Argos Classic Single Trip

Section B1 - Medical and other expenses outside of the United Kingdom
Please note: If you are admitted into hospital as an inpatient for more than 24 hours someone must contact Travel Guard on your behalf immediately (please see the medical and other emergencies section on page 14 for further details).
What you are covered for under section B1
We will pay up to the amount shown in the table of benefits for the necessary and reasonable costs as a result of you becoming ill, being injured or dying during your trip. This includes:
1. Emergency medical, surgical and hospital treatment and ambulance costs.
2. Up to £200 for emergency dental treatment as long as it is for the immediate relief of pain only.
3. The cost of your return to the United Kingdom earlier than planned if this is medically necessary and Travel Guard approve this.
4. If you cannot return to the United Kingdom as you originally planned and Travel Guard approve this, we will pay for:
- Extra accommodation (room only) and travel expenses (economy class unless a higher grade of travel is confirmed as medically necessary and authorised by Travel Guard) to allow you to return to the United Kingdom; and
- Extra accommodation (room only) for someone to stay with you and travel home with you if this is necessary due to medical advice; or
- Reasonable expenses for one relative or friend to travel from the United Kingdom to stay with you (room only) and travel home with you if this is necessary due to medical advice.
5. Up to £5,000 for the cost of returning your body or ashes to the United Kingdom or up to £2,000 for the cost of the funeral and burial expenses in the country in which you die if this is outside the United Kingdom.
6. Channel Island and Isle of Man residents only. Emergency medical, surgical and hospital treatment costs or expenses levied by an NHS run medical facility whilst travelling within the United Kingdom (excluding travel within the Channel Islands or Isle of Man respectively) which are not covered by any provision of emergency medical treatment agreements between the Channel Islands or the Isle of Man's and the United Kingdoms national health services.
Please note: If the claim relates to your return travel to the United Kingdom and you do not hold a return ticket, we will deduct from your claim an amount equal to your original carriers published one way airfare (based on the same class of travel as that paid by you for your outward trip) for the route used for your return.
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Health
Your insurance contains conditions that relate to your health and the health of others who might not be travelling with you but whose well being your trip may depend on. In particular we may not cover medical problems which you or they had before the cover started.
Medical conditions
All claims are excluded where, at the time of taking out this insurance or when you booked your trip, you or any person who your travel depends on:
A) is suffering from a medical condition which you or they knew about before you bought this insurance
B) has been given a terminal prognosis by a medical practitioner
C) is pregnant and expected to give birth prior to twelve weeks before the end of a booked trip
D) is travelling against the advice of a medical practitioner or travelling to receive medical advice or treatment
E) is on a hospital waiting list awaiting treatment.collapse

Section F3 - Personal money
What you are covered for
We will pay up to the amount shown in the table of benefits for the loss or theft of the following if you can provide evidence you owned them and evidence of their value (this would include receipts, bank statements or cash-withdrawal slips):
- Cash; and
- Travellers cheques (if these cannot be refunded by the provider).
Please note: The maximum amount we will pay for cash carried by one person, whether jointly owned or not, is the cash limit as shown in the table of benefits (for children under 16 years of age a limit of £50 applies on Value policies or £100 applies on Classic policies).
What you are not covered for under sections F1, F2, F3 and F4
1. The excess as shown in the table of benefits for each insured person and for each incident (this does not apply if you are claiming under section F2).
2. Property you leave unattended in a public place.
3. Any claim for loss or theft to personal belongings and baggage, personal money or passports and travel documents which you do not report to the police within 24 hours of discovering it and which you do not get a written police report for.
4. Any claim for loss, theft, damage or delay to personal belongings and baggage which you do not report to the relevant airline or transport company within 24 hours of discovering it and which you do not get a written report for. In the case of an airline, a property irregularity report will be required. If the loss, theft or damage to your property is only noticed after you have left the airport, you must contact the airline in writing with full details of the incident within seven days of leaving the airport and get a written report from them.
5. Any loss or theft of your passport which you do not report to the consular representative of your home country within 24 hours of discovering it and get a written report for. 6. Any loss, theft or damage to valuables which you do not carry in your hand luggage while you are travelling.
7. Money, passports and travel documents which you do not carry with you unless they are being held in locked safety deposit facilities.
8. Claims arising due to an unauthorised person fraudulently using your credit or debit cards.
9. Claims where you are unable to provide receipts or other reasonable proof of ownership wherever possible for the items being claimed.
10. Breakage of fragile objects or breakage of sports equipment while being used (unless your claim is for damage to winter sports equipment or golf equipment and the appropriate premium for winter sports or golf cover has been paid).
11. Damage due to scratching or denting unless the item has become unusable as a result of this.
12. Shortages due to variations in exchange rates.
13. If your property is delayed or held as a result of Customs, the police or other officials legally holding it.
14. Loss of jewellery (other than wedding rings) while swimming or taking part in dangerous activities.
15. Losses caused by mechanical or electrical breakdown or damage caused by leaking powder or fluid carried within your baggage.
16. Loss, theft or damage to contact or corneal lenses, sunglasses, prescription glasses or spectacles, dentures, hearing aids, artificial limbs, paintings, household equipment, mobile phones (unless the appropriate premium for business cover has been paid), bicycles and their accessories, motor vehicles and their accessories, marine craft and equipment or items of a perishable nature (meaning items that can decay or rot and will not last for long, for example, food).
