Frequently Asked Questions

General

1.  Why buy a travelandinsure policy?
2.  How many days can I be abroad on an annual policy?
3.  Is there a limit to the number of days I can be abroad on an annual policy?
4.  Is it possible to extend the trip on the annual policy?
5.  Do the annual policies cover UK travel?
6.  I will be 65 in the next 12 months, how will this affect my travel policy for annual cover?
7.  How many days can I go on holiday for on a single trip?
8.  If I am in the middle of my travels, can I buy travelandinsure insurance to cover the rest of  my trip?
9.  What happens if I need to extend my trip? Can I extend my policy?
10. If I take out a travel insurance policy for Europe, does that cover the whole of the UK?
11. Why do you offer two types of Worldwide cover?
12. If I take out a Europe policy, are there any restrictions on where I can go?
13. Should I add the traveller's age at the date of purchase or their age at the date of travel?
14. Can I add an additional traveller to my annual policy just for a single trip?
15. I am in the military/emergency services, am I covered if I am called for duty?
16. What is the excess on my travel insurance policy?
17. Can I change my policy excess?
18. Who should I telephone in the event of a claim on my travel insurance policy?
19. What support can I expect from the local British Consulate?
20. Will my travel agent accept a travelandinsure insurance policy?
21. Can I cancel my policy if it does not meet my needs?
22. Do you have a 'cooling off' period after I have purchased my policy?
23. Is Insurance Premium Tax (IPT) included in the prices shown?
24. Do you cover my car if it breaks down when I am driving in Europe?
25. Can Non-UK passport holders purchase travelandinsure travel insurance?
26. I am a UK resident, already abroad, am I able to book insurance?
27. Can I travel on a one-way ticket?
28. When does my cover start on an annual multi trip policy?
29. When does cancellation cover commence?

Medical

1. I have a pre-existing medical condition and take medication. Is there a policy suitable for me if I make a health declaration?
2. Can you offer travel insurance for someone with a pre-existing medical condition?
3. If I arrange my travel policy on-line will my medical condition be automatically covered?
4. I have a medical condition but I am unsure whether to declare it.
5. How is the medical expenses section of this policy affected if travelling to a region covered by the FCO recommendation not to travel?
6. Does being pregnant affect my travel insurance cover?

Personal Effects

1. What is baggage cover?
2. What does 'baggage' really mean?

Families, Single Parent Families and Couples

1. Can you explain what you mean by family?
2. What do you mean by close relative?
3. We are a couple but not married; can my partner and I still take out a couples policy?
4. If I have family cover, do other family members have to travel with me for my policy to be valid?
5. Are my children covered free of charge? If not, can you give me a price for them to be included?
6. Can we travel independently on an annual policy?
7. Is my son or daughter covered for a school trip or will we have to take out separate cover?
8. Can children be insured if travelling alone?
9. Can we be insured as a couple on the same annual policy?
10. How do I get a quote for joint travel insurance?

Winter Sports

1. Do you offer skiing cover?
2. Do the annual policies cover ski and snowboarding trips?
3. Can I ski off-piste?
4. My children are going on a ski trip with their school. Will they be covered for ski racing?

Hazardous Activities

1. I am going on holiday next week. Will I be covered to water-ski?
2. What hazardous activities are covered in the policy?

Business travel

1. What is covered if I purchase business travel insurance cover?
2. Am I covered if my business equipment is delayed in transit?

Golf Cover

1. Am I covered if my golf clubs are is delayed or lost in transit?
2. Do you cover the costs associated with a 'hole in one'?

Wedding Cover

1. What happens if my wedding photos are stolen, lost or damaged during my trip?
2. Am I covered for loss of wedding attire, wedding rings and wedding gifts?

