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Booking Conditions


NEVER TRAVEL WITHOUT IT.

Our Travel Insurance is arranged by Elect Travel Insurance and is underwritten by White Horse Insurance Ireland Limited.
Travel Insurance can only be sold to those clients arranging their travel arrangements with Air Travel Corporation.

EUROPE
INDIVIDUAL - SINGLE TRIP

Gold Policy under 55 years
 Premiums quoted in £’s.

Cost p/p
1 to 5 days

£14
6 to 10 days

£18
11 to 17 days

£19
18 to 24 days

£21
25 to 31 days

£23

Platinum Policy under 55 years
 Premiums quoted in £’s.

Cost p/p
1 to 5 days

£16
6 to 10 days

£21
11 to 17 days

£23
18 to 24 days

£25
25 to 31 days

£28

Gold Policy 55 - 73 years
 Premiums quoted in £’s.

Cost p/p
1 to 5 days

£20
6 to 10 days

£29
11 to 17 days

£34
18 to 24 days

£38
25 to 31 days

£40

Platinum Policy 55 - 73 years
 Premiums quoted in £’s.

Cost p/p
1 to 5 days

£21
6 to 10 days

£31
11 to 17 days

£38
18 to 24 days

£41
25 to 31 days

£44

Gold Policy 74 - 79 years
 Premiums quoted in £’s.

Cost p/p
1 to 5 days

£22
6 to 10 days

£32
11 to 17 days

£39
18 to 24 days

£44
25 to 31 days

£46

Platinum Policy 74 - 79 years
 Premiums quoted in £’s.

Cost p/p
1 to 5 days

£24
6 to 10 days

£35
11 to 17 days

£43
18 to 24 days

£48
25 to 31 days

£50

 
EUROPE
FAMILY - SINGLE TRIP*

Gold Policy
 Premiums quoted in £’s.

Cost p/p
1 to 5 days

£56
6 to 10 days

£77
11 to 17 days

£85
18 to 24 days

£90
25 to 31 days

£90

Platinum Policy
 Premiums quoted in £’s.

Cost p/p
1 to 5 days

£61
6 to 10 days

£85
11 to 17 days

£92
18 to 24 days

£97
25 to 31 days

£113

*Includes 2 Adults under 55. Please add £3.50 per child (max 4 children under 18)
 
AUSTRALIA & NEW ZEALAND
INDIVIDUAL - SINGLE TRIP

Gold Policy under 55 years
 Premiums quoted in £’s.

Cost p/p
1 to 5 days

£31
6 to 10 days

£32
11 to 17 days

£33
18 to 24 days

£34
25 to 31 days

£36

Platinum Policy under 55 years
 Premiums quoted in £’s.

Cost p/p
1 to 5 days

£36
6 to 10 days

£37
11 to 17 days

£39
18 to 24 days

£40
25 to 31 days

£42

Gold Policy 55 - 73 years
 Premiums quoted in £’s.

Cost p/p
1 to 5 days

£52
6 to 10 days

£52
11 to 17 days

£69
18 to 24 days

£73
25 to 31 days

£78

Platinum Policy 55 - 73 years
 Premiums quoted in £’s.

Cost p/p
1 to 5 days

£56
6 to 10 days

£56
11 to 17 days

£74
18 to 24 days

£78
25 to 31 days

£84

Gold Policy 74 - 79 years
 Premiums quoted in £’s.

Cost p/p
1 to 5 days

£59
6 to 10 days

£59
11 to 17 days

£79
18 to 24 days

£84
25 to 31 days

£90

Platinum Policy 74 - 79 years
 Premiums quoted in £’s.

Cost p/p
1 to 5 days

£63
6 to 10 days

£63
11 to 17 days

£86
18 to 24 days

£90
25 to 31 days

£97

 
AUSTRALIA & NEW ZEALAND
FAMILY - SINGLE TRIP*

Gold Policy
 Premiums quoted in £’s.

Cost p/p
1 to 5 days

£56
6 to 10 days

£77
11 to 17 days

£85
18 to 24 days

£90
25 to 31 days

£90

Platinum Policy
 Premiums quoted in £’s.

Cost p/p
1 to 5 days

£61
6 to 10 days

£85
11 to 17 days

£92
18 to 24 days

£97
25 to 31 days

£113

*Includes 2 Adults under 55. Please add £3.50 per child (max 4 children under 18)
 
WORLDWIDE (not including Australia & New Zealand)
INDIVIDUAL - SINGLE TRIP

Gold Policy under 55 years
 Premiums quoted in £’s.

