Virgin Money

Virgin Money was launched by Sir Richard Branson back in the mid 1990s, starting out in the savings and investments market before slowly expanding into mortgages, credit cards and insurance.

Virgin Money acquired its banking license in 2010 through the acquisition of Church House Trust, although at this time it had no branches. In 2012, it bought itself a high street presence, by acquiring Northern Rock and in 2014 the bank was floated on the London Stock Exchange.

In 2018 Virgin Money was bought by Clydesdale and Yorkshire Banking Group - which owns Clydesdale Bank and Yorkshire Bank.

Virgin money offers a full range of banking and insurance products including: bank accounts, credit cards, pet insurance and travel insurance. Its travel insurance is provided by the Spanish insurer Mapfre, while its pet insurance is provided by the Direct Line Group.

Virgin Money
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Gold ribbon: first place

Bank accounts

Ranked 12th of 34 providers reviewed.

Customer happiness 59%
Customer trust 61%
Complaints performance 78%
Transparency rating 44%
Fairer Finance score
Reviewed Autumn 2019
61%
Gold ribbon: first place

Credit cards

Ranked 12th of 32 providers reviewed.

Customer happiness 60%
Customer trust 48%
Complaints performance 79%
Transparency rating 42%
Fairer Finance score
Reviewed Autumn 2019
57%
Gold ribbon: first place

Life insurance

Ranked 3rd of 24 providers reviewed.

Claims score 99.32%
Complaints performance 95%
Transparency rating 57%
Fairer Finance score
Reviewed Autumn 2019
82%
Gold ribbon: first place

Mortgages

Ranked 8th of 21 providers reviewed.

Customer happiness 49%
Customer trust 43%
Complaints performance 85%
Transparency rating 60%
Fairer Finance score
Reviewed Autumn 2019
59%

Savings accounts

Ranked 16th of 46 providers reviewed.

Customer happiness 52%
Customer trust 46%
Complaints performance 79%
Transparency rating 66%
Fairer Finance score
Reviewed Autumn 2019
61%

Travel insurance

Ranked 35th of 65 providers reviewed.

Customer happiness 54%
Customer trust 43%
Complaints performance 57%
Transparency rating 48%
Fairer Finance score
Reviewed Autumn 2019
51%

Bank accounts

Current accounts

Virgin Money

Current Account

3 stars
Faster Payment limit i £100,000
Maximum cash machine withdrawal per day i £500
Part of FSCS i
Cash withdrawal fee in UK (own bank) i £0
Card payment fee (£) i £0
App capability? i

Foreign use bank accounts

Virgin Money

Current Account (use inside Europe)

5 stars
Foreign cash withdrawal fee i 0%
Foreign cash withdrawal additional charge i £0
Foreign purchases fee i 0%
Is there a limit on free cash withdrawals? i

Virgin Money

Current Account

2 stars
Foreign cash withdrawal fee i 3.75% (Minimum £1.50)
Foreign cash withdrawal additional charge i £0
Foreign purchases fee i 2.75% (Minimum £1.50)
Is there a limit on free cash withdrawals? i

Credit cards

0% balance transfer credit cards

Virgin Money

Purchase credit card

4 stars
Duration of balance transfer offer period i 12 months
Balance transfer fee during promotional period i 2%
Representative APR i 21.90%
Risk based? i
Balance transfer rate during promotional period i 0%
Representative balance transfer rate i 1.53%

Virgin Money

Travel

4 stars
Duration of balance transfer offer period i 12 months
Balance transfer fee during promotional period i 2%
Representative APR i 21.90%
Risk based? i
Balance transfer rate during promotional period i 0%
Representative balance transfer rate i 1.53%

Virgin Money

29 month Balance Transfer

3 stars
Duration of balance transfer offer period i 29 months
Balance transfer fee during promotional period i 3%
Representative APR i 21.90%
Risk based? i
Balance transfer rate during promotional period i 0%
Representative balance transfer rate i 1.60%

Virgin Money

All round

3 stars
Duration of balance transfer offer period i 23 months
Balance transfer fee during promotional period i 2.90%
Representative APR i 21.90%
Risk based? i
Balance transfer rate during promotional period i 0%
Representative balance transfer rate i 1.60%

