Last Reviewed: May 2026<\/p>\n
All eligible members of Spotlight Extra Cover are insured whilst travelling in Europe in connection with your Spotlight (performing) related occupation. The maximum trip duration is 30 days. Cover is arranged by Howden Insurance Brokers Limited trading as Hencilla Canworth, a specialist insuranceintermediary for the creative sector.<\/p>\n
The following is a Summary of Cover and you should refer to the policy and schedule for the full details of policy terms and conditions.<\/p>\n
This policy meets the demands and needs of Spotlight Extra Cover members requiring protection against certain medical emergencies and losses whilst traveling in Europe in connection with your performing related occupation.<\/p>\n
This policy is underwritten by Aviva. Hencilla Canworth manages this policy on behalf of Spotlight. The Aviva Policy Number is 100784060GPA<\/p>\n
If you have a non-urgent claim or a general enquiry please email: spotlight@hencilla.co.uk<\/a> or call Hencilla on 0208 686 5050.<\/p>\n For claims, please call the numbers below as soon as possible quoting the Aviva Policy Number 100784060GPA, your name and address.<\/p>\n 24 Hr, Emergency Medical Assistance +44(0)1243 621066. All subscription paying members of Spotlight Extra Cover under 75 yrs, permanently residing in England, Scotland, Wales, Northern Ireland, the Isle of Man, and the Channel Islands are covered.<\/p>\n The policy runs for 12 months from 4th September and is annually renewable by Spotlight. You must remain a member of Spotlight Extra Cover be insured. Aviva European Business Travel Insurance \u2013 Insured Benefits<\/p>\n \u2022 Medical and Emergency Travel Expenses including Repatriation (cover does not apply in the UK) – \u00a35,000,000 If whilst on a European journey (up to 30 days in duration) with a destination outside the UK, Channel Islands and Isle of Man which is in connection with your Spotlight\/performing related occupation, insurers will pay the benefits show below following a loss covered by that section. Any period of holiday which is ancillary to your business trip is also covered provided it falls within the 30 days maximum duration.<\/p>\n \u2022 Up to \u00a35,000,000 for emergency treatment including rescue services and hospital expenses following injury or illness. \u2022 Loss caused by any hazardous activity performed as a stunt including but not restricted to martial arts, boxing, fighting, wrestling, trampolining, gymnastics, acrobatics, aerial activities including flying, parachuting, paragliding, driving or riding any mechanical vehicle, horse riding, rock climbing, swimming, sub aqua activities and any activity involving the use of fire. As soon as possible, you must contact the specialist emergency assistance provider if you require in- patient hospital treatment, repatriation or search and rescue. You will be responsible for the costs of specialist emergency assistance given to any person who is not a Extra Cover member and therefore not covered by this policy. Personal Belongings Cover<\/p>\n \u2022 Up to \u00a31,500 if you suffer loss or damage to Personal Belongings. \u2022 breakage of articles of a brittle nature, loss or damage caused by moth or vermin or gradual deterioration, atmospheric or climatic conditions, wear and tear, mechanical or electrical failure or breakdown; any process of cleaning, dying, restoring, repairing or alteration; \u2022 Up to \u00a31,000 with a Maximum Cash Limit of \u00a3200. \u2022 Any loss which is not reported to the locaI police or appropriate authorities within 24 hours of its discovery and a written report obtained (in the case of an airline the Insured Person will need to obtain a property irregularity report); \u2022 Up to \u00a32,500 If you are forced to cancel an Insured Journey as result of any cause outside. your control. \u2022 \u00a350 for the first complete 4 hours delay and \u00a350 for each subsequent 4 hours delay thereafter but not exceeding the amount paid in respect of fares or \u00a3500 whichever is the lesser if departure of a journey by air, train or boat is delayed due to strike, industriaI action, adverse weather conditions, mechanicaI breakdown etc.