Claims evidence required for sections F1 to F4
- Statement of Insurance
- Loss or theft of property or money - police report
- Loss, theft or damage by an airline - property irregularity report, flight tickets and baggage check tags
- Delay by an airline - written confirmation of the length of delay from the airline, flight tickets, baggage check tags, receipts for emergency purchases
- Loss or theft of a passport - police report, consular report, receipts for additional expenses to get a replacement passport overseas
- Proof of value and ownership for property and money
Please note: We may request other evidence to support your claim dependent upon your circumstances.
Important information:
- You must act in a reasonable way as if uninsured to look after your property and not leave it unattended or unsecured in a public place
- You must carry valuables and money with you when you are travelling. When you are not travelling, keep your money and passport with you at all times or leave them in a locked safety deposit box
- You must report all losses, thefts or delays to the relevant authorities and obtain a written report from them within 24 hours of the incident
- You must provide Argos Travel Claims with all the documents they need to deal with your claim, including a police report, a property irregularity report, receipts for the items being claimed as applicable
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Section F4 - Passport and travel documents
What you are covered for
We will pay up to the amount shown in the table of benefits for the cost of replacing the following items belonging to you if they are lost, stolen or damaged during your trip:
- Passport;
- Travel and admission tickets; and
- Visas.
Please note: The cost of replacing your passport includes the necessary and reasonable costs you pay overseas associated with getting a replacement passport to allow you to return back to the United Kingdom (this would include travel costs to the local Embassy as well as the cost of the emergency passport itself). A claim for the lost or stolen passport would be calculated according to its expiry date - depending upon how many years there were left to run on the original passport, an unused pro-rata refund would be made of its original value.
What you are not covered for under sections F1, F2, F3 and F4
1. The excess as shown in the table of benefits for each insured person and for each incident (this does not apply if you are claiming under section F2).
2. Property you leave unattended in a public place.
3. Any claim for loss or theft to personal belongings and baggage, personal money or passports and travel documents which you do not report to the police within 24 hours of discovering it and which you do not get a written police report for.
4. Any claim for loss, theft, damage or delay to personal belongings and baggage which you do not report to the relevant airline or transport company within 24 hours of discovering it and which you do not get a written report for. In the case of an airline, a property irregularity report will be required. If the loss, theft or damage to your property is only noticed after you have left the airport, you must contact the airline in writing with full details of the incident within seven days of leaving the airport and get a written report from them.
5. Any loss or theft of your passport which you do not report to the consular representative of your home country within 24 hours of discovering it and get a written report for. 6. Any loss, theft or damage to valuables which you do not carry in your hand luggage while you are travelling.
7. Money, passports and travel documents which you do not carry with you unless they are being held in locked safety deposit facilities.
8. Claims arising due to an unauthorised person fraudulently using your credit or debit cards.
9. Claims where you are unable to provide receipts or other reasonable proof of ownership wherever possible for the items being claimed.
10. Breakage of fragile objects or breakage of sports equipment while being used (unless your claim is for damage to winter sports equipment or golf equipment and the appropriate premium for winter sports or golf cover has been paid).
11. Damage due to scratching or denting unless the item has become unusable as a result of this.
12. Shortages due to variations in exchange rates.
13. If your property is delayed or held as a result of Customs, the police or other officials legally holding it.
14. Loss of jewellery (other than wedding rings) while swimming or taking part in dangerous activities.
15. Losses caused by mechanical or electrical breakdown or damage caused by leaking powder or fluid carried within your baggage.
16. Loss, theft or damage to contact or corneal lenses, sunglasses, prescription glasses or spectacles, dentures, hearing aids, artificial limbs, paintings, household equipment, mobile phones (unless the appropriate premium for business cover has been paid), bicycles and their accessories, motor vehicles and their accessories, marine craft and equipment or items of a perishable nature (meaning items that can decay or rot and will not last for long, for example, food).
Claims evidence required for sections F1 to F4
- Statement of Insurance
- Loss or theft of property or money - police report
- Loss, theft or damage by an airline - property irregularity report, flight tickets and baggage check tags
- Delay by an airline - written confirmation of the length of delay from the airline, flight tickets, baggage check tags, receipts for emergency purchases
- Loss or theft of a passport - police report, consular report, receipts for additional expenses to get a replacement passport overseas
- Proof of value and ownership for property and money
Please note: We may request other evidence to support your claim dependent upon your circumstances.
Important information:
- You must act in a reasonable way as if uninsured to look after your property and not leave it unattended or unsecured in a public place
- You must carry valuables and money with you when you are travelling. When you are not travelling, keep your money and passport with you at all times or leave them in a locked safety deposit box
- You must report all losses, thefts or delays to the relevant authorities and obtain a written report from them within 24 hours of the incident
- You must provide Argos Travel Claims with all the documents they need to deal with your claim, including a police report, a property irregularity report, receipts for the items being claimed as applicable
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Section M1 - Winter sports equipment
What you are covered for
We will pay up to the amount shown in the table of benefits for winter sports equipment owned or hired by you which is lost, stolen or damaged during your trip.
Please note:
- An allowance will be made for wear, tear and loss of value on claims made for winter sports equipment owned by you as follows.
Up to 12 months old - 90% of the purchase price
Up to 24 months old - 70% of the purchase price
Up to 36 months old - 50% of the purchase price
Up to 48 months old - 30% of the purchase price
Up to 60 months old - 20% of the purchase price
Over 60 months old - 0%
- The maximum amount we will pay for any one item, pair or set of items is shown in the table of benefits. Please refer to the definition of pair or set of items on page 15.
