Travel - Policy Summary

About this document

Please note that this policy summary does not contain the full terms and conditions of the Contract of Insurance, so please take time to read the Policy Document to make sure you understand the cover it provides.


This insurance is arranged by MIS Motorist Insurance Services Limited and underwritten by UK General Insurance Ltd on behalf of Great Lakes Insurance SE. Great Lakes Insurance SE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ.

MIS Motorist Insurance Services Limited is authorised and regulated by the Financial Conduct Authority.

UK General Insurance Limited is authorised and regulated by the Financial Conduct Authority. Firm Reference No. 310101. You can check our details on the Financial Services Register

Great Lakes Insurance SE, UK Branch, is authorised by Bundesanstalt für Finanzdienstleistungsaufsicht and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Firm Reference No. 769884. Details about the extent of their regulation by the Financial Conduct Authority and Prudential Regulation Authority are available on request.

What is covered?  


Lifestyle Travel Insurance provides cover against financial loss, medical expenses and repatriation in the event a specified peril occurs whilst you are on holiday.

The limit of liability payable under this policy is detailed in your policy schedule.

Schedule of Cover

Description Cover (per Insurer) Up to Excess (per Insured)
A. Cancellation & Curtailment Charges £3000 £100 (Loss of deposit £35)
B. Emergency Medical Expenses and Repatriation £5,000,000 £120
Including Emergency Assistance Services    
C. Hospitalisation Benefit £450 (£15 per day) N/A
D. Personal Effects & Baggage £1500 £65
Single Item Limit £300  
Valuables Limit in Total £300  
Travel Documents £350  
Delayed Baggage £150 (£50 per day)  
E1. Personal Money £500 £65
Cash Limit £250  
Cash (Aged under 18) £75  
E2. Credit Card Fraud £350 N/A
F1. Travel Delay £15 for first 12hrs and £15 for each 12 hours (Up to £150) N/A
F2. Holiday Abandonment £3,000 £65
F3. Petcare £200 (£20 per day) N/A
G. Hijack £750 (£75 per day) N/A
H. Missed Departure £350 £65
I. Personal Accident Maximum Benefit N/A
Loss of Limbs or Sight (Aged under 66) £10,000  
Permanent Total Disablement (Aged under 66) £10,000  
Death Benefit (Aged 18 to 65) £10,000  
Death Benefit (Under 18 or 65yrs+) £3,500  
All Benefits (66yrs+) £3,500  
J. Personal Liability £1,500,000 N/A (£200 on Temporary Accommodation only)
K. Legal Expenses Cover £20,000 £200
L. Catastrophe Cover Up to £500 £65
M. Hotel Services Failure £200 (£20 per day) N/A
N. Schedule Airline Failure £750 £65
Wintersports (Available upon payment of additional premium)
O. Ski Equipment    
Owned £275 £65
Hired Up to £275  
Single item - Owned Up to £275  
Ski Hire £350 (£35 per day) N/A
P. Ski Pack £200 (£50 per day) N/A
Q. Piste Closure £350 (£35 per day) N/A
R. Delay due to Avalanche Up to £350 £65
Optional Extras (Available upon request)
S. Wedding Cover £500 £65
T. Golf Cover £500 £65
Green Fees £300 (£75 per day)  
Golf Hire £300 (£75 per day)  
U. Business Equipment £500 £65
Single Item Limit £500  
Computer Equipment single & total item limit £500