<\/p>\n \u2022 Up to \u00a3500 in order for you to reach your final destination caused by your late arrival at any departure point shown on their itinerary to start the Insured Journey caused by; the public transport used by you being delayed or, the car you are travelling in being involved in an accident or breaking down.<\/p>\n Cancellation, Curtailment, Change of itinerary, Travel Dealy, Missed Departure. \u2022 Failure to check in correctly. \u2022 Failure to do everything possible to avoid missing the departure point. \u2022 In the event of Hijack or Kidnap and you being detained as a result for a period in excess of \u2022 Claims in the UK Insurers will pay up to \u00a32,000,000 limit of indemnity in respect of legal liability arising out of accidental injury or damage to any other person.<\/p>\n You must not admit liability and you must notify insurers immediately of any circumstance that may give rise to a claim.<\/p>\n \u2022 any liability in respect of Accidental death or Accidental Bodily Injury sustained by any member of your family or any person who is under a contract of service with you and which arises out of and in the course of their employment by you or liability arising in connection with any business profession or occupation; We will negotiate on your behalf for legal rights to bring Legal Proceedings to pursue a civil claim resulting from an incident, for which you are not at fault which causes your death of or personal injury during an Insured Journey, provided that the insured incident occurs during the Period of Insurance and Prospects of Success exist for the duration of the claim in respect of any appeal or defence of an appeal.<\/p>\n \u2022 The maximum amount Insurers will pay for Costs and Expenses is \u00a325,000. This policy will not cover:<\/p>\n \u2022 Any claim where you are not a Spotlight Extra Cover Member. You must;<\/p>\n a) tell insurers as soon as practicable of any event or occurrence which may result in a claim and in any event no later than 60 days after the occurrence of such event You must take all reasonable precautions to prevent<\/p>\n a) loss, destruction or damage to the property insured If you are dissatisfied with any aspect of the handling of your insurance contact Hencilla Canworth on tel: 020 8686 5050.<\/p>\n If you remain dissatisfied, you can contact the Financial Ombudsman Service at: Aviva is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. . The FCA website, which includes a register of all regulated firms, can be visited at FCA<\/a>.<\/p>\n Hencilla Canworth is a trading name of Howden Insurance Brokers Limited and is authorised and regulated by the Financial Conduct Authority No. 309639. Registered in England and Wales under company registration number 00725875. Registered Office: One Creechurch Place, London, EC3A 5AF. Calls may be monitored and recorded for quality assurance purposes.<\/p>\n Hencilla Canworth is acting as the insurance intermediary in arranging this cover and does not provide advice or a personal recommendation on the suitability of the insurance for individual members. Members should consider their own circumstances to determine whether the cover meets their specific needs.<\/p>\n All policy insurers are members of the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if they are unable to meet their obligations.<\/p>\n If you have any questions with regards to this insurance policy please contact Hencilla Canworth at :<\/p>\n Simpson House
\nHijack\/Kidnap
\n+44(0)207 741 2074
\nGeneral Claims
\n0800 051 6583.<\/p>\nEligibility<\/h3>\n
Duration of insurance<\/h3>\n
\n\u2022 Personal Belongings – \u00a31,500
\n\u2022 Personal Belongings Delay – \u00a350 after for the first 4 hours, \u00a350 for each complete 4 hours
\nthereafter up to a maximum of \u00a3500
\n\u2022 Money – \u00a31,000, Cash Limit \u00a3200
\n\u2022 Cancellation, Curtailment or Change of Itinerary – \u00a32,500
\n\u2022 Missed Departure – Up to \u00a3500
\n\u2022 Travel Delay – \u00a350 after for the first 4 hours, \u00a350 for each complete 4 hours thereafter up to a maximum of \u00a3500
\n\u2022 Hijack & Kidnap – \u00a3250 per day up to a maximum of \u00a312,500
\n\u2022 Personal Liability – \u00a32,000,000
\n\u2022 Legal Expenses – \u00a325,000<\/p>\nCover<\/h3>\n
Medical\/ Emergency Travel Expenses<\/h3>\n
What is insured?<\/h3>\n
\n\u2022 Costs of transport and accommodation for you or any relative or friend who must remain with you.
