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Frequently Asked Questions
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Your Trip Details

We will ask you for answers to questions, which we will use to assess the cover we can provide. The answers you give us must be correct to the best of your knowledge and belief. If any of these answers change or are incorrect now and throughout the life of the policy you must tell us. If you do not your policy may be invalid, you may pay an incorrect premium, claims may be reduced or not paid and your premium may not be refunded. Your policy will tell you about all the conditions.

Single trip

This provides cover for 1 return trip lasting no longer than 94 days. If you may travel more than once in the next 12 months, it may be worth considering an annual multi-trip policy. Please refer to the policy wording for full details.

Annual Multi-trip

This provides cover for an unlimited number of trips within a 12 month period provided no single trip lasts longer than the maximum duration under the policy level chosen. This may be better value than buying multiple single trip policies. Please refer to the policy wording for full details.

Europe (this includes the UK)

Choose if you are travelling within the continent of Europe, including all countries west of the Ural Mountains, islands in the Mediterranean, Madeira, the Azores and Iceland but not including Egypt, Israel, Morocco and Tunisia.

Worldwide excluding USA, Canada and the Caribbean

Choose if you're travelling to destinations outside of Europe but NOT including the USA, Canada or the Caribbean.

Worldwide including USA, Canada and the Caribbean

Choose if any part of your trip includes travelling to the USA, Canada or the Caribbean.

Cover is not provided for travel to a country, specific area or event which the Travel Advice Unit of the Foreign and Commonwealth Office https://www.gov.uk/foreign-travel-advice has advised against all travel or all but essential travel, or where a financial sanction exists which prohibits us from providing cover under this product.

There is no cover for claims in countries or regions that the Foreign & Commonwealth Office (FCO) have advised against all or all but essential travel, unless you are already travelling when the FCO publish the advice. Cancellation cover is provided if the FCO advise against travel after you have booked your trip. Please check your destination on the FCO website now and before travelling (https://www.gov.uk/foreign-travel-advice).

When do you want your cover to start?

Who's travelling?

Just Me

One person who is 18 years of age or over.

Couple

An individual and their partner provided they live together for at least six months or longer. A partner would include a civil partner.

Family (Including Single Parent Families)

A maximum of two adults (aged 18 or over) can be covered by a 'Family' policy.

An individual and their partner provided they live together and up to six of their dependent children (which can include fostered or adopted children) who are 17 years of age or under at the date of buying this policy and are either in full time education or living with them; or

An individual and their partner provided they live together for at least six months or longer and up to six grandchildren who are travelling with them for the full duration of the trip, and who are 17 years of age or under at the date of buying this policy and are either in full time education or living with them.

An individual and up to six of their dependent children (which can include fostered or adopted children) or grandchildren who are 17 years of age or under at the date of buying this policy and are either in full time education or living with them.

Group

A group of individuals who may not all be related and are named on one policy schedule under a Single Trip policy. All members of the group must travel together.

Please confirm that you and all other persons to be insured on this policy:

  • have their main home in the UK, Channels Islands or the Isle of Man
  • have a UK National Insurance number (applicable to insured persons over the age of 16 only)
  • are aged 79 or under at the date of buying this policy
  • are currently registered with a doctor in the UK
  • will not travel against any medical advice
  • are not aware of any reason why anyone may need to cancel or cut short any trip
  • are not travelling to a country or region where at the time of booking The Foreign and Commonwealth Office has advised against all travel or all but essential travel