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Charity Travel Insurance available from NCi Charity means that you, your charity and your volunteers can get the protection and peace of mind you need when carrying out your work at home or abroad.
And whilst a standard travel insurance policy is readily available online, getting a charity travel insurance policy that will give you and your volunteers exactly the cover you need is still something where a charity insurance specialist like NCi Charity can help out. For example, a standard travel policy is likely to limit cover as a result of War and Terrorism to £250,000. However, the policies we have access to mean this limit can be removed completely.
Our charity travel insurance policies will also provide cover in locations which would normally be excluded under a standard travel insurance policy. Locations including Afghanistan, Kenya, Nigeria, Zimbabwe, DR Congo, India, Pakistan, Uzbekistan, Tajikistan, Kazakhstan and Eastern European Countries. We can also provide cover for North and South America, Western Europe and Australasia.
Our first job will therefore be to listen to your needs and use our extensive experience of the voluntary sector to tailor a policy to meet them. And this process often results in charities actually getting more cover for less money (which we know is extremely important to our charity customers).
Here is therefore a brief summary of some of the cover available to charities looking for Charity Travel Insurance:
Medical and Additional Expenses – Up to £10,000,000
Cover for hospital and other medical expenses incurred whilst outside the United Kingdom and within 12 months from the date of an injury/illness plus additional accommodation and repatriation costs. Cover also includes ongoing in-patient Medical Expenses incurred within 3 months of return to the United Kingdom up to a maximum of £50,000.
24 hour Medical Emergency assistance included
Cancellation and Curtailment – Up to £7,500 (maximum £50,000 any one occurrence / event)
Reimbursement for unused travel and accommodation costs if the trip is cancelled or cut short as a result of any cause outside the control of the Assured and/or Insured Person.
Employee Replacement Expenses – Up to £10,000
Additional expenses incurred in replacing an employee if the trip is cut short as a result of any cause outside the control of the Assured and/or Insured Person. This cover can be particularly beneficial to charities as if your main representative abroad is unable to fulfill their duties, this cover means funds wil be available to seek a replacement at short notice.
Missed or Delayed Departure – Up to £5,000
Reasonable additional travel and accommodation expenses incurred in meeting overseas connection or returning to the United Kingdom if interrupted as a result of any cause outside the control of the Assured and/or Insured Person.
Travel Delay - £50 for each 4 hours (maximum £750)
A payment for each completed 4 hours of delay if the scheduled departure of a pre-booked airplane, train, coach or sea vessel is delayed due to specified reasons.
Personal Liability – Up to £5,000,000
Legal liability for injury to third parties (not a member of an Insured Person’s family, household or an employee) or damage to their property, excluding any liability arising out of the occupation or profession of an Insured Person.
Legal Expenses – Up to £50,000
Expenses incurred in the pursuit of a claim against a third party who has caused bodily injury or illness to an Insured Person.
Personal Accident - £50,000
Payable in the event of Death or Permanent Total Disablement by accident. Cover also includes Permanent Partial Disablement and other benefits. For persons under 18 years of age and in full time education, the death benefit is limited to £20,000. Accumulation Limit £1,000,000.
Hospital Benefit – Up to £20,000
A payment of £50 per complete 24-hour period up to a maximum of 365 days, spent as an in-patient in a hospital outside the United Kingdom. Cover is extended to include expenses as an in-patient for up to 3 months immediately following return to the United Kingdom unless claimable under the in-patient Personal Accident extension.
Personal Property & Money
Reimbursement for loss of or damage to Personal Property up to £5,000 (Single Article limit £2,000) Reimbursement for loss of Money up to £5,000 (cash limit £2,000)
Delayed Personal Property and Loss of Keys – Up to £1,000
For the purchase of immediate necessities if Personal Property is temporarily lost.
Reimbursement for any reasonable cost of parts and labour to replace relevant keys or locks if the Insured Person loses the keys to their main residence.
Reimbursement for any reasonable cost of parts and labour to replace relevant keys or locks if the Insured Person loses the keys to their main residence.
Hijack, Kidnap & Detention – Up to £50,000
£100 for each completed 24-hour period during such occurrences, subject to a maximum of £5,000. In addition, reimbursement of additional expenses incurred, excluding ransom demands to help secure the release of the Insured Person. In addition to this standard level of cover, we can also provide Kidnap and Ransom cover that will provide you with cover to pay a ransom and also hire a negotiator to help release your volunteers from a kidnap situtation.
Car Hire Excess Waiver – Up to £250
Reimbursement of the monetary excess if legally liable to pay, following loss or damage to a rental car hired by the Insured Person.
Political Evacuation – Up to £50,000 and in the aggregate
Reimbursement to the Assured for evacuation and repatriation costs and expenses due to Political Evacuation or Political Instability under certain circumstances.
Winter Sports
Ski Passes, Ski Hire, Ski Clothing Hire & Tuition Fees – Up to £250 each Insured Person.
Piste Closure – up to £200 each Insured Person.
Avalanche – up to £150 each Insured Person.
Piste Closure – up to £200 each Insured Person.
Avalanche – up to £150 each Insured Person.
At NCi Charity, our aim is to make sure charities who come to us for a quote for Charity Travel Insurance receive expert advice, cover tailored to your exact needs and hard to beat insurance premiums. To see how your charity can benefit, simply call us now on 0800 046 1446 or REQUEST A CHARITY TRAVEL INSURANCE QUOTE Now.
Testimonials
HELP, ADVICE AND SUPPORT
“On behalf of the Kenyan Orphan Project (KOP) I would like to thank you for all the help, advice and support given during the summer when volunteers working with our charity in Kenya developed Swine Flu.
The changes to their programme, the imposed quarantine and the disrupted individual travel arrangements posed logistical problems to the charity and the way that subsequent claims were quietly and efficiently managed relieved a significant burden on the organisation.
KOP was extremely pleased to have that support and would not hesitate to recommend your services to other charities working within the same field.”
Ted Allen DL, Director - KOP
