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Cover every step of the way

UK Insurance

Our special insurance is designed to give you peace of mind throughout your cottages.com stay.
It will cover you on your way there, while you’re staying there – even when you’re out and about.
From only £18 your whole party can relax with bespoke insurance which covers:

Personal Liability

Legal liability for accidental damage to accommodation caused by you or your pet up to £2 million

Legal liability for accidental injury to third parties up to £2 million

Motor Breakdown

Pre travel (up to 7 days) motor breakdown up to £300 labour charges

Car hire, hotel accommodation and recovery costs up to £1,600

Personal Travel

Personal accident covered up to £15,000

Emergency medical covered up to £2,500

Personal Possessions

Damaged, lost or stolen personal possessions up to £1,500 (single article limit £250 and valuables £250 in total)

Loss or theft of money up to £500 (cash limit of £250)

For first
class cover,
call 0345 604 3800

Terms and conditions apply, see policy here for full details.

Summary of cover

The following is only a summary of the main cover limits and you should read the policy document for the full terms and conditions. Note: Some sections of cover also have extra sub limits, for example the personal possessions section has a ‘single article’ and ‘valuables’ limit. The maximum aggregated amount for Motor Breakdown cover shall not exceed £2,500.

Personal travel insurance
per person limit
Medical expenses £2,500
- - Hospital benefits £600
Personal possessions £1,500
- - Single article limit £250
- - Valuables limit £250
Personal money £500
Personal accident £15,000
Personal liability £2m
Additional expenses £1,000
Motor breakdown insurance
per vehicle limit
Breakdown assistance £300
Replacement vehicle £1,600
Emergency roadside repairs and getting to the garage £300
Chauffeur hire £1,600
Premiums (per party)
For short breaks of two nights £18.00
For short breaks of three nights £22.00
Up to seven nights £32.00
Additional week £15.00
Additional night £4.00

Your travel insurance

Our priority is peace of mind and a relaxing holiday for you and your family We strongly advise that you take out appropriate travel insurance. You can choose to buy the wide-ranging and competitive personal travel and motor breakdown cover we offer. For holidays in England, Scotland and Wales, insurance is optional. Here is some important information about UK personal travel and motor breakdown insurance.

Insurer

This insurance is underwritten by AGA International SA and is administered in the UK by Allianz Global Assistance. AGA International SA is duly authorised in France and the United Kingdom, and subject to limited regulation by the Prudential Regulation Authority and the Financial Conduct Authority.

Information you need to tell us

There is certain information that we need to know as it may affect the terms of the insurance cover we can offer you. You must, to the best of your knowledge, give accurate answers to the questions we ask when you buy your insurance. If you do not answer the questions truthfully it could result in your policy being invalid and could mean that all or part of a claim may not be paid.

Policy document

The policy wording gives you full details of what is and what is not covered and what to do if you need to claim. It is very important that you read the whole of this policy before you travel and make sure the cover is suitable for you. Please make sure that you take it on holiday with you in case of an emergency. A copy of the policy wording is available on request, if you would like to see it before booking.

Policy limits

Each section of the policy shows the most you can claim but other limits may apply. For example, under the Personal Possessions Section there are other specific limits for any one item and for valuables (including photographic equipment). If you intend to take expensive items with you, please check that you are fully covered.

Conditions and exclusions

Your policy does not cover all possible events and expenses. There are conditions and exclusions that apply to individual sections of the policy, and general conditions and exclusions that apply to the whole policy.

Health exclusion

If you have an existing medical condition, you must ask your doctor if it is safe for you to travel to your chosen destination. In the event of a claim, you will need to get your doctor to confirm in writing that at the time your policy was issued your condition was stable, that you were fit to travel and there was no sign that your condition would get worse. You will not be covered if you travel against the advice of your doctor, have a terminal condition, are on a waiting list for treatment as a hospital patient, are undergoing investigations or testsor are travelling specifically for any elective surgery, procedure or treatment

Hazardous activities

If you are going to take part in any hazardous sports or activities, you should check that the policy covers you.

Cancellation rights

If your cover does not meet your requirements, please return the documentation within 14 days of receipt and your premium will be refunded in full unless you have travelled, made a claim or intend to make a claim.

Policy excess

Under some sections of your policy, you will have to pay an excess. This means that you will be responsible for paying the first part of the claim for each person insured, for each section, for each incident. The amount you have to pay is the excess

Making a complaint

The policy contains a complaints procedure which tells you what steps you can take if you wish to make a complaint, and who to contact.

Combined insurance

The insurance provides personal travel insurance for all people in your party travelling and staying in the same property and also includes motor breakdown insurance for the vehicles used to reach your destination. The premium is per property. The vehicle(s) must be less than 15 years old. All details correct as at the date of print but subject to change without notice. All premiums include Insurance Premium Tax at the current rate. Please note: Our UK travel insurance product does not apply to bookings made in the Channel Islands. If you are travelling to the Channel Islands please call for details of our overseas travel insurance which does apply to bookings for the Channel Islands.

Overseas Insurance

You're taken care of with policies that cover you even if you are out driving, mountain biking, windsurfing or just relaxing on the beach.

(Exclusion for certain medical conditions apply, please call 0345 604 3800 for details. Exclusions for party members aged over 85 and Terms and conditions apply, see policy here for full details.)

