Your Cover Explained

Section

STANDARD POLICY – Single Trip &

Annual Policies

GOLD POLICY – Single Trip & Annual Policies

BACKPACKER POLICY – Single Trip

Cover Limit

Excess

Cover Limit

Excess

Cover Limit

Excess

Sterling

Euros

Sterling

Euros

Sterling

Euros

Sterling

Euros

Sterling

Euros

Sterling

Euros

Cancellation and Curtailment

Up to £500

Up to €825

20%**

20%**

Up to £3,000

Up to €4,500

20%**

20%**

Up to £500

Up to €825

£40

(£10 LOD)

€60

(€15 LOD)

Medical & Treatment Expenses

Up to £2,000,000

Up to €3,300,000

£100**

€165**

Up to £5,000,000

Up to €7,500,000

£100**

€165**

Up to £1,000,000

Up to €1,650,000

£100**

€165**

Hospital Benefit

£10 per day up to £300

€17 per day up to €500

N/A

N/A

£15 per day up to£300

€23 per day up to €450

N/A

N/A

£10 per day up to £300

€17 per day up to €500

N/A

N/A

Catastrophe Cover

Not Available

Up to £750

Up to €1200

£40

€65

Not Available

Pet Care cover

Not Available

£30 per day up to £300

€45 per day up to €450

N/A

N/A

Not Available

Hotel Services Failure

Not Available

£50 per day up to £500

€75 per day up to €750

N/A

N/A

Not Available

Collision Damage Waiver

Not Available

Up to £500

Up to €750

£60

€100

Not Available

Personal Effects & Baggage, Travel Documents & Delayed Baggage

Up to £750

Up to € 1,235

£60

€100

Up to £1,000

Up to €1,235

£60

€100

Up to £500

Up to €725

£60

€100
Single Item Limit £150 €250 £250 €375 £150 €250
Valuables Limit in total £200 €330 £250 €375 £200 €330
Travel Documents £250 €410 £250 €375 £200 €330
Delayed Baggage £150 €250 £150 €250 £150 €250

Personal Money

Up to £500

Up to €825

£40

€65

Up to £500

Up to €825

£40

€65

Up to £200

Up to €300

£40

€65
Cash Limit £100 €165 £100 €165 £100 €165
Cash (aged under 18) £50 €80 £50 €80 £50 €80

Travel Delay

£20 for the 1st 12 hours delay, then £10 for each 12 hours thereafter up to £60

€35 for the 1st 12 hours delay, then € 17 for each 12 hours thereafter up to  €100

N/A

N/A

£20 for the 1st 12 hours delay, then £10 for each 12 hours thereafter up to £60

€35 for the 1st 12 hours delay, then €17 for each 12 hours thereafter up to  €100

N/A

N/A

£20 for the 1st 12 hours delay, then £10 for each 12 hours thereafter up to £60

€35 for the 1st 12 hours delay, then € 17 for each 12 hours thereafter up to  €100

N/A

N/A

Holiday Abandonment

Up to £500

€825

20%**

20%**

£500

€825

20%**

20%**

Not Available

Travel Disruption (payable where a delay will be for a minimum of 12 hours)

Up to £150

Up to  €220

N/A

N/A

Up to £300

Up to €435

N/A

N/A

Up to £150

Up to  €220

N/A

N/A

Missed Departure*

Up to £300

€500

£40

€65

£300

€500

N/A

N/A

Not Available

Airline Seat Bumping

Up to £250

€365

N/A

N/A

£250

€365

N/A

N/A

Not Available
 

Max Benefit

Max Benefit

N/A

N/A

Max Benefit

Max Benefit

N/A

N/A

Max Benefit

Max Benefit

N/A

N/A
Personal Accident £15,000 €25,000 £15,000 €25,000 £7,500 €11,000
Loss of limbs or sight (aged 70 and under) £15,000 €25,000 £15,000 €25,000 £7,500 €11,000
Permanent Total Disablement £15,000 €8,250 £5,000 €8,250 £7,500 €11,000
Death benefit (aged 18 – 70) £5,000 €4,125 £2,500 €4,125 £2,500 €3,700
Death benefit (aged under 18) £2,500 €4,125 £2,500 €4,125 £1,000 €1,500
All benefits (aged 71 and over) £2,500          

