment for a claim for unused accommodation, travel or other costs will cover the proportional costs for the number of days of use lost and will be worked out from the date you return home.
For example, if you curtail halfway through your trip, we will only consider paying half the amount you originally paid for the trip.
What is covered :
We will pay you all reasonable travel expenses and any unused pre-booked travel and accommodation costs (including excursion, car hire and other charges) that you have paid or are under contract to pay, if it is necessary and unavoidable for you to urgently return to the UK for one of the following reasons.
– You become ill or are injured and the doctor treating you certifies that it is medically necessary for you to return to the UK.
– You die.
– A close relative or close business associate of yours living in the UK is ill, injured or dies.
– Anyone you had planned to stay with or travel with is ill, injured or dies.
– You have to go into hospital due to an accident, illness or injury that occurs during your trip and you spend over 24 hours as an inpatient.
Personal possessions, luggage, money & passport
The most Churchill will pay in total for each person is as follows:
Personal possessions and luggage £1,500 (This can be increased to £3,000 if you buy extra cover – annual policy only)
Delayed luggage – emergency replacement items £200
Important extra limits are shown below
– £300is the most we will pay for high-risk items in total for each person.
– £300is the most we will pay for any single item. A camera with attachments or a matching set of earrings and necklace, for example, are considered as a single item.
What is covered :
– Loss or theft of or damage to your personal possessions and luggage.
– The extra expenses you may have to pay to replace your passport or travel documents if they have been lost, stolen or damaged outside the UK.
– Replacing essential toiletries, medication and clothing if your luggage is delayed for more than 12 hours after your arrival at your final outward destination.
Personal money
This covers your travel money against loss or theft. If you make a claim, you will need to provide evidence that you had the money, so keep any receipts you have.
If your money is lost or stolen and you report it to the police, we will pay a single emergency cash advance of up to £100 for each insured adult, for each incident. You must then repay this amount when you return home or Churchill can take it from the amount they pay for your claim. Churchill will not offer a cash advance under any other circumstances. Churchill will pay you up to £500 if your personal money is lost or stolen while you are on your journey.
The cash or bank note limit is £250 for each adult and £125 for each child.
What is covered :
– Loss or theft of your money.
Passport
– If you lose your passport during your journey, Churchill will pay you up to £500 for reasonable extra travel and accommodation costs abroad while you arrange a replacement.
Important exclusions
Churchill will not pay for any claim unless you report the loss to the police or British Consular Representative within 24 hours of discovering it. Excess is £75 .
Abandoning your trip, delayed and missed departure
Your Churchill Explorer policy does not provide any cover under this.
Personal accident
The most Churchill will pay for any one accident is £30,000 in total for each person.
Age of insured person :
– 16 to 64 : £30,000 for death / £30,000 for permanent and total disability or loss of a limb or an eye.
– 15 and under : £2,500for death / £2,500for permanent and total disability or loss of a limb or an eye.
– 65 and over : £2,500 for death / £2,500for loss of a limb or an eye (no payment will be made for permanent and total disability).
What is covered :
If you suffer accidental bodily injury and, as a direct result, you are disabled or die within 12 months, you will receive one of the relevant payments shown above.
Personal liability
The most Churchill will pay in total for each policy is £2 million for personal liability.
What’s covered :
If you are found legally liable to pay compensation for any claim or series of claims arising from any one event that happens during a trip and that causes accidental:
– Bodily injury, illness or death to any person; or
– Loss or damage to someone else’s property.
Legal assistance
The most Churchill will pay in total for each policy for legal expenses is £50,000 .
What’s covered :
Legal costs to help you claim damages or compensation:
– For injury, illness or death, which happens during your trip
– Following a dispute about an agreement you have for your trip
If you are arrested or held by authorities during your journey, Churchill will pay up to £250 for your first consultation with a local solicitor.
Catastrophe
The most Churchill will pay in total for each policy for catastrophe is £1,000.
What is covered :
If, during your trip, you are forced to move from your pre-booked and prepaid accommodation because one of the following events means you can no longer stay there.
– Fire, lightning, explosion, earthquake, tidal wave, storm, avalanche, hurricane, flood or medical epidemic.
