Remove Excess


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.

Electronic Equipment Restrictions


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


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


 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


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.