Premier Travel Insurance - HSBC Channel Islands and Isle of Man

HSBC – Channel Islands & Isle of Man
Insurance
Premier Worldwide Travel Insurance

As part of your HSBC Premier experience, you enjoy the benefit of Premier Worldwide Travel Insurance at no extra cost.

Our cover gives you, your partner, dependent children and grandchildren under 23 years of age worldwide protection.

Premier Worldwide Travel Insurance is underwritten by Aviva Insurance Limited. Policy terms and conditions apply.

Please note: holidays taken solely in the UK, Channel Islands or Isle of Man are covered if they include at least two consecutive nights away from home and either pre-booked accommodation or prepaid public transport.

Find out more

Eligibility requirements

Please ensure you can answer YES to the following questions:

do you hold an HSBC Premier account?
are you under 70 years of age when you open your HSBC Premier account or when your trip starts? Note: When you reach 70, you will no longer be covered by HSBC Premier Travel Insurance.
are you a resident of the Channel Islands or Isle of Man?
are you going to start and finish your trip in the UK, the Channel Islands or the Isle of Man?
are any dependent children* under 23 years of age at the start date of the trip?
are any grandchildren* under 23 years of age at the start date of the trip?

*Children are only covered when travelling with you or your partner, or travelling with close relatives who are over 23 years of age, or travelling independently on a school/college trip with teachers/lecturers. Grandchildren are only covered when travelling with you or your partner.

Medical Conditions:

To make a medical claim you must be registered with a doctor in the UK, Channel Islands or Isle of Man.

You will need to call the HSBC Medical Risk Assessment Helpline on 0800 051 7457 before booking your trip if you or any insured person in the last 12 months has:

been prescribed medication;
received or are awaiting medical treatment, tests or investigations;
been referred to a specialist, or admitted to hospital for any condition not listed on the accepted conditions list

All pre-existing medical conditions must be on the Accepted conditions list in your Policy Wording to be covered, otherwise they must be disclosed to and accepted in writing by the insurer.

Summary of cover
Standard policy features	Main benefits and features	Limit per person, per trip	Excess per person, per trip	Significant or unusual exclusions and limitations
Cancelling or coming home early	Unrecoverable unused pre-paid costs associated with the trip. Additional travel costs (if the insured person cannot use their return ticket), and/or accommodation costs necessary to allow the insured person to come home early	£7,500	£50	existing medical conditions which have not been accepted by us as covered for the trip any event, incident, or circumstance if, at the time you opened your account or booked a trip (whichever is later) you knew or could reasonably be expected to have known that it could impact travel plans
Emergency medical and associated expenses	Emergency medical treatment if the insured person falls ill or is injured on their trip	£10 million Lower limits apply for some associated expenses	£50	existing medical conditions unless these have been accepted by us as covered for the trip
Unexpected costs	Travel disruption Unexpected additional travel and accommodation costs to allow an insured person to continue the trip if their pre-paid travel plans are disrupted	£7,500	£50	Unexpected costs - significant or unusual exclusions ¹
	Missed transport Cover if an insured person misses pre-booked transport because of an unexpected transport delay	£1,000	£50	Unexpected costs - significant or unusual exclusions ¹
	Delayed transport Cover if pre-booked transport is delayed	£250	Nil	Unexpected costs - significant or unusual exclusions ¹
	Emergency travel documents Cover to enable the insured person to continue the trip or return home if they can't use their return ticket due to loss, theft or accidental damage to their passport or visa	£750	Nil	Unexpected costs - significant or unusual exclusions ¹
	Emergency medical supplies Cover for emergency medical supplies if an insured person has to stay past their scheduled return date	£7,500	Nil	Unexpected costs - significant or unusual exclusions ¹
Personal liability	Cover if an insured person causes an accident on a trip which leads to death or injury to any person, or loss or damage to property	£2 million	£50 for incidents arising from the occupation of temporary holiday accommodation	claims arising from an insured person's trade business or profession or involvement in manual or physical work of any kind use/ownership of animals, firearms, watercraft, electrically or mechanically powered vehicles, drones, or any other aircraft
Legal expenses	Cover to pursue a civil claim if an insured person suffers personal injury or death during a trip	£50,000	Nil	any costs incurred prior to our written acceptance of your claim
Your belongings	Cover if an insured person's belongings, valuables or money are lost, stolen or accidently damaged during a trip	£2,500 total Including £650 for valuables, an individual item, pair or set and £750 for money (£100 for under 16s)	£50	Unexpected costs - significant or unusual exclusions ²
	Cover if an insured person's bags are delayed for more than 12 hours on the outward journey	£250	Nil	Unexpected costs - significant or unusual exclusions ²
	Hire of replacement golf equipment	£300	Nil	Unexpected costs - significant or unusual exclusions ²
Winter sports	Cover for loss, theft or accidental damage to winter sports equipment	£500	£50	Winter sports - significant or unusual exclusions ³
	Piste closure	£300	Nil	Winter sports - significant or unusual exclusions ³
	Winter sports holiday disruption	£200	Nil	Winter sports - significant or unusual exclusions ³
	Ski pack	£500	Nil	Winter sports - significant or unusual exclusions ³

