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Travel Insurance FAQ'sInsurance policies are not easy to understand (that is why you need a good insurance broker to help you!). Holiday insurance is no exception. We have provided answers to some commonly asked questions which we hope will be of use to you. The answers are meant as a guide only, the full policy wording will confirm the full cover details. If you do have any specific questions please contact us. We will answer your query and also add it to this list of FAQ's if we believe it would be of benefit to others. |
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Which insurance company will my policy be with?
Can non-UK residents buy the insurance?
What should I do if I am not satisfied?
Am I covered if I had a stroke 4 months ago and my doctor says I'm fit to travel?
Who should be informed about pre-existing medical conditions?
Am I covered if I lose my contact lenses?
What is 'reasonable allowance for wear and tear'?
Are my belongings covered if they are on a roof rack?
What should I do if the airline loses or damages my suitcase?
Is my camcorder worth £800 covered?
Am I covered for cancellation if one of my close relatives is taken ill?
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Which insurance company will my policy be with? The details on our website are of a policy underwritten by Axa. We may however offer you a different policy if it is more suitable to your particular requirements.
Most claims are subject to a £65 claim excess. Economy cover is subject to a £75 excess increasing to £100 for medical claims
What is the premium tax on travel insurance? Currently it is 17.5%. This has been included within the premiums quoted.
Can non-UK residents buy the insurance? No.
What should I do if I am not satisfied?
In the unlikely event that you are not satisfied with the level of service provided, return the policy within 14 days of receipt, provided you have not been on holiday or made a claim, you will receive a full refund. Am I covered if I had a stroke 4 months ago and my doctor says I'm fit to travel? If you have had treatment or surgery in the twelve months prior to taking out the insurance your condition is specifically excluded unless you phone the Medical pre-screening Service. The insurers may then agree to delete or amend this exclusion - Please contact us for more information on the screening procedure.
The policy has details of the claims service. There is a 24 hour international medical number for emergency treatment abroad. For non emergency claims a different phone number is used.
Who should be informed about pre-existing medical conditions? You should call the medical pre-screening service. For more details of this and a personalised quotation phone us on 01255 812796.
Am I covered if my flight from Glasgow to Heathrow is delayed and I miss my connecting flight to New York?
Yes, for necessary additional accommodation and travel expenses up to the policy limit. Am I covered if I lose my contact lenses? No.
What is 'reasonable allowance for wear and tear'? Under the personal baggage section claims for lost or damaged items can be reduced depending on the age and likely condition of the item.
Are my belongings covered if they are on a roof rack? No.
What should I do if the airline loses or damages my suitcase?
You should report the incident immediately and obtain a 'Property Irregularity Report' from the airline. Is my camcorder worth £800 covered? We recommend you to contact your house contents insurance company to arrange an extension to cover the camcorder. The claim limits under travel policies are not adequate to cover valuable items.
What should I do with my belongings if I've gone to the beach and want to have a swim and my hostel doesn't have a safe place to keep them? You should not leave money or valuables unattended at any time. If necessary, ask someone YOU KNOW to look after your belongings.
Am I covered for cancellation if one of my close relatives is taken ill? Yes, subject to the policy conditions regarding pre-existing conditions which applies to relatives as well as you. Please ask us for a copy of the policy for full information.
If I have to return home for an insured reason, will the insurance compensate me for my lost holiday? Curtailment means cutting your planned journey short by early return to the United Kingdom or admission to hospital overseas as an in-patient so that you lose the benefit of accommodation you have paid for. The insurance will pay on the basis of the number of complete nights' accommodation lost.
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