\n\u2022 On medical advice, your repatriation home.
\n\u2022 Costs of emergency assistance transporting you to the nearest hospital.
\n\u2022 Hospital in-patient medical charges incurred within three months immediately following your return home up to a maximum of \u00a350,000.
\n\u2022 \u00a350 per day for each day of continuous unconsciousness up to a maximum of 365 days.
\n\u2022 \u00a310,000 for the reasonable costs incurred of a funeral outside the United.
\n\u2022 \u00a350 for each day in a hospital outside the UK up to a year.
\n\u2022 Up to \u00a325,000 for search and rescue<\/p>\nMedical\/ Emergency Travel Expenses<\/h3>\n
What is not insured? \u2013 Main exclusions<\/h3>\n
\n\u2022 Medical expenses incurred when the specific purpose of the journey is for you to receive medical treatment or advice;
\n\u2022 MedicaI expenses arising from an Illness which you are aware of and in respect of which you are travelling against medical advice or where a terminaI prognosis has been given;
\n\u2022 MedicaI expenses incurred whilst on an Insured Journey within the UK;
\n\u2022 Any expenses incurred 12 months after the date the need for treatment first arises.<\/p>\nWhat are the Conditions?<\/h3>\n
\nEmergency Medical Assistance +44(0)1243 621066 Hijack\/Kidnap +44(0)207 741 2074 General Claims 0800 051 6583.<\/p>\nWhat is insured?<\/h3>\n
\n\u2022 Up to \u00a3500 for necessary purchases if your Personal Belongings are delayed for more than 4 hours.
\n\u2022 Up to \u00a3500 for lost keys<\/p>\nPersonal Belongings Cover<\/h3>\n
What is not insured? – Main exclusions<\/h3>\n
\n\u2022 loss which is not reported to the local police or within 24 hours of its discovery and a written report obtained (in the case of an airline you will need to obtain a property irregularity report);
\n\u2022 theft or attempted theft from any unattended vehicle unless kept out of sight in a locked boot or compartment
\n\u2022 loss of or damage to sports equipment (including winter sports equipment) while in use;
\n\u2022 loss of Business Equipment<\/p>\nMoney Cover<\/h3>\n
What is insured?<\/h3>\n
\n\u2022 The policy also covers Fraudulent use of credits cards and loss, damage or theft of travel documents.<\/p>\nMoney Cover<\/h3>\n
What is not insured? \u2013 Main exclusions<\/h3>\n
\n\u2022 any loss or theft of a credit card, charge card or cash card which results in fraudulent use unless you have complied with all the terms and conditions under which the card was issued;
\n\u2022 theft or attempted theft of Money from any unattended vehicle unless kept out of sight in a locked boot which is separate from the passenger compartment or locked compartment.
\nCancellation, Curtailment, Change of Itinerary, Travel Delay, Missed Departure.<\/p>\nWhat is insured?<\/h3>\n
\n\u2022 Up to \u00a32,500 If following departure you are forced to alter pre-booked travel arrangements in connection with an Insured Journey as a direct and necessary result of any cause outside your control.<\/p>\nTravel Delay<\/h3>\n
Missed Departure<\/h3>\n
What is not insured \u2013 Main exclusions<\/h3>\n
\n\u2022 Any loss caused by Covid.
\n\u2022 Travelling against medical advice.
\n\u2022 Redundancy, resignation or cancellation of a contract of employment.
\n\u2022 Strikes or disputes resulting in the failure of transport other than when the delay is longer than 24 hrs unless you were aware of the strike at the time of booking.
\n\u2022 Failure to check in.
\n\u2022 Failure to acquire the correct visa.<\/p>\nTravel Delay<\/h3>\n
\n\u2022 Failure to accept an alternative means of transport.