- You must bring any damaged winter sports equipment you own back to the United Kingdom for inspection.
Claims evidence required for sections M1 to M3
- Statement of Insurance
- Loss or theft - police report
- Loss, theft or damage by an airline - property irregularity report, flight tickets and baggage check tags
- Delay by an airline - written confirmation of the length of delay from the airline, flight tickets, baggage check tags, receipts for the hire of winter sports equipment
- Proof of value and ownership
Please note: This is not a full list and we may require other evidence to support your claim.collapse

Section M1 - Winter sports equipment
What you are covered for
We will pay up to the amount shown in the table of benefits for winter sports equipment owned or hired by you which is lost, stolen or damaged during your trip.
Please note:
- An allowance will be made for wear, tear and loss of value on claims made for winter sports equipment owned by you as follows.
Up to 12 months old - 90% of the purchase price
Up to 24 months old - 70% of the purchase price
Up to 36 months old - 50% of the purchase price
Up to 48 months old - 30% of the purchase price
Up to 60 months old - 20% of the purchase price
Over 60 months old - 0%
- The maximum amount we will pay for any one item, pair or set of items is shown in the table of benefits. Please refer to the definition of pair or set of items on page 15.
- You must bring any damaged winter sports equipment you own back to the United Kingdom for inspection.
Claims evidence required for sections M1 to M3
- Statement of Insurance
- Loss or theft - police report
- Loss, theft or damage by an airline - property irregularity report, flight tickets and baggage check tags
- Delay by an airline - written confirmation of the length of delay from the airline, flight tickets, baggage check tags, receipts for the hire of winter sports equipment
- Proof of value and ownership
Please note: This is not a full list and we may require other evidence to support your claim.collapse

Section F1 - Personal belongings and baggage
Please note: Cover under this section can be deleted on Value policies by paying a reduced premium.
What you are covered for
We will pay for items which are usually carried or worn by travellers for their individual use during a trip. We will pay up to the amount shown in the table of benefits for items owned (not borrowed or rented) by you which are lost, stolen or damaged during your trip.
Please note:
- Payment will be based on the value of the property at the time it was lost, stolen or damaged.
An allowance may need to be made for wear, tear and loss of value depending on the age of the property.
- The maximum amount we will pay for any one item, pair or set of items is shown in the table of benefits. Please refer to the definition of 'pair or set of items' on page 16.
- The maximum amount we will pay for valuables in total is shown in the table of benefits.
Please refer to the definition of 'valuables' on page 17
- The maximum we will pay for property which is lost or stolen from an unattended motor vehicle is £100 for each insured person as long as the property was kept in a locked boot, a locked and covered luggage compartment or a locked glove compartment and there is evidence of forced and violent entry to the vehicle.
Section F2 - Delayed baggage
Please note: No cover is provided under this section if you are a Gap Year policyholder.
What you are covered for
We will pay up to the amount shown in the table of benefits for buying essential items if your baggage is delayed in reaching you on your outward international journey for more than 24 hours.
Please note: You must get written confirmation of the length of the delay from the appropriate airline or transport company and you must keep all receipts for the essential items you buy.
If your baggage is permanently lost we will take any payment we make for delayed baggage from your overall claim for baggage.
What you are not covered for under sections F1, F2, F3 and F4
1. The excess as shown in the table of benefits for each insured person and for each incident (this does not apply if you are claiming under section F2).
2. Property you leave unattended in a public place.
3. Any claim for loss or theft to personal belongings and baggage, personal money or passports and travel documents which you do not report to the police within 24 hours of discovering it and which you do not get a written police report for.
4. Any claim for loss, theft, damage or delay to personal belongings and baggage which you do not report to the relevant airline or transport company within 24 hours of discovering it and which you do not get a written report for. In the case of an airline, a property irregularity report will be required. If the loss, theft or damage to your property is only noticed after you have left the airport, you must contact the airline in writing with full details of the incident within seven days of leaving the airport and get a written report from them.
5. Any loss or theft of your passport which you do not report to the consular representative of your home country within 24 hours of discovering it and get a written report for.
6. Any loss, theft or damage to valuables which you do not carry in your hand luggage while you are travelling.
7. Money, passports and travel documents which you do not carry with you unless they are being held in locked safety deposit facilities.
8. Claims arising due to an unauthorised person fraudulently using your credit or debit cards.
9. Claims where you are unable to provide receipts or other reasonable proof of ownership wherever possible for the items being claimed.
10. Breakage of fragile objects or breakage of sports equipment while being used (unless your claim is for damage to winter sports equipment or golf equipment and the appropriate premium for winter sports or golf cover has been paid).
11. Damage due to scratching or denting unless the item has become unusable as a result of this.
12. Shortages due to variations in exchange rates.
13. If your property is delayed or held as a result of Customs, the police or other officials legally holding it.
14. Loss of jewellery (other than wedding rings) while swimming or taking part in dangerous activities.
15. Losses caused by mechanical or electrical breakdown or damage caused by leaking powder or fluid carried within your baggage.
16. Loss, theft or damage to contact or corneal lenses, sunglasses, prescription glasses or spectacles, dentures, hearing aids, artificial limbs, paintings, household equipment, mobile phones (unless the
appropriate premium for business cover has been paid), bicycles and their accessories, motor vehicles and their accessories, marine craft and equipment or items of a perishable nature (meaning items that can decay or rot and will not last for long, for example, food).