Personal Liability

Up to £2,000,000

Up to €2,500,000

£250

€410

Up to £2,000,000

Up to €2,500,000

£250

€410

Up to £2,000,000

Up to €2,500,000

£250

€410

Legal Expenses

Up to £5,000

€8,250

£250

€410

Up to £5,000

€8,250

£250

€410

Up to £2,500

€3,700

£250

€410

Golf Equipment***

Single Item Limit

Not Available

Up to £750

£150

Up to €1235

€250

£40

€65

Not Available

Golf Equipment Hire

Not Available

£30 per day up to £300

€50 per day up to €500

N/A

N/A

Not Available

Non Refundable Golfing Fees

Not Available

£30 per day up to £300

€50 per day up to €500

N/A

N/A

Not Available

Wintersports-available upon payment of an additional premium or when inclusive Annual Multi Trip is effected

Ski Equipment - Owned

Single Item Limit - Owned

Hired

Up to £500

£250

Up to £250

Up to  €825

€410

Up to  €410

£40

€65

Up to £500

£250

Up to £250

Up to  €825

€410

Up to € 410

£40

€65

Not Available

Ski Hire

£20 per day up to £200

€35 per day up to €330

N/A

N/A

£20 per day up to £200

€35 per day up to €330

N/A

N/A

Not Available

Ski Pack

£75 per day up to £300

€125 per day up to €500

N/A

N/A

£75 per day up to £300

€125 per day up to €500

N/A

N/A

Not Available

Piste Closure

£20 per day up to £200

€35 per day up to €330

N/A

N/A

£20 per day

up to £200

€35 per day up to €330

N/A

N/A

Not Available

Avalanche Closure

Up to £100

Up to  €165

£40

€65

Up to £100

Up to  €165

£40

€65

Not Available

Business Cover – available upon payment of an additional premium

Business Equipment

Single Item Limit

Computer Equipment – Single Item Limit

Samples

Business Equipment Delay

Emergency Courier

Up to £,2000

£500

£1,500

£500

£100 per day up to £200

Up to £500

Up to €3,000

€750

€2,250

€750

€150 per day up to €300

Up to €750

£50

€75

Up to £,2000

£500

£1,500

£500

£100 per day up to £200

Up to £500

Up to €3,000

€750

€2,250

€750

€150 per day up to €300

Up to €750

£50

€75

Not Available

Business Equipment Hire

£50 per day up to £500

€75 per day up to €750

N/A

N/A

£50 per day up to £500

€75 per day up to €750

N/A

N/A

Not Available

Business Money

Cash Limit

Up to £1,000

£500

Up to €1,500

€750

£50

€75

Up to £1,000

£500

Up to €1,500

€750

£50

€75

Not Available

Additional Personal Accident

2 x normal benefits

2 x normal benefits

N/A

N/A

2 x normal benefits

2 x normal benefits

N/A

N/A

Not Available

*In respect of Missed Departure the excess deductible will be restricted to 20% of the ticket price if a replacement Ryanair Direct ticket is purchased in order to complete the itinerary.

**Insureds aged 65 and over are subject to double excesses.

***Golf cover applies within Europe only.

 

This service, including all information and offers on this site, is operated by Acumus Insurance Solutions Ltd. under the agreement of Ryanair.

Prices correct as at 27/12/07. All prices quoted are based upon an online purchase. *Prices quoted are for a single trip which includes a Ryanair flight, booked via the travel insurance website. Quote was for a 40 year old with no pre-existing medical conditions. Cover levels may vary. Please ensure you check the cover levels are adequate for your needs.

Acumus Insurance Solutions Limited is a member of the Primary Group.
Authorised and regulated by the Financial Services Authority. Firm No. 309647