You are here > Home > Gap Year Insurance Policy

Gap Year Insurance Policy

Whether you're taking a year out or a few months out on a career break or gap year, this tailor made policy will give you all the protection you need as long as you are aged 36 or under at the commencement of your trip. Unlike most policies, this covers you while working.

The Gap Year plan allows you to travel with all the vital cover needed for emergencies at a modest premium.

Summary of travel insurance cover (per person) listed below:

1 medical expenses A - All Medical Emergencies including repatriation B - Emergency Dental Treatment C - Getting someone out to you D - Funeral Coasts Abroad E - Hospital Benefit	£1,000,000 not covered £1,000 £2,000 not covered
2 personal accident & injury benefit Permanent total disablement	not covered
3 personal belongings, luggage and travel documents A - Luggage (overall limit) i) Cash limit ii) Money total limit iii) Single article limit iv) valuables (total) B - Passport, Tickets and Passes C - Luggage Delay	£500 not covered not covered £200 £150 £150 not covered
4 cancelling your trip or cutting it short A - Cancelling your Trip B - Cutting your Trip Short C - Missed the Boat/Plane/Cross Channel Train	£1,000 £1,000 £250
5 travel delay	not covered
6 highjack & hostage	not covered
7 catastrophes and natural disasters	not covered
8 air rage A - Flight delay B - Personal injury	not covered not covered
9 incarceration	not covered
10 personal liability	£1,000,000
11 legal expenses	£10,000
12 group travel (only available if you have a Group Travel Policy) A - Replacement of Group Leader B - Group Money C- Group Equipment	£5,000 £1,000 £5,000

Click here for price schedule from 1 month to 18 months

Sports covered - no winter sports covered

Sports marked with asterisk have no cover under section 2 Personal Accident & Injury Benefit

abseiling*, activity centre holidays* , archery*, athletics*, ballooning (as an organised excursion)*, baseball*, basketball*, bmx biking* ,bungee jumping*, Canoeing (except open sea or slalom), casual work including manual*, cricket*, cycle touring*, cross country running, cycling, deep sea fishing (not commercial or competitions)*, dinghy sailing*, elephant trekking*, farm holidays*, football*, Frisbee, go carting*, golf*, hiking*, hockey (field only)*, horse trekking*, horse riding (casual)*, ice skating*, jet skiing*, jogging and any other sport not involving extra risk*, kayaking*, la cross*, marathon/triathlon*, mono skiing*, mopeds (NB no PA cover if no crash helmet worn on mopeds >50cc)* motorcycle casual riding (NB no PA if no crash helmet worn on motorbikes>50cc)*, mountain biking on/off road*, outward bound*, paint balling*, parapending(behind motorised vehicle)*, parasailing (behind a boat)*, Passenger in a light aircraft/helicopter*, power boating (as a passenger)*, quad biking*, regular sports*, river kayaking*, rollerblading*, rowing*, safaris (without guns)*, sail-boarding*, sailing*, sand-boarding*, scrambling*, scuba diving to 30m*, skateboarding*, skin diving*, snorkelling*, soccer*, solo sailing (in shore waters)*, surfing*, trekking under 2,500m*, volleyball*, water skiing*, weightlifting*, white-water/boating/rafting/canoeing/kayaking*, windsurfer*, yachting in territorial waters*, zip climbing*, zip wiring*.

Some Activities may be fully covered under our Activity Policy

Click here for price schedule from 1 month to 18 months

If you would like any further information about gap year travel insurance, click to contact us