Travel Insurance Glossary
A B C D E F G H I J K L M N O P Q R S T U V W X Y ZAge Eligibility
Single trip - this policy is available to anyone under 86 years of age.
Annual multi trip - this policy is available to anyone under 80 years of age. If you reach the age of 80 during the period of insurance, cover will continue until the next renewal date but not afterwards. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Annual Multi Trip Travel Insurance
Annual multi trip travel insurance is one policy, which covers you for the whole 12 months, no matter how often you go. You can go on holiday as many times as you want during the period covered by your annual travel insurance, for up to 31 days each time and for trips in the UK where you have pre booked at least two nights - and you receive the same extensive cover every time you go. Our annual travel insurance is available to everyone under the age of 80. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Baggage
By Baggage we mean luggage, clothing, personal effects, valuables, golf equipment and other articles which belong to you (or for which you are legally responsible) which are worn, used or carried by you during any trip but excluding personal money and documents of any kind. Swinton Travel Insurance offers cover up to £1,500 for Baggage and £100 for delayed baggage. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Bodily Injury
This means an identifiable physical injury sustained by you which has been caused by a sudden, unexpected, external and visible means.
Injury as a result of your unavoidable exposure to the elements will be seen to be caused by bodily injury, for example if you were hit by lightening. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Business Equipment
These are items used by you in support of your business activity including portable office equipment, not just personal computers, telephones and calculators. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Business Travel Insurance Cover
At Swinton, we can offer you a tailor made business travel insurance package for your business trips. Business travel insurance also includes up to £750 cover for your vital business equipment. Your laptop and mobile are covered against loss or theft. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Business Trip
By this we mean a trip taken entirely, or even partially, for business purposes but manual work is excluded. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Cancellation Cover
This is unavoidable or necessary cancellation or curtailment of your trip due to death, bodily injury or illness. The maximum cover for this section is £5,000 per person. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Claims
To make a claim please call 0870 606 0068 (except for Legal expenses where you should call 0870 350 5716)
Close Business Associate
This means any person who if they were away from the business for one or more days at the same time as you prevents the proper continuation of the business. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Close Relative
By this we mean mothers, fathers, sisters, brothers, wives, husbands, daughters, sons, grandparents, grandchildren, and parents-in-law, sons-in-law, daughters-in-law, brothers-in-law, sisters-in-law, step parents, step children, step sisters, step brothers, foster children, legal guardians, partner or fiancé/fiancée. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Cruise
Means a trip involving a sea voyage of more than five days in total duration, where transportation and accommodation is primarily on an ocean-going passenger ship. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Curtailment/ Curtail
This means when the trip is abandoned by you returning directly to the United Kingdom as a result of the death, bodily injury or illness of you, or any person you are travelling with, a close relative, business associate or anyone you have arranged to stay with temporarily. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Delayed departure
This means if the public transport on which you're booked is delayed at the final departure point from or to the United Kingdom. Swinton Travel Insurance offers cover of up to £200 for Travel Delay. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Emergency Dental Treatment
With Swinton Travel Insurance you will be covered for emergency dental treatment for the immediate relief of pain (natural teeth only) up to a limit of £200 incurred outside the United Kingdom or within the Channel Islands. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Europe
All countries within the EU. If you are only visiting EU countries please select Europe when completing you travel insurance quote.
Excess
The part of each and every claim which is the responsibility of you, the insured. Swinton Travel Insurance offers the flexibility to have a £50 excess, or none at all. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Family Cover
By this we mean up to two adults and any number of their children, step children or foster children aged under 18 or 23 if in full time education, who are accompanying the parents or legal guardian insured on the same policy travelling on any trip to the same destination. Under annual multi trip travel insurance either adult is also insured to travel on their own. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Funeral Expenses
In the event of your death outside the United Kingdom the reasonable additional cost of the funeral expenses abroad up to a maximum of £1,500, plus the reasonable cost of conveying your ashes to your home or the additional costs of returning your body home. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Golf Holiday Cover
You will want to be sure that your golf clubs and the rest of your golfing equipment are covered by adequate travel insurance. At the same time, however, it's easy to pay too much for specialist golfing holiday insurance.
With Swinton Travel Insurance you get the best of both worlds - great levels of cover without paying over the odds. So you'll find our golfing holiday insurance gives you up to £1,000 cover for your golf equipment. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Golf Equipment
This means golf clubs, golf balls, golf bag, golf trolley, and golf shoes forming part of your baggage. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Home
By this we mean your normal place of residence in the United Kingdom.
Hospital benefit
The policy will give you £30 for every complete 24 hours you have to stay in hospital as an inpatient outside the United Kingdom or within the Channel Islands, up to a maximum of £500 as part of your travel insurance cover. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Insured Person
By this we mean each person travelling on a trip whose name appears in the travel insurance policy schedule.
