Personal Accident Insurance

What is personal accident cover?

The definiton of personal accident insurance, or personal liability cover, is a type of cover that financially protects you if you are injured, disabled or killed due to an accident. Unlike regular personal accident cover, as part of your travel insurance policy this specifically covers you for accidents that happen on your holiday.

This type of cover is effective once customers are back within the UK following a trip abroad within a 12 month period. Under a travel insurance policy, if a customer loses their sight, a limb or the accident results in a fatality, they are entitled to claim on their policy under medical expenses.

It is important to remember that should you need to make a claim, the medical repercussions associated with this accident cannot stem from an undeclared, pre-existing medical condition.

personal accident insurance

What am I covered for?

If you have an accident on holiday you are covered for up to 12 months after your trip in the UK. You can claim within this period if the accident has directly caused your injury, disablement or death. You can also claim on your personal accident insurance should you need any further treatment, or happen to be out of work as a result of the accident you had on holiday.

You will not be able to claim on your personal accident insurance should your injury result from a sport or activity which is not covered on your policy, or an activity which does not have personal liability cover, accidental death and disability cover. Certain activities do not offer this type of cover due to the heightened risk associated with the sport.

Compare travel insurance cover levels

Depending on your frequency as a traveller, we have a single trip or an annual travel insurance.

You can then choose from three levels of cover, each differently priced, ranging from a basic and essential cover to a higher, premium level of cover.

Bronze
Silver
Gold
Emergency medical and repatriation expenses
£5,000,000
£10,000,000
£15,000,000
Cancellation
£1,000*
£2,500*
£5,000*
Curtailment and loss of holiday
£1,000
£2,500
£5,000
Personal possessions
£500
£1,500
£2,000
Passport and other documents
£150
£250
£350
Personal money
£300
£500
£750
Baggage Delay (outward journey)
£100
£150
£300
Missed departure
£500
£500
£1,000
Missed connection
£500
£500
£1,000
Personal liability
£2,000,000
£2,000,000
£2,000,000
Legal costs and expenses
£25,000
£25,000
£25,000
Scheduled airline failure
£1,000
£2,500
£2,500
End supplier failure
X
£2,500
£2,500
Pet Care
X
X
£500

*Or as specified on your schedule

Holiday Extras Travel Insurance is sold and administered by Holiday Extras Cover Limited who are authorised and regulated by the Financial Conduct Authority under registration number 828848.

Holiday Extras™ is a Trading Name of Holiday Extras Cover Limited

Holiday Extras Travel Insurance is provided by Taurus Insurance Services, an insurance intermediary licenced and authorised in Gibraltar by the Financial Services Commission under Permission Number 5566 and authorised to passport general insurance intermediary services into the UK and registered with the Financial Conduct Authority in the UK under registration number 444830.

The insurance is underwritten by Great Lakes Insurance SE. Great Lakes Insurance SE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: 10 Fenchurch Avenue, London, EC3M 5BN, company number SE000083. Great Lakes Insurance SE, UK Branch, is authorised and regulated by Bundesanstalt für Finanzdienstleistungsaufsicht. Deemed authorised by the Prudential Regulation Authority. Firm Reference Number: 769884. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.