Frequently Asked Questions (FAQs) - Selecting the Correct Policy
We have listed below the majority of questions we are frequently asked about selecting the right cover. We hope this helps but of course if you have any other questions please look at the other frequently asked questions or if you still can't find an answer don't hesitate to contact our sales team who will be happy to help on 08450 264 264.
Although these frequently asked questions are to assist you. You should read the policy carefully to make sure it suits your requirements. The policy wording is available on this site HERE.
Selecting the Right Cover
- What about business travel? Are those trips covered?
For Business Trips we can offer you an additional Business Policy which covers the loss, theft, delay or damage of Business Equipment and Laptops. Please call our customer service team or see relevant web page to found out more of the great benefits the business package can offer you. Click the link for more information about our business travel insurance cover.
- Can I reduce the premium by taking less medical insurance cover?
It is a good idea to have as much cover as is possible, the chances of your needing treatment of that level is extremely unlikely. This section of the policy also covers repatriation and that is well worth having especially if you take part in sports. We do of course offer 2 levels of cover for holiday insurance £1million for Standard and £10million for Superr and our Backpackers/Long Term pocily offers £3million.
- What is the E111/EHIC form?
E111 form has now been replaced with the EHIC. The EHIC form is now issused on an indiviual basis and will help cover medical costs occured in Europe. Please click for more details regarding EHIC.
- Am I automatically covered for injury during hazardous sporting activities?
No. You will automatically receive some sporting cover as standard but we do offer additional insurance for Hazardous sporting activities, whether that is Winter Sports or Sky Diving, for an additional charge. Please phone our customer service team or use our online quoting system for prices.
- Can members of my family named on the policy travel independently?
All adult members aged 18 years and above can travel independently, children can travel only when accompanied by at least one adult on the policy.
- If my child turns 18 during the life of the annual policy do I need to tell you?
Not until your policy is renewed and you will not be charged on your existing policy.
- My travel agent is asking if I have travel insurance, should I buy it from them?
Your travel agent may well want to see your insurance policy to prove you have bought some. Your agent may need the policy documentation number. You do not need to buy the insurance from the agent.
- Will my camping trip be covered even though I have not decided exactly where I'm going?
Camping and self catering trips are covered. Your policy would cover you for cancelled ferry crossings for example. You should make sure that all of your camping equipment is fully insured before your trip because your cover for personal luggage/articles is only available up to £2000.
- What is the longest time that I can be covered for each trip with an Annual Multi-Trip policy?
The longest period in consecutive days is 91. You will be covered for a maximum of 183 in total out of 365.
- What is the point of an annual travel policy?
If you intend to travel more than once a year an annual multi trip policy can be more effective and also enables you to travel as many times as you like subject to each trip lasting no more than 91 days and total time away from home is no more than 183 days.
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