Travel insurance

Winter sports insurance provides cover for:

• emergency medical treatment caused by taking part in a winter sport
• the delay, loss, theft or damage to your ski equipment
• ski pack expenses
• piste closure
• avalanche closure

This is for activities and risks associated with going on a cruise. You won’t be covered for cruises unless you add this to your policy. With this cover you get:

• increased cover for your personal possessions
• cover for if you’re confined to your cabin
• cover for missed excursions and cruise itinerary changes

This gives you extra protection for your gadgets while you're on holiday. All levels of gadget cover include:

• theft
• loss
• accidental damage
• malicious damage

When you make a claim you'll have to pay an excess charge. If you want to waive this cost, add 'excess waiver' cover to your policy.

Adding this as an extra means that if a vehicle you've rented gets damaged, you can get back the excess or deposit set out in the rental agreement.

This will all depend on what you want to be covered for and who you are travelling with. You may want to consider how much your holiday has cost you and whether you have any pre-existing medical conditions that you could potentially need emergency treatment for abroad.

If you are only planning to travel once in a year, then a Single trip policy could be more appropriate for you. Single Trip policies do cover you to travel to multiple destinations, but you will need to ensure that you advise us of all destinations at quote stage.

If you are planning to go on holiday more than once in a year, then an Annual multi-trip policy could be more cost effective and save you having to take out a new policy each time you travel. You’ll also be covered for Cancellation from the start date of your Annual multi-trip policy, offering you value and peace of mind from the start.

You should ensure that each of the holidays you are planning will be covered by the policy you have selected.

For Single trip policies, the maximum trip duration is 90 days unless agreed by us in writing.

For Annual multi-trip policies, the maximum duration of cover available, unless otherwise shown on your Policy Schedule, is:

• Red / Economy / Standard - 31 days
• Silver / Premium - 45 days
• Gold - 94 days

Yes, our Single trip and Annual multi-trip policies cover holidays in the UK. You are covered for any trip not exceeding the maximum trip length as confirmed in your policy schedule, where you have pre-booked at least two nights’ accommodation.

Travel delay is not covered for any trips within the UK (except for trips to the Channel Islands).

If you purchase your policy through the Virgin Money website, we have no upper age limit on our Single trip policies. For our Annual multi-trip cover you must be aged 80 or under at the start of the policy period.

If you purchased your insurance through a comparison site such as Moneysupermarket.com you must be aged 85 or under for Single trip policies, or 75 or under for Annual multi-trip policies.

Children aged 17 or under must be accompanied by an adult over the age of 18 named on the insurance policy for the duration of the trip.

If any of your details change then you will need to contact us on 0330 175 8283 as soon as possible to update your policy.

If your details have changed and you travel without informing us of the changes then we may be unable to honour any claims which arise.

Our Family policy covers up to 2 adults and up to 5 children aged 17 or under. If your children are 18 years or over, you may want to consider buying a Group Annual multi-trip policy.