Cost p/p
1 to 5 days

£30
6 to 10 days

£40
11 to 17 days

£43
18 to 24 days

£45
25 to 31 days

£52

Platinum Policy under 55 years
 Premiums quoted in £’s.

Cost p/p
1 to 5 days

£37
6 to 10 days

£46
11 to 17 days

£51
18 to 24 days

£53
25 to 31 days

£61

Gold Policy 55 - 73 years
 Premiums quoted in £’s.

Cost p/p
1 to 5 days

£49
6 to 10 days

£68
11 to 17 days

£75
18 to 24 days

£79
25 to 31 days

£92

Platinum Policy 55 - 73 years
 Premiums quoted in £’s.

Cost p/p
1 to 5 days

£53
6 to 10 days

£75
11 to 17 days

£80
18 to 24 days

£84
25 to 31 days

£99

Gold Policy 74 - 79 years
 Premiums quoted in £’s.

Cost p/p
1 to 5 days

£56
6 to 10 days

£77
11 to 17 days

£85
18 to 24 days

£90
25 to 31 days

£90

Platinum Policy 74 - 79 years
 Premiums quoted in £’s.

Cost p/p
1 to 5 days

£61
6 to 10 days

£85
11 to 17 days

£92
18 to 24 days

£97
25 to 31 days

£113

 
WORLDWIDE
FAMILY - SINGLE TRIP*

Gold Policy
 Premiums quoted in £’s.

Cost p/p
1 to 5 days

£56
6 to 10 days

£77
11 to 17 days

£85
18 to 24 days

£90
25 to 31 days

£90

Platinum Policy
 Premiums quoted in £’s.

Cost p/p
1 to 5 days

£61
6 to 10 days

£85
11 to 17 days

£92
18 to 24 days

£97
25 to 31 days

£113

*Includes 2 Adults under 55. Please add £3.50 per child (max 4 children under 18)
 
ANNUAL MULTI TRIP
GOLD UNDER 55
( NO WINTER SPORTS )  		ANNUAL MULTI TRIP
PLATINUM UNDER 55
( NO WINTER SPORTS ) 

Europe
 Premiums quoted in £’s.

Cost p/p
Individual

£45
Couple

£80
Family*

£96

Europe
 Premiums quoted in £’s.

Cost p/p
Individual

£50
Couple

£87
Family*

£110

*Family includes 2 Adults under 55. Please add £4.00 per child (max 4 children under 18) *Family includes 2 Adults under 55. Please add £4.00 per child (max 4 children under 18)
ANNUAL MULTI TRIP
GOLD SENIOR 55 - 74
(NO WINTER SPORTS) 		ANNUAL MULTI TRIP
PLATINUM SENIOR 55 - 74
(NO WINTER SPORTS)

Europe
 Premiums quoted in £’s.

Cost p/p
Individual

£70
Couple

£102
Family*

£132

Europe
 Premiums quoted in £’s.

Cost p/p
Individual

£83
Couple

£117
Family*

£147

*Family includes 2 Adults under 55. Please add £4.00 per child (max 4 children under 18)
  		*Family includes 2 Adults under 55. Please add £4.00 per child (max 4 children under 18)
 
ANNUAL MULTI TRIP
GOLD UNDER 55
( NO WINTER SPORTS )  		ANNUAL MULTI TRIP
PLATINUM UNDER 55
( NO WINTER SPORTS ) 

Worldwide
 Premiums quoted in £’s.

Cost p/p
Individual

£54
Couple

£90
Family*

£117

Worldwide
 Premiums quoted in £’s.

Cost p/p
Individual

£62
Couple

£105
Family*

£132

*Family includes 2 Adults under 55. Please add £4.00 per child (max 4 children under 18) *Family includes 2 Adults under 55. Please add £4.00 per child (max 4 children under 18)
ANNUAL MULTI TRIP
GOLD SENIOR 55 - 74
(NO WINTER SPORTS) 		ANNUAL MULTI TRIP
PLATINUM SENIOR 55 - 74
(NO WINTER SPORTS)

Worldwide
 Premiums quoted in £’s.

Cost p/p
Individual

£84
Couple

£120
Family*

£158

Worldwide
 Premiums quoted in £’s.