Frequently Asked Questions

General

1.  Why buy a travelandinsure policy?
We believe our policies offer good value for money and compare very favourably with other travel insurance providers.  Moreover, travelandinsure markets this insurance in support of Trade Aid UK and a proportion of the profits generated by the sale of these policies is donated to help people who are deprived of the basic necessities of life, such as water, food, healthcare, education and housing.  Thank you for helping to make a real difference to other people's lives.
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2.  How many days can I be abroad on an annual policy?
Our annual multi-trip policies cover 31 days on any one trip extendable to 60 days and 90 days any one trip for an additional premium.  All our multi-trip policies include Winter sports cover as standard and the number of days you can ski and snowboard in any 12-month period of insurance is limited to 21 days in total. We can also insure you for up to 28 days and whole weeks thereafter on our single trip policies.
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3.  Is there a limit to the number of days I can be abroad on an annual policy?
Our annual multi-trip policies cover 31 days on any one trip extendable to 60 days and 90 days any one trip for an additional premium.
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4.  Is it possible to extend the trip on the annual policy?
Our annual multi-trip policies cover 31 days on any one trip extendable to 60 days and 90 days any one trip for an additional premium but this must be done when you first take out this policy.  We can also insure you up to 28 days and whole weeks thereafter on our single trip policies.
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5.  Do the annual policies cover UK travel?
Yes, all our annual policies cover the UK provided you have booked a minimum of two nights accommodation.
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6.  I will be 65 in the next 12 months, how will this affect my travel policy for annual cover?
If you turn 65 during the policy year, the policy will continue unchanged until renewal.
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7.  How many days can I go on holiday for on a single trip?
We can insure you up to 28 days and whole weeks thereafter on our Single Trip policies.
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8.  If I am in the middle of my travels, can I buy travelandinsure insurance to cover the rest of my trip?
If you are currently travelling, we cannot offer a policy.
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9.  What happens if I need to extend my trip? Can I extend my policy?
If you are currently travelling, we cannot extend the policy.
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10.  If I take out a travel insurance policy for Europe, does that cover the whole of the UK?
With our Europe travel cover, you are insured to travel within the United Kingdom, including Northern Ireland, the Channel Islands and the Isle of Man.
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11.  Why do you offer two types of Worldwide Cover?
We do this on our Single Trip policies as we want to give you the widest choice possible at the most favourable price.  We therefore offer you a worldwide policy, which excludes the USA and Canada, and a worldwide policy that includes the USA and Canada.  We believe that this offers you the best value for money and leaves the choice to you.
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12.  If I take out a Europe policy, are there any restrictions on where I can go?
If you take out a Europe policy with us, you are insured to travel to and within Europe west of the Ural Mountains, Madeira, Canary Islands, Iceland, the Azores, Cape Verde Islands, Mediterranean Islands and non-European countries bordering the Mediterranean (except Algeria, Lebanon, Libya, and Albania).
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13.  Should I add the traveller's age at the date of purchase or their age at the date of travel?
All of our quotes are based on the details at the time of purchase.
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14.  Can I add an additional traveller to my annual policy just for a single trip?
It is not possible to add a co-traveller to an annual policy for a single trip.  You would need to arrange a separate single trip policy for your companion.
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15.  I am in the military/emergency services, am I covered if I am called for duty?
Yes, we provide cover for the withdrawal of leave for members of the Armed Forces, Police, Fire, Nursing or Ambulance Services, provided that such cancellation or curtailment could not have reasonably been expected at the time of applying for insurance.
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16.  What is the excess on my travel insurance Policy?
Our policies carry varying excesses depending on the section but see the Policy Schedule for a more detailed breakdown on those sections where no excess is applied.
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17.  Can I change my policy excess?
Yes, you can reduce your excess to £0 for the payment of an additional premium by selecting the appropriate box on the website when selecting your policy.
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18.  Who should I telephone in the event of a claim on my travel insurance policy?
Please visit our website http://www.travelandinsure.com/ claims page when you decide to make a claim.  If, during your trip, it is necessary for you, or a member of your party, to go to hospital or travel home other than as originally planned, you must contact the Assistance Company at the time of the incident or as soon as possible.
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19.  What support can I expect from the local British Consulate?
British Consuls abroad will try and do everything they properly can to help British people in difficulty abroad. Go to our dedicated FCO web page where we give advice on what British Consulates can and cannot do.
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20.  Will my travel agent accept a travelandinsure insurance policy?
Yes, you are free to select whichever travel insurance policy you want.  Some agents and tour operators will try very hard to get you to take out their own travel insurance product, which are usually more expensive than what you can find over the Internet.
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21.  Can I cancel my policy if it does not meet my needs?
If you decide the insurance does not meet your needs, you may cancel the insurance within 14 days from the date of purchase and we will refund the premium provided you have not taken a trip to which this insurance applies and you have not made a claim.  We reserve the right to apply a £15 administration charge.
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22.  Do you have a 'cooling off' period after I have purchased my policy?
If you decide the insurance does not meet your needs, you may cancel the insurance within 14 days from the date of purchase and we will refund the premium provided you have not taken a trip to which this insurance applies and you have not made a claim.  We reserve the right to apply a £15 administration charge.
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23.  Is Insurance Premium Tax (IPT) included in the prices shown?
All prices quoted include IPT at 17.5%.  This rate could change as this is a tax and beyond our control.
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24.  Do you cover my car if it breaks down when I am driving in Europe?
No, you are recommended to take out motor breakdown insurance if you intend to drive your own car in Europe.
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25.  Can Non-UK passport holders purchase travelandinsure travel insurance?
Yes, but you must be resident in the United Kingdom.
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26.  I am a UK resident, already abroad, am I able to book insurance?
We cannot cover you if you are already out of the country.
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27.  Can I travel on a one-way ticket?
Yes, one way trips or journeys are covered up to a maximum of 1 week after arrival at the final international destination airport or port.
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28.  When does my cover start on an annual multi trip policy?
For all multi trip policies, the insurance starts on the date you select for the commencement of your 12 months period.
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29.  When does cancellation cover commence?
On a single trip policy, the cancellation risk starts from the date you purchase the policy, or the date you purchase the holiday if later, even though your trip may be several months ahead. For a multi trip policy, the cancellation risk will start from the date you choose to start your annual policy and only comes into force once you have paid for your holiday.
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Medical