Virgin Money

Atlantic Reward

2 stars
Duration of balance transfer offer period i 6 months
Balance transfer fee during promotional period i 3%
Representative APR i 22.90%
Risk based? i
Balance transfer rate during promotional period i 0%
Representative balance transfer rate i 1.74%

Virgin Money

Atlantic Reward+

1 stars
Duration of balance transfer offer period i 6 months
Balance transfer fee during promotional period i 3%
Representative APR i 63.90%
Risk based? i
Balance transfer rate during promotional period i 0%
Representative balance transfer rate i 1.74%

0% purchase credit cards

Virgin Money

All round

4 stars
Duration of purchases offer period i 20 months
Representative APR i 21.90%
Highest APR i 21.90%
Risk based? i
Purchase rate during promotional period i 0%
Representative purchase rate i 1.46%
Number of days before interest is charged on purchases i 50 days

Virgin Money

Purchase credit card

4 stars
Duration of purchases offer period i 20 months
Representative APR i 21.90%
Highest APR i 21.90%
Risk based? i
Purchase rate during promotional period i 0%
Representative purchase rate i 1.53%
Number of days before interest is charged on purchases i 50 days

Virgin Money

Travel

4 stars
Duration of purchases offer period i 12 months
Representative APR i 21.90%
Highest APR i 21.90%
Risk based? i
Purchase rate during promotional period i 0%
Representative purchase rate i 1.53%
Number of days before interest is charged on purchases i 50 days

Virgin Money

29 month Balance Transfer

2 stars
Duration of purchases offer period i 3 months
Representative APR i 21.90%
Highest APR i 21.90%
Risk based? i
Purchase rate during promotional period i 0%
Representative purchase rate i 1.60%
Number of days before interest is charged on purchases i 50 days

Cashback and reward credit cards

Virgin Money

Atlantic Reward

3 stars
Reward extras i Either an upgrade to Premium or a Companion ticket if £20k in a year is spent.
Estimated amount of money customers get back in the 1st year (minus annual fee) i £169.01
Estimated amount of money customers get back after the 1st year (minus annual fee) i £129.01
Risk based? i
Annual fee after 1st year i £0
Foreign purchase fee i 2.99%

Virgin Money

Atlantic Reward+

3 stars
Reward extras i Either an upgrade to Premium or a Companion ticket if £10k in a year is spent.
Estimated amount of money customers get back in the 1st year (minus annual fee) i £218.02
Estimated amount of money customers get back after the 1st year (minus annual fee) i £98.02
Risk based? i
Annual fee after 1st year i £160
Foreign purchase fee i 2.99%

Foreign use credit cards

Virgin Money

Travel

3 stars
Representative APR i 21.90%
Foreign purchase fee i 0%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.53%

Virgin Money

29 month Balance Transfer

1 stars
Representative APR i 21.90%
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 5%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.60%

Virgin Money

All round

1 stars
Representative APR i 21.90%
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 5%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.46%

Virgin Money

Purchase credit card

1 stars
Representative APR i 21.90%
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 5%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.53%

Virgin Money

Atlantic Reward

1 stars
Representative APR i 22.90%
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 5%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.74%

Virgin Money

Atlantic Reward+

1 stars
Representative APR i 63.90%
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 5%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.74%

Money transfer credit cards

Virgin Money

29 month Balance Transfer

4 stars
Money transfer rate during promotional period i 0%
Duration of money transfer offer period i 20 months
Representative APR i 21.90%
Risk based? i
Money transfer fee during promotional period i 4%
Representative cash transaction interest rate i 2.08%

Virgin Money

All round

4 stars
Money transfer rate during promotional period i 0%
Duration of money transfer offer period i 23 months
Representative APR i 21.90%
Risk based? i
Money transfer fee during promotional period i 4%
Representative cash transaction interest rate i 2.08%

Virgin Money

Purchase credit card

4 stars
Money transfer rate during promotional period i 0%
Duration of money transfer offer period i 12 months
Representative APR i 21.90%
Risk based? i
Money transfer fee during promotional period i 4%
Representative cash transaction interest rate i 2.08%

Virgin Money

Travel

4 stars
Money transfer rate during promotional period i 0%
Duration of money transfer offer period i 12 months
Representative APR i 21.90%
Risk based? i
Money transfer fee during promotional period i 4%
Representative cash transaction interest rate i 2.08%

