Help and Frequently Asked QuestionsNo matter what you are looking for in an insurance cover, www.insurancebookers.co.uk has an answer for you. From group travel insurance to travel insurance for over 65 and health insurance, there is a quote just tailored for you. Insurancebookers comes with a comprehensive travel insurance policy to meet all kinds of insurance needs. So, what are you waiting for? Book a holiday and leave your travel insurance needs on us. All you need to do is check out our quote travel insurance offers online and get a cover for yourself!
Search the links below to find help and answers to out most frequently asked questions. If you cannot find an answer to your question below, or require further confirmation please do not hesitate to contact us.
E-mail enquiries@insurancebookers.com
Telephone 0870 814 6054
Why purchase Travel Insurance?
Single Trip, Annual Multi-Trip or Gap?
The types of Single Trip cover available
What is an excess waiver?
Help with traveller type options
Are there any countries excluded under my insurance?
Help with adventure activities
Help with pre-existing medical conditions
How to book
About our 14 day money back guarantee
Making a claim
Credit card security
More Frequently Asked Questions
I need to make a booking that contains over 65 year olds as well as under 65 year
olds. How do I do this?
When does my Annual Multi trip cover start and expire?
What hazardous / sporting activities are covered by the Standard Policies?
Can I upgrade my cover to include hazardous activities/ winter sports after my
journey has started?
If I purchase Winter Sports cover am I covered for off-piste skiing /
snowboarding?
What if I need to extend my insurance cover period?
What if I need to come home because of an emergency?
I am pregnant, does my Travel Insurance policy still provide medical expenses and
cancellation cover?
Can I extend the maximum 45 day Trip duration within my Annual Multi Trip
policy?
Does my Annual Multi Trip policy include cover for winter sports?
Can my family travel independently with your Family / Couple Annual Multi Trip
policy?
Can I purchase additional cover for personal items that exceed the valuables /
single article limit?
Why purchase Travel Insurance?
It is essential to be insured when travelling. Medical and liability costs can run to the
tens of thousands, cancelling your holiday could mean losing some or all of the money you have
paid, having access to a 24 hour assistance service means help is always at the end of a telephone.
Having travel insurance gives you peace-of-mind when travelling, allowing you to enjoy your
holiday.
Single Trip, Annual Multi-Trip or Gap?
Insurancebookers offers the following types of insurance policy type:
Single Trip Travel Insurance
These policies cover you for a Single Trip or holiday and offer the best value for travellers
who only travel once a year. Insurancebookers offer Single Trip insurance in the following forms;
Standard, Senior 65+, Winter Sports, Business and Golf. The maximum age for a seniors 65+ Single
Trip policy is 74. For more information on these policies please see the next section entitled The
types of Single Trip cover available.
Annual Multi Trip Travel Insurance
Annual Multi Trip policies cover you for as many journeys as you like during a full year, but
the maximum length of any one trip is 45 days. Annual Travel Insurance also includes 17 days cover
for winter sports such as skiing and snow boarding. Annual multi trip policies may offer
considerable saving on purchasing individual Single Trip policies. The maximum age for an annual
multi policy is 64 years of age.
Gap Travel Insurance
Gap policies are designed with the budget traveller in mind and are only available to
individuals under 35 years of age. Gap policies are available in 3,6,9 and 12 month durations and
automatically include cover for some adventure activities and winter.
The Types of Single Trip of cover available
Senior 65+
The Senior 65+ Cover is specially designed for individuals aged 65 to 74. The Senior 65+ policies include the same benefits as the standard Single Trip policies and are available in Silver, Gold and Platinum levels of cover.
Winter Sports cover
If you are looking forward to go on a winter-sports holiday sometime over the next year, then
the winter sports cover is ideal for you. Winter Sports cover will insure you for on-piste skiing
and your ski equipment will be covered whether owned by you or hired. You will also be covered for
piste closures and avalanches as well as valuable medical expenses cover should you require it.