1.  I have a pre-existing medical condition and take medication.  Is there a policy suitable for me if I make a health declaration?
The travelandinsure policy contains exclusions and conditions relating to your health.  If you, or any person who is travelling, has a pre-existing medical condition then you must declare that condition.  Should this apply to you, your declared medical conditions will not be covered.  If you have a pre-existing medical condition, you have two options: (1) take out this policy with the knowledge that your medical conditions will not be covered or (2) call the Free Spirit/travelandinsure special risks team on 0845 180 0063 for a personalised travel insurance quotation.
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2.  Can you offer travel insurance for someone with a pre-existing medical condition?
The travelandinsure policy contains exclusions and conditions relating to your health.  If you, or any person who is travelling, has a pre-existing medical condition then you must declare that condition.  Should this apply to you, your declared medical conditions will not be covered.  If you have a pre-existing medical condition, you have two options: (1) take out this policy with the knowledge that your medical conditions will not be covered or (2) call the Free Spirit/travelandinsure special risks team on 0845 180 0063 for a personalised travel insurance quotation.
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3.  If I arrange my travel policy on-line will my medical condition be automatically covered?
The travelandinsure policy contains exclusions and conditions relating to your health.  If you, or any person who is travelling, has a pre-existing medical condition then you must declare that condition.  Should this apply to you, your declared medical conditions will not be covered.  If you have a pre-existing medical condition, you have two options: (1) take out this policy with the knowledge that your medical conditions will not be covered or (2) call the Free Spirit/travelandinsure special risks team on 0845 180 0063 for a personalised travel insurance quotation.
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4.  I have a medical condition but I am unsure whether to declare it?
The travelandinsure policy contains exclusions and conditions relating to your health.  If you, or any person who is travelling, has a pre-existing medical condition then you must declare that condition.  Should this apply to you, your declared medical conditions will not be covered.  If you have a pre-existing medical condition, you have two options: (1) take out this policy with the knowledge that your medical conditions will not be covered or (2) call the Free Spirit/travelandinsure special risks team on 0845 180 0063 for a personalised travel insurance quotation.
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5.  How is the medical expenses part of this policy affected if travelling to a region covered by the FCO recommendation not to travel?
FCO advice is there for guidance to travellers and updated very regularly.  The decision to travel is up to the policyholder but there are exclusions in this policy relating to terrorism, war, rebellion and civil disturbances, among others.  No cover will be provided should you raise a claim that has been caused by any of the events as laid out in the General Exclusions of our policy.
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6.  Does being pregnant affect my travel insurance cover?
We will not provide insurance cover if you are expected to give birth within eight weeks of the start of your trip, during the trip or within eight weeks of the end of the trip, other than for Cancellation where the trip has been booked and insurance purchased prior to becoming pregnant and where the start of the trip falls within the last 8 weeks of pregnancy, as confirmed by your medical practitioner.
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Personal Effects