Summary of cover

The following is only a summary of the main cover limits and you should read the policy document for the full terms and conditions.

Note: Some sections of cover also have extra sub limits, for example the personal possessions section has a single article and valuables limit.

Please note there is an additional premium for the Motor Breakdown (Vehicle) Insurance, please see premiums below.

The maximum aggregate amount for Motor Breakdown cover shall not exceed £2,500. Please note there is an additional premium for the Motor Breakdown (Vehicle) Insurance, please see premiums below.

Personal Travel Insurance cover
Motor Breakdown Insurance

Call
0345 604 3800
to arrange cover today

Personal travel insurance
Cancellation or curtailment Final invoice cost
Emergency medical & associated expenses £5m
Loss of passport £500
Delayed personal possessions £100
Personal possessions £1,500
Personal money £500
Personal accident £15,000
Missed departure or connection £500
Delayed departure  
- - Delay £100
- - Abandonment £5000
Personal liability £2m
Additional expenses  
- - Beach closure £75
- - Catastrophe £1,000
- - Holiday disturbance £1,000
Legal expenses £25,000
Prevention of cruising £1,500
Pet care £200
Winter Sports cover  
- - Ski pack £300
- - Ski equipment £500
- - Piste closure £250
Motor breakdown insurance
Cover before you leave  
-- Breakdown assistance £500
-- Replacement vehicle £500
Emergency roadside repairs and getting to the garage £500
Getting you home or continuing your journey £1,600
Spare parts delivered for essential repairs All reasonable costs
Personal possessions £500
Getting the vehicle back All reasonable costs
Collecting the vehicle from Continental Europe All reasonable costs
If there is no qualified driver available for the insured vehicle All reasonable costs
Chauffeur hire £1,600 in total
Loss or damage to your tent £400
Home car hire £150
Essential telephone costs £10
Maximum aggregate amount payable for previous sections £3,000
Customs duty cover £2,000
Guarantee of Spanish bail bond £1,000
Legal advice and expenses £20,000
Missed Motorail connection £750 (per insured person)
General average indemnity £2,000

Your Travel Insurance

Our priority is peace of mind and a relaxing stay for you and your family. We strongly advise that you take out appropriate insurance. You may choose to purchase the wide-ranging and competitive personal travel and/or motor breakdown cover we offer. For overseas bookings, it is a condition of booking that customers have personal travel insurance. If you purchase travel insurance separately you must provide details of your own policy and this must offer at least equal benefits to the policy we offer.

Insurer

This insurance is underwritten by AGA International SA and administered in the UK by Allianz Global Assistance.

Telling us about relevant facts

Before you travel you must tell us about anything that may affect your cover, for example an existing medical condition. If you do not tell us about something that may be relevant, your cover may be refused and we may not cover related claims.

Policy document

The policy wording gives you full details of what is and what is not covered and what to do if you need to claim. It is very important that you read the whole of this policy before you travel and make sure the cover is suitable for you. Please make sure that you take it on holiday with you in case of an emergency. A copy of the policy wording is available on request, if you would like to see it before booking.

Policy limits

Each section of the policy shows the most you can claim but other limits may apply. For example under the Personal Possessions Section there are other specifi c limits for any one item and for valuables (including photographic equipment). If you intend to take expensive items with you please check that you are fully covered.

Conditions and exclusions

Your policy does not cover all possible events and expenses. There are conditions and exclusions that apply to individual sections of the policy and general conditions and exclusions that apply to the whole policy.

1. Have you, or anyone travelling with you, ever had treatment for:

  • any heart or circulatory condition
  • a stroke or high blood pressure
  • a breathing condition (including asthma)
  • any type of cancer
  • any type of diabetes

2. In the last two years - have you, or anyone who is travelling with you, been treated for any serious or re-occurring medical condition, asked to take regular prescribed medication, or referred to a specialist or consultant at a hospital for tests, diagnosis or treatment?

If you have answered `Yes' to any of the above questions you must tell the insurers using their help line.

You must also tell the insurers if you are waiting for tests or treatment of any description; or your doctor alters your regular prescribed medication.

PLEASE NOTE - Insurers are unable to provide cover for:

  • psychological conditions such as stress, anxiety, depression, eating disorders or mental instability.
  • any claim arising from a known pre-existing medical condition of a close relative or a close business associate or any recognised complication caused by the pre-existing medical condition.

Hazardous activities

If you are going to take part in any hazardous sports or activities you should check that the policy covers you.

Policy excess

Under some sections of your policy, you will have to pay an excess. This means that you will be responsible for paying the first part of the claim for each person insured, for each section, for each incident. The amount you have to pay is the excess.

Cancellation rights

If your cover does not meet your requirements, please return the documentation within 14 days of receipt and your premium will be refunded in full unless you have travelled, made a claim or intend to make a claim.

cottages.com is a trading name of Wyndham Vacation Rentals (UK) Ltd, Spring Mill, Stoney Bank Road, Earby, Barnoldswick, Lancashire, UK. Wyndham Vacation Rentals (UK) Ltd is authorised and regulated by The Financial Conduct Authority (FCA) to deal in and arrange insurance. The Wyndham Vacation Rentals (UK) Ltd FCA registration number is 312463. You can check this information on the FCA's register by visiting the FCA's website www.fca.org.uk

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