Travel Insurance

Full details of cover will be sent with your holiday confirmation/invoice or you can download our FULL INSURANCE POLICY here

Summary of cover - The following is only a summary of the main cover limits and you should read the policy document for the full terms and conditions. All details correct as at date of print but subject to change without notice.

Section/cover Bronze cover limits (up to) Silver cover limits (up to) Gold cover limits (up to) Excess
24 hour personal assistance £250 £250 £250 nil
Cancellation or curtailment £500 £1500 £5000 £75 (£35 deposit)
Emergency medical & associated expenses £5 million £5 million £10 million £100
In-patient benefit £15 per day/ max £600 £15 per day/ max £600 £15 per day/ max £600
Loss of passport £200 £200 £300 nil
Delayed personal possessions £100 after 12 hours £100 after 12 hours £150 after 12 hours nil
Personal possessions £500 £1500 £2000 £75
Personal money £200 £200 £300 £75
Personal accident £5000 £10000 £25000 nil
Missed departure £300 £300 £1000 £75
Missed connection £500 £500 £500 nil
Delayed departure £20 first 8 hrs, £20 each extra 12 hrs, max £60 £20 first 6 hrs, £20 each extra 10 hrs, max £60 £20 first 6 hrs, £20 each extra 10 hrs, max £6 nil
Abandonment £500 £1500 £5000 £75
Personal liability £2 million £2 million £2 million nil
Legal expenses £15000 £25000 £25000 nil
Hijack/mugging n/a n/a £50/day max £500 nil
Petcare n/a n/a £50/day max £500 nil

Demands and needs

This travel insurance policy will suit the demands and needs of an individual, or group (where applicable) who have no excluded pre-existing medical conditions, are travelling to countries included within the policy terms and who wish to insure themselves against the unforeseen events detailed in the cover section below. Subject to terms and conditions and maximum specified claims limits.

Important: We will not provide you with advice about the suitability of this product for your individual needs but we will be happy to provide you with factual information.

Important information about your Channel Islands Direct Travel Insurance

We strongly recommend insurance to all our customers. Channel Islands Direct have arranged, through Holiday Extras, a holiday insurance. The applicable premium per person must be included with the deposit. Full details of cover will be sent with your holiday confirmation/invoice.

Insurer - The insurance is underwritten AWP Pac SA

Policy Document - The policy wording gives you full details of what is and what is not covered and what to do if you need to claim. It is very important that you read the whole of this policy before you travel and make sure the cover is suitable for you. Please make sure that you take it on holiday with you in case of an emergency. A copy of the policy wording is available on request, if you require full details of cover prior to buying this insurance, please ask us to send you a copy.

Policy Limits - Each section of the policy shows the most you can claim but other limits may apply. For example under the Personal Possessions Section there are other specific limits for any one item and for valuables (including photographic equipment). If you intend to take expensive items with you please check that you are fully covered.

Conditions and exclusions - Your policy does not cover all possible events and expenses. There are conditions and exclusions that apply to individual sections of the policy and general conditions and exclusions that apply to the whole policy.

Health declaration and exclusions - These apply to the cancellation or curtailment charges, Emergency medical and associated expenses and Personal accident sections. It is very important that you read and understand the following and if necessary declare any existing medical conditions to the screening service, Latitude, on 0800 093 6446. If you are travelling within the United Kingdom, Channel Islands or Isle of Man, it is a condition of this policy that you can comply with the following:
1. You are fit to travel and undertake your planned journey.
2. You are not travelling against medical advice or would have been advised not to travel if you had consulted your doctor.
3. You are not travelling with the purpose of having medical treatment or consultation.
4. You are not awaiting the outcome of any medical tests or an appointment at a medical facility for any medical investigations.

If we are unable to cover a medical condition, this will mean that any other person insured by us will not be able to make a claim arising from the medical condition(s). This may even apply if the person with the medical condition(s) purchases cover from another provider.

Relevant facts - You must tell the insurer all relevant facts. A relevant fact is one that is likely to influence them in accepting your insurance. This could be the state of health of a close relative whose health may cause you to cancel or curtail your trip. If you are in any doubt as to whether a fact is relevant, you should tell the insurer. If you do not do so, this may result in a claim being invalid.

Cancellation rights - If your cover does not meet your requirements, please return the documentation within 14 days of receipt and your premium will be refunded in full unless you have travelled, made a claim or intend to make a claim. Please not that your cancellation rights are no longer valid after this initial 14 day period.

Making a complaint - The policy contains a complaint procedure which tells you what steps you can take if you wish to make a complaint.

Governing Law - Unless agreed otherwise, English law will apply and all communications and documentation in relation to this policy will be in English.

Channel Islands Direct is an Appointed Representative of Holiday Extras Ltd., who are authorised and regulated by the Financial Conduct Authority (FCA).