No excess option (excl. medical) if you pay extra
Up to £6,000 cancellation and curtailment
Up to £2,500 per person lost luggage
Up to £10,000 for medical emergencies
Business, winter sports, golf and wedding cover optional
UK breaks covered with annual policies (conditions apply)
Personal traval assistant can help with travel, accommodation, legal, car rental advice
Buy online and save 5%

www.marksandspencer.com/travelinsurance

Choices for cheaper cover include a saving of 10% if you are prepared to waive baggage cover (if for example baggage is included on your home and contents policy - so it may be worth reading the small print on an existing policy.

Cheaper Online by 5%

Buy online - rather than calling their national rate 0870 750 1884 number, and save yourself some spending money.

Areas used in quoted prices

United Kingdom
Europe
Worldwide excluding U.S.A. Canada Caribbean Islands
Worldwide including U.S.A. Canada and Caribbean Islands

Prices £ 2005
Period in Days	Area 1	Area 2	Area 3	Area 4

Annual multi-trip rates (adult)
Up to 5 days	8.26	15.16	31.93	38.01
6 to 10 days	9.61	19.12	34.03	40.53
11 to 17 days	12.37	21.23	37.60	44.81
18 to 24	13.47	24.18	42.70	50.94
25 to 31 days	14.85	26.44	47.33	56.50
100% premium loading applies to travellers aged 66 and over. 100% premium loading applied to winter sports.

Family trip rates (adult)
Up to 5 days	15.00	28.81	62.34	74.51
6 to 10 days	17.71	36.72	66.54	79.54
11 to 17 days	23.23	40.94	73.68	88.11
18 to 24	25.43	46.85	83.89	100.36
25 to 31 days	14.85	26.44	47.33	56.50
100% premium loading applies to travellers aged 66 and over. 100% premium loading applied to winter sports.

Couple and single parent family rates (adult)
Up to 5 days	11.63	21.99	47.14	56.26
6 to 10 days	13.66	27.92	50.28	60.03
11 to 17 days	17.80	31.09	55.64	66.46
18 to 24	19.45	35.52	63.30	75.65
25 to 31 days	21.52	38.91	70.24	83.99
100% premium loading applies to travellers aged 66 and over. 100% premium loading applied to winter sports.

Annual multi-trip rates
Individual	52.42	60.03	71.74
Couple/Single parent family	77.90	89.31	106.88
Family	90.63	103.95	124.45
Maximum age 70. 30% premium loading applies to travellers aged 60-64. 100% premium loading applies to travellers aged 66 and over. 35% premium loading applied to winter sports. Maximum single trip length 45 days in total.

Prices £ 2005
Period in Days	Area 1	Area 2	Area 3	Area 4

There is a little small print in the brocure (available at all Marks and spencer stores).

Cover has a £50 excess per person (limited to £100 families and SPF)
Single parent families (SPF) inc. one or 2 adults and up to 4 children (under 18 years, or 23 id in full-time education)
All insured persons must reside at same address

Interesting facts

M&S Financial Services is Owned by HSBC Bank
M&S Travel Insurance is underwriten by AXA Unsurance UK plc.
See website for full details, terms and conditions

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