The BENEFITS ASSOCIATED WITH OUR GOLD AND SILVER STAYCATIONCOVER POLICIES ARE LISTED BELOW.

Please note the Benefits listed below contain a brief explanation of each cover. For a detailed description and the associated Policy Terms and conditions, please refer to the Policy Wording.

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If you have to cancel or curtail your trip due to the following reasons you will be able to claim for some of your uncoverable staycation travel costs:

  • Death, injury, illness or quarantine; or
  • being called for jury service or as a witness in a Court of Law; or
  • redundancy; or
  • your home being made uninhabitable due to: accidental damage, burglary, flooding or fire; or
  • as a member of the Armed Forces, emergency services or a government employee being ordered to return to duty.

    ROI Policies         NI Policies
Gold Policies Limit     €2,000 per person        £2,000 per person
Silver Policies Limit     €1,500 per person        £1,500 per person

Subject to the appropriate policy excess on Silver policies.    

No excess applied on Gold Policies.

If you cannot use your holiday rental accommodation because of fire, flood, storm, lightning, you will be covered for the reasonable extra cost of accommodation and travel, to move to other alternative accommodation.

    ROI Policies       NI Policies
Policies Limit            €200 per person       £200 per person

Subject to the appropriate policy excess on Silver policies.

No excess applied on Gold Policies.

We will pay up to the amount shown in the summary of cover for medical transfer if you are hospitalised 50 miles or more from home. We will arrange and pay for your transfer to a suitable hospital near your home when it becomes medically feasible. If necessary, we will also arrange and pay for a medical escort to accompany you.

    ROI Policies     NI Policies
Policies Limit            €500 per person     £500 per person

Subject to the appropriate policy excess on Silver policies.

No excess applied on Gold Policies.

We will pay up to the amount shown above for the value or cost of repair of any of your own personal possessions which are lost, stolen, damaged or destroyed

Please note this section is subject to depreciation for wear and tear.

    ROI Policies     NI Policies
Gold Policies Limit     €2,500 per person     €2,500 per person
Valuables (In total)     €250 per person     €250 per person
Single item /Set or Articles     €250 per person     €250 per person
    ROI Policies     NI Policies
Silver Policies Limit     €1,500 per person     €1,500 per person
Valuables (In total)     €150 per person     €150 per person
Single item /Set or Articles     €150 per person     €150 per person

Subject to the appropriate policy excess on Silver policies.

No excess applied on Gold Policies.

We will pay you up to the amount shown above if your own money is lost or stolen whilst being carried on your person or left in a locked safety deposit box (or equivalent facility).

     ROI Policies      NI Policies
Gold Policies Limit      €500 per person      €500 per person
Valuables (In total)      €300 per person      €300 per person
Cash Under 18      €100 per person      €100 per person
     ROI Policies      NI Policies
Silver Policies Limit      €500 per person      €500 per person
Valuables (In total)      €200 per person      €200 per person
Cash Under 18      €100 per person      €100 per person
Subject to the appropriate policy excess on Silver policies.

No excess applied on Gold Policies.

if your booked accommodation becomes uninhabitable during your trip as a result of flooding, fire, subsidence or damage caused by a storm before or during your trip you can claim some of your costs back.

     ROI Policies      NI Policies
Gold Policies Limit      €1,000 per person      £1,000 per person
Silver Policies Limit      €500 per person      £500 per person

Subject to the appropriate policy excess on Silver policies.

No excess applied on Gold Policies.

We will pay the value or cost of repair of any of your own camping and sports equipment (not hired, loaned or entrusted to you) which are stolen, damaged or destroyed (after making proper allowance for wear and tear and depreciation).

     ROI Policies      NI Policies
Policies Limit      €750 per person      £750 per person

Subject to the appropriate policy excess on Silver policies.

No excess applied on Gold Policies.

If your bicycle is stolen you can claim to replace it.

Please refer to the policy wording for terms and conditions of this cover.

     ROI Policies      NI Policies
Policies Limit      €300 per person      £300 per person

Subject to the appropriate policy excess on Silver policies.

No excess applied on Gold Policies.

If your mobile phone, smart phone, laptop or tablet is lost, stolen, damaged or destroyed you can claim to replace it.

        ROI Policies                NI Policies
Policies Limit        €300 per person               £300 per person

Subject to the appropriate policy excess on Silver policies.

No excess applied on Gold Policies.

If you sustain a bodily injury whilst on your trip which results, within 12 months of the incident that caused your injury, in your; death, loss of limb, loss of sight or permanent total disablement.

     ROI Policy limit      NI Policy limit
Personal Accident      €20,000      £20,000
Permanent total disablement (19 to 65)      €20,000      £20,000
Permanent total disablement (18 and under)      €5,000      £5,000
Death (aged 19 to 65)      €5,000      £5,000
Death  (aged 18 and under)      €2,500      £2,500
Loss of Limbs / Sight (19 to 65)      €20,000      £20,000
Loss of Limbs / Sight (aged 18 and under)      €5,000      £5,000
Personal Accident limit (if aged 66 and over or 18 and under)      €5,000      £5,000

Please refer to the policy wording for terms and conditions of this cover.

If you accidentally injure someone else and this extends to you causing their death or illness and/or if you accidentally damage someone else’s property, then we will indemnify you for these damages if you are legally liable for the damage you have accidentally caused.

     ROI Policies      NI Policies
Policies Limit      €500,000 per person      £500,000 per person

Please refer to the policy wording for terms and conditions of this cover.

WHAT IS COVERED BY STAYCATIONCOVER.IE INSURANCE?

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Holiday Cancellation

Cancellation fees and lost deposits on prebooked travel if your trip is cancelled due to an insured event (e.g. unforeseen injury or jury duty).

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Covid Benefit

Covers you if you are hospitalised as a result of COVID during your trip.

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Personal Property
(Including Gadgets)

Cost of repairing or replacing your belongings if they get lost, stolen or damaged during your trip.

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Motor Breakdown Cover

Insurance cover for Roadside repairs and towing if you breakdown.

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Bicycle Cover

Replacement bike if yours is stolen.

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Tent Cover

Repair or replacement of your tent if it is stolen or destroyed.