Insurance & Reinsurance Brokers at Lloyd’s
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How do the cover limits work?

With the insurance documentation is a  Table of Benefits that show the maximum amount that can be paid under each section of the certificate. This limit applies to each person who is insured. For example, where you have a family cover with a £3,000 limit for cancellation, the insurance covers each person for up to £3,000 should they have to cancel the holiday for an insured and covered reason/event. The sections may also have an excess which reflects the first amount you will have to pay in the event of a claim. Again, this also applies to each insured person.