News

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.


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.


iseti.co.uk

12/04/2017

 
www.iseti.co.uk
 
 
Our web site address can be a little long to type, so we've set up a shorter version and from there, you have access to all the same pages.
 
What does iseti stand for? It's So Easy Travel Insurance.
 
You can also e mail us at hello@iseti.co.uk or, better still, use the contact form at the foot of our site.


Remove Excess

10/08/2017

What is an Excess?
 
An Excess is the amount of a claim that you need to meet. The insurance meets the balance.
 
As with other types of insurance, there is an Excess payable on many types of claim under our travel insurance. The amount is shown in the Summary of Cover in our Policy Wording.
 
Here's an example of how the Excess affect a claim: If you make a claim where an excess is payable, this amount is deducted from what the insurance pays. If you make a vlaid claim totalling £200 for medical expenses, and there is an excess payable of £75, you will be reimbursed £125.
 
How to avoid having to meet the Excess
 
When you go through our quotation and booking system and are presented with the quotation, there is an option to Remove Excess. If you choose this option, the premium will change slightly. If you then make a valid claim, the policy will pay the full amount and you won't be required to meet the Excess.


Additonal medical conditions

10/08/2017

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. 


Client Area

10/08/2017

Everyone who has bought a policy from us and who has internet access has access to their client area.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)
You can access your client area from the link in the e mail sent to you with your documents or by going to www.itssoeasytravelinsurance.com/client
 
You can also click the Client Area link in the top menu at www.hivtravelinsurance.com.
 
For your security, we have changed our security protocols and now require passwords to be more complex. If you previously created a more simple password that doesn't meet the new criteria, you will be prompted to create a more complex one before proceeding.
 
If you can think of other features you'd like to see in your client area, please contact us with your suggestion(s).
 
 


Facebook

02/08/2017

Did you know we have two Facebook pages? One is for general information about our policies for people with pre-existing medical conditions or none; who have or need our Left the UK policy; for those who haven't lived in the UK for six months and who need travel insurance; and for those who need our long stay or one way trip policies. Click the logo below:
 
 
Our other Facebook page provides information about our specialist policy for those who are HIV+:
 
 
Please visit our page(s) and click the Like button. That way, we will be able to reach and be of use to more people. Thank you.