What Does the Policy Cover?

What Does the Policy Cover?


What does this mean

Policy Limits

Medical and Emergency travel expenses (including repatriation and emergency evacuation)

If you require medical treatment whilst you are abroad, there is cover for costs


Loss, theft or damage to personal baggage, including laptops etc.  Single article limit of £1000 per item.

If your personal belongings are lost, stolen or damaged, the Policy covers the cost repair or replacement .

£10,000 (inner limit of £3500 for business equipment), ie if you are using any equipment belonging to the University during the trip.

Lost or Delayed Baggage

If your baggage is delayed or lost during your trip, there is cover in place to purchase emergency items until your bag is returned to you. 

If your bag is not returned to you, the policy covers the cost of replacing your belongings with items of a similar cost and specification







Loss of money



If your trip is cancelled or curtailed due to circumstances beyond your control (usually illness to you or a family member for whom you are responsible)



Additional Information

Travel advice

Anyone considering travel should follow the advice on the University's Business Travel website.  It is important that a travel risk assessment is completed and signed off for travel to hazardous locations. If any doubt, you should consult the Foreign & Commonwealth Travel Advice website as well as the University Travel insurer Security website, Red24.  Trips to hazardous locations will need to be referred to Insurers for confirmation that cover can be placed and may attract an additional premium. - registration code is 7797 and then register your email address and password. Red24 also have a free text alert service which you can set up from the website.


Travel within the UK/Fieldtrips

If travel is within the UK, involves a trip by air or an overnight stay, it is recommended that travel insurance is arranged. Anyone organising a field trip should also apply for travel insurance, attaching a signed travel risk assessment to the online application.  This is particularly important if the trip involves students.


Pre-existing medical conditions

In general, there are no restrictions under the Policy for persons travelling with a pre-existing condition to the cover, provided that the person undertaking the travel is fit and able to travel, is not travelling against the advice of their GP and if they are on medication, ensure that they have a sufficient supply for the duration of the trip.  The policy does not cover the cost of repeat prescriptions.  The condition must be ‘managed and controlled’ as there is no cover for monitoring, screening, continuing physio, etc.   However some conditions may need to be referred to the Insurers for confirmation that cover is in place.  For further advice, please contact the Insurance Office (


Travelling whilst pregnant

There is no policy exclusion in respect of travelling whilst pregnant, provided that medical confirmation has been sought and that the airline will permit travel..  However there is an exclusion relating to medical expenses incurred as a result of childbirth, relating to the child which limits cover to £50,000.  A travel risk assessment should also be completed.


Winter Sports

There is cover for participation in winter sports, providing that you are skiing at your normal level. You’d be expected to adhere to local weather advice and not go off-piste.  Any winter sport activities that are of a higher risk, such as snow boarding, cross country skiing, etc will have to be referred to Insurers.



Insurers have certain requirements that must be adhered to in order for the Policy to provide cover.


 1   Each demand regulator is examined by a competent person every 12 months

2    Each air cylinder shall be inspected internally and externally every two years and given a hydraulic pressure test every 4 years by an IDEST registered test station in full accordance with BS5430 (or local equivalent)

3    No diving shall be to a depth greater than 30 metres (100 feet)

4    All diving shall be in the company of a "buddy diver"

5    No diving shall take place during the hours of darkness