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Table of Benefits


FTB Holiday Travel Insurance

The following tables show a summary of the benefits provided. You should read the Policy Document and Insurance Product Information Document to find further details on all the benefits. First Trust Bank Travel Insurance is subject to terms and conditions, restrictions and exclusions. We reserve the right to refuse cover. The information below shows only the maximum payable amounts for each standard benefit.

Certain benefits and optional extensions have sub-limits that apply. See the Table of Benefits (page 6-7) in the Policy Document for details.

Policy Section Key Benefits Maximum Amount Payable Per Person Excess
A Cancellation & Curtailment £5,000 Yes
B Medical expenses & repatriation – Journeys Abroad Only Unlimited Yes
B.4 Emergency dental expenses – Journeys Abroad Only £250 Yes
C Medical emergency in the United Kingdom £2,000 Yes
D Hospital benefit – Journeys Abroad Only £1,000 No
E Personal property:    
  Overall £2,000 Yes
  Valuables £300 Yes
  Single article £300 Yes
  Delayed baggage £200 No
  Money £500 Yes
  Passport/Licence £300 No
F Personal accident £25,000 No
G Travel delay – Journeys Abroad Only £250 No
H Travel abandonment – Journeys Abroad Only £5,000 Yes
I Missed departure – Journeys Abroad Only £1,000 Yes
J Unusable Accommodation – Natural Catastrophe £500 Yes
K Withdrawal of Accomodation Services £500 No
L Personal liability £2,000,000 Yes
M Overseas legal expenses £25,000 No
N Hijack £1,000 No
O Mugging – Journeys Abroad Only £1,000 No
P Pet care fees – Journeys Abroad Only £100 No
Q Compassionate return – Journeys Abroad Only £300 No
R Courier costs – Journeys Abroad Only    
  Essential medication £300 Yes
  Mobility aids £900 Yes
Optional cover extensions Maximum amount payable Excess
Excess waiver If chosen then the excesses stated in the Table of Benefits and on the Policy Schedule will be reduced to nil including for any optional cover extensions.
Car hire excess Insurance cover if you are renting a car in Europe for the Car Hire Excess amount. Cover is capped at £4,000 for any one incident and £5,000 overall within the period of insurance.
Winter sports extension £500 Yes
Hazardous activities extension Please refer to page 16 of the Policy Document for further details of Hazardous Activities covered under this optional cover. Yes
Cruise extension – Journeys Abroad Only £1,000 Yes
Golf extension £1,000 Yes
Business extension £2,000 Yes
Standard excess

The standard excess is £50. This applies for each person claiming against different sections of the policy, with the exception of the business optional cover extension where a £100 excess applies.

For example, if one person were to make a claim for damage to Personal Property and Medical Expenses, both caused by the same claim event; then the total excess applicable would be £100. This is because the claim is being made against two different sections of the policy. If two people covered under the one policy were to make the same claim, then the total excess applicable would be £200.

If however,  one person were to make a claim for theft of a bag and money, both caused by the same claim event; then the total excess applicable would be £50. This is because both parts of this claim are being made against the Personal Property section of the policy. If two people covered under the one policy were to make the same claim, then the total excess applicable would be £100.

Please see the Policy Document for full details.