Virgin Money

Atlantic Reward

3 stars
Money transfer rate during promotional period i 0%
Duration of money transfer offer period i 6 months
Representative APR i 22.90%
Risk based? i
Money transfer fee during promotional period i 3%
Representative cash transaction interest rate i 2.08%

Virgin Money

Atlantic Reward+

2 stars
Money transfer rate during promotional period i 0%
Duration of money transfer offer period i 6 months
Representative APR i 63.90%
Risk based? i
Money transfer fee during promotional period i 3%
Representative cash transaction interest rate i 2.08%

Travel insurance

Annual multi-trip insurance

Virgin Money

Silver (Comparison Site)

4 stars
Medical excess i £60
Cancelling before travel cover limit i £3,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,500
Max trip duration i 45 days
Emergency medical cover and repatriation cover limit i £12,500,000
Cutting trip short cover limit i £3,000
Abandoning your trip cover limit i £3,000
Lost or stolen cash i £200
Combined passport & travel cover limit i £100
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Virgin Money

Gold (Comparison Site)

4 stars
Medical excess i £50
Cancelling before travel cover limit i £5,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £2,000
Max trip duration i 90 days
Emergency medical cover and repatriation cover limit i £15,000,000
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Lost or stolen cash i £300
Combined passport & travel cover limit i £200
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Virgin Money

Silver

4 stars
Medical excess i £60
Cancelling before travel cover limit i £3,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,500
Max trip duration i 45 days
Emergency medical cover and repatriation cover limit i £12,500,000
Cutting trip short cover limit i £3,000
Abandoning your trip cover limit i £3,000
Lost or stolen cash i £200
Combined passport & travel cover limit i £100
Natural disaster relocation cover i Optional
Natural disaster baggage cover i
Mental health cover i
4 stars
Medical excess i £50
Cancelling before travel cover limit i £5,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £2,000
Max trip duration i 90 days
Emergency medical cover and repatriation cover limit i £15,000,000
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Lost or stolen cash i £300
Combined passport & travel cover limit i £200
Natural disaster relocation cover i Optional
Natural disaster baggage cover i
Mental health cover i

Virgin Money

Black

4 stars
Medical excess i £0
Cancelling before travel cover limit i £7,500
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £2,500
Max trip duration i 90 days
Emergency medical cover and repatriation cover limit i Unlimited
Cutting trip short cover limit i £7,500
Abandoning your trip cover limit i £7,500
Lost or stolen cash i £500
Combined passport & travel cover limit i £250
Natural disaster relocation cover i Optional
Natural disaster baggage cover i
Mental health cover i

Virgin Money

Silver (Money Supermarket)

3 stars
Medical excess i £60
Cancelling before travel cover limit i £3,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,500
Max trip duration i 45 days
Emergency medical cover and repatriation cover limit i £12,500,000
Cutting trip short cover limit i £3,000
Abandoning your trip cover limit i £3,000
Lost or stolen cash i £200
Combined passport & travel cover limit i £100
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i
3 stars
Medical excess i £100
Cancelling before travel cover limit i £2,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,250
Max trip duration i 31 days
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £2,000
Abandoning your trip cover limit i £2,000
Lost or stolen cash i £200
Combined passport & travel cover limit i £100
Natural disaster relocation cover i Optional
Natural disaster baggage cover i
Mental health cover i

Virgin Money

Essential Extra (Money Supermarket)

2 stars
Medical excess i £100
Cancelling before travel cover limit i £2,500
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,250
Max trip duration i 31 days
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £2,500
Abandoning your trip cover limit i £0
Lost or stolen cash i £200
Combined passport & travel cover limit i £100
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Virgin Money

Essential Plus (Comparison Site)

2 stars
Medical excess i £100
Cancelling before travel cover limit i £2,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,250
Max trip duration i 31 days
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £2,000
Abandoning your trip cover limit i £0
Lost or stolen cash i £200
Combined passport & travel cover limit i £100
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Virgin Money

Essential (Money Supermarket)

