News

Electronic Equipment Restrictions

24/03/2017

The UK Government has announced additional security measures for selected inbound flights to the United Kingdom.
 
Under the new restrictions, phones, laptops and tablets exceeding 16cm in length, 9.3cm in width or 1.5cm in depth are prohibited in cabins on selected flights to the UK from Turkey, Lebanon, Egypt, Saudi Arabia, Jordan or Tunisia.
 
Since most smartphones fall within these limits, we expect that they will continue to be allowed on board.
 
More information can also be obtained from the relevant airline or the Department for Transport website.
 
As far as your policy is concerned:
  • Where electronic devices are required to be stored in hold luggage to comply with the new measures, we will cover loss or damage up to the policy limits and subject to all other policy terms and conditions.
  • Following any loss or damage, a Property Irregularity Report (PIR) must be obtained from the carrier.
  • There will be no cover if you do not adhere to these latest travel restrictions and items are confiscated by the relevant authorities.
  • We strongly recommend that you back up information/photos/data before travelling and check your household or other insurances if higher value items are being taken.


Booking online

22/10/2016

October 2016
 
In all our annual policy renewal letters and in other communications, we always urge as many people as possible to obtain quotations and book online. Why do we keep encouraging this? The reason is simple: we want to keep our premiums as low as possible.

There are different ways of doing this. As of October 2016, our premiums have remained the same for some years. Even though our underwriter has sometimes increased them, we have absorbed the price rise and not passed it on to clients.

Another way to keep premiums down is to keep our costs down. Our largest expenditure is the call centre (the same company that handles claims, so they specialise in travel insurance and know our policy well). We have to pay staff to answer calls, whether they result in selling a policy or not. We are charged by the minute, so the fewer calls we need to answer, the lower our costs.

Having said that, we do understand that some people prefer to speak to another person, whereas other prefer not to. We will always be here for you by phone but if it is possible for you to obtain your quotation and book online, you will be contributing to keeping our premiums as low as possible for everyone.


Client Area

22/10/2016

 October 2016
 
Everyone who has internet access has access to their client area. By loggin in, you can perform a number of tasks. If you've forgotten your login details, click the text link on the login page, answer the questions and you will be able to reset them.
 
In the client area you can:
  • View, print and download your policy schedule and the policy wording for current policies
  • View expired policies you have purchased
  • Upgrade your policy eg from Europe to Worldwide, add a partner/spouse/children, increase the maximum number of days you can travel per trip within an annual policy
  • Buy a new single trip or annual policy (if you buy an annual policy and have previously purchased an annual policy, our system will automatically quote you a discounted, renewal premium (this discount is off the current premium of an equivalent policy as if it were bought for the first time)
  • Extend your single trip policy (provided the current policy hasn't expired and you have no reason to think you will be making a claim on it)
  • Amend your contact details
  • Cancel a policy (provided it is within 14 days of purchase and you haven't travelled)
If you can think of other features you'd like to see in your client area, please contact us with your suggestion(s).
 
 


Additonal medical conditions

22/10/2016

October 2016
 
Do you have additional medical conditions? 
 
HIV or the treatment for it can sometimes give rise to other medical conditions, one of the most common being heightened cholesterol.

When booking our policy, everyone needs to answer a few questions within the Health Warranty, for example if you have any other chronic, ongoing or recurring illnesses or conditions. If so, then because you don't meet the Health Warranty, we do need you to undergo a medical screening process so we can better understand your particular situation.

Hopefully we will be able to provide cover for any additional medical conditions and there might or might not be an additional premium to pay. This is the same process that other travel insurance policies go through where the premium is determined in part by what medical conditions someone has.

It's very important that all medical conditions are declared, otherwise if a claim is made that's directly or indirectly linked to an undeclared condition, the claim could be declined. This could result in you having to meet high medical costs. It's simply not worth it. For example, we had a client who declared only his HIV to us. He had to be admitted into hospital in America where he ran up a bill of $50,000. Because he hadn't declared his other medical conditions, his claim was declined. Had he declared them, we would have been clear that they were so severe, we weren't able to offer cover. Whether he still would have travelled, we don't know but at least we would have had the opportunity to warn him about the risk he was taking. 


Non-disclosire of HIV status

22/03/2017

Why don't our travel insurance policy documents indicate that you're HIV+ when other companies' do?
 
We think that not disclosing HIV on our travel insurance documents is very important for many people. Their family and friends might have no idea they are HIV+ and this would come to light if they happened to see an insurance document that clearly discloses their HIV status. It's a matter of confidentiality. There are probably few people who would like an envelope such as in the photo on the right to drop through their door having also been through the postal system! 
 
Although our HIV web site is www.hivtravelinsurance.com, all our e mail and correspondence has It's So Easy Travel Insurance on them with our 'main' web site www.itssoeasytravelinsurance.com. All our policies are sold under our company name, so the fact you have a policy with us doesn't, in itself, indicate your HIV status. 
 
So why do other insurance companies show someone's HIV status on their policy documents?
  • Other travel insurance companies sell their policies to people who can have a range of medical conditions, all of which have to be declared. If there's a claim related to a pre-existing medical condition, the insurers can clearly see if that condition has been declared.
  • Although HIV is obviously a pre-existing medical condition, I have written this policy with my underwriter in such a way that HIV is automatically covered under the policy wording. There is therefore no necessity to declared it again! In fact, as long as you meet our straightforward health warranty, there's no need to go through any medical screening whatsoever.
  • However, if you do have additional medical conditions or they don't meet our health warranty, you do need to go through our medical screening process. Additional medical conditions will be recorded and cover for them confirmed in writing.