5 star Defaqto rated Worldwide Travel Insurance

We’ve gone out of our way to think of every eventuality - from a missed connection to a closed piste. This is no ordinary travel insurance.

• Quality cover – with a five-star rating from the independent experts at Defaqto.
• Extra long cover – for trips of up to 90 days and 31 days for winter sports.
• Family protection -Cover for you, your partner and any children aged under 18 if they are unmarried (or aged 23 or under if in full-time education), permanently residing with you or the other parent.
• Includes over 70s – there’s no need to pay an extra premium because of your age.

General cover

• Baggage - up to £2500 per person.
• Personal money - up to £500 per person.
• Personal accident - up to £100,000 per adult, £25,000 for dependent 18 to 23 year olds and £2,000 per child.
• Cancellation and curtailment - up to £10,000 per person.
• Personal liability - up to £2 million per policy.
• Travel delay - up to £250 per person.
• Missed connections - up to £500 per person.
• Failure of public transport - up to £1000 per person.

Medical cover

• Medical and emergency expenses - up to £10,000,000 per person.
• Hospital benefit - up to £700 per person.
• Legal costs - up to £50,000 per person.
• Cosmetic surgery - up to £2500 per person, whilst in the UK.
• Dental expenses - up to £100 per person.

Winter sports cover

• Ski pack - up to £250 per person per week for prepaid pass, school, hire fees if unused due to illness or injury.
• Loss/damage to ski equipment - up to £400 per person.
• Costs of hired skis - up to £200 per person.
• Piste closure - up to £30 per day per person if you’re unable to ski.
• Physiotherapy - following a skiing accident, up to £350 per policy.

Main exclusions

• Existing medical conditions – if you have an existing medical condition, you must call us on 0845 266 8801 Minicom 08456 00 05 12. Calls may be recorded. You’ll need to complete a short medical questionnaire. We may be able to provide cover at no extra cost for your pre-existing medical conditions, there may be an extra premium or we may be unable to cover you.
• Dependent children – must be under 18 at the start date of the journey (or under 23 and in full time education). They must also be living at the home address (or with the other parent), unmarried and not entered into a Civil Partnership.
• The party – any guests added to the policy must be travelling with the account holder.
• UK trips – these must be pre-booked, at least two nights in duration and a minimum of 25 miles from your home address.

To make a claim on your Black Account 5 Star Defaqto rated Worldwide Travel Insurance, call 0845 266 8801. Minicom 08456 00 05 12.

Lines are open Monday to Friday 8am-6pm (except bank holidays). Please have your account number to hand. Calls may be recorded.

If you need emergency assistance, call +44 (0) 125 230 8793. Call charges may apply.

• How do I register for travel insurance?
• Where can I find my policy number?
• Do I need to take my policy with me when I go on holiday?
• How can I get a copy of my policy?
• Can I add other cover to my policy?
• Who is covered under the policy?
• Does the policy cover holidays in the UK?
• What’s the longest holiday that can be covered under the policy?

How do I register for travel insurance?

You don’t need to register. Cover is provided automatically unless you have an existing medical condition. If you have an existing medical condition, you must call us on 0845 266 8801. Minicom 08456 00 05 12. Calls may be recorded. You may have to pay an extra premium or cover may be declined.

Where can I find my policy number?

We don’t issue policy numbers. Instead you can use our generic number AP21840319.

Do I need to take my policy with me when I go on holiday?

Your policy may come in handy if you have to seek medical attention – so we recommend you take it.

How can I get a copy of my policy?

You can:

• Download a copy of the Black Account Travel Insurance Policy (PDF, 722KB)

If you would like a hard copy of the policy, call us on 0845 601 7188. Lines are open Monday to Friday 8am-8pm and Saturdays 9am-5pm. Minicom 08456 00 02 12. Calls may be recorded.

Can I add other cover to my policy?

Yes, you can add business, wedding, golf and hazardous activity cover. Call us on call 0845 266 8801, Minicom 08456 00 05 12, for more information. Lines are open Monday to Friday 8am-8pm and Saturdays 9am-5pm. Calls may be recorded. There’s an extra premium for this cover.

Who is covered under the policy?

Apart from you, the policy also covers your partner and any dependent children. Dependent children must be:

• Under 18 at the start date of the journey (or under 23 and in full-time education)
• Living at the home address (or with the other parent)
• Unmarried and not entered into a civil partnership

You can pay to add adult guests to the policy, as long as they’re travelling with you. Call us on call 0845 266 8801, Minicom 08456 00 05 12, for more information. Lines are open Monday to Friday 8am-8pm and Saturdays 9am-5pm. Calls may be recorded.

Does the policy cover holidays in the UK?

Yes, provided your UK holiday involves pre-booked accommodation of at least two nights and is at least 25 miles from your home.

What’s the longest holiday that can be covered under the policy?

The maximum length of trip is 90 days and 31 days for winter sport holidays. You can request an extension to trip length.