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Summary of cover

View the full policy terms & conditions including excesses.

Free Spirit offers two levels of cover so you can choose which best suits your travel needs.

  • Section & Cover
  • Cover for irrecoverable and unused travel and accommodation costs that you have paid or are contracted to pay if you have to cancel or cut short your trip for reasons including illness, jury service, redundancy.

    Please see Insurance Policy for full details.
    Cancellation or Curtailment
  • Cover for emergency medical costs following an accident or illness during your trip including agreed medical repatriation, funeral costs abroad and additional travel and accommodation expenses. Also, provides an alternative carer if your carer is taken ill or injured, kennel/cattery costs if your return home is delayed.

    Please see Insurance Policy for full details.
    Emergency Medical & Associated Expenses
  • Emergency dental
  • Funeral costs abroad
  • Kennel & cattery costs
  • Cover includes costs for home help, physiotherapy, cosmetic surgery and dental costs after you have returned home. Also, cover for a convalescence trip in the United Kingdom if you have been hospitalised abroad for more than 5 days.

    Please see Insurance Policy for full details.
    After care at home following hospitalisation
  • - Home help
  • - Cosmetic surgery
  • - Dental treatment
  • - Physiotherapy
  • - UK Convalescence after hospitalisation abroad (5 or more days)
  • Provides compensation payment for each 24 hours you are an inpatient due to accidental bodily injury or illness sustained abroad (maximum amount applies).

    Please see Insurance Policy for full details.
    Hospital inconvenience benefit
  • Cover for accidental loss, theft or damage to baggage.

    Please see Insurance Policy for full details.
    Personal Possessions
  • - single article, pair or set limit
  • - overall limit for valuables
  • Baggage delay
  • Cover for accidental loss, theft or damage to medical aids including wheelchairs and walking frames.

    Please see Insurance Policy for full details.
    Loss or damage to medical aids
  • Cover for accidental loss, theft or damage to prescribed medication.

    Please see Insurance Policy for full details.
    Loss or damage to prescribed medications
  • Cover for accidental loss, theft or damage to personal money and travel documents including driving licence, passport and travel ticket. Cover for foreign currency starts 72 hours before your trip.

    Please see Insurance Policy for full details.
    Personal Money, Passport & Travel Documents
  • - Loss of passport
  • - cash limit
  • Provides a single payment as a result of accidental bodily injury following death, total and permanent loss of sight in one or both eyes and permanent and total disablement preventing you from engaging in paid employments or paid occupations of any kind within 12 months of the accident.

    Please see Insurance Policy for full details.
    Personal accident
  • - Death
  • - Loss of limb(s)/sight
  • Permanent total disablement
  • Cover should you become legally liable to pay compensation.

    Please see Insurance Policy for full details.
    Personal liability
  • Super Duper only - provides cover in the event the holiday or trip has to be cancelled due to the financial failure of your travel or accommodation provider and you are unable to recover your pre-booked travel and accommodation costs elsewhere.

    Please see Insurance Policy for full details.
    Scheduled airline failure insurance
  • Super Duper only - provides cover as a result of disruption caused by a natural disaster such as a volcanic eruption, or if the Foreign & Commonwealth Office (FCO) advises against travel to your holiday destination. Cover applies if you book individual elements of your trip separately.

    Please see Insurance Policy for full details.
    Journey disruption/Airspace closure
  • Cover for a compensatory sum for each 12 hours delay due to strike, industrial action, adverse weather or mechanical breakdown of your public transport.

    Please see Insurance Policy for full details.
    Delayed departure
  • Cover for you having to cancel your trip due to strike, industrial action, adverse weather or mechanical breakdown of your public transport.

    See Insurance Policy for full details.
    Trip cancellation (after 12 hours delay)
  • Cover for additional accommodation and travel expenses to reach your overseas destination incurred as a result of strike, industrial action, adverse weather, your car being in an accident or breaking down or your connecting flight being delayed.

    Please see Insurance Policy for full details.
    Missed departure/missed connection
  • Compensation payments if you are hi-jacked, kidnapped, in hospital due to being mugged or incur additional travel and accommodation costs due to a catastrophe.

    See Insurance Policy for full details.
    Travel risks
  • - Hijack/kidnap
  • - Mugging
  • - Catastrophe
  • Cover for Legal costs and expenses incurred in pursuing a claim against a Third Party due to death or personal injury.

    See Insurance Policy for full details.
    Legal expenses
  • SUPER
  • £2,500
  • £5,000,000
    £5M
  • £200
  • £5,000
  • £500
  • £500
  • £3,000
  • £300
  • £750
  • £750
  • £1,000
    (£25/24hrs)
  • £1,500
  • £300
  • £500
  • £150
  • £1,000
  • £250
  • £500
  • £200
  • £200
  • £10,000
  • £10,000
  • £10,000
  • £2,000,000
    £2M
  • no
  • no
  • £120
    (£30/12hrs)
  • £2,500
  • £750
  • £2,500
    (£100/day)
  • £250
  • £750
  • £25,000
    (£50,000 policy max.)
  • SUPER DUPER
  • £5,000
  • £10,000,000
    £10M
  • £400
  • £5,000
  • £500
  • £500
  • £3,000
  • £300
  • £750
  • £750
  • £1,500
    (£50/24hrs)
  • £3,000
  • £500
  • £750
  • £250
  • £2,000
  • £500
  • £1,000
  • £400
  • £500
  • £20,000
  • £20,000
  • £20,000
  • £2,000,000
    £2M
  • £2,500
  • £3,000
  • £240
    (£60/12hrs)
  • £5,000
  • £1,500
  • £2,500
    (£100/day)
  • £250
  • £750
  • £50,000
    (£100,000 policy max.)

Last updated: 15th June 2016.