Claims evidence required for sections F1 to F4
- Statement of Insurance
- Loss or theft of property or money - police report
- Loss, theft or damage by an airline - property irregularity report, flight tickets and baggage check tags
- Delay by an airline - written confirmation of the length of delay from the airline, flight tickets, baggage check tags, receipts for emergency purchases
- Loss or theft of a passport - police report, consular report, receipts for additional expenses to get a replacement passport overseas
- Proof of value and ownership for property and money
Please note: We may request other evidence to support your claim dependent upon your circumstances.
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Section F1 - Personal belongings and baggage
Please note: Cover under this section can be deleted on Value policies by paying a reduced premium.
What you are covered for
We will pay for items which are usually carried or worn by travellers for their individual use during a trip. We will pay up to the amount shown in the table of benefits for items owned (not borrowed or rented) by you which are lost, stolen or damaged during your trip.
Please note:
- Payment will be based on the value of the property at the time it was lost, stolen or damaged.
An allowance may need to be made for wear, tear and loss of value depending on the age of the property.
- The maximum amount we will pay for any one item, pair or set of items is shown in the table of benefits. Please refer to the definition of 'pair or set of items' on page 16.
- The maximum amount we will pay for valuables in total is shown in the table of benefits.
Please refer to the definition of 'valuables' on page 17
- The maximum we will pay for property which is lost or stolen from an unattended motor vehicle is £100 for each insured person as long as the property was kept in a locked boot, a locked and covered luggage compartment or a locked glove compartment and there is evidence of forced and violent entry to the vehicle.
Section F2 - Delayed baggage
Please note: No cover is provided under this section if you are a Gap Year policyholder.
What you are covered for
We will pay up to the amount shown in the table of benefits for buying essential items if your baggage is delayed in reaching you on your outward international journey for more than 24 hours.
Please note: You must get written confirmation of the length of the delay from the appropriate airline or transport company and you must keep all receipts for the essential items you buy.
If your baggage is permanently lost we will take any payment we make for delayed baggage from your overall claim for baggage.
What you are not covered for under sections F1, F2, F3 and F4
1. The excess as shown in the table of benefits for each insured person and for each incident (this does not apply if you are claiming under section F2).
2. Property you leave unattended in a public place.
3. Any claim for loss or theft to personal belongings and baggage, personal money or passports and travel documents which you do not report to the police within 24 hours of discovering it and which you do not get a written police report for.
4. Any claim for loss, theft, damage or delay to personal belongings and baggage which you do not report to the relevant airline or transport company within 24 hours of discovering it and which you do not get a written report for. In the case of an airline, a property irregularity report will be required. If the loss, theft or damage to your property is only noticed after you have left the airport, you must contact the airline in writing with full details of the incident within seven days of leaving the airport and get a written report from them.
5. Any loss or theft of your passport which you do not report to the consular representative of your home country within 24 hours of discovering it and get a written report for.
6. Any loss, theft or damage to valuables which you do not carry in your hand luggage while you are travelling.
7. Money, passports and travel documents which you do not carry with you unless they are being held in locked safety deposit facilities.
8. Claims arising due to an unauthorised person fraudulently using your credit or debit cards.
9. Claims where you are unable to provide receipts or other reasonable proof of ownership wherever possible for the items being claimed.
10. Breakage of fragile objects or breakage of sports equipment while being used (unless your claim is for damage to winter sports equipment or golf equipment and the appropriate premium for winter sports or golf cover has been paid).
11. Damage due to scratching or denting unless the item has become unusable as a result of this.
12. Shortages due to variations in exchange rates.
13. If your property is delayed or held as a result of Customs, the police or other officials legally holding it.
14. Loss of jewellery (other than wedding rings) while swimming or taking part in dangerous activities.
15. Losses caused by mechanical or electrical breakdown or damage caused by leaking powder or fluid carried within your baggage.
16. Loss, theft or damage to contact or corneal lenses, sunglasses, prescription glasses or spectacles, dentures, hearing aids, artificial limbs, paintings, household equipment, mobile phones (unless the
appropriate premium for business cover has been paid), bicycles and their accessories, motor vehicles and their accessories, marine craft and equipment or items of a perishable nature (meaning items that can decay or rot and will not last for long, for example, food).
Claims evidence required for sections F1 to F4
- Statement of Insurance
- Loss or theft of property or money - police report
- Loss, theft or damage by an airline - property irregularity report, flight tickets and baggage check tags
- Delay by an airline - written confirmation of the length of delay from the airline, flight tickets, baggage check tags, receipts for emergency purchases
- Loss or theft of a passport - police report, consular report, receipts for additional expenses to get a replacement passport overseas
- Proof of value and ownership for property and money
Please note: We may request other evidence to support your claim dependent upon your circumstances.
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Section F1 - Personal belongings and baggage
Please note: Cover under this section can be deleted on Value policies by paying a reduced premium.
What you are covered for
We will pay for items which are usually carried or worn by travellers for their individual use during a trip. We will pay up to the amount shown in the table of benefits for items owned (not borrowed or rented) by you which are lost, stolen or damaged during your trip.
Please note:
- Payment will be based on the value of the property at the time it was lost, stolen or damaged.
An allowance may need to be made for wear, tear and loss of value depending on the age of the property.
