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Hi Globelink

I am a British expat and have just come to live in Spain. When I contacted my usual Broker, I was surprised when he told me that he could not renew my Annual Multi Trip travel insurance policy, because I was no longer resident in UK. Then I read an article in The Euro Weekly News about a UK based travel insurer who specialises in proving cover for people living in all EU countries. I visited their website and was surprised to see how reasonable their prices were. I arranged cover online and received my policy instantly. It was very easy.

Peter Springett
05/27/2008

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Travel Insurance Cover for Extreme Activities

Our Standard Travel Insurance policies provide cover for many activities. Please click here for more info However, there are some activities that cannot be covered under a Globelink policy, we have therefore made arrangements with a specialist travel insurer to provide Globelink Adventures cover for the following activities.

American Football, BMX Cycling, Bobsleigh, Boxing, Caving, Canyoning, Diving over 30 metres, Farm Work, Flying in unlicensed aircraft, Freestyle Skiing, Glacier Walking, Gliding, Go Karting. Hang Gliding , Heli-Skiing, Horse Jumping, Hot Air Ballooning, Ice Hockey, Kite Surfing, Micro Lighting, Martial Arts, Motor Cross, Motor Cycling, Motor Track, Manual work, Motor Rallies, Parachuting, Paragliding, Parascending, Polo, Potholing, Rock Climbing, Quad Biking, Sand Boarding, Ski Racing (major events), Ski Touring, Skydiving, Wake Boarding, Wrestling.

You can select from PART A only, if you already have a travel insurance policy in force, or if you select 2 or more days, you can add Part B to bring cover into line with a standard travel insurance policy.

ADVENTURES Keyfacts

ADVENTURES Policy Wording click here

ADVENTURES Premiums

ADVENTURES Categories

Click here to arrange cover.

Cover & Limits each person (Part A - Sections 1 to 5; Part ?� - Sections 6 to 8.)

Part A

Section		Significant Features & Benefits	Main Exclusions
Emergency Medical Assistance Service	Included	Medical expertise available 24 hours a day, 365 days a year. The assistance service has experienced multi-lingual co-ordinators, who will, in liaison with your treating doctor or physician, decide the most suitable, practical and reasonable solution to your problem. This may include arranging further medical assistance or repatriation, depending upon medical criteria and your fitness to travel.	As per Section 7, below.
1. Medical & Emergency Expenses Hospital Benefit Search and Rescue	£10,000,000 £400 (£20 per day) £50,000	Emergency medical and other expenses incurred outside your home country. Transfer of your body or ashes to your home country or reasonable funeral expenses abroad up to £3,500). Reasonable additional travelling expenses incurred in returning home, as a result of an injury or illness. Daily benefit payable in the event of hospitalisation outside your home country. Costs incurred as a result of an accident which involves search and emergency rescue	- Any pre-existing health condition unless cover has been agreed in writing and any additional premium paid. (See Page 6 of this leafletfor details of Medical Screening Requirements) - You are already on a waiting list for treatment - Treatment which can wait until your return home - You have a terminal prognosis - You are travelling against medical advice - Pregnancy or childbirth where the due delivery date is within 14 weeks of Your return Home. - Cover limited to £10,000 in Your own country.
2. Personal Accident	£15,000	A cash sum for accidental bodily injury, loss of sight or limbfs) or permanent total disablement.	- The Death benefit for persons under 16 is limited to £5,000. - Certain hazardous activities
3. Personal Liability	£2,000,000	Cover for compensation you become legally liable to pay for accidents which cause:-Death or bodily injury; Loss or damage to property.	Cover is not provided for:- - Injury to your employees, family or travelling companions - Property belonging to an insured person - Your trade, business or profession - Claims arising from your use or possession of vehicles, ships, boats or animals.
4. Activity Equipment (own) Single Article Limit Delayed Equipment (over 12 hours) Equipment Hire	£1,000 (£400) £100 £100	Cover in respect of accidental loss, breakage or theft of your own activity equipment. Hire of essential items if yours are delayed. If your own equipment is lost or damaged during your trip.	As per Section 6 opposite. Expenses that would have been incurred during the normal course of your trip
5. Legal Expenses	£25,000	Cover for legal costs in pursing a claim against a third party who caused your injury or illness.	Cover is not provided for claims against Underwriters, Insurer or Insurers Agents.