Summary of cover
Standard policy features	Cancelling or coming home early
Main benefits and features	Unrecoverable unused pre-paid costs associated with the trip. Additional travel costs (if the insured person cannot use their return ticket), and/or accommodation costs necessary to allow the insured person to come home early
Limit per person, per trip	£7,500
Excess per person, per trip	£50
Significant or unusual exclusions and limitations	existing medical conditions which have not been accepted by us as covered for the trip any event, incident, or circumstance if, at the time you opened your account or booked a trip (whichever is later) you knew or could reasonably be expected to have known that it could impact travel plans

Standard policy features	Emergency medical and associated expenses
Main benefits and features	Emergency medical treatment if the insured person falls ill or is injured on their trip
Limit per person, per trip	£10 million Lower limits apply for some associated expenses
Excess per person, per trip	£50
Significant or unusual exclusions and limitations	existing medical conditions unless these have been accepted by us as covered for the trip

Standard policy features	Unexpected costs
Main benefits and features	Travel disruption Unexpected additional travel and accommodation costs to allow an insured person to continue the trip if their pre-paid travel plans are disrupted
Limit per person, per trip	£7,500
Excess per person, per trip	£50
Significant or unusual exclusions and limitations	Unexpected costs - significant or unusual exclusions ¹

Standard policy features
Main benefits and features	Missed transport Cover if an insured person misses pre-booked transport because of an unexpected transport delay
Limit per person, per trip	£1,000
Excess per person, per trip	£50
Significant or unusual exclusions and limitations	Unexpected costs - significant or unusual exclusions ¹

Standard policy features
Main benefits and features	Delayed transport Cover if pre-booked transport is delayed
Limit per person, per trip	£250
Excess per person, per trip	Nil
Significant or unusual exclusions and limitations	Unexpected costs - significant or unusual exclusions ¹

Standard policy features
Main benefits and features	Emergency travel documents Cover to enable the insured person to continue the trip or return home if they can't use their return ticket due to loss, theft or accidental damage to their passport or visa
Limit per person, per trip	£750
Excess per person, per trip	Nil
Significant or unusual exclusions and limitations	Unexpected costs - significant or unusual exclusions ¹

Standard policy features
Main benefits and features	Emergency medical supplies Cover for emergency medical supplies if an insured person has to stay past their scheduled return date
Limit per person, per trip	£7,500
Excess per person, per trip	Nil
Significant or unusual exclusions and limitations	Unexpected costs - significant or unusual exclusions ¹

Standard policy features	Personal liability
Main benefits and features	Cover if an insured person causes an accident on a trip which leads to death or injury to any person, or loss or damage to property
Limit per person, per trip	£2 million
Excess per person, per trip	£50 for incidents arising from the occupation of temporary holiday accommodation
Significant or unusual exclusions and limitations	claims arising from an insured person's trade business or profession or involvement in manual or physical work of any kind use/ownership of animals, firearms, watercraft, electrically or mechanically powered vehicles, drones, or any other aircraft

