The policy has a fair alcohol exclusion which is;

“You drinking too much alcohol or alcohol abuse where it is reasonably foreseeable that such consumption could result in an impairment of your physical ability and/or judgement resulting in a claim. We do not expect you to avoid alcohol on your trips or holidays, but we will not cover any claims arising because you have drunk so much alcohol that your judgement is seriously affected or you are suffering from alcohol dependence or directly or indirectly from the symptoms of alcohol withdrawal and/or you need to make a claim as a result”.

Pre existing medical conditions can be underwritten at the point of sale. The online medical screening is very slick and easy to use.

There is a long list of additional sports and activities that are covered as standard. Anything else can be added by paying an additional premium. This procedure can be completed online, although if you need cover for something not listed, you will need to phone up.

An unusual option is the driving pack, to cover things like alcohol, shopping tobacco etc (especially useful if you are hopping over to france for the weekend to buy wine and beer, or camping abroad and taking your own car)

Unlike a lot of policies, children are required to travel with adults at all times (i.e. they can’t travel under the policy on their own)

Scheduled airline failure cover is included as standard on all policies.

The difference between the three policies are the sums insured being lower on the Silver and Orange and the excess higher