1.  What is my baggage cover?
Baggage is defined as luggage, clothing, personal effects, valuables and other articles which belong to you (or for which you are legally responsible), used or carried by you during any trip.  Your valuables are defined as jewellery, gold, silver, precious metal or precious or semi precious stone articles, watches, furs, leather goods, cameras, camcorders, photographic, audio, video, computer, television and telecommunications equipment (including CD's, DVD's, tapes, films, cassettes, cartridges and headphones), computer games and associated equipment, telescopes and binoculars, portable DVD players, ipods and MP3 players.  There are limits in the baggage sections that may not be enough for expensive items such as jewellery and photographic or video equipment. However, you can usually insure these items separately under the 'All Risks' extension of your home insurance.
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2.  What does 'personal effects' really mean?
Personal effects is another way of expressing baggage.  Baggage is defined as luggage, clothing, personal effects, valuables and other articles which belong to you (or for which you are legally responsible), used or carried by you during any trip. Your valuables are defined as jewellery, gold, silver, precious metal or precious or semi precious stone articles, watches, furs, leather goods, cameras, camcorders, photographic, audio, video, computer, television and telecommunications equipment (including CD's, DVD's, tapes, films, cassettes, cartridges and headphones), computer games and associated equipment, telescopes and binoculars, portable DVD players, ipods and MP3 players.  There are limits in the baggage sections that may not be enough for expensive items such as jewellery and photographic or video equipment.  However, you can usually insure these items separately under the 'All Risks' extension of your home insurance.
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Families, Single Parent Families and Couples

1.  Can you explain what you mean by family?
When you take out our family policy, we define take this to mean two adults and up to 4 children, step children or foster children aged 17 and under or 18 to 21, if in full time education, at the time of purchasing this insurance, accompanying the parents or legal guardian insured on the same policy travelling on any trip to the same destination.  Under annual multi trip cover, either adult is also insured to travel on their own.  Children may travel independently provided the additional premium has been paid at the time of commencement of the policy and noted on the certificate.
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2.  What do you mean by close relative?
In our policy, 'close relative' means spouse, partner, fiancé(e), mother, father, son, daughter, sister, brother, grandparent, grandchild, parent-in-law, son-in-law, daughter-in-law, sister-in-law, brother-in-law, step parent, step child, step sister, step brother, foster child or legal guardian who reside in the UK.
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3.  We are a couple but not married; can my partner and I still take out a travelandinsure couples policy?
Yes, you can, provided you and your partner live together and share accommodation as if married.
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4.  If I have family cover, do other family members have to travel with me for my policy to be valid?
On a family and single parent family annual multi trip policy, named adults can travel independently of other family members.  Should you wish the children named on these policies to be able to travel independently of their parents, then this can be done at time of booking by selecting the appropriate drop down menu and paying an additional premium.
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5.  Are my children covered free of charge? If not, can you give me a price for them to be included?
On a family and single parent family annual multi trip or single trip policy, up to 4 children, step children or foster children aged 17 and under or 18 to 21, if in full time education, at the time of purchasing this insurance, travel free provided they are accompanying their parents or legal guardian insured on the same policy on the same trip to the same destination.
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6.  Can we travel independently on an annual policy?
On a couple annual multi trip policy, named adults can travel independently.  On a family and single parent family annual multi trip policy, named adults can travel independently of other family members.  Should you wish the children named on these policies to be able to travel independently of their parents, then this can be done at time of booking by selecting the appropriate drop down menu and paying an additional premium.
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7.  Is my son or daughter covered for a school trip or will we have to take out separate cover?
On a family and single parent family annual multi trip policy, named adults can travel independently of other family members.  Should you wish your son or daughter, named on these policies, to be able to travel independently of their parents, then this can be done at time of booking by selecting the appropriate drop down menu and paying an additional premium.
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8.  Can children be insured if travelling alone?
Yes, either by taking out their own individual policy or by being included within a family and single parent family annual multi trip policy, provided this is done at the time of booking by selecting the appropriate drop down menu and paying an additional premium.
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9.  Can we be insured as a couple on the same annual policy?
We provide cover for couples, irrespective of whether they are married or not.  All we ask is that couples live and share accommodation together.
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10.  How do I get a quote for joint travel insurance?
In addition to single persons, Travelandinsure offers policies for couples, families and single parent families.
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Winter Sports

