Email coverquote

 

Travel Insurance FAQ's

Insurance 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.

 

Which insurance company will my policy be with?

 

Is there a claims excess?


What is the premium tax on travel insurance?

 

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 handles claims?

 

Who should be informed about pre-existing medical conditions?

 

Am I covered if my flight from Glasgow to Heathrow is delayed and I miss my connecting flight to New York?

 

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?

 

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?

 

Am I covered for cancellation if one of my close relatives is taken ill?

 

If I have to return home for an insured reason, will the insurance compensate me for my lost holiday?

 

 

Which insurance company will my policy be with?

The details on our website are of a policy underwritten by Mapfre Assistance. We may however offer you a different policy if it is more suitable to your particular requirements.

BACK TO THE TOP


Is there a claims excess?

Most claims are subject to a 65 claim excess. Economy cover is subject to a 95 excess.

BACK TO THE TOP


What is the premium tax on travel insurance?

Currently it is 20%. This has been included within the premiums quoted.

BACK TO THE TOP


Can non-UK residents buy the insurance?

No.

BACK TO THE TOP


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.

BACK TO THE TOP

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.

BACK TO THE TOP


Who handles claims?

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.

BACK TO THE TOP


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.

BACK TO THE TOP


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.

BACK TO THE TOP

Am I covered if I lose my contact lenses?

No.

BACK TO THE TOP


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.

BACK TO THE TOP


Are my belongings covered if they are on a roof rack?

No.

BACK TO THE TOP


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.

BACK TO THE TOP

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.

BACK TO THE TOP


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.

BACK TO THE TOP


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.

BACK TO THE TOP


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.

BACK TO THE TOP


Please now select one of the following options:

No obligation quotation

Summary of cover

Travel Insurance Tips