ASUA - All Season Underwriting Agencies

ASUA Gold Cover

Our GOLD policy offers higher benefits for holiday cancellation, and baggage and includes our Golf extension cover as standard. Our GOLD Annual Multi Trip covers Business Travel (non manual work) , Golf and Wintersports as standard.

Most Sections carry a 50 excess for each and every person per claim and Section H Personal Liability carries a 250 excess.

Section	Benefits of Cover	Maximum Sums Insured Per Person
A	Cancellation or Curtailment	Up to 6,000 in total Excess 50
B	Emergency Medical & Other Expenses Including Dental treatment	Up to 10,000,000 in total Excess 50 Up to 200 in total Excess 50
B1	Hospital Confinement Benefit	Up to 20 per 24 hours up to max 2,000 Nil Excess
C	Personal Accident Item 1 - Death Item 2 - Loss of Limb(s) Item 3 - Permanent Total Disablement	Up to 50,000 in total Up to 50,000 in total Up to 50,000 in total Nil Excess
D	Delayed Departure Abandonment after 24 hours	Up to 40 first 12 hours then 20 for each additional 12 hours up to max 500 in total Nil Excess Up to 6,000 in total Excess 50
D1	Missed Departure	Up to 1,500 in total Excess 50
E	Personal Possessions Single Article/Pair/Set limit Total Valuables limit Spectacles/Sunglasses Limit Delayed baggage (Excess of 12 hours)	Up to 2,500 in total Up to 400 Up to 400 Up to 250 Up to 200 Excess 50
F	Personal Money Cash Limit Passport & Documents	Up to 750 in total Up to 500 Up to 250 in total Excess 50
G	Extended Kennel/Cattery Fees	Up to 30 per day, 300 in total Nil Excess
H	Personal Liability including Rented Accommodation	Up to 2,000,000 in total Up to 100,000 in total Excess 250
I	Legal Expenses & Assistance	Up to 25,000 Excess 250
J	Mugging Benefit	Up to 50 for each 24 hours spent in hospital - up to a maximum of 1,000 in total Nil Excess
K	Hijack Cover	Up to 50 for each 24 hours - up to a maximum of 500 in total - Nil Excess

BUSINESS TRAVEL EXTENSION - SECTION L
NB: Non-manual work only
Automatically included in GOLD Annual Multi Trip, additional premium required for GOLD Single Trip Insurance

Section	Benefits of Cover	Maximum Sums Insured Per Person
L	Business Travel Replacement Business Colleague Business Equipment Single Article/Pair/Set Limit	Up to 5,000 in total - Excess 50 Up to 3,000 in total - Excess 50 Up to 1,500 in total - Excess 50

WINTER SPORTS COVER - SECTION M
Up to 17 days covered within the Policy Period for Annual Multi-Trip Insurance
Only applicable if additional premium has been paid for GOLD Single Trip Insurance

Section	Benefits of Cover	Maximum Sums Insured Per Person
M1	Ski Equipment Single Article/Pair/Set Limit	Up to 500 in total - Excess 50 Up to 250 in total - Excess 50
M2	Ski Equipment Hire	Up to 50 per day max 250 in total - Nil Excess
M3	Ski Pack	Up to 50 per day max 500 in total - Nil Excess
M4	Piste Closure	Up to 25 per day max 500 in total - Nil Excess
M5	Avalanche or Landslide Closure	Up to 50 per day max 500 in total - Nil Excess

GOLFING EXTENSION - SECTION N
Up to 17 days covered within the Policy Period for Annual Multi-Trip Insurance<
Automatically included in GOLD Annual Multi Trip, additional premium required for GOLD Single Trip Insurance

Section	Benefits of Cover	Maximum Sums Insured Per Person
N1	Loss of Green Fees	Up to 50 per day up to a max 500 in total - Nil Excess
N2	Golf Equipment Single Article/Pair/Set Limit Golf Equipment Hire	Up to 1,000 in total Excess 50 Up to 250 in total Excess 50 Up to 50 per day up to 250 in total Nil Excess
N3	Liability for Golf "Buggies" whilst in use	Up to 500,000 in total Excess 250
N4	Hole-In-One Cover	Up to 150 in total - Nil Excess

WEDDING/CIVIL PARTNERSHIP EXTENSION - SECTION O
LIMITS APPLY PER INSURED COUPLE
Only applicable if additional premium has been paid

Section	Benefits of Cover	Maximum Sums Insured Per Person
O1a	Wedding Bands Single Article/Pair/Set Limit	Up to 1,000 in total - Excess 50 Up to 500 in total - Excess 50
O1b	Wedding Attire Single Article/Pair/Set Limit	Up to 1,000 in total - Excess 50 Up to 500 in total - Excess 50
O2	Wedding Photography/Video	Up to 500 in total - Excess 50

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