- The maximum amount we will pay for any one item, pair or set of items is shown in the table of benefits. Please refer to the definition of 'pair or set of items' on page 16.
- The maximum amount we will pay for valuables in total is shown in the table of benefits.
Please refer to the definition of 'valuables' on page 17
- The maximum we will pay for property which is lost or stolen from an unattended motor vehicle is £100 for each insured person as long as the property was kept in a locked boot, a locked and covered luggage compartment or a locked glove compartment and there is evidence of forced and violent entry to the vehicle.
Section F2 - Delayed baggage
Please note: No cover is provided under this section if you are a Gap Year policyholder.
What you are covered for
We will pay up to the amount shown in the table of benefits for buying essential items if your baggage is delayed in reaching you on your outward international journey for more than 24 hours.
Please note: You must get written confirmation of the length of the delay from the appropriate airline or transport company and you must keep all receipts for the essential items you buy.
If your baggage is permanently lost we will take any payment we make for delayed baggage from your overall claim for baggage.
What you are not covered for under sections F1, F2, F3 and F4
1. The excess as shown in the table of benefits for each insured person and for each incident (this does not apply if you are claiming under section F2).
2. Property you leave unattended in a public place.
3. Any claim for loss or theft to personal belongings and baggage, personal money or passports and travel documents which you do not report to the police within 24 hours of discovering it and which you do not get a written police report for.
4. Any claim for loss, theft, damage or delay to personal belongings and baggage which you do not report to the relevant airline or transport company within 24 hours of discovering it and which you do not get a written report for. In the case of an airline, a property irregularity report will be required. If the loss, theft or damage to your property is only noticed after you have left the airport, you must contact the airline in writing with full details of the incident within seven days of leaving the airport and get a written report from them.
5. Any loss or theft of your passport which you do not report to the consular representative of your home country within 24 hours of discovering it and get a written report for.
6. Any loss, theft or damage to valuables which you do not carry in your hand luggage while you are travelling.
7. Money, passports and travel documents which you do not carry with you unless they are being held in locked safety deposit facilities.
8. Claims arising due to an unauthorised person fraudulently using your credit or debit cards.
9. Claims where you are unable to provide receipts or other reasonable proof of ownership wherever possible for the items being claimed.
10. Breakage of fragile objects or breakage of sports equipment while being used (unless your claim is for damage to winter sports equipment or golf equipment and the appropriate premium for winter sports or golf cover has been paid).
11. Damage due to scratching or denting unless the item has become unusable as a result of this.
12. Shortages due to variations in exchange rates.
13. If your property is delayed or held as a result of Customs, the police or other officials legally holding it.
14. Loss of jewellery (other than wedding rings) while swimming or taking part in dangerous activities.
15. Losses caused by mechanical or electrical breakdown or damage caused by leaking powder or fluid carried within your baggage.
16. Loss, theft or damage to contact or corneal lenses, sunglasses, prescription glasses or spectacles, dentures, hearing aids, artificial limbs, paintings, household equipment, mobile phones (unless the
appropriate premium for business cover has been paid), bicycles and their accessories, motor vehicles and their accessories, marine craft and equipment or items of a perishable nature (meaning items that can decay or rot and will not last for long, for example, food).
Claims evidence required for sections F1 to F4
- Statement of Insurance
- Loss or theft of property or money - police report
- Loss, theft or damage by an airline - property irregularity report, flight tickets and baggage check tags
- Delay by an airline - written confirmation of the length of delay from the airline, flight tickets, baggage check tags, receipts for emergency purchases
- Loss or theft of a passport - police report, consular report, receipts for additional expenses to get a replacement passport overseas
- Proof of value and ownership for property and money
Please note: We may request other evidence to support your claim dependent upon your circumstances.
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Section D - Missed departure
Please note: No cover is provided under this section if you are a Gap Year policyholder or if your travel is within the United Kingdom.
Definition relating to this section
Public transport
Aircraft, bus, coach, ferry, sea vessel or train which operates according to a published timetable.
What you are covered for
We will pay up to the amount shown in the table of benefits for the reasonable extra costs of travel and accommodation you need to arrive at your booked holiday destination if you cannot reach the final international departure point on the outward or return journey from or to the United Kingdom because:
- public transport services (please refer to the definition of 'public transport' above) fail due to poor weather conditions, a strike, industrial action or mechanical breakdown; or
- the vehicle in which you are travelling is directly involved in an accident or suffers a mechanical breakdown (this would not include your vehicle running out of fuel, oil or water or suffering a flat tyre, puncture or flat battery).
What you are not covered for under section D
1. An excess as shown in the table of benefits for each insured person and for each incident.
2. Any claims where you have not allowed enough time to reach your final booked international departure point at or before the recommended time.
3. Any claims where you have not obtained written confirmation from the appropriate transport company or authority stating the reason for the delay and how long the delay lasted.
4. Any claims relating to your own vehicle suffering a mechanical breakdown if you are unable to provide evidence that the vehicle was properly serviced and maintained and that any recovery or repair was made by a recognised breakdown organisation.
Claims evidence required for section D
- Statement of Insurance
- Proof of travel (confirmation invoice, flight tickets)
- Invoices and receipts for your expenses
- An official letter confirming the reason for your late arrival and the length of the delay
Please note: We may request other evidence to support your claim dependent upon your circumstances.
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Section A - Cancelling your trip
Please note: Cover under this section can be deleted on Value policies by paying a reduced premium.
