Frequently Asked Questions (FAQs) - Silver

The Longer Trip Upgrade extends your travel insurance cover beyond the standard 31-day limit. With this upgrade, you can extend your cover for trips up to 120 days.

You can choose the duration that suits your travel plans, from 45 days, 60 days, 90 days and 120 days. These replace all previous trip extension upgrade options.

Winter sports holidays must be 31 days or less.

No. The maximum number of days you can extend your cover to has been reduced from 279 days to 120 days. For trips over 120 days, you would need a separate policy for the specific long trip.

From the 4th December 2025 all longer trip upgrades are removed from the renewal date. If you need a longer trip upgrade after your renewal, you will need to call us to purchase a new longer trip upgrade for trips that will go over the standard 31 days.  

The following upgrades are available to you:

Excess Waiver Upgrade - This upgrade removes the standard £50 excess you’d normally pay when making a claim.

Additional Traveller Upgrade – This upgrade allows you to add one extra adult or child to your policy who isn’t already covered.

Worldwide Cover Upgrade – This extends your insurance to cover trips outside of Europe, including destinations like the USA, Australia, and Asia.

Family Cover Upgrade - This extends cover to your unmarried, dependent children under 24 years old who are in full-time education.

To ensure full cover, it’s best to buy the upgrade at the time of booking your trip. Call your Membership services number to get to our Travel upgrades line. We’ll provide a quote and help you add the upgrade to your policy.

No. The upgrade must be arranged before you travel. It cannot be extended once your trip has started.

Golf cover has now been included in the standard cover, therefore no upgrade needed anymore. If your golf equipment (golf clubs, bag and trolley) is lost, stolen, or accidentally damaged during your trip, you’re covered up to £1,500.

If your equipment is delayed for more than 12 hours on the outward journey, you can claim up to £175 for hiring replacement equipment (£35 per day).

We have changed the accepted activities list to an excluded activities list, which now lists higher risk activities that we can’t cover. This means more activities will be covered as standard however we can’t offer cover for activities that are on the excluded list. 

The money limit has been increased from £500 to £750.

Valuables such as jewellery, mobile phones and laptops are covered up to a limit of £500 within the overall £2500 cover for your belongings.

The excess has been increased to £50 to better align with the costs associated with claims processing.

The excess will be applied per insured person, per incident, per trip. If multiple people claim for the same incident, the most you’ll pay is twice the excess. i.e. £100 max excess.

You are only covered for cancelling due to pregnancy if you are advised by a doctor not to travel as a direct result, or the transport operator confirms you would be travelling outside the conditions of carriage. The pregnancy must have been confirmed after you opened your account or booked your trip, whichever is later.

We won’t cover cancellation due to theft of passport or Visa unless it was kept in a concealed place, on your person, or in a bag that is on your person.

You are covered in the 31 days before your departure date or whilst on a trip if a government closes the border or introduces a local lockdown which prevents you from travelling or continuing your trip. 

We will only cover your passport or visa being stolen in the 7 days before travelling.