Travel insurance

You can add extra cover if you're taking part in winter sports. Winter sports insurance covers for:

• emergency medical treatment for winter sports injuries
• delay, loss, theft or damage to ski equipment
• ski pack expenses
• piste closure
• search and rescue costs

Cruises are covered as standard with our travel insurance.

If you want extra peace of mind while you're on board, our Cruise Cover add-on gives you extra cover for life at sea. It covers you if:

• you're confined to your cabin
• you miss a pre-booked excursion
• you miss a port of call
• you're denied boarding

This gives you extra protection for your gadgets while you're on holiday. All levels of gadget cover include:

• theft
• loss
• accidental damage
• malicious damage

When you make a claim you'll have to pay an excess charge. If you want to waive this cost, add 'excess waiver' cover to your policy.

Adding this as an extra means that if a vehicle you've rented gets damaged, you can get back the excess set out in the rental agreement.

This will all depend on what you want to be covered for and who you are travelling with. You may want to consider how much your holiday has cost you and whether you have any pre-existing medical conditions that you could potentially need emergency treatment for abroad.

If you are only planning to travel once in a year, then a Single trip policy could be more appropriate for you. Single Trip policies do cover you to travel to multiple destinations, but you will need to ensure that you advise us of all destinations at quote stage.

If you are planning to go on holiday more than once in a year, then an Annual multi-trip policy could be more cost effective and save you having to take out a new policy each time you travel. You’ll also be covered for Cancellation from the start date of your Annual multi-trip policy, offering you value and peace of mind from the start.

You should ensure that each of the holidays you are planning will be covered by the policy you have selected.

If you have a single-trip policy, you're covered for a maximum trip duration of 90 days unless agreed by us in writing.

If you have an annual multi-trip policy, unless otherwise shown on your policy schedule, the maximum duration of cover for each trip is dependent on the level of cover you choose:

• Red - 31 days
• Silver - 45 days
• Gold - 90 days

Yes, our single-trip and annual multi-trip policies cover holidays in the UK.

You're covered for trips that:

• are more than 70 miles away from your home
• do not exceed the maximum trip length as shown in your policy schedule
• have at least two nights' accommodation pre-booked

Travel delay cover does not apply to trips within the UK, except for travel to the Channel Islands.

If you purchase your policy through the Virgin Money website, we have no upper age limit on our Single trip policies. For our Annual multi-trip cover you must be aged 80 or under at the start of the policy period.

If you purchased your insurance through a comparison site such as Moneysupermarket.com you must be aged 85 or under for Single trip policies, or 75 or under for Annual multi-trip policies.

Children aged 17 or under must be accompanied by an adult over the age of 18 named on the insurance policy for the duration of the trip.

If any of your details change then you will need to contact us on 0330 175 8283 as soon as possible to update your policy.

If your details have changed and you travel without informing us of the changes then we may be unable to honour any claims which arise.

Our Family policy covers up to 2 adults and up to 5 children aged 17 or under. If your children are 18 years or over, you may want to consider buying a Group Annual multi-trip policy.