Standard policy features	Legal expenses
Main benefits and features	Cover to pursue a civil claim if an insured person suffers personal injury or death during a trip
Limit per person, per trip	£50,000
Excess per person, per trip	Nil
Significant or unusual exclusions and limitations	any costs incurred prior to our written acceptance of your claim

Standard policy features	Your belongings
Main benefits and features	Cover if an insured person's belongings, valuables or money are lost, stolen or accidently damaged during a trip
Limit per person, per trip	£2,500 total Including £650 for valuables, an individual item, pair or set and £750 for money (£100 for under 16s)
Excess per person, per trip	£50
Significant or unusual exclusions and limitations	Unexpected costs - significant or unusual exclusions ²

Standard policy features
Main benefits and features	Cover if an insured person's bags are delayed for more than 12 hours on the outward journey
Limit per person, per trip	£250
Excess per person, per trip	Nil
Significant or unusual exclusions and limitations	Unexpected costs - significant or unusual exclusions ²

Standard policy features
Main benefits and features	Hire of replacement golf equipment
Limit per person, per trip	£300
Excess per person, per trip	Nil
Significant or unusual exclusions and limitations	Unexpected costs - significant or unusual exclusions ²

Standard policy features	Winter sports
Main benefits and features	Cover for loss, theft or accidental damage to winter sports equipment
Limit per person, per trip	£500
Excess per person, per trip	£50
Significant or unusual exclusions and limitations	Winter sports - significant or unusual exclusions ³

Standard policy features
Main benefits and features	Piste closure
Limit per person, per trip	£300
Excess per person, per trip	Nil
Significant or unusual exclusions and limitations	Winter sports - significant or unusual exclusions ³

Standard policy features
Main benefits and features	Winter sports holiday disruption
Limit per person, per trip	£200
Excess per person, per trip	Nil
Significant or unusual exclusions and limitations	Winter sports - significant or unusual exclusions ³

Standard policy features
Main benefits and features	Ski pack
Limit per person, per trip	£500
Excess per person, per trip	Nil
Significant or unusual exclusions and limitations	Winter sports - significant or unusual exclusions ³

¹Unexpected costs - significant or unusual exclusions

any event, incident, or circumstance if, at the time you opened your account or booked a trip (whichever is later), you knew or could reasonably be expected to have known that travel disruption could impact travel plans
any claim where the insured person hadn't allowed enough time, or done everything they reasonably could, to get to their departure point for the time shown on their itinerary
any costs for running out of medication because the insured person hadn’t taken enough with them to cover their time away

²Your belongings - significant or unusual exclusions

belongings, valuables and money deliberately left somewhere that is not in the insured person's full view, with someone they know, or their travel provider
valuables or money which is not kept in the insured person’s hand luggage while they're travelling
theft from a vehicle or caravan unless it was broken into and the valuables or money were left in an enclosed storage compartment
hired sports equipment

³Winter sports - significant or unusual exclusions

equipment deliberately left somewhere that is not in an insured person’s full view, with someone they know, or with their travel provider
hired sports equipment
loss or theft from motor vehicles

As part of your HSBC Premier experience, you enjoy the benefit of Premier Worldwide Travel Insurance at no extra cost.

Our cover gives you, your partner, dependent children and grandchildren under 23 years of age worldwide protection.

Premier Worldwide Travel Insurance is underwritten by Aviva Insurance Limited. Policy terms and conditions apply.

Find out more

Eligibility requirements

Please ensure you can answer YES to the following questions:

do you hold an HSBC Premier account?
are you under 70 years of age when you open your HSBC Premier account or when your trip starts? Note: When you reach 70, you will no longer be covered by HSBC Premier Travel Insurance.
are you a resident of the Channel Islands or Isle of Man?
are you going to start and finish your trip in the UK, the Channel Islands or the Isle of Man?
are any dependent children* under 23 years of age at the start date of the trip?
are any grandchildren* under 23 years of age at the start date of the trip?