What you are covered for
We will pay up to the amount shown in the table of benefits for:
- travel and accommodation expenses which you have paid or have agreed to pay under a contract and which you cannot get back;
- the cost of excursions, tours and activities which you have paid for and which you cannot get back; and
- the cost of visas which you have paid for and which you cannot get back.
Please note: If payment has been made using frequent flyer points, airmiles, loyalty card points or the like, settlement of your claim will be based upon the lowest available published flight fare for the flight originally booked if they are non-transferable.
We will provide this cover if the cancellation of your trip is necessary and unavoidable as a result of the following.
1. You dying, becoming seriously ill or being injured.
2. The death, serious illness or injury of a relative, close business associate, a person who you have booked to travel with or a relative or friend living abroad who you had planned to stay with. The incident giving rise to the claim must have been unexpected and not something you were aware of when you took out this insurance.
3. You being made redundant, as long as you are entitled to payment under the current redundancy payments law and that, at the time of booking your trip, you had no reason to believe that you would be made redundant.
4. You or a person who you have booked to travel with being called for jury service (and your request to postpone your service has been rejected) or attending court as a witness (but not as an expert witness).
5. An accident to the vehicle in which you were planning to travel which happens within seven days before the date you planned to depart which leaves the vehicle unusable (this only applies to self drive holidays).
6. If the police or relevant authority need you to stay in the United Kingdom after a fire, storm, flood, burglary or vandalism to your home or place of business within seven days before you planned to leave on your trip.
7. If you are a member of the armed forces or police, fire, nursing or ambulance services which results in you having to stay in the United Kingdom due to an unforeseen emergency or if you are posted overseas unexpectedly.
8. If after the time you booked your trip the Foreign and Commonwealth Office advises against all (but essential) travel to your intended destination.
9. If you become pregnant after the date you arranged this insurance cover (or booked your trip, whichever is earlier, if you are a Multi-Trip policyholder) and you will be more than 26 weeks pregnant at the start of or during your trip. Or, if you become pregnant after the date you arranged this insurance cover and your doctor advises that you are not fit to travel due to complications in your pregnancy.
What you are not covered for under section A
1. The excess as shown in the table of benefits. The excess will apply for each trip that you have booked and for each insured person.
2. Cancelling your trip because of a medical condition or an illness related to a medical condition which you knew about at the time of taking out this insurance and which could reasonably be expected to lead to a claim. This applies to you, a relative, business associate or a person who you are travelling with, and any person you were depending on for the trip.
3. You not wanting to travel.
4. Any extra costs resulting from you not telling the holiday company as soon as you know you have to cancel your trip.
5. You being unable to travel due to your failure to obtain the passport or visa you need for the trip.
6. Airport taxes shown in the cost of your flights.
7. Costs which have been paid for on behalf of a person who has not taken out insurance cover with Argos.
Claims evidence required for section A
- Statement of Insurance
- Proof of travel cost (confirmation invoice, travel tickets, unused excursion, tour or activity tickets)
- Cancellation invoice or letter confirming whether any refund is due
- A medical certificate which we will supply for the appropriate doctor to complete
- An official letter confirming: redundancy, emergency posting overseas, the need for you to remain in the United Kingdom, the accident to your vehicle in which you intended to travel
- Summons for jury service
Please note: We may request other evidence to support your claim dependent upon your circumstances.
Section C - Cutting your trip short
Please note: If you need to return home to the United Kingdom earlier than planned, you must contact Argos Travel Assist immediately (please see the medical and other emergencies section on page 14 for further details).
What you are covered for
We will pay up to the amount shown in the table of benefits for:
- travel and accommodation expenses which you have paid or have agreed to pay under a contract and which you cannot get back;
- the cost of excursions, tours and activities which you have paid for either before you left the United Kingdom or those paid for locally upon your arrival overseas and which you cannot get back; and
- reasonable additional travel costs to return back to the United Kingdom if it is necessary and unavoidable for you to cut short your trip.
Please note: If payment has been made using frequent flyer points, airmiles, loyalty card points or the like, settlement of your claim will be based upon the lowest available published flight fare for the flight originally booked if they are non-transferable.
We will provide this cover if the cutting short of your trip is necessary and unavoidable as a result of the following.
1. You dying, becoming seriously ill or being injured.
2. The death, serious illness or injury of a relative, close business associate, a person who you are travelling with or a relative or friend living abroad who you are staying with.
3. If the police or relevant authority need you to return home to the United Kingdom after a fire, storm, flood, burglary or vandalism to your home or place of business.
4. If you are a member of the armed forces or police, fire, nursing or ambulance services which results in you having to return home to the United Kingdom due to an unforeseen emergency or if you are posted overseas unexpectedly.
What you are not covered for under section C
1. The excess as shown in the table of benefits for each insured person.
2. Cutting short your trip because of a medical condition or an illness related to a medical condition which you knew about at the time of taking out this insurance and/or at the time of commencing travel and which could reasonably be expected to lead to a claim. This applies to you, a relative, business associate or a person who you are travelling with, and any person you were depending on for the trip.
3. Any claims where Argos Travel Assist have not been contacted to authorise your early return back to the United Kingdom.
4. If you have to cut short your trip and you do not return to the United Kingdom we will only be liable for the equivalent costs which you would have incurred had you returned to the United Kingdom.
5. You being unable to continue with your travel due to your failure to obtain the passport or visa you need for the trip.
