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Travel Insurance Conditions

Please note our travel insurance policies are only available to UK residents.

Travel insurance is a vital aspect to booking a holiday, giving you protection against unforeseen circumstances that could otherwise spoil your holiday. It is essential that you purchase travel insurance that properly covers your participation in whatever activities you may undertake at the time that you make your booking. To assist you with this, we have arranged competitive travel insurance through specialist Insurance Brokers Campbell Irvine Ltd which covers activities booked with Saddle Skedaddle. It is your responsibility to ensure you arrive at the start of the Saddle Skedaddle itinerary within a reasonable time to commence the pre-booked tour, as we cannot refund you outside the terms of our Booking Conditions. If you have booked flights independently, you may wish to consider arranging insurance in addition to the cover granted under our standard travel insurance policy to cover the cost of cancelled itinerary if your airline cancels your flight and you cannot make it to the start of your tour. Contact us find out more details. The schedule of the cover below sets out a summary of the cover provided by our tailored insurance.


Section Standard Cover Sum insured per person Excess per person
A Cancellation or Curtailment €6.875 €110, €140 aged 66+
(all €35 loss of deposit)
B Emergency Medical and Other Expenses €13,751,375 €110
Dental Limit €345 €138 aged 66+
Hospital Benefit

€30per day up to €257

C Personal Accident €27,500 (maximum benefit) Nil
D Travel Delay €35 for the first 12 hours,
€35 for each subsequent
12 hours up to €550
Holiday Abandonment €6,875 €70
E Baggage and Passport €2,750 €70
Single Item Limit €345  
Valuables Limit in Total €345  
Delayed Baggage €345 (€70 per day) Nil
F Personal Money €690 €70
G Passport, Tickets and Documents €345 €70
H Personal Liability €2,750,275 €275
I Legal Expenses € 50 Nil
J Hijack €140 per day up to €1,375 Nil
K Catastrophe Cover €1,375 £50
L Scheduled Airline Failure €1,750 Nil
Dynamic Packaging Protection €1,750  
M Travel Disruption Up to €1,375 Nil

Premiums - UK

Up to 3 days €17
Up to 5 days €22
Up to 10 days €25
Up to 17 days €32
Up to 31 days €40

Premiums - Europe

Up to 3 days €32
Up to 5 days €40
Up to 10 days €54
Up to 17 days €64
Up to 31 days €90
Add week €18

Premiums - Worldwide excluding North America

Up to 3 days €82
Up to 5 days €89
Up to 10 days €103
Up to 17 days €116
Up to 31 days €145
Add week €30

Premiums - Worldwide including North America

Up to 3 days €99
Up to 5 days €113
Up to 10 days €130
Up to 17 days €152
Up to 31 days €190
Add week €38
  • Infants under 3 years - free when travelling with an insured adult
  • Children aged under 19 years -half the standard adult premium when travelling with an insured adult.
  • Family rate - 2 times the base premium - 2 adults with any number of their dependent children aged 18 years or less.
  • Person aged 66 to 69 years on issue - 1and a half times the base premium.
  • Person aged 70 to 74 years on issue - 2 times the base premium (maximum duration 45 days)

All premiums shown are inclusive of the government imposed premium tax currently at 20% and are valid for all policies issued up to 31/12/2015

Annual multi trip insurance

Premiums including Insurance Premium Tax

Individual €155 €232
Couple €234 €324
  • Children aged under 19 years - half adult premium when travelling with an insured adult.
  • Maximum duration of any one trip 31 days.
  • Optional Extra Winter Sports Activities, maximum 17 days
  • Person aged 66 to 74 years - Europe 2 times the adult premium. Worldwide 3 times the adult premium.

Important Declaration

This is only a summary of cover, full details of the cover provided are shown on your policy document which will be sent to you once the appropriate premium has been paid. When you receive your Policy Document and Policy Summary please read it carefully to ensure that you are happy with the cover provided, as this insurance is being sold to you on a Non Advised basis from a single insurer, UK General Insurance Ltd on behalf of Ageas Insurance Ltd. The Policy Document also contains details of our 14-day money back cooling off period and full details of how to make a claim. The Policy includes certain terms conditions, exclusions and excesses. In particular cover is excluded for any defined pre-existing medical condition from which you or any person upon whom travel depends are suffering. If in doubt please contact our medical helpline in confidence on 0844 826 2700 as additional cover may be purchased directly from the insurer's medical screening help line for certain pre-existing medical conditions. Should you wish a specimen, a copy will be made available prior to purchase upon request or alternatively a copy may be downloaded from our website.

Saddle Skedaddle Limited is an Appointed Representative of Campbell Irvine Ltd. Campbell Irvine Ltd are authorised and regulated by the Financial Conduct Authority. This can be checked on the FCA's register by visiting the FCA's website at or by contacting them on 0800 111 6768.

Skedaddle Italia Srl is registed Tour Operator in Italy with a registred No, 406
The company's registered office is in Via Basilicata 25, Assemini, 09032, Sardinia, Italy

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