Are there any reasons why I may be unable to claim?

All claims should be honoured by your Travel Insurance Company providing you have supplied correct information and acted responsibly with your personal belongings. If this is not the case, your policy will be void and you will be unable to claim!

For Single Trip Travel Insurance

For Multi Trip Travel Insurance

Hot Topics

What are the different types travel insurance and which should you choose?
Travel Insurance policies vary from one provider to another. Generally speaking, the higher the premium, the more comprehensive the cover. However, this isn’t always the case. So you should check the policy to ensure that you are getting the most appropriate type and level of cover.
Do you need travel insurance if you are travelling in the UK?
If you are going anywhere in the UK, essentially the only travel insurance that you need is a simple cancellation policy. This means that in the event of any transport or accommodation being cancelled, the policy will cover your costs.
What exclusions on Travel Insurance should you look out for?
In other words, what is NOT covered by your travel insurance ! Never make any assumptions !
Why is there a need for a special backpacker’s travel insurance?
More and more people are taking off around the world or studying abroad for long periods of time – this has created the need for a special type of insurance, which is commonly known as backpacker travel insurance.
Is it OK just to get single trip travel insurance?
Yes, if you only go abroad once or twice a year, single trip travel insurance is the most appropriate Cover for your needs and probably the best value too!
Actually, the majority of claims that are turned down is due to the fact that many people don’t read their policy documents and are unaware of the exclusions and restrictions. It’s only when they come to claim that they discover they aren’t covered for certain events, such as an illness relating to a pre-existing medical condition or an accident caused by doing a hazardous activity.

In the first place, it’s absolutely essential to be honest about past or current medical conditions and other relevant details that may have a bearing on the validity of your cover.

Secondly, it’s important to check your policy documents thoroughly. If you are not sure about any aspect of your cover, ask your travel insurer before you go.

Even if you are covered, you must follow the safety precautions stipulated by your insurer. For instance, if you are irresponsible with your property and it is lost or stolen, then you will jeopardise your claim. Furthermore, most insurance companies will expect you to substantiate your claim with police reports, receipts and tickets etc.

The list below summarises some other reasons why you may not be able to claim:

• If you knew in advance that your trip might be terminated for any reason.
• If you stated that your insurance was for a personal trip when it was business trip.
• If you are claiming for an injury that was self-inflicted.
• If you are claiming for an illness that results from aids, alcohol or drug abuse.