6. The cost of your intended return travel to the United Kingdom if we have paid additional travel costs for you to cut short your trip.
Please note: We will calculate claims for cutting short your trip from the day you return to the United Kingdom or the day you go into hospital as an inpatient. Your claim will be based solely on the number of complete days you have not used.
Claims evidence required for section C
- Statement of Insurance
- Proof of travel cost (confirmation invoice, flight tickets)
- Invoices and receipts for your expenses
- An official letter confirming: the need for your return to the United Kingdom, emergency posting overseas
Please note: We may request other evidence to support your claim dependent upon your circumstances.
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Section E1 - Travel delay
Please note: No cover is provided under this section if you are a Value policyholder. If you are a Classic policyholder you are entitled to claim under section E1 or E2 but not both sections.
What you are covered for
We will pay up to the amount shown in the table of benefits if your final international departure from or to the United Kingdom by aircraft, sea vessel, coach or train is delayed for more than eight hours due to poor weather conditions, a strike, industrial action or mechanical breakdown. We will pay a benefit of £25 for each complete eight hour period that you are delayed, as long as you eventually go on the holiday.
Section E2 - Abandoning your trip
Please note: No cover is provided under this section if you are a Value policyholder.
What you are covered for
We will pay up to the amount shown in the table of benefits if it is necessary for you to cancel your trip if your final international departure from the United Kingdom by aircraft, sea vessel, coach or train is delayed for more than 24 hours due to poor weather conditions, a strike, industrial action or mechanical breakdown. We will pay the following costs which you have already paid for and cannot get back:
- travel and accommodation expenses;
- excursions, tours and activities; and
- visas.
Please note: If payment has been made using frequent flyer points, airmiles, loyalty card points or the like, settlement of your claim will be based upon the lowest available published flight fare for the flight originally booked if they are non-transferable.
What you are not covered for under sections E1 and E2
1. The excess as shown in the table of benefits for each insured person if you are claiming under section E2.
2. Any claims where you have not checked in for your trip at the final international departure point at or before the recommended time.
3. Any claims where you have not obtained written confirmation from the appropriate transport company or authority stating the reason for the delay and how long the delay lasted.
Claims evidence required for sections E1 and E2
- Statement of Insurance
- Proof of travel (confirmation invoice, flight tickets)
- An official letter confirming the cause and length of the delay
- Official confirmation that your pre paid expenses cannot be refunded (abandoning your trip only)
Please note: We may request other evidence to support your claim dependent upon your circumstances.
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General Exclusions
12. Any claim arising from the tour operator, airline or any other company, firm or person becoming insolvent, or being unable or unwilling to fulfil any part of their obligation to you.collapse

Section F1 - Personal belongings and baggage
Please note: Cover under this section can be deleted on Value policies by paying a reduced premium.
What you are covered for
We will pay for items which are usually carried or worn by travellers for their individual use during a trip. We will pay up to the amount shown in the table of benefits for items owned (not borrowed or rented) by you which are lost, stolen or damaged during your trip.
Please note:
- Payment will be based on the value of the property at the time it was lost, stolen or damaged.
An allowance may need to be made for wear, tear and loss of value depending on the age of the property.
- The maximum amount we will pay for any one item, pair or set of items is shown in the table of benefits. Please refer to the definition of 'pair or set of items' on page 16.
- The maximum amount we will pay for valuables in total is shown in the table of benefits.
Please refer to the definition of 'valuables' on page 17
- The maximum we will pay for property which is lost or stolen from an unattended motor vehicle is £100 for each insured person as long as the property was kept in a locked boot, a locked and covered luggage compartment or a locked glove compartment and there is evidence of forced and violent entry to the vehicle.
Section F2 - Delayed baggage
Please note: No cover is provided under this section if you are a Gap Year policyholder.
What you are covered for
We will pay up to the amount shown in the table of benefits for buying essential items if your baggage is delayed in reaching you on your outward international journey for more than 24 hours.
Please note: You must get written confirmation of the length of the delay from the appropriate airline or transport company and you must keep all receipts for the essential items you buy.
If your baggage is permanently lost we will take any payment we make for delayed baggage from your overall claim for baggage.
What you are not covered for under sections F1, F2, F3 and F4
1. The excess as shown in the table of benefits for each insured person and for each incident (this does not apply if you are claiming under section F2).
2. Property you leave unattended in a public place.
3. Any claim for loss or theft to personal belongings and baggage, personal money or passports and travel documents which you do not report to the police within 24 hours of discovering it and which you do not get a written police report for.
4. Any claim for loss, theft, damage or delay to personal belongings and baggage which you do not report to the relevant airline or transport company within 24 hours of discovering it and which you do not get a written report for. In the case of an airline, a property irregularity report will be required. If the loss, theft or damage to your property is only noticed after you have left the airport, you must contact the airline in writing with full details of the incident within seven days of leaving the airport and get a written report from them.
5. Any loss or theft of your passport which you do not report to the consular representative of your home country within 24 hours of discovering it and get a written report for.
6. Any loss, theft or damage to valuables which you do not carry in your hand luggage while you are travelling.
7. Money, passports and travel documents which you do not carry with you unless they are being held in locked safety deposit facilities.
8. Claims arising due to an unauthorised person fraudulently using your credit or debit cards.
9. Claims where you are unable to provide receipts or other reasonable proof of ownership wherever possible for the items being claimed.