1 stars
Medical excess i £200
Cancelling before travel cover limit i £1,500
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,000
Max trip duration i 31 days
Emergency medical cover and repatriation cover limit i £5,000,000
Cutting trip short cover limit i £1,500
Abandoning your trip cover limit i £0
Lost or stolen cash i £200
Combined passport & travel cover limit i £0
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Single trip insurance

Virgin Money

Standard (Comparison Site)

4 stars
Medical excess i £99
Cancelling before travel cover limit i £2,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,500
Emergency medical cover and repatriation cover limit i £15,000,000
Cutting trip short cover limit i £2,000
Missed departure cover limit i £500
Abandoning your trip cover limit i £2,000
Lost or stolen cash i £350
Combined passport & travel cover limit i £350

Virgin Money

Premium (comparison site)

4 stars
Medical excess i £50
Cancelling before travel cover limit i £2,500
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000
Emergency medical cover and repatriation cover limit i £15,000,000
Cutting trip short cover limit i £2,500
Missed departure cover limit i £1,000
Abandoning your trip cover limit i £2,500
Lost or stolen cash i £500
Combined passport & travel cover limit i £350

Virgin Money

Silver (Money Supermarket)

4 stars
Medical excess i £60
Cancelling before travel cover limit i £3,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,500
Emergency medical cover and repatriation cover limit i £12,500,000
Cutting trip short cover limit i £3,000
Missed departure cover limit i £500
Abandoning your trip cover limit i £3,000
Lost or stolen cash i £200
Combined passport & travel cover limit i £100

Virgin Money

Silver (Comparison Site)

4 stars
Medical excess i £60
Cancelling before travel cover limit i £3,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,500
Emergency medical cover and repatriation cover limit i £12,500,000
Cutting trip short cover limit i £3,000
Missed departure cover limit i £500
Abandoning your trip cover limit i £3,000
Lost or stolen cash i £200
Combined passport & travel cover limit i £100

Virgin Money

Gold (Comparison Site)

4 stars
Medical excess i £50
Cancelling before travel cover limit i £5,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000
Emergency medical cover and repatriation cover limit i £15,000,000
Cutting trip short cover limit i £5,000
Missed departure cover limit i £1,000
Abandoning your trip cover limit i £5,000
Lost or stolen cash i £300
Combined passport & travel cover limit i £200
4 stars
Medical excess i £50
Cancelling before travel cover limit i £5,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000
Emergency medical cover and repatriation cover limit i £15,000,000
Cutting trip short cover limit i £5,000
Missed departure cover limit i £1,000
Abandoning your trip cover limit i £5,000
Lost or stolen cash i £300
Combined passport & travel cover limit i £200

Virgin Money

Black

4 stars
Medical excess i £0
Cancelling before travel cover limit i £7,500
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,500
Emergency medical cover and repatriation cover limit i Unlimited
Cutting trip short cover limit i £7,500
Missed departure cover limit i £1,500
Abandoning your trip cover limit i £7,500
Lost or stolen cash i £500
Combined passport & travel cover limit i £250
3 stars
Medical excess i £100
Cancelling before travel cover limit i £2,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,250
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £2,000
Missed departure cover limit i £500
Abandoning your trip cover limit i £2,000
Lost or stolen cash i £200
Combined passport & travel cover limit i £100

Virgin Money

Silver

3 stars
Medical excess i £60
Cancelling before travel cover limit i £3,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,500
Emergency medical cover and repatriation cover limit i £12,500,000
Cutting trip short cover limit i £3,000
Missed departure cover limit i £500
Abandoning your trip cover limit i £3,000
Lost or stolen cash i £200
Combined passport & travel cover limit i £100

Virgin Money

Essential Extra (Money Supermarket)

2 stars
Medical excess i £100
Cancelling before travel cover limit i £2,500
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,250
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £2,500
Missed departure cover limit i £0
Abandoning your trip cover limit i £0
Lost or stolen cash i £200
Combined passport & travel cover limit i £100

Virgin Money

Essential Plus (Comparison Site)

2 stars
Medical excess i £100
Cancelling before travel cover limit i £2,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,250
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £2,000
Missed departure cover limit i £0
Abandoning your trip cover limit i £0
Lost or stolen cash i £200
Combined passport & travel cover limit i £100

Virgin Money

Economy (Comparison Site)

