Swinton Travel Glossary of terms
What do we mean by?
Here are the meanings of some of the words and phrases used on this website. This glossary is here as a general guideline designed to help you with terms that you might not be familiar with. If you need to understand the term in detail and how it applies to you, then have a look at the policy wording.
Click on the relevant letter to jump to the section you need:
Annual Multi-trip cover:
With multi-trip travel insurance cover, you can take a number of trips abroad, up to 30 days per trip, and be insured for all of them. It usually lasts a year and works out cheaper than taking out several single-trip policies.
Baggage:
The luggage, clothing, personal effects, valuables, equipment and so on which belong to you and which you are taking on holiday. Excludes personal money and documents.
Business Equipment:
If included in your travel insurance, this covers items used in support of your business activity such as personal computers, telephones and calculators which you take on your holiday.
Terms, conditions, exclusions and excesses apply. Please refer to relevant policy wording for full details.
Cancellation cover:
When applied to travel Insurance, this ensures you are not out of pocket through having to cancel your holiday before you set off.
Terms, conditions, exclusions and excesses apply. Please refer to relevant policy wording for full details.
Curtailment cover:
For travel insurance, this ensures that you get some of the cost of your holiday back if you have to cut your holiday short, perhaps because of injury or illness.
Terms, conditions, exclusions and excesses apply. Please refer to relevant policy wording for full details.
Delayed Departure Cover:
Within your travel insurance policiy, delayed departure cover reimburses you for expenses such as food and accommodation incurred because your plane, boat or train is late leaving. Usually paid after you have been delayed for 12 hours, followed by an amount for subsequent 12 hour periods of delay.
Terms, conditions, exclusions and excesses apply. Please refer to relevant policy wording for full details.
Emergency Medical Expenses Cover:
Within your travel insurance policy, Emergency Medical Cover refunds the cost of treatment while you are on holiday abroad, including stays in hospital, out-patient treatment, emergency dental work, consultations with a doctor, and prescriptions. It may also include the cost of bringing you back to the UK or a close relative or friend staying with you or travelling out to look after you. It also usually covers burial or cremation costs or the cost of getting your body back to the UK should you die abroad.
Terms, conditions, exclusions and excesses apply. Please refer to relevant policy wording for full details.
Family Cover:
The online Swinton travel insurance policy provides cover for up to two adults and any number of children aged under 18 or 23 if in full time education. The children must accompany the adults insured on the same policy to the same destination. Under annual multi trip cover, either adult is also insured to travel on their own.
Terms, conditions, exclusions and excesses apply. Please refer to relevant policy wording for full details.
Insured:
The person who is insured. Also known as the Policyholder or Proposer.
Insurer:
An organisation which issues an insurance Policy in exchange for a premium and pays any eligible claims arising.
Legal Expenses:
Covers the legal cost of pursuing claims for compensation and/or damages if you are killed, injured or become ill when on holiday.
Terms, conditions, exclusions and excesses apply. Please refer to relevant policy wording for full details.
Legal Liability:
The obligation to recompense others because of your negligence.
Medical Examiner’s Report (MER):
A report by a doctor, given at the request of the Insurer. The cost is usually paid by the Insurer.
Terms, conditions, exclusions and excesses apply. Please refer to relevant policy wording for full details.
Multi-trip Cover:
Missed Departure Cover:
For travel insurance this can pay your additional expenses if you miss your plane, boat or train because public transport let you down because of bad weather, mechanical breakdown or industrial action without warning and have to make other arrangements to go on holiday which cost you extra.
Terms, conditions, exclusions and excesses apply. Please refer to relevant policy wording for full details.
Negligence:
The legal definition of negligence is the failure to exercise the care towards others which a reasonable or prudent person would do in the circumstances, or taking action which such a reasonable person would not.
Personal Liability:
see Legal Liability
Personal Money Cover:
Your travel insurance policy repays up to a certain amount for bank notes and coins as well as other means of paying for things such as travellers’ cheques, postal orders, vouchers, travel tickets, phonecards and credit/debit or charge cards held for private purposes.
Terms, conditions, exclusions and excesses apply. Please refer to relevant policy wording for full details.
Piste Closure:
With our ski and board travel insurance you are compensated if the piste is closed and you cannot get to an alternative ski resort.
Terms, conditions, exclusions and excesses apply. Please refer to relevant policy wording for full details.
Schedule:
The document that describes details of the cover you have and information that you have supplied to your insurer.
Single Trip Policy:
Travel insurance that covers you for just one holiday or business trip.
Specified Perils:
Specified risks, which may or may not be insured. These are defined in the Policy.
Winter Sports Cover:
Special travel insurance to cover you if you are going skiing or boarding. Takes into account the greater likelihood and cost of a claim and the particular expenses related to a winter holiday. Some insurers limit cover to on-piste skiing only, others permit off-piste skiing.
Terms, conditions, exclusions and excesses apply. Please refer to relevant policy wording for full details.
You:
See Insured