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We offer a number of optional extras that you can add to your policy when you get a travel insurance quote.

Travel disruption cover

Some of the things that aren't covered

  • Costs for day-to-day living like food or drink that you would normally expect to pay.
  • Costs for accommodation or public transport, if your operator has offered you a suitable alternative.

Please refer to the Policy Document for all exclusions

Add Travel disruption cover to your policy

You can add Travel disruption cover when you get a quote. Just choose this option when you reach step 3 'Tailor your cover'.


Gadgets and valuables cover

The standard cover for gadgets and valuable items on a Virgin Money Travel Insurance policy is between £200 and £600 depending on the level of cover you choose, but this doesn’t cover all items.

Our Gadget and Valuables extended cover gives you higher coverage and covers you for items that aren’t covered as standard – for example mobile phones.

We offer 2 levels of Gadgets and valuables cover as optional extras, and you can choose which option you require during the quote process. Both options cover your gadgets and valuables for theft, loss or damage and unauthorised use.

Gadgets we cover

  • Drones (recreational use only and no cover for personal liability)
  • Photographic, audio, video and electrical equipment (including CDs, DVDs, video and electronic games)
  • MP3 players
  • Games consoles
  • eReaders (including eBooks and Kindles)
  • Computer equipment
  • Laptops
  • Tablet PC’s (including iPads)
  • Wearable technology (such as a smart watch or a health and fitness tracker e.g. fit bits)
  • Mobile phones
  • Mobile phone accessories

Valuables we cover

  • Binoculars
  • Antiques
  • E-cigarettes and associated vapour liquids
  • Jewellery
  • Watches
  • Furs
  • Leather goods
  • Animal skins
  • Silks
  • Precious stones and items made of or containing gold, silver or precious metals
  • Hearing aids
  • Sports and leisure equipment (e.g. Bicycle) and musical instruments

Some of the things that aren't covered

  • Property you leave unattended (other than in your locked accommodation).
  • Any gadgets or valuables that you lose or have stolen from an unattended motor vehicle.
  • Fragile items such as china, glass or sculpture.

Please refer to the Policy Document for all exclusions

Add Gadgets and valuables cover to your policy

You can select Gadgets and valuables cover when you get a quote Link opens in a new window. Just choose this option when you reach step 3 'Tailor your cover'.


Adjustable excess levels

Adjust how much excess you pay if you make a claim by changing your premium amount.

Some of the things that aren't covered

  • Even if you select the 'excess waiver', you may still have to pay an increased medical excess if you claim because of a declared medical condition or sports / leisure activity.

Please refer to the Policy Document for all exclusions

Adjust excess levels on your policy

You can select your Excess when you get a quote Link opens in a new window. Just choose this option when you reach step 3 'Tailor your cover'.


Winter sports cover

We'll pay a contribution towards winter sports equipment which you own or hire, if it's lost, stolen or damaged.

Winter sports cover is included as standard on our annual multi-trip policy, and can be added as an optional extra on our single trip policy.

Get an annual multi-trip quote Link opens in a new window.

Add Winter sports cover to your policy

You can add Winter sports cover when you get a single trip quote Link opens in a new window. Just choose this option at step 1 Travel details'.


Cruise cover

Whilst standard travel insurance covers cancellation of a cruise or medical expenses incurred overseas, it does not offer some of the bespoke benefits that are more suited to cruise holidays.

So, if you’re travelling on a cruise, we offer an optional extra that gives you bespoke cover for your cruise.

Additional benefits

  • Missed Departure
    We pay for you to get to the next port, if you are delayed getting to the original departure point.
  • Cabin Confinement
    We pay a benefit if you are confined to your cabin for medical reasons.
  • Itinerary Change
    We pay compensation if a stopover is missed (e.g. through bad weather).
  • Unused Excursion
    We pay for unused activities ashore which cannot be used due to cabin confinement.
  • Cruise Interruption
    Pays for additional travel costs if you need to re-join the cruise after having medical treatment ashore.

Some of the things that aren't covered

  • Additional expenses where the scheduled public transport operator has offered reasonable alternative travel arrangements.
  • Strike or industrial action or air traffic control delay existing or publicly declared by the date this insurance is purchased by you or the date your trip was booked, whichever is the later.

Please refer to the Policy Document for all exclusions

Add Cruise cover to your policy

You can select Cruise cover when you get a quote Link opens in a new window. Just choose this option when you reach step 3 'Tailor your cover'.


Business cover

Some of the things that aren't covered

  • Business equipment lost or stolen because it was left unattended in a public place.
  • Anything you can't prove you own, or prove the value of.
  • Any valuables or mobiles that are not carried in your hand baggage.

Please refer to the Policy Document for all exclusions

Add Business cover to your policy

You can select Business cover when you get a quote Link opens in a new window. Just choose this option when you reach step 3 'Tailor your cover'.


Download our policy document

Please read our Policy Document for full details of what we cover and to see the table of benefits. If you are an existing Virgin Money Travel Insurance policy holder, please login to the customer portal Link opens in a new window where you can view and download your policy documents.

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Virgin Money Travel Insurance is provided by InsureandGo

Call us on

0330 400 1250

We are here from 9am to 5pm Monday to Friday, including Bank Holidays.

NumberCost
03 numbersSame as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way.
084 numbersMaximum of 7p per minute, plus your phone company's access charge.
087 numbersMaximum of 13p per minute, plus your phone company's access charge.
0800 numbersFree from UK landlines and personal mobile phones.

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Virgin Money Travel Insurance is promoted by Virgin Money Personal Financial Service Ltd and is arranged and administered by Insure & Go Insurance Services Ltd. Virgin Money Personal Financial Service Ltd and Insure & Go Insurance Services Ltd are authorised and regulated by the Financial Conduct Authority. Insure & Go Insurance Services Ltd Registered Address: One Victoria Street, Bristol Bridge, Bristol BS1 6AA. Registered in England and Wales (Company Number: 04056769).Travel insurance is underwritten by MAPFRE Asistencia Compañía Internacional de Seguros y Reaseguros, Sociedad Anonima, trading as MAPFRE Assistance, which is authorised by Dirección General de Seguros y Fondos de Pensiones and subject to limited regulation by the Financial Conduct Authority and the Prudential Regulation Authority. Details about the extent of regulation by the Financial Conduct Authority and the Prudential Regulation Authority are available on request. MAPFRE UK Branch Registered Address: Dixon House, 72-75 Fenchurch Street, London EC3M 4BR. Company Number: FC021974. Branch Number: BR008042. Terms and conditions apply. Virgin Money Personal Financial Service Ltd. Registered in England and Wales (Company No. 3072766). Registered Office - Jubilee House, Gosforth, Newcastle upon Tyne NE3 4PL. Lines are open 9am – 5pm Monday – Friday. Calls will be recorded. Calls to 03 numbers cost the same as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way.

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