Medical Conditions:

To make a medical claim you must be registered with a doctor in the UK, Channel Islands or Isle of Man.

You will need to call the HSBC Medical Risk Assessment Helpline on 0800 051 7457 before booking your trip if you or any insured person in the last 12 months has:

been prescribed medication;
received or are awaiting medical treatment, tests or investigations;
been referred to a specialist, or admitted to hospital for any condition not listed on the accepted conditions list

All pre-existing medical conditions must be on the Accepted conditions list in your Policy Wording to be covered, otherwise they must be disclosed to and accepted in writing by the insurer.

Summary of cover
Standard policy features	Main benefits and features	Limit per person, per trip	Excess per person, per trip	Significant or unusual exclusions and limitations
Cancelling or coming home early	Unrecoverable unused pre-paid costs associated with the trip. Additional travel costs (if the insured person cannot use their return ticket), and/or accommodation costs necessary to allow the insured person to come home early	£7,500	£50	existing medical conditions which have not been accepted by us as covered for the trip any event, incident, or circumstance if, at the time you opened your account or booked a trip (whichever is later) you knew or could reasonably be expected to have known that it could impact travel plans
Emergency medical and associated expenses	Emergency medical treatment if the insured person falls ill or is injured on their trip	£10 million Lower limits apply for some associated expenses	£50	existing medical conditions unless these have been accepted by us as covered for the trip
Unexpected costs	Travel disruption Unexpected additional travel and accommodation costs to allow an insured person to continue the trip if their pre-paid travel plans are disrupted	£7,500	£50	Unexpected costs - significant or unusual exclusions ¹
	Missed transport Cover if an insured person misses pre-booked transport because of an unexpected transport delay	£1,000	£50	Unexpected costs - significant or unusual exclusions ¹
	Delayed transport Cover if pre-booked transport is delayed	£250	Nil	Unexpected costs - significant or unusual exclusions ¹
	Emergency travel documents Cover to enable the insured person to continue the trip or return home if they can't use their return ticket due to loss, theft or accidental damage to their passport or visa	£750	Nil	Unexpected costs - significant or unusual exclusions ¹
	Emergency medical supplies Cover for emergency medical supplies if an insured person has to stay past their scheduled return date	£7,500	Nil	Unexpected costs - significant or unusual exclusions ¹
Personal liability	Cover if an insured person causes an accident on a trip which leads to death or injury to any person, or loss or damage to property	£2 million	£50 for incidents arising from the occupation of temporary holiday accommodation	claims arising from an insured person's trade business or profession or involvement in manual or physical work of any kind use/ownership of animals, firearms, watercraft, electrically or mechanically powered vehicles, drones, or any other aircraft
Legal expenses	Cover to pursue a civil claim if an insured person suffers personal injury or death during a trip	£50,000	Nil	any costs incurred prior to our written acceptance of your claim
Your belongings	Cover if an insured person's belongings, valuables or money are lost, stolen or accidently damaged during a trip	£2,500 total Including £650 for valuables, an individual item, pair or set and £750 for money (£100 for under 16s)	£50	Unexpected costs - significant or unusual exclusions ²
	Cover if an insured person's bags are delayed for more than 12 hours on the outward journey	£250	Nil	Unexpected costs - significant or unusual exclusions ²
	Hire of replacement golf equipment	£300	Nil	Unexpected costs - significant or unusual exclusions ²
Winter sports	Cover for loss, theft or accidental damage to winter sports equipment	£500	£50	Winter sports - significant or unusual exclusions ³
	Piste closure	£300	Nil	Winter sports - significant or unusual exclusions ³
	Winter sports holiday disruption	£200	Nil	Winter sports - significant or unusual exclusions ³
	Ski pack	£500	Nil	Winter sports - significant or unusual exclusions ³

