As we move towards the summer months, many of us begin to look forward to our holidays – and whether you plan to relax on a beach with a cocktail or go whitewater rafting down the Colorado River, it is essential to have the correct travel insurance in place to safeguard yourself and your family before you travel.
It is recommended that travel insurance is arranged at the same time as booking your trip, as securing coverage on the same day ensures prompt protection against unforeseen events that may force you to change your plans. Our team is always available to offer guidance and support on the best type of cover at the planning stage, at the time of booking, or at any point before travel.
What is Travel insurance?
Travel insurance protects you financially if your trip away doesn’t go as planned and you incur unexpected expenses for delays, losses, or medical treatment. Whether traveling abroad or in the UK, travel insurance can step in to provide you with peace of mind and financial protection. For example, should you need medical attention the costs abroad can be extremely high, and without insurance you could face significant expense.
Do I need specialist travel cover?
When it comes to High Net Worth travel insurance, one size doesn’t fit all.
Here at Griffiths & Armour, we understand that travel arrangements often require an individual and specialist insurance policy – where a standard travel policy may not be sufficient.
Some High-Value Home Insurance policies include travel insurance cover as standard, often offering higher policy limits and enhanced cover compared to a traditional standard travel insurance policy. It is always wise to check what level of cover you have in place before you travel. Our team can look at this for you.
Why standard travel insurance isn’t enough for winter sports enthusiasts
Traditional travel insurance often falls short when it comes to covering the specialised risks associated with winter sports. If skiing or snowboarding is your passion, it’s crucial to ensure your insurance policy is as prepared as you are.
Winter sports are inherently high-risk. From injuries on the slopes to unpredictable weather, a standard policy typically won’t provide the protection you need.
A comprehensive winter sports insurance policy should cover:
- Piste closures due to adverse weather or lack of snow
- Avalanche delays that affect your ability to reach or leave ski areas
- Air ambulance evacuation directly from the slopes
- Equipment loss or damage, including rental gear
- Trip interruptions or cancellations due to weather, injury, or resort closures
- Medical treatment for injuries, both on and off the mountain
- Repatriation or cover in the event of a fatality
Don’t let a lack of coverage turn your dream trip into a financial or medical nightmare. Before heading to the mountains, make sure your insurance policy is tailored specifically for winter sports.
Extended coverage for extended adventures
High net worth (HNW) insurance policies offer travel cover that goes well beyond the limits of standard travel insurance.
Designed for individuals and families with substantial assets and complex lifestyles, these policies often include:
- Longer trip durations, sometimes covering travel for up to 90 or even longer per trip
- Worldwide coverage, often with fewer exclusions
- Higher limits for medical expenses, cancellation, and personal belongings
- Enhanced support services, including private medical repatriation and concierge assistance
- Cover for high-value items like luxury luggage, designer clothing, and expensive sports equipment
- These policies are ideal for frequent travellers, second-home owners, or those combining business and leisure across multiple destinations
How can Griffiths & Armour assist?
We can provide travel insurance with first-class levels of cover, tailored to suit your personal requirements – no matter where you’re going in the world. We can also offer cover for your entire household, including any domestic staff travelling with you.
We understand when you’re adding luxury accommodation, expensive flights, and adventurous activities to the mix, you may exceed the limit of a standard travel insurance policy. Griffiths & Armour offers access to stand-alone annual multi-trip travel insurance, or travel insurance for single trips. We can also access travel insurance with flexible age limits.
High Net Worth travel insurance can cover a variety of risks with higher levels of cover.
These can include:
- Annual worldwide multi-trip cover
- Cancellation and curtailment cover
- Luggage, including cover for high value jewellery and possessions
- Personal liabilities
- Delays
- Missed departure
- Pre-existing medical conditions
- Medical expenses
- Boat and yacht cover
- Cover for sports equipment, including skiing and golf
- Winter sports
- Personal accident
- Kidnap & Hijacking
- Repatriation
Don’t let standard travel insurance restrict your holiday enjoyment – focus on your amazing holiday and not your insurance cover!
A lifetime of memories are made when you explore the world with confidence
Contact the Private Clients team to discuss your travel insurance requirements.
Griffiths & Armour Private Clients can provide high value home insurance including cover not just for the main home, but second or holiday homes, prestige and performance vehicles, watercraft, high value jewellery, antiques, collectables, and lifestyle protection.
If you have any questions about the contents of this article, or if you’re planning a holiday and would like to check that you have the right cover in place, please do not hesitate to contact us and a member of our team will be in touch.