1 stars
Medical excess i £200
Cancelling before travel cover limit i £1,500
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,250
Emergency medical cover and repatriation cover limit i £15,000,000
Cutting trip short cover limit i £1,500
Missed departure cover limit i £500
Abandoning your trip cover limit i £0
Lost or stolen cash i £250
Combined passport & travel cover limit i £250

Virgin Money

Essential (Money Supermarket)

1 stars
Medical excess i £200
Cancelling before travel cover limit i £1,500
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,000
Emergency medical cover and repatriation cover limit i £5,000,000
Cutting trip short cover limit i £1,500
Missed departure cover limit i £0
Abandoning your trip cover limit i £0
Lost or stolen cash i £200
Combined passport & travel cover limit i £0

Travel insurance add-on: winter sports

Virgin Money

Black

5 stars
Ski equipment owned cover limit i £1,500
Single owned item cover limit i £750
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £750
Ski equipment owned excess i £0
Ski equipment hired i £750
Single item limit for hired equipment i £750
Avalanche closure cover limit i £750
Piste closure cover limit i £500
Unused ski pass due to illness or injury i £510

Virgin Money

Gold (Comparison Site)

4 stars
Ski equipment owned cover limit i £1,000
Single owned item cover limit i £500
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £500
Ski equipment owned excess i £50
Ski equipment hired i £500
Single item limit for hired equipment i £500
Avalanche closure cover limit i £500
Piste closure cover limit i £400
Unused ski pass due to illness or injury i £450
4 stars
Ski equipment owned cover limit i £1,000
Single owned item cover limit i £500
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £500
Ski equipment owned excess i £50
Ski equipment hired i £500
Single item limit for hired equipment i £500
Avalanche closure cover limit i £500
Piste closure cover limit i £400
Unused ski pass due to illness or injury i £450

Virgin Money

Silver (Money Supermarket)

3 stars
Ski equipment owned cover limit i £500
Single owned item cover limit i £250
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £200
Ski equipment owned excess i £60
Ski equipment hired i £250
Single item limit for hired equipment i £250
Avalanche closure cover limit i £250
Piste closure cover limit i £200
Unused ski pass due to illness or injury i £300

Virgin Money

Silver

3 stars
Ski equipment owned cover limit i £500
Single owned item cover limit i £250
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £200
Ski equipment owned excess i £60
Ski equipment hired i £250
Single item limit for hired equipment i £250
Avalanche closure cover limit i £250
Piste closure cover limit i £200
Unused ski pass due to illness or injury i £300

Virgin Money

Silver (Comparison Site)

2 stars
Ski equipment owned cover limit i £500
Single owned item cover limit i £250
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £200
Ski equipment owned excess i £100
Ski equipment hired i £250
Single item limit for hired equipment i £250
Avalanche closure cover limit i £250
Piste closure cover limit i £200
Unused ski pass due to illness or injury i £300

Virgin Money

Essential (Money Supermarket)

1 stars
Ski equipment owned cover limit i £200
Single owned item cover limit i £100
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £100
Ski equipment owned excess i £200
Ski equipment hired i £100
Single item limit for hired equipment i £100
Avalanche closure cover limit i £150
Piste closure cover limit i £100
Unused ski pass due to illness or injury i £200

Virgin Money

Essential Extra (Money Supermarket)

1 stars
Ski equipment owned cover limit i £200
Single owned item cover limit i £100
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £100
Ski equipment owned excess i £100
Ski equipment hired i £100
Single item limit for hired equipment i £100
Avalanche closure cover limit i £150
Piste closure cover limit i £100
Unused ski pass due to illness or injury i £200

Virgin Money

Essential Plus (Comparison Site)

1 stars
Ski equipment owned cover limit i £200
Single owned item cover limit i £100
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £100
Ski equipment owned excess i £60
Ski equipment hired i £100
Single item limit for hired equipment i £100
Avalanche closure cover limit i £150
Piste closure cover limit i £100
Unused ski pass due to illness or injury i £200
1 stars
Ski equipment owned cover limit i £200
Single owned item cover limit i £100
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £100
Ski equipment owned excess i £60
Ski equipment hired i £100
Single item limit for hired equipment i £100
Avalanche closure cover limit i £150
Piste closure cover limit i £100
Unused ski pass due to illness or injury i £200