European Travel Insurance

European Travel Insurance for you and your partner begins automatically the day you open your Silver account. Travel safely knowing that independent financial research company Defaqto have awarded our Silver travel insurance 5 Stars for its outstanding features and benefits.

You and your partner are covered for travel within Europe as long as your Silver account is active and you are both under 65 years of age.

European Travel Insurance cover	Silver Account
Advice before you travel including help with visa requirements, required inoculations and time differences	Yes
Help while you’re away including replacing medicines, tracing lost luggage, transferring emergency funds	Yes
New for old replacement for baggage under two years which is lost or stolen	Yes
War and terrorism cover is included under the Emergency medical, Hospital benefit and Personal accident sections	Yes
If you’re an Airmiles user, you can claim for any Airmiles used if you cancel a holiday, where the circumstances of your claim are covered in the terms of the policy	Yes
If you use your European Health Insurance Card and make a claim for medical expenses, your £40 excess will be waived	Yes
Cancellation or curtailment – unused travel and accommodation costs if you have to cancel or cut short your holiday	Up to £5,000
Emergency medical and dental treatment expenses while abroad and the cost of returning home	Up to £5,000,000
Personal accident benefit payable in the event of death, disablement or loss of limbs	Up to £30,000
Baggage cover if your personal possessions are lost or stolen	Up to £1,500
Legal expenses and advice in the event of injury or death	Up to £25,000
Personal liability against legal claims for your injury to others or damage to their property	Up to £2,000,000
Hospital benefit - £25 for each 24 hours any insured person spends in hospital	Up to £250
Replacement of essential items if your baggage is lost or misplaced and not returned for more than 12 hours on the outward journey	Up to £250
Departure delay (over 12 hours)	£20 per insured person for each subsequent 12 hour delay up to £100
Travel accident insurance	Up to £100,000 when holiday booked with a Silver account debit card
Family and Winter sports cover	No (upgrade available, charges apply)
Maximum trip duration	22 days

Need more information?

There’s no need to renew your insurance each year. As long as you remain a Silver account holder you and your partner will always be covered (subject to eligibility). Full terms and conditions can be found in the policy document or refer to your current account pack.

Am I eligible for cover?

You and your partner are eligible provided you are both under 65 years of age and will be living in the UK for at least 6 months during each 12 month period following the opening of your Silver account. You will not be covered for any existing medical conditions. Please refer to the policy document or your current account pack on this and other eligibility criteria.

Upgrading your cover

If you would like to extend your cover you can choose from a selection of optional upgrades. You can add winter sports to your cover, extend your trip length, pay an excess waiver fee and pay no excess on any claims you make or upgrade your baggage cover. For details, please call 08456 031 839 † or refer to the upgrading your travel insurance information in your policy document.

How do I make a claim?

You can call our claims department on 08456 031 839 † if you are in the UK or if abroad, our 24-hour assistance helpline on +44 1633 815 819. Please have your membership number at hand – this is your sort code and Silver account number.

Silver Account important information, features and benefits

† Available 24 hours a day, 7 days a week. Calls may be monitored and recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service.