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Travel insurance

Your holiday is the time when you want to enjoy yourself and possibly relax, away from the pressures of daily life. We've all seen those TV shows depicting holidays that have become nightmares. Unfortunately in reality there are many things that can go wrong, from the day you book your trip, until the day you finally return home. When something goes wrong and you are left out of pocket, it can be traumatic.

It is important to buy the right cover for your trip but the process can be confusing with so many options available. FSB Insurance Service have many years experience arranging Travel insurance and offer a range of travel policies that give you the protection you need at the time you need it.

There is the choice of either single trip or annual multi trip cover. Single trip insurances cover the period of the trip only. Annual multi-trip insurances are usually for a 12 month period. You have the option to purchase European or Worldwide cover.

Benefits include

• Cancellation and curtailment up to £3,000
• Medical and treatment expenses (this section includes emergency assistance services) up to £5,000,000
• Travel delay up to £20 first 12 hours and £10 each full 12 hour period thereafter (maximum £100)
• Holiday abandonment up to £3,000
• Personal accident cover providing a range of lump sum benefits for accidental death, loss of limbs or sight (amounts vary with age)
• Personal money up to £500
• Legal expenses up to £10,000
• Personal effects and baggage up to £2,000

Optional

• Wintersports cover - ski equipment owned or hired up to £600
• Hire or alternative equipment up to £200
• Ski pack up to £300
• Piste closure up to £200
• Avalanche closure up to £200

Excesses

• Standard £50 excess

Key exclusions (this is not an exhaustive list and you should refer to your Policy Wording and Policy Summary for full details)

• Maximum trip 178 days (60 days for winter sports)
• Please note certain hazardous activities are not included on this policy unless the appropriate additional payment has been made, whilst some hazardous activities may not be covered altogether; please seek advice from us if you are unsure about cover
• A maximum age restriction of 75 years will apply to all trips
• Pre existing medical conditions will be excluded unless agreed by insurers
• Geographical limits will apply and cover will not be available for certain high risk areas

More information on the cover available and the exclusions are available in our frequently asked questions section or in the policy summary documents.