The insurance provided as part of some Ski Club Travel Insurance policies includes some cover for some travel within the United Kingdom (inc. Isle of Man). Trips from the UK (inc. Isle of Man) to the Channel Islands and vice versa are considered as “European” and therefore fall under the normal scope of a European or Worldwide policy.

Cover is provided under all annual multi-trip policies, and under single trip policies bought explicitly for travel within the UK or Channel Islands.

Trips are considered as insured if they are for two nights or more and in pre-booked accommodation.

Cancellation & Curtailment Cover

Provides cover up to the limit shown in the summary of benefits if the insured persons need to cancel their internal travel due to:

• Accidental injury, serious illness, death of the insured person, their immediate relative, a close business associate or any person with whom they are intending to travel. This cover is extended to include cancellation/curtailment if the insured person, an immediate relative or someone who you are travelling with catches COVID-19.
• The insured person’s home or place of business being made uninhabitable or the police requesting their response following a theft at their home.

Personal Accident Cover

A lump sum payable up to the limit shown on the summary of benefits due to the insured person’s death, loss of limbs, loss of sight and/or permanent total disablement whilst travelling due to an accident. Please note, some activities listed in Sports and Activities packs 1-4 do not include personal accident cover – please see the relevant policy wordings, for more information.

Uninhabitable Accommodation

Provides cover up to the limit shown on the summary of benefits for reasonable additional accommodation and transport costs if the insured persons need other accommodation because they cannot use the booked accommodation.

The following restrictions apply to holidays taken within the UK and Channel Islands, and apply across all eligible policies.

• We will not pay any medical expenses claim unless the National Health Service in England, Wales or Scotland, or the Health and Social Care in Northern Ireland, do not provide such expenses. If you reside in the Channel Islands, we will not pay any costs where your country of residence has a reciprocal health agreement with the United Kingdom. If you are on a cruise within UK waters, and require emergency medical treatment whilst on-board, we will consider claims.
• The following sections do not apply whilst travelling internally:

o   Loss of passport, driving licence or visa expenses

o   Hospital benefit

o   Travel disruption

o   Missed departure

• We will not provide cover for any personal baggage which is covered under a household insurance policy. It is unlikely that an insured person’s household contents insurance will cover their items whilst away from home. However, customers should check this on their home insurance.
• We include cover for COVID 19 under medical expenses, cancellation and curtailment sections if you, a person who is travelling with you or an immediate relative you are intending to stay with catches COVID 19. All other claims as a consequence of COVID 19 will be excluded under our policies.