Golf Cover
If you are planning on playing golf while you are away then you should consider adding the Golf Cover option to your Single Trip travel insurance policy. By selecting The Golf Cover option your equipment will be insured against any damage in transit as well as hiring equipment if your clubs get stolen.
Business Cover
If you are planning to take a business trip the Business cover is ideal for you. The business cover provides you cover for the value of lost, stolen or damaged computer equipment, communication devices, or other business related equipment.
For a small premium, the excesses applicable on our Silver and Gold policies can be waived to ensure you are not charged for making a claim.
Help with traveller type options
How do you define an individual?
All travellers aged between 18 and 64 (or 74 if a seniors 65+ policy is purchased) are considered 'individual' travellers. An 'individual' traveller must be a resident of the UK for at least 6 months prior to purchase of the policy.
How do you define a couple?
A couple consists of two persons (as an individual and their spouse or partner) aged between 18 and 64, who have lived together for at least 6 months. Each individual named on the insurance is considered to be separately insured hence individuals are still covered even if travelling separately. However, only Annual Multi-Trip policy gives a Couple cover. Both the travellers must have been residents of the UK for at least 6 months prior to purchase.
How do you define a family?
A family is defined as one or two adults (an individual and their spouse or partner) and their dependent or legally adopted children. It is essential for the partners to have lived together for 6 months or more and to be aged between 18 and 64, while the children should be under 18 at the date of purchase and should be either in full-time education or living with them. Each individual adult named on the insurance is considered to be separately insured hence they are still covered if travelling separately from main family. Children under 18 years of age are entitled to travel separately to the main insured person if they are travelling with a relative, guardian or person with a legal duty of care or if they are travelling with the intention of meeting up with parents or relatives upon arrival at their destination. All travellers must have been residents of the UK for at least 6 months prior to purchase.
Can my family travel independently with your Family / Couple Annual Multi Trip policy?
If you have purchased either a family or couple Annual Multi Trip policy you can travel independently from your spouse / partner. Children under 18 years of age are entitled to travel separately to the main insured person if they are travelling with a relative, guardian or person with a legal duty of care or if they are travelling with the intention of meeting up with parents or relatives upon arrival at their destination.
Are there any countries excluded under my insurance?
Yes, your policy does not cover any trip in, to or through the following countries; Afghanistan, Cuba, Liberia, or Sudan.
Help with adventure activities
Can I upgrade my cover to include winter sports after my journey has started?
Please contact us on 0870 814 6054 for details on how to extend your policy to include this
cover and the premiums charged.
What hazardous/sporting activities are covered by the Insurancebookers
Policies?
Click here to see
a list of activities covered by us. If you cannot find your activity on this list please write to
us at
enquiries@insurancebookers.com with details of
the activity or call us on 0870 814 6054
If I purchase Winter Sports cover am I covered for off-piste skiing /
snowboarding?
Under our Winter Sports policy we cover off-piste skiing and snowboarding except in areas
considered to be unsafe by resort management. We also cover cross-country skiing, monoskiing,
blading, langlauf, ski boarding, tobogganing and glacier walking or trekking up to 4,000 metres.
Help with pre-existing medical conditions
This policy contains conditions relating to your health, the health of people travelling with you and the health of others who might not be travelling with you but on whose health the trip may depend (this would include a relative or a close business associate). In particular, claims will not be covered where at the time of taking out this insurance you, or any person on whose health the trip may depend (this would include a relative or a close business associate), have suffered from or received any form of medical advice or treatment or medication for:
any heart-related or blood circulatory condition (excluding mild*, well controlled hypertension suffered in isolation); or
(b) any breathing condition (excluding mild*, well controlled asthma suffered in isolation); or
(c) any cancerous condition in the last five years; and/or
(d) you or any person on whose health the trip may depend (this would include a relative or a close business associate) have been referred to or seen a hospital specialist or needed inpatient hospital treatment in the last year.
In this instance mild means you are taking no more than two types of medication for hypertension and in the case of asthma, you are using no more than two inhalers.