Summary of cover
Standard policy features	Cancelling or coming home early
Main benefits and features	Unrecoverable unused pre-paid costs associated with the trip. Additional travel costs (if the insured person cannot use their return ticket), and/or accommodation costs necessary to allow the insured person to come home early
Limit per person, per trip	£7,500
Excess per person, per trip	£50
Significant or unusual exclusions and limitations	existing medical conditions which have not been accepted by us as covered for the trip any event, incident, or circumstance if, at the time you opened your account or booked a trip (whichever is later) you knew or could reasonably be expected to have known that it could impact travel plans

Standard policy features	Emergency medical and associated expenses
Main benefits and features	Emergency medical treatment if the insured person falls ill or is injured on their trip
Limit per person, per trip	£10 million Lower limits apply for some associated expenses
Excess per person, per trip	£50
Significant or unusual exclusions and limitations	existing medical conditions unless these have been accepted by us as covered for the trip

Standard policy features	Unexpected costs
Main benefits and features	Travel disruption Unexpected additional travel and accommodation costs to allow an insured person to continue the trip if their pre-paid travel plans are disrupted
Limit per person, per trip	£7,500
Excess per person, per trip	£50
Significant or unusual exclusions and limitations	Unexpected costs - significant or unusual exclusions ¹

Standard policy features
Main benefits and features	Missed transport Cover if an insured person misses pre-booked transport because of an unexpected transport delay
Limit per person, per trip	£1,000
Excess per person, per trip	£50
Significant or unusual exclusions and limitations	Unexpected costs - significant or unusual exclusions ¹

Standard policy features
Main benefits and features	Delayed transport Cover if pre-booked transport is delayed
Limit per person, per trip	£250
Excess per person, per trip	Nil
Significant or unusual exclusions and limitations	Unexpected costs - significant or unusual exclusions ¹

Standard policy features
Main benefits and features	Emergency travel documents Cover to enable the insured person to continue the trip or return home if they can't use their return ticket due to loss, theft or accidental damage to their passport or visa
Limit per person, per trip	£750
Excess per person, per trip	Nil
Significant or unusual exclusions and limitations	Unexpected costs - significant or unusual exclusions ¹

Standard policy features
Main benefits and features	Emergency medical supplies Cover for emergency medical supplies if an insured person has to stay past their scheduled return date
Limit per person, per trip	£7,500
Excess per person, per trip	Nil
Significant or unusual exclusions and limitations	Unexpected costs - significant or unusual exclusions ¹

Standard policy features	Personal liability
Main benefits and features	Cover if an insured person causes an accident on a trip which leads to death or injury to any person, or loss or damage to property
Limit per person, per trip	£2 million
Excess per person, per trip	£50 for incidents arising from the occupation of temporary holiday accommodation
Significant or unusual exclusions and limitations	claims arising from an insured person's trade business or profession or involvement in manual or physical work of any kind use/ownership of animals, firearms, watercraft, electrically or mechanically powered vehicles, drones, or any other aircraft

Standard policy features	Legal expenses
Main benefits and features	Cover to pursue a civil claim if an insured person suffers personal injury or death during a trip
Limit per person, per trip	£50,000
Excess per person, per trip	Nil
Significant or unusual exclusions and limitations	any costs incurred prior to our written acceptance of your claim

Standard policy features	Your belongings
Main benefits and features	Cover if an insured person's belongings, valuables or money are lost, stolen or accidently damaged during a trip
Limit per person, per trip	£2,500 total Including £650 for valuables, an individual item, pair or set and £750 for money (£100 for under 16s)
Excess per person, per trip	£50
Significant or unusual exclusions and limitations	Unexpected costs - significant or unusual exclusions ²

Standard policy features
Main benefits and features	Cover if an insured person's bags are delayed for more than 12 hours on the outward journey
Limit per person, per trip	£250
Excess per person, per trip	Nil
Significant or unusual exclusions and limitations	Unexpected costs - significant or unusual exclusions ²

Standard policy features
Main benefits and features	Hire of replacement golf equipment
Limit per person, per trip	£300
Excess per person, per trip	Nil
Significant or unusual exclusions and limitations	Unexpected costs - significant or unusual exclusions ²