Loss of limb
This means the loss by permanent severance of an entire hand or foot or the total and permanent loss of use of an entire hand or foot. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Loss of sight
Here we mean total and irrecoverable loss of sight. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Medical Condition
Means any disease, illness or injury. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Medical Expenses
Swinton Travel Insurance will pay up to £10,000,000 for your emergency medical, surgical, hospital, ambulance and nursing fees and charges incurred outside the UK or within the Channel Islands. It also covers emergency dental treatment and accommodation expenses if it is medically necessary for you to stay beyond your return date. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Medical Practitioner
This is a registered practising member of the medical profession who is not related to you or any person with whom you are travelling. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Missed departure
Means if you miss your plane, boat, train or other transport because public transport let you down or as a result of bad weather, mechanical breakdown or industrial action. Swinton Travel Insurance pays up to £500 for a missed departure. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Over 65s travel insurance
Perfect for the over 65s, our annual travel insurance policy includes up to £10 million of medical expenses and covers you for every trip of up to 31 days in length during the 12 months. It's available every year until you are 80 and includes cancellation cover of up to £5,000. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Overseas legal expenses
Swinton Travel Insurance will pay up to £25,000 to pursue a civil action for compensation if someone else causes you bodily injury, illness or death. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Personal money, Passport and Documents
We will pay you up to the amounts below for the accidental loss of, theft of or damage to personal money and documents (including passports, visas, driving licences and green cards). In respect of foreign currency cover is also operative during the 72 hours immediately preceding your departure on the outward journey.
The maximum we will pay for the following items is:
For bank notes, currency notes and coins £150.
If you are under the age of 16, for bank notes, currency and coins £50.
For all other personal money and documents £150.
For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Personal accident
This is a sum payable in the event of death, loss of limb or sight which causes permanent disablement, or temporary disablement caused by a road accident whilst you are travelling in a hire car in New Zealand. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Personal liability
This part of the policy will cover you for up to £2,000,000 if you are legally liable to pay compensation for bodily injury, death, illness, disease or damage to property. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Period of Insurance
This is the period stated in your schedule of insurance. Please note for Annual Multi trip insurance you are covered during the period for any trip not over 31 days. If single trip travel insurance is selected it means the period of the trip and terminating upon its completion, but not in any case exceeding the period shown in the schedule. Under these policies section a: Cancellation cover shall be operative from the time you pay the premium.
For all other sections of the policy, whichever cover is selected, the travel insurance policy commences when you leave your home or in respect of a business trip you place of business in the United Kingdom (whichever is the later) to commence the trip and terminates at the time of your return to your home or place or business (whichever is earlier) on completion of the trip.
The period of travel insurance is automatically extended for the period of delay in the event that your return to the United Kingdom is unavoidably delayed due to an event insured by this policy. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Personal Money
Means bank notes, currency notes and coins in current use, travellers cheques and other cheques, postal or money orders, pre-paid coupons or vouchers, travel tickets, event and entertainment tickets, phone cards, and credit/debit or charge cards held for private purposes.
For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Piste closure
This is when the skiing facilities have been closed in your resort and it is not possible to ski as a result of lack of snow or avalanche. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Policy Wording
This is your travel insurance policy. It contains details of cover, conditions and exclusions relating to each insured person and is the basis on which all claims will be settled.
Public Transport
This means any publicly licensed aircraft, sea vessel, train or coach on which you have booked travel. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Single Trip Travel Insurance
Swinton have made it easy to book straightforward, great value single trip travel insurance cover online. You get up to:
- £10,000,000 medical expenses cover - because treatment for an illness or accident can cost so much overseas
- £25,000 personal accident cover, just in case anything goes wrong
- £5,000 cancellation cover - this cover starts as soon as it's booked
- £1,500 baggage cover, insuring your luggage as well as you!
For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Single Parent Cover
Means one adult and any number of his/her children, step children or foster children aged under 18 or 23 if in full time education, accompanying the parent insured on the same policy travelling on any trip to the same destination. Under annual multi trip cover the adult is also insured to travel on their own. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Ski Equipment
Means skis (including bindings), ski boots, ski poles and snowboards. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Ski and Board Travel Insurance
Whether you are skiing, snow boarding - or doing a bit of both - our winter sports' travel insurance makes sure that you - and, almost as importantly, your ski equipment or board - are more than adequately covered. So our Ski and Board Travel Insurance gives you up to £750 equipment cover, or up to £300 for hired winter sports equipment. There's £150 for your ski pass and up to £600 for that disaster of disasters, piste closure. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Terrorism
Means an act including, but not limited to, the use of force or violence and/or the threat thereof, of any person or group(s) or persons, whether acting alone or on behalf of or in connection with any organisation(s) or governments, committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Trip
Means any holiday, business or pleasure trip or journey made by you within the area or travel shown in the schedule which begins and ends in the United Kingdom during the period of insurance but excluding one way trips or journeys.
If annual multi trip travel insurance cover is selected any such trip over 31 days is not insured and any trip solely within the United Kingdom is only covered where you have pre-booked at least two nights' accommodation in a hotel, motel, holiday camp, bed and breakfast, holiday cottage or similar accommodation rented for a fee. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Unattended
Means when you are not in full view of and not in a position to prevent unauthorised interference with your property or vehicle. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
United Kingdom
Means England, Scotland, Wales, Northern Ireland, Isle of Man, and the Channel Islands.
Valuables
Means jewellery, gold, silver, precious metal or precious or semiprecious stone articles, watches, furs, cameras, camcorders, photographic, audio, video, computer, television and telecommunications equipment (including CDs, DVDs, tapes, films, cassettes, cartridges and headphones), computer games and associated equipment, telescopes and binoculars. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Wedding Holiday cover
As you might expect, wedding holiday insurance from Swinton doesn't cost a fortune. All the important things are covered - including the bride's dress and groom's outfit (for up to £1,000), gifts (£750) and wedding photos (up to £500) - all for a surprisingly low premium. For full policy terms, conditions, restrictions and exclusions please see the Policy Wording.
Worldwide
All countries throughout the world. If you are travelling worldwide please select this when completing your travel insurance quote.
For further guidance on getting a Travel Insurance quote with Swinton, visit our FAQ's