PART B

Section

Significant Features & Benefits

Main Exclusions

6. Baggage, Personal
Effects, Money and
Documents

Single Article Limit

Valuables (as defined)
Limit

Personal Money

Baggage Delay

Travel Documents

£1,500

(£300)

(£300)

£250

£100

£1,000

Cover for the loss, theft or damage of your own
personal effects.
Cover for loss or theft of your personal money.

Cover for purchase of essential items if your
property is delayed by at least 12 hours on the
outward journey.
Cover for loss of travel documents and if necessary,
additional travel and accommodation costs.

No cover will be provided for;-
- Property left unattended away from
your locked trip accommodation.
- Property left unattended in a motor
vehicle, except between 6.00am
and 11.00pm when it is in a locked
boot and entry was gained by
forcible means.
- Proof of purchase/ownership of
lost or stolen items will be required
- All losses should be reported to
the police and a report obtained.
- A Property Irregularity Report (PIR)
should be obtained and purchase
receipts provided for Baggage delay
claims.
- No cover will be provided unless
reasonable care for the safety/
supervision of the property is taken.

7. Loss of Deposit,
Cancellation and
Curtailment

£3,000

Reimbursement of deposits paid and forfeited for
unused travel and accommodation costs if the
booked holiday/trip is necessarily and unavoidably
cancelled or curtailed as a result of:
Accident or illness of insured person, close relative,
business associate, travelling companion or person
you intended staying with;
Compulsory quarantine, jury service or witness in
a court of law; qualifying redundancy, withdrawal
of Armed Forces leave, or serious damage to your
home.

- Cancellation due to illness or injury,
unless supported by a certificate from
a medical practitioner confirming the
need to cancel.
- Repatriation / Curtailment costs are
not covered unless the Emergency
Medical Assistance Service has been
notified and cover agreed.
- Any pre-existing health condition
unless cover has been agreed in
writing and any additional premium
paid. (See Page 6 of this leaflet
for details of Medical Screening
Requirements)
- Failure to obtain the required
passport/visa.
- Travelling against the advice or
recommendations of the British
Foreign & Commonwealth Office.
- Disinclination to travel.

8. Unexpected Events
Travel Disruption
Travel Delay
-each 12 hour delay
- up to a maximum
or,
Cancellation after 12
hours

£1,000
£30
£120
£3,000

Cover for additional travel & accommodation
to reach your destination, outside your home
country, as a result of delays due to failure of public
transport, or your own vehicle breaking down or
being involved in an accident.
Compensation for each 12 hours your booked
transport is delayed on either your outward or return
journey, or at your option, irrecoverable cancellation
costs if your delay exceeds 12 hours on the
outward journey.

No cover is provided;
- if you fail to check in correctly
- if you do not obtain written
confirmation of the delay
- for circumstances already known
about when the policy was
purchased.

Event excess
An event excess applies to certain sections of the policy and is deductible per claim for a single event or occurrence. This excess will be:

- £100 Medical & Emergency Expenses*
- £50 Activity Equipment (own)
£-100 Cancellation fall sections except loss of deposit claims only-£15) & Curtailment*

- £500 Search & Rescue
- £50 Loss of Baggage, Money & Travel Documents
- £50 Unexpected Events (travel disruption only).

* Please note that increased excesses may apply under these sections as a result of your contact with the Medical Screening Line. Any increase will be confirmed to you in writing.