Standard policy features	Winter sports
Main benefits and features	Cover for loss, theft or accidental damage to winter sports equipment
Limit per person, per trip	£500
Excess per person, per trip	£50
Significant or unusual exclusions and limitations	Winter sports - significant or unusual exclusions ³

Standard policy features
Main benefits and features	Piste closure
Limit per person, per trip	£300
Excess per person, per trip	Nil
Significant or unusual exclusions and limitations	Winter sports - significant or unusual exclusions ³

Standard policy features
Main benefits and features	Winter sports holiday disruption
Limit per person, per trip	£200
Excess per person, per trip	Nil
Significant or unusual exclusions and limitations	Winter sports - significant or unusual exclusions ³

Standard policy features
Main benefits and features	Ski pack
Limit per person, per trip	£500
Excess per person, per trip	Nil
Significant or unusual exclusions and limitations	Winter sports - significant or unusual exclusions ³

¹Unexpected costs - significant or unusual exclusions

any event, incident, or circumstance if, at the time you opened your account or booked a trip (whichever is later), you knew or could reasonably be expected to have known that travel disruption could impact travel plans
any claim where the insured person hadn't allowed enough time, or done everything they reasonably could, to get to their departure point for the time shown on their itinerary
any costs for running out of medication because the insured person hadn’t taken enough with them to cover their time away

²Your belongings - significant or unusual exclusions

belongings, valuables and money deliberately left somewhere that is not in the insured person's full view, with someone they know, or their travel provider
valuables or money which is not kept in the insured person’s hand luggage while they're travelling
theft from a vehicle or caravan unless it was broken into and the valuables or money were left in an enclosed storage compartment
hired sports equipment

³Winter sports - significant or unusual exclusions

equipment deliberately left somewhere that is not in an insured person’s full view, with someone they know, or with their travel provider
hired sports equipment
loss or theft from motor vehicles

Things you should know

Please take time to read the following:

Should you need a letter to confirm you have Travel Insurance in place, you can request it online from Aviva here.

What's not covered

all pre-existing medical conditions must be on the Accepted conditions list in your Policy Wording to be covered, otherwise they must be disclosed to and accepted in writing by the insurer
any sports activities which are shown as excluded in the policy document
if you are aged 70 or over
any event, incident or circumstance which had already happened, or was going to happen, at the time you opened your account or booked your trip (whichever is later) – and could reasonably be expected to affect your travel plans
winter sports beyond the 31 days per calendar year limit
business trips in connection with an insured person's job where the trip involves manual or physical work of any kind, working with children, providing healthcare, policing, security or military service or an insured person's role as a politician, religious leader, professional entertainer or sportsperson
claims for death, injury, illness or disability are not covered if they result from the misuse of alcohol or drugs

Please note, all trips must begin and end in the UK, the Channel Islands or the Isle of Man.

Contact the relevant helpline number for assistance as soon as you can, quoting your policy number if possible.

In case of medical emergency please call (+44) 1603 605 135 from abroad or 0800 051 7458 within UK, Channel Islands or Isle of Man.

Lines are open 24 hours a day, 365 days a year. Calls may be monitored or recorded.

Travel Claims

If your claim does not require urgent medical attention you can contact Aviva and make a claim online or by calling:

0800 051 7459
Lines open 24 hours a day
Calls may be monitored or recorded

Customer services

03456 00 61 61
Lines open 24 hours a day
Calls may be monitored or recorded

Medical assessment

0800 051 7457
Lines open 8am to 9pm Monday to Sunday (closed Christmas Day, Boxing Day and New Years Day)
Calls may be monitored or recorded

Premier Worldwide Travel Insurance

Eligibility requirements

Things you should know

What's not covered

Travel Claims

If your claim does not require urgent medical attention you can contact Aviva and make a claim online or by calling:

Customer services

Medical assessment

Premier Worldwide Travel Insurance

What's covered

What you should know before you travel

Making a claim

Customer support