10. Breakage of fragile objects or breakage of sports equipment while being used (unless your claim is for damage to winter sports equipment or golf equipment and the appropriate premium for winter sports or golf cover has been paid).
11. Damage due to scratching or denting unless the item has become unusable as a result of this.
12. Shortages due to variations in exchange rates.
13. If your property is delayed or held as a result of Customs, the police or other officials legally holding it.
14. Loss of jewellery (other than wedding rings) while swimming or taking part in dangerous activities.
15. Losses caused by mechanical or electrical breakdown or damage caused by leaking powder or fluid carried within your baggage.
16. Loss, theft or damage to contact or corneal lenses, sunglasses, prescription glasses or spectacles, dentures, hearing aids, artificial limbs, paintings, household equipment, mobile phones (unless the
appropriate premium for business cover has been paid), bicycles and their accessories, motor vehicles and their accessories, marine craft and equipment or items of a perishable nature (meaning items that can decay or rot and will not last for long, for example, food).
Claims evidence required for sections F1 to F4
- Statement of Insurance
- Loss or theft of property or money - police report
- Loss, theft or damage by an airline - property irregularity report, flight tickets and baggage check tags
- Delay by an airline - written confirmation of the length of delay from the airline, flight tickets, baggage check tags, receipts for emergency purchases
- Loss or theft of a passport - police report, consular report, receipts for additional expenses to get a replacement passport overseas
- Proof of value and ownership for property and money
Please note: We may request other evidence to support your claim dependent upon your circumstances.
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Section E1 - Travel delay
Please note: No cover is provided under this section if you are a Value policyholder. If you are a Classic policyholder you are entitled to claim under section E1 or E2 but not both sections.
What you are covered for
We will pay up to the amount shown in the table of benefits if your final international departure from or to the United Kingdom by aircraft, sea vessel, coach or train is delayed for more than eight hours due to poor weather conditions, a strike, industrial action or mechanical breakdown. We will pay a benefit of £25 for each complete eight hour period that you are delayed, as long as you eventually go on the holiday.
Section E2 - Abandoning your trip
Please note: No cover is provided under this section if you are a Value policyholder.
What you are covered for
We will pay up to the amount shown in the table of benefits if it is necessary for you to cancel your trip if your final international departure from the United Kingdom by aircraft, sea vessel, coach or train is delayed for more than 24 hours due to poor weather conditions, a strike, industrial action or mechanical breakdown. We will pay the following costs which you have already paid for and cannot get back:
- travel and accommodation expenses;
- excursions, tours and activities; and
- visas.
Please note: If payment has been made using frequent flyer points, airmiles, loyalty card points or the like, settlement of your claim will be based upon the lowest available published flight fare for the flight originally booked if they are non-transferable.
What you are not covered for under sections E1 and E2
1. The excess as shown in the table of benefits for each insured person if you are claiming under section E2.
2. Any claims where you have not checked in for your trip at the final international departure point at or before the recommended time.
3. Any claims where you have not obtained written confirmation from the appropriate transport company or authority stating the reason for the delay and how long the delay lasted.
Claims evidence required for sections E1 and E2
- Statement of Insurance
- Proof of travel (confirmation invoice, flight tickets)
- An official letter confirming the cause and length of the delay
- Official confirmation that your pre paid expenses cannot be refunded (abandoning your trip only)
Please note: We may request other evidence to support your claim dependent upon your circumstances.
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Section E1 - Travel delay
Please note: No cover is provided under this section if you are a Value policyholder. If you are a Classic policyholder you are entitled to claim under section E1 or E2 but not both sections.
What you are covered for
We will pay up to the amount shown in the table of benefits if your final international departure from or to the United Kingdom by aircraft, sea vessel, coach or train is delayed for more than eight hours due to poor weather conditions, a strike, industrial action or mechanical breakdown. We will pay a benefit of £25 for each complete eight hour period that you are delayed, as long as you eventually go on the holiday.
Section E2 - Abandoning your trip
Please note: No cover is provided under this section if you are a Value policyholder.
What you are covered for
We will pay up to the amount shown in the table of benefits if it is necessary for you to cancel your trip if your final international departure from the United Kingdom by aircraft, sea vessel, coach or train is delayed for more than 24 hours due to poor weather conditions, a strike, industrial action or mechanical breakdown. We will pay the following costs which you have already paid for and cannot get back:
- travel and accommodation expenses;
- excursions, tours and activities; and
- visas.
Please note: If payment has been made using frequent flyer points, airmiles, loyalty card points or the like, settlement of your claim will be based upon the lowest available published flight fare for the flight originally booked if they are non-transferable.
What you are not covered for under sections E1 and E2
1. The excess as shown in the table of benefits for each insured person if you are claiming under section E2.
2. Any claims where you have not checked in for your trip at the final international departure point at or before the recommended time.
3. Any claims where you have not obtained written confirmation from the appropriate transport company or authority stating the reason for the delay and how long the delay lasted.
Claims evidence required for sections E1 and E2
- Statement of Insurance
- Proof of travel (confirmation invoice, flight tickets)
- An official letter confirming the cause and length of the delay
- Official confirmation that your pre paid expenses cannot be refunded (abandoning your trip only)
Please note: We may request other evidence to support your claim dependent upon your circumstances.
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The first £50 of each claim, for each person, except for claims under Section A (Medical and other expenses) only if you have a refund of the cost under the terms of the EU reciprocal health agreement (E111).collapse