1.  Do you offer skiing cover?
Yes, we offer a Winter sports policy with a range of skiing and snowboarding benefits for customers who want to take part in normal Winter sports activities.  Winter sports cover is included in all our annual multi trip policies as standard and can be added to all single trip policies with the payment of an additional premium.
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2.  Do the annual policies cover ski and snowboarding trips?
Winter sports cover is included in all our annual multi trip policies as standard.  In our annual policies, the number of days you can ski and snowboard is limited in any twelve month period of insurance to 21 days in total and you will find that this compares very favourably to many other policies on the market.
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3.  Can I ski off-piste?
When you take out a winter sports cover, you are covered to ski and snowboard off-piste provided you are accompanied by a qualified guide or instructor.
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4.  My children are going on a ski trip with their school. Will they be covered for ski racing?
Yes they will, provided the ski racing is arranged by the ski school at the resort for their ski classes.
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Hazardous activities

1.  I am going on holiday next week. Will I be covered to water-ski?
Yes, water skiing, but not jumping, is included at no extra premium provided the activity is professionally organised and supervised and you wear relevant safety equipment and take appropriate safety precautions and is incidental to your holiday.  The travelandinsure policy wording contains a list of hazardous activities that are included as standard and lists those activities that we can cover with the payment of an additional premium.  We also include the list of sports and activities on our dedicated hazardous activities page on our website.
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2.  What hazardous activities are covered in the policy?
To help you see whether you are covered, we have a dedicated page for 'Hazardous Activities' which gives details on what is covered and those which we can cover with the payment of an additional premium.  If you are in doubt, then please call our helpline on 0845 180 0064.
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Business Travel

1.  What equipment is covered if I purchase business travel insurance cover?
We define business equipment as computer equipment, communication devices and other business related equipment that is carried by you in the course of your normal business.
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2.  Am I covered if my business equipment is delayed in transit?
Yes, we provide cover for the purchase or hire of essential items if your Business Equipment is delayed, damaged or lost in transit on your outward journey for more than 12 hours.
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Golf Cover

1.  Am I covered if my golf clubs are is delayed or lost in transit?
Yes you are covered whilst on your trip.  We will pay you for the loss, theft or damage to your own golf equipment and also, for each 24 hour period, for the cost of necessary hire of Golf Equipment following the loss of, breakage to and the misdirection and delay in transit of your golf equipment.
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2.  Do you cover the costs associated with a 'hole in one'?
Yes, we do.  We will pay you if you score a 'hole-in-one' though we do ask you to submit your score card, signed by you and a witness and countersigned by the club professional.
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Wedding Cover

1.  What happens if my wedding photos are stolen, lost or damaged during my trip?
We offer cover for the reasonable additional costs incurred to reprint/make a copy of or retake the photographs/video recordings either at a later date during the trip or at a venue when you return home if the professional photographer who was booked to take the photographs/video recordings on your wedding day is unable to fulfil such obligations due to illness or unavoidable and unforeseen transport problems.  We also cover the photographs/video recordings of the wedding day, taken by a professional photographer, which are lost, stolen or damaged within 14 days after the wedding day and whilst you are still at the holiday location.
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2.  Am I covered for loss of wedding attire, wedding rings and wedding gifts?
Our wedding cover insures you for your wedding ring(s) and wedding gifts taken, sent in advance or purchased on your trip and your wedding clothes worn on your wedding day.
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