\n\u2022 Any circumstance foreseeable at the point of booking.<\/p>\nMissed Departure<\/h3>\n
\n\u2022 Any circumstance which could be reasonably foreseen.<\/p>\nHijack and Kidnap and Ransom-Cover<\/h3>\n
What is insured?<\/h3>\n
\n24 hours, Insurers will pay ;
\n\u2022 Hijack: \u00a3300 per day for each complete period of detention
\n\u2022 Kidnap: \u00a3300 per day for each complete period of detention to a maximum of \u00a312,500 in
\ntotal for any one occurrence and<\/p>\nHijack and Kidnap and Ransom<\/h3>\n
What is not insured? \u2013 Main exclusions<\/h3>\n
\n\u2022 Claims relating to any criminal or fraudulent act.
\n\u2022 Whilst on an Insured Journey in excess of 30 days duration; for any Kidnap which occurs in any country aII travel to which has been advised against by Our Security Consultants or the British Government.<\/p>\nPersonal Liability<\/h3>\n
What is insured?<\/h3>\n
Personal Liability<\/h3>\n
What is not insured? – Main exclusions<\/h3>\n
\n\u2022 liability for loss of or damage to property belonging to or in the custody or control of you or your family or liability arising out of the ownership possession or use of any land or buildings or
\n\u2022 liability arising from the ownership possession or use of any mechanically propelled vehicle aircraft hovercraft or watercraft (other than hand propelled watercraft) under the your control;
\n\u2022 liability assumed by agreement unless such liability would have attached in the absence of such agreement;
\n\u2022 liability which is the result of any claim resulting from the transmission of any communicable disease or virus;
\n\u2022 liability which is the result of any willful malicious or unlawful act; (any punitive or exemplary damages<\/p>\nLegal representation<\/h3>\n
\n\u2022 You must report an insured incident to Us as soon as possible and in any event no later than
\n\u2022 180 days after the date the Insured Person knew or should have known about the insured incident.<\/p>\nExclusions Applicable To All Covers<\/h3>\n
\n\u2022 Claims arising from stunt performing.
\n\u2022 War.
\n\u2022 Flying other than as a passenger.
\n\u2022 Cover whilst being in the armed forces.
\n\u2022 Any criminal act
\n\u2022 Cover whilst in a state of insanity
\n\u2022 Travel to a place where the British Government advises against all travel.<\/p>\nMain Policy Conditions:<\/h3>\n
\nb) as soon as practicable and at your own expense provide Insurers with a written claim containing as much information as possible of the loss, destruction, damage, accident or injury, including the amount of the claim
\nc) provide insurers at your own expense with aII certificates information and evidence reasonably required by Us and in the form and of such nature as they may prescribe
\nd) immediately pass to insurers unanswered, all communications from third parties in relation to any event which may result in a claim under this policy
\ne) not admit or repudiate liability, nor offer to settle, compromise, make payment which may result in a claim or pay any claim under this policy without insurers written agreement
\nand you shall
\na) submit to medical examination at insurers request in respect of any alleged Accidental Bodily Injury where insurers shall pay the fee
\nb) as soon as possible after the occurrence of any Accidental Bodily Injury obtain and follow the advice of a Qualified Medical Practitioner<\/p>\n
\nb) accident or injury to any person or loss or destruction of, or damage to, their property and must comply with all legal requirements and safety regulations and conduct the Business in a
\nlawful manner.<\/p>\nComplaints<\/h3>\n
\nSouth Quay Plaza
\n183 Marsh Wall
\nLondon
\nE14 9SR<\/p>\nDetails of our regulator<\/h3>\n
General contract disclosure<\/h3>\n
Financial services compensation scheme.<\/h3>\n
Additional Information<\/h3>\n
\n6 Cherry Orchard Road
\nCroydon
\nCR9 6AZ
\ntel 020 8686 5050<\/p>\n