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If you have to cancel or cut your trip short for one of the reasons specified in the policy wording then we will pay up to the policy limit for travel and accommodation you don't use and can't claim back directly.
Close baggage help - closes new window We will pay up to the amount specified if your baggage or personal belongings are lost, damaged or stolen. Please note, we will take wear and tear and the decrease in value over time into account when we value your claim.
If you select double excess, the price of your policy will reduce but if you make a claim, the excess you will have to pay will be double the standard amount.
If you select excess waiver, the price of your policy will go up but if you make a claim, you won't have to pay an excess. Note: 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.
You can change your excess level when you get a quote.
The excess applies to each person claiming, to each incident and to each section of the policy.
Close gadgets help - closes new window Provides cover (such as accidental damage, theft or loss) for valuable items such as tablets, laptops, e-Readers, games consoles, audio, video (including CDs, DVDs and electronic games), photographic equipment and personal organisers. Please note: Mobile phone cover is not a standard feature of the policy, but can be added by selecting our Gadgets and valuables cover optional extra during the quote process.
Close Mobiles help - closes new window Mobile phones are not covered by Virgin Money Travel Insurance as standard, but can be added by selecting our Gadgets and valuables cover optional extra during the quote process.
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 8am – 10pm Monday – Friday, 9am – 5.30pm weekends. 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.