Premiums are as follows and include a fee of £5 and insurance premium tax at 5%

Category Two Activities

Abseiling	Activity Centre Holidays	Amateur Sports £� Contact e.g. Rugby	American Football	Black Water Rafting
Boxing	Bungee Jumping	Canoeing /Rafting White Water Grades 4 & 5	Farm Work	Flying £� As a Pilot or passenger in an unlicensed aircraft
Gliding (Not Learning)	Kite Surfing	Martial Arts	Manual Work ground level only £� no machinery	Motor Cycle Touring (over 500cc)
Motor Rallies Other than major events	Parascending Over Land	Polo (Not Competitive)	Quad Biking	Rock Climbing as part of activity holiday £� not sole purpose of trip
Sand Boarding	Trekking below 4000m Organised by tour operator	Triathlon / Marathon running £� outside UK	Wakebo-arding	Winter Sports £� Cross Country Skiing / Langlauf
Winter Sports £� Dog Sledge / Husk Rides	Wrestling	Yachting outside Coastal Waters (excluding crewing)

Category Three Activities

Diving over 30 metres (With appropriate qualifications)	Flying/ Gliding Learning to Fly/Glide	Hot Air Ballooning	Manual Work (Up to 9 metres above ground /Hazardous machinery	Motor Track/ Off Road Motor-cycling Not competitive
Overland Trips £� Not organised by Tour Operator	Yachting involving Racing/ Crewing/tall ships/ocean crossing (excluding all or part of round the world trips

Category Four Activities

BMX Cycling (Competitive)	Canyoning	Glacier Crossing /Walking	Hang Gliding UK & EUROPE ONLY	Horse Jumping/ Polo Not Competitive
Micro Lighting Air Boarding Sky surfing UK & EUROPE ONLY	Motor Cross	Parachuting Paragliding Para Motoring Parasailing Parapenting Parapointing Sky Diving UK & EUROPE ONLY	Potholing / Caving	Rock Climbing
Shark Diving	Ski Instructors	Winter Sports Bobsleigh/ Skeleton	Winter Sports Heli-Skiing/Ski touring	Winter Sports Ice Hockey
Winter Sports Racing in Major Events	Winter Sports Stunting/ Freestyle/ Acrobatics/ Jumping

Europe Premiums

Duration	Category Two	Category Three	Category Four	All Categories
	PART A	PART A	PART A	PART B
1 Day	£18.75	£22.50	£27	N/A
Up to 5 days	£26.75	£30.50	£39	£11
Up to 9 Days	£32.50	£38	£49	£11
Up to 17 Days	£38.75	£45.50	£59	£11
Up to 24 Days	£41.25	£48.50	£63	£11
Up to 31 days	£47.50	£56	£72	£11

Worldwide Excluding USA, Canada & Caribbean Premiums

Duration	Category Two	Category Three	Category Four	All Categories
	PART A	PART A	PART A	PART B
1 Day	£26.25	£30.50	£39	N/A
Up to 9 Days	£43.75	£51.50	£67	£23
Up to 17 Days	£52.75	£63.50	£83	£23
Up to 24 Days	£61.25	£72.50	£95	£23
Up to 31 days	£73.75	£87.50	£115	£23

Worldwide Including USA, Canada & Caribbean Premiums

Duration	Category Two	Category Three	Category Four	All Categories
	PART A	PART A	PART A	PART B
1 Day	£41.25	£48.50	£62	N/A
Up to 9 Days	£70	£83	£109	£27
Up to 17 Days	£82.50	£98	£129	£27
Up to 24 Days	£96.25	£114.50	£151	£27
Up to 31 days	£107.50	£128	£169	£27

Click here to arrange cover.

Know Before You Go
As a partner in the Know Before You Go campaign, we are working with the Foreign and Commonwealth Office to do all that we can to help British travellers stay safe overseas. Before you go overseas, check out the FCO website. It is packed with essential travel advice and tips, and up-to- date country information.