Policy Details

Below you will find everything you need to know regarding your policy. This includes information regarding the policy summary, policy wording and initial disclosure document. Big Blue Cover recommend that you read through these prior to purchasing your insurance policy to ensure that the policy suits your requirements.

  • Policy summary
    A summary of our travel insurance detailing the features and benefits it provides.
  • Policy wording
    Full and comprehesive information relating to the travel information policy.
  • Initial disclosure document
    A short document providing information about Big Blue Cover and the services we provide.

Our travel insurance is typically suitable for those who wish to insure themselves when travelling for Cancellation and Curtailment, Medical Expenses, Personal Luggage, Personal Money, Holiday Abandonment, Redundancy, Missed Departure, Personal Accident, Personal Liability and Legal Expenses whilst overseas.

You may already possess alternative insurance(s) for some or all of the features and benefits provided by this product. It is your responsibility to investigate this.

Big Blue Cover Limited has not provided you with any recommendation or advice about whether this product fulfils your specific insurance requirements.

Important Information about your policy

Insurer
This insurance is underwritten by White Horse Insurance Ireland Limited.

Eligibility
This policy is only available to persons who have their main home in the UK and have not spent more than six months abroad in the previous year.

Telling us about material facts
Before you travel you must tell us about anything that may affect your cover. If you do not tell us about something that may be relevant, your cover may be refused and we may not cover any related claims.

Policy wording
The policy wording gives you full details of what is and what is not covered and what to do if you need to claim. It is very important that you read the whole of this policy before you travel and make sure the cover is suitable for you. Please make sure that you take it on holiday with you in case of an emergency. A copy of the Policy summary and Policy wording can be viewed and downloaded now by clicking the links at the top of this page. Please note that this is our standard customer agreement upon which we intend to rely. For your own benefit you should read this document carefully before taking out the policy. If you do not understand any point please ask for further assistance.

Policy limits
Each section of the policy shows the most you can claim but other limits may apply. For example under the Personal Luggage section there are other specific limits for any one item and for valuables (including photographic equipment). If you intend to take an expensive item with you please check that you have adequate personal possessions cover under your home and contents insurance.

Conditions and exclusions
Your policy does not cover all possible events and expenses. There are conditions and exclusions that apply to individual sections of the policy and general conditions and exclusions that apply to the whole policy. Please read the policy wording to check that the policy is suitable for you.

Cancellation rights
You have 14 days from receiving the policy wording to read it and see that it gives you the cover you require. During this time you can return the policy for a refund if you are dissatisfied with the cover. The refund will only be given provided you have not already made a claim, that there is not an impending claim and that you have not already started your holiday or journey. If the request to cancel is received outside of the 14 days cooling off period, then you should refer this to Big Blue Cover with the reasons for cancellation.

Policy excess
Most sections of the policy carry an Excess. This is the first amount of any claim that you will have to pay. The amount may vary depending on the level of cover you have chosen. It is applicable per person per section. The Excess will be reduced to NIL if you have used a EHIC (Formally E111) to reduce your medical expenses bill or paid the Excess Waiver premium.

Making a complaint
The policy contains a complaints procedure which tells you what steps you can take if you wish to make a complaint. For details of the complaints procedure click here.

Governing law
This policy is effected in England and is subject to the laws of England and Wales.