Cost p/p
Individual

£98
Couple

£135
Family*

£176

*Family includes 2 Adults under 55. Please add £4.00 per child (max 4 children under 18)
  		*Family includes 2 Adults under 55. Please add £4.00 per child (max 4 children under 18)
 
Single Trip & Annual Multi-Trip Summary of Cover
  Gold Platinum Excess
Medical Expenses £5,000,000 £10,000,000 £75
Emergency Dental Expenses £200 £200 £75
Emergency Assistance Unlimited Unlimited Nil
Sending You Home In an Emergency £500,000 £2,000,000 £75
Personal Accident Up to £10,000 £25,000 Nil
Death £5,000 £5,000 Nil
Death (Insured's under 16) £1,000 £1,000 Nil
Personal Liability £1,000,000 £2,000,000 £250
Legal Expenses £15,000 £15,000 Nil
Missed Departure £500 £1,000 £50
Personal Belongings £500 £2,000 £50
Single Article Limit
*No cover for valuable items		 *£100 £150 £50
Valuables Limit No Cover £200 £50
Cash Limit £100 £150 £50
Cancellation & Curtailment £750 £3,000 £50
Travel Delay No Cover £300 Nil
Abandonment £750 £3,000 £50
Hospital Benefit £500 £2,000 Nil
Wintersports Cover - additional benefits 
(applicable only where the additional premium has been paid)
Piste Closure No Cover £200 Nil
Avalanche No Cover £100 Nil
Ski Hire No Cover £500 Nil
Business Cover - additional benefits 
(applicable only where the additional premium has been paid)
Business Equipment
Single Article Limit		 No Cover
No Cover		 £1,000
£500		 £50
£50
Delayed Business Samples No Cover £250 Nil
Delayed Business Equipment No Cover £500 Nil
Business Money No Cover £250 £50
Computer Equipment No Cover £1,000 £50
Replacement Employee No Cover £3,000 £50

MEDICAL CONDITIONS 
Please note that No Cover is afforded under any section of this insurance 
policy for any claims arising from or related to a pre-existing medical 
condition which You or anyone else upon whom Your travel is dependent 
knew about, or could have reasonably been expected to have known 
about prior to the purchase of this insurance policy. 
However, we are pleased to advise that MediCover have been appointed to provide cover for those clients affected. the telephone number to call is 0870 735 3600. 

For further information with regard to pre-existing medical conditions 
please read Your policy wording paying careful attention to the General 
Exclusions and sections A, B, H and S of the policy. 

If you wish to read the full policy prior to purchase then this is available 
upon request. 

Any clarification can be obtained from Select Insurance Intermediaries on telephone 0870 737 0870. Calls to this number are charged at National Rates.

Please note some important criteria for each policy.

Single Trip

  • Children must be under the age of 18 (17 years at date of departure). These also receive a 50% discount on an adult rate, as long as they are travelling with a full fare paying adult. Please also note that children up to the age of 21 in full-time education benefit from this also. 
  • Children under 2 years are free at date of travel, if travelling with a fully paid adult. 
  • Standard rate for travellers up to the age of 74 years at date of departure. 
  • Travellers aged 75-79 years at date of departure can travel to Europe only, at double standard rate (Australia and New Zealand and Worldwide = NO COVER). 
  • Travellers aged 70-79 years at date of departure can only travel to a maximum of 31 days duration (80+ = NO COVER). 
  • Late booking discount of 10% is available. Travel must commence with 14 days of the date of issue. 
  • Business cover has a loading of 10% and can be added to Platinum cover only. 
  • Cancellation and Curtailment section, if removed, will provide a 15% discount (Gold and Platinum cover only). 


Annual

  • Maximum age 74 years at date of departure. 
  • Maximum duration for any one trip is 45 days (excludes 70-74). 
  • Travellers aged 70-74 years at date of departure, travelling worldwide, can only travel to a maximum of 31 days in any one trip. 
  • Wintersports includes 17 days cover on the Platinum product only. 
  • No discounts available in respect of Late Bookings and Cancellation & Curtailment, respectively. 
  • No Business upgrade available – single trip only. 
  • Children may not travel independently on a family policy.

Rating Structure For High Risk Activities

Please find to follow a list of high risk activities and their respective rating. Please examine this list carefully. If there is an activity which you regularly sell but is not on the list, then please contact the Association. 

Column A: Provides loading for cover if the activity is undertaken on ‘an occasional and incidental basis.’ Add category number indicated in Column A to activate the correct premium for coverage.

Column B: Provides loading for cover if the activity or activities are the sole purpose of the holiday or travel. Add category number indicated in Column B to activate the correct premium for coverage.

Where a loading is applicable it must be paid in advance of travel and will never be covered unless a specific category endorsement has been provided which has been agreed by both Select Insurance Intermediaries and the respective underwriter. Failure to pay the appropriate premium in respect of hazardous and sporting activities could render the policy VOID.

