Silver Annual and Gold Annual

The Silver Annual and Gold Annual policies provides full cover for an unlimited number of trips up to a maximum of 31 or 60 days per trip in a 12 month period.

Summary of Cover

This table gives an outline of the cover offered. Full details of cover and any exclusions and conditions that apply will be in the documentation that will be sent to you upon purchase. You may request this information before purchasing by contacting the number shown below.

Section	Silver Annual	Gold Annual	What you are covered for
Cancellation	£2,000	£4,000	Loss of travel and accommodation expenses as a result of your trip being unavoidably cancelled due to, for example, injury, illness or bereavement.
	£100 excess	£60 excess
Deposit Only	£20 excess	£20 excess
Curtailment	£2,000	£4,000	The value of the unused portion of your trip if it is cut short due to, for example, injury, illness or bereavement.
	£100 excess	£60 excess
Personal Accident:			Loss of limbs, sight or for total permanent disablement, limited to the Death Benefit for loss of life.
Permanent Total Disablement	£15,000	£25,000
Death	£10,000	£10,000
Loss of Limb(s)/Sight	£10,000	£10,000
	£0 excess	£0 excess
Emergency Medical/Repatriation Expenses	£7,500,000	£10,000,000	Emergency medical treatment and associated transportation. Costs involved in bringing you home, should this be required and Multi-lingual emergency assistance service provided 24 hours a day.
	£100 excess	£60 excess
Dental	£200	£200
Funeral Abroad	£1,000	£1,000
Additional Hospital Benefit/State Registered Hospital	£20 per 24 hrs up to £500	£20 per 24 hrs up to £1000	A benefit of £20 for every 24 hours you spend in hospital as an in-patient abroad.
	£0 excess	£0 excess
Baggage	£1,250	£2,000	Loss, theft or damage of your baggage. The limit for a single item is £300, whilst the total valuables limit is £400. Baggage claims are settled taking into account wear and tear and depreciation. If your baggage goes astray for more than 12 hours on your outward journey we will pay up to the sum stated towards the cost of emergency purchases.
	£75 excess	£60 excess
Single Item	£300	£300
Valuables Limit (total)	£400	£400
Bagage on Beach	£100	£100
Glasses	£50	£50
Delayed Baggage	£50	£75
Cash & Documents	£300	£500	Loss or theft of cash, travel tickets, and passports, whilst being carried on your person.
	£75 excess	£60 excess
Cash Only Limit	£120	£120
	£20 excess	£20 excess
Loss of Passport expenses	£200	£200	Additional travel and accommodation expenses incurred to replace your lost passport.
	£100 excess	£60 excess
Travel Delay	£20 per 12 hrs up to £200	£25 per 12 hrs up to £250	For each full 12 hours that your outward or return journey to or from the United Kingdom is delayed, we will pay the sum stated or if your outward journey is delayed for more than 24 hours, you are covered for the sum stated to abandon your trip.
Abandonment	After 24 hrs Travel Delay up to £2,000	After 24 hrs Travel Delay up to £4,000
	£100 excess	£60 excess
Missed Departure	£500	£750	The cost of your travel and accommodation expenses incurred in reaching your booked destination, if you are unavoidably delayed and arrive too late to commence your booked trip.
	£75 excess	£60 excess
Personal Liability	£1,000,000	£2,000,000	Legal expenses and legal liability for damages which may be incurred if you accidentally injure somebody or damage their property.
	£0 excess	£0 excess
Legal Expenses	£10,000	£25,000	Payment of legal costs to enable you to claim compensation or damages as a result of injury to yourself.
	£0 excess	£0 excess
Hijack	£50 per 24 hrs up to £500	£100 per 24 hrs up to £1,000	A benefit of the sum stated for each 24 hours you are hijacked.
	£0 excess	£0 excess
Sports & Activities	Optional	Optional	You are covered for some sports and activities as standard; please check the Policy Wording for these. You are also able to add additional sports and activities for a premium.
Winter Sports Cover	N/A	N/A	Winter sports cover is available on our Silver and Gold Annual Ski products.

The excesses listed above will be charged per Insured person, per policy section, for each incident that results in a claim. For further information please call Club Direct (UK) Ltd on 0870 8902 842 between 8am and 8pm Mondays to Fridays, 9am and 6pm Saturdays or 10am and 4pm Sundays. Alternatively email us at [customer.services@clubdirect.com]