the section below
contains some of the most common questions &
answers about the cover, and how it works
if you need further information e-mail us and we will answer individually
frequently
asked
questions
Q When should I first start the cover ?
A As soon as you have made a booking. This will give you the benefit of cancellation cover should you have to cancel the holiday for various reasons.
Q What is defined as Europe?
A Europe includes Ireland,The Channel Islands, The Azores, The Canary Islands, Morocco,Tunisia, Mediterranean Islands, Turkey, Black Sea Resorts and Commonwealth of Independent States (West of the Ural Mountains)
Q Does the policy cover skiing ?
A provided you have selected this option the cover includes 17 days Winter sports cover, which includes snowboarding etc. There are some exclusions eg. off piste skiing,ski-jumping, bobsleighs etc. We can provide cover for all activities but this will normally involve an additional charge. Please contact us.
Q Does the policy cover UK travel or holidays?
A Yes provided that this involves at least 2 nights pre-booked accommodation
Q I am going on a holiday which includes various sports. Am I covered ?
AThe policy will cover most recreational sports likley to be undertaken during an holiday, and there is a list of these here.Other sports can be covered by special arrangement but you will need to contact us before the trip.There are certain exclusions such as mountaineering/rock climbing, potholing etc,
Q. Is flying covered ?
A Only as a passenger
Q. When does the cover start ?
A The Cancellation and Curtailment cover applies from when the trip is booked or from the policy inception date, whichever is the later
Q. What happens if I am ill whilst away ?
A. Full details of how to claim and what to do in a medical emergency, including 24 hour Emergency helpline numbers are included in the documents issued. For a summary click here
Q Can my partner travel independently on this policy ?
A Yes, but dependent children must be accompanied by an insured person
Q I am going on holiday with my parents/ friends. Can they be covered under this policy
A No, but we can arrange specially discounted cover for them separately.
Q. I am diabetic. How does this affect the cover ?
A. Mild diabetes, i.e a stable condition that is controlled by diet is not excluded under the medical expenses section
Q. What about asthma ?
A. Same as above. stable and non-chronic conditions are not excluded under the medical expenses section.see medical acceptance criteria here
Q I am pregnant, how does this affect the cover ?
A Cover applies up to 10 weeks of the expected date of confinement.If you travel in the final 10 weeks, or in the 10 weeks after delivery,claims arising as a result of pregnancy and childbirth are excluded .
Q. What happens at the end of the insurance period ?
A Shortly before expiry, we will write to you inviting the renewal. You simply accept this and a new certificate is issued.
Q. How do I join ?
A Simply call us on 01635 860505. You will need your credit/debit card number. Cover is immediate and the policy and certificate will be issued that day........... or order on line using our SECURE ORDER FORM