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.
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 |
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.