Key

Category 1 = Activity included in standard premium

Category 2 = standard premium multiplied by 125%

Category 3 = standard premium multiplied by 150%

Category 4 = standard premium multiplied by 200%

Category 5 = standard premium multiplied by 225%

Category 6 = NO COVER

Category 7 = standard premium multiplied by 300%

* = In Coastal waters only

** = See Wintersports Cover below


Wintersports Cover

If you have selected the Wintersports policy your client will be covered for the following activities automatically within the Wintersports premium: 

- Skiing
- Land-skiing
- Mono-skiing
- Cross-country skiing
- Heli-skiing
- Off-piste skiing
- Snow boarding
- Ski boarding
- Snowmobile
- Sledging
- Luging
- Tobaganning
- Ice skating

Once you have selected the Wintersports cover you do not need to add an activity loading (category 1 to 7) to the policy for any of the Wintersports activities.

The Wintersports policy does not cover Ice Hockey. Ice Hockey cannot be covered.

ACTIVITY

Col. A

Col. B

 ACTIVITY

Col. A

Col. B
Abseiling

6

6

 Luging/Tobogganing **

5

5
Amateur Football

1

1

 Marathon Runner

1

2
American Football

1

4

 Mono Skiing **

5

5
Archery

1

1

 Motor Sport

6

6
Badminton

1

1

 Mountain Biking

1

2
Ballooning

1

4

 Mountaineering

6

6
Baseball

1

3

 Off Piste Skiing **

5

5
Basketball

1

3

 Orienteering

1

2
Big Game Hunting

1

1

 Outward Bound Pursuits

1

2
BMX Racing

1

1

 Parachute Jumping

6

6
Bobsleigh

6

6

 Paragliding

1

3
Bowls

1

1

 Parascending

1

2
Boxing

1

4

 Polo

1

4
Bungee Jumping

6

6

 Pony Trekking

1

4
Canoeing

1

2

 Pot Holing

6

6
Canyoning

6

6

 Quad Biking

1

6
Catamaran Sailing

1

2

 Racket Ball

1

2
Clay Pigeon Shooting

1

1

 Rambling

1

1
Cricket

1

1

 Reindeer & Husky Rides

1

1
Cross Country Skiing

5

5

 Rock Climbing (free)

6

6
      Rock Climbing (less than 2,000 metres)

7

7
Cycling

1

1

 Roller Skating

1

2
Deep Sea Fishing

1

2

 Rounders

1

1
Dingy Sailing

1

1

 Rowing

1

1
Dry Skiing

1

1

 Rugby

1

3
Endurance Events

1

4

 Safari Trekking

1

1
Fell Running

1

2

 Sail Boarding

1

2
Fell Walking

1

2

 Sailing*

1

1
Fencing

1

2

 Scuba Diving

1

1
Fishing

1

1

 Shooting/Hunting

1

1
Flying

6

6

 Ski-Boarding **

5

5
Football

1

4

 Ski-Dooing **

5

1
Gliding

6

6

 Skiing **

5

5
Go Karting

1

6

 Sledging **

5

5
Golf

1

1

 Snow/Boarding **

5

5
Gymnastics

1

1

 Snow-Mobile **

5

5
Hang Gliding

6

6

 Squash

1

1
Heli-Skiing

5

5

 Street Hockey

1

1
High Diving

1

4

 Surfing

1

2
Hockey

1

2

 Tennis

1

1
Horse Riding

1

4

 Trekking/Hiking (less than 2,000 metres)

1

1
Ice Climbing

6

6

 Walking/trekking (up to 5,000 metres)

3

3
Ice Hockey

6

6

 Walking/trekking above 5,000 metres

6

6
Ice Skating

1

2

 Volley Ball

1

1
Jet Skiing

1

3

 War Games/Paint Bowling

1

2
Jousting

1

2

 Water Polo

1

1
Judo

1

3

 Water Skiing

1

4
Karate

1

3

 Weight Lifting

1

1
Kite Surfing

1

1

 White Water Rafting (Level 4)

1

1
Lacrosse

1

3

 Windsurfing

1

1
Land Skiing

5

5

 Yachting*

1

2

All above policies are only available to persons resident in the United Kingdom or Channel Islands at the time of purchase. 

This policy will not cover anything other than what is clarified and has the following exclusion for you to be aware of within the policy wording. If you are unsure then please request a copy of the policy wording. 

Please read all aspects of the insurance cover above. If you are unsure about any condition please ask. Complete wording available on request. 

We operate a Clients Money Trust Account which means that we cannot cash in your payment for ground arrangements until you return to the UK. Your flights will be supplied by an ATOL holder. In other words, you can rest assured that your payments for all travel arrangements are fully protected. We are Retail Agents for ATOL holders.

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