What's Coverered?
Period of Cover
12 months from the date you take out the policy. Maximum duration of any trip - 31 days. Maximum duration of any trip in respect of dependant children travelling independently of the insured - 31 days. Total time spent outside Ireland should not exceed 90 days per year.
Who is Covered?
The insured person, his or her spouse or common law partner and their dependent children under age 18 (or under 23 if resident with the insured person and in full-time education). Please note, you must contact us on 01-293 2300 if anyone on your policy is aged 70 or over at the time you are purchasing this insurance, as additional terms and premium apply.
Where can you travel?
Worldwide (including Ireland where paid accommodation is involved). Cover in Ireland is restricted to cancellation and curtailment.
Is there an excess?
Yes, the first €75 of any claim is not covered or €100 in respect of medical expenses. For cancellation or curtailment the excess is the greater of €75 or 10% of the cost of the holiday.
Medical emergency & repatriation
Max - €5,000,000 per insured person.
Personal liability
Max - €1,250,000 per insured person.
Personal Accident
Max - €10,000 per insured person.
Cancellation and Delays
Cancellation or curtailment of your trip
Max - €3,800.
Travel delay/missed departure
Max - €100 if your ticket is delayed or cancelled for 12 hours beyond the intended departure time. Max - €400 where scheduled transportation fails/is disrupted Or vehicle breaks down /involved in an accident.
Personal posessions & money
Personal baggage
Max €1,900 if personal baggage is damaged, stolen, destroyed or lost (and not recovered). Single article limit max - €380. Valuable articles limit max - €380 (in total).
Money + passport
Max - €320 per insured person where money you have been carrying/left in a safety box is lost, stolen, damaged or destroyed.
Winter Sports (Family Policy Only)
Cancellation & curtailment
Max - €3,800 if you have to cancel your trip due to illness or injury.
Inability to ski
Max - €250 towards any deposit put down or payment made for an unused ski pass or ski school fees due to injury or illness.
Skis, ski equipment & ski pass
Max - €635 for damage, loss or theft.
Piste closure
Max - €200 if insufficient snow causes a total closure of the lift system for more than 24 hours.
Avalanche or landslide
Max - €200 for reasonable extra accommodation and travel expenses incurred.
European motoring cover (Family Policy Only)
Cover prior to departure
Max - €950 towards replacement rental and rebooking costs if vehicle is lost, immobilised or made unroadworthy within 7 days of departure
Roadside assistance and towing
Max - €320 in event of accident, breakdown or theft
Replacement parts
Sourcing/transporting replacement parts where not available locally
Break-in emergency repairs
Max - €220 in event of theft or attempted theft
Vehicle out of use
Max - €950 in case of accident, breakdown, theft or fire where repairs cannot be completed within 24 hrs
Vehicle repatriation
Max - market value of car to cover you and your car in the case of theft, accidental damage or breakdown
Motor legal protection
Max - €1,270 towards legal costs in defending you against alleged motoring offences (other than speeding). Max - €1,250 for guarantee of bail bond
Please note the above is only a summary of the main benefits of the policy.
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