If you suffer from a medical condition, and you are unsure as to whether or not this insurance meets your needs, please ring the medical screening line on 0870 0440 281. Failure to declare a condition to the medical screening line will result in claims relating to the undisclosed condition not being covered.
How to book
How to book Travel Insurance?
About our 14 day money back guarantee
If this cover is not suitable for you and you want to cancel your policy, you must
contact insurancebookers on 0870 814 6054 or by e-mailing
enquiries@insurancebookers.com within 14 days
of buying your policy or the date you receive your policy documents. In line with the conditions
below we will refund the premium you have paid within 30 days of the date you contact
insurancebookers to ask to cancel the policy.
If you are a single trip policyholder, we will not refund your premium if you have travelled or made a claim before you asked to cancel the policy within the 14-day period.
If you are an annual multi-trip or Gap year policyholder and you have travelled or made a claim
before you asked to cancel the policy within the 14-day period, we will only refund a proportionate
amount of your premium
Making a claim
How do I make a claim?
If you need to make a claim You must register a claim by contacting the following
company:
AIG Travel Assist
PO Box 60108
London SW20 8US
Phone: 0870 0440 258
Fax: 0870 130 1953
E-mail: travelassistclaims@aig.com
Please note: All claims must be notified as soon as it is reasonably practical after the event which causes the claim. If our position is prejudiced by the late notification of a claim then this may affect our acceptance of a claim.
AIG Travel Assist are open Monday to Friday between 9am and 5pm. A claim form will be sent to you as soon as you tell them about your claim.
What if I need to come home because of an emergency?
The Medical Emergency Assistance Company, AIG Travel Assist, will provide immediate help if
you are ill, injured or die outside the United Kingdom.
They provide a 24-hour emergency service 365 days a year.
The contact details are as follows:
Phone: +44 (0) 1273 400 610
Fax: +44 (0) 870 130 1953
E-mail: travelassist@aig.com
Security Code? The card security code is a unique three or four-digit number printed on your
debit/credit card. This number is not embossed on the card and hence not printed on receipts -
making it difficult for anyone other than the genuine cardholder, to know it. Some card issuers
refer to this number as the 'Card Security Code' others as the 'personal security code' and others
as 'Card Verification Value'
|
Most cards have a set of numbers printed at the top of the signature strip on the reverse of the card, the final three-digit number is your security code. |
Frequently Asked Questions
If you are over 65 or require a policy for both under and over 65’s please book separate policies for the travelers over 65. Unfortunately, this will require two purchases.
When does my Annual Multi trip cover start and expire?
Your Annual Multi trip policy cover begins on the date you enter during the booking process. IMPORTANT: No cancellation cover is available before this date so please choose it carefully. Your Annual Multi Trip policy will then expire 365 days later and you can renew your policy online using my IB or over the phone.
What if I need to extend my insurance cover period?
This can only be arranged if the insurance cover period has not yet expired. Please contact us on 0870 814 6054 or log in to my IB online for details on how to extend your policy and the premiums charged.
Emergency medical treatment abroad is covered by our policy as long as you are less than 26 weeks pregnant at the start of, or during your trip.
You are covered for cancellation costs if you become pregnant after the date you arranged your policy (or booked your trip, whichever is the later) and you will be more than 26 weeks pregnant at the start of of during your trip; you will also be covered for cancellation if your doctor advises that you are not fit to travel due to complications in your pregnancy.
Can I extend the maximum 45 day Trip duration within my Annual Multi Trip policy?
You can extend your trip duration up to a maximum of 60 days. Please contact us on 0870 814 6054 or email us on enquiries@insurancebookers.com for details on the additional premiums applicable.
Does my Annual Multi Trip policy include cover for winter sports?
Yes, all our Annual Multi Trip policies include 17 days winter sports cover with the year.
Can I purchase additional cover for personal items that exceed the valuables / single article limit?
Unfortunately, we cannot increase the limits within your policy so strongly recommend that you
seek cover for expensive items elsewhere.
