Travel Insurance

Got a travel insurance question? We've got the answers!

Simply click the question and you'll jump straight to the answer. If we haven't been able to answer your question here, simply call us on 0800 051 3606 - we'll be glad to help! (calls may be recorded and/or monitored).

Your questions

1. Should I buy single trip or annual multi-trip travel insurance?
2. What confirmation of cover do I have?
3. Can I travel without my travel insurance documents?
4. My age will change during the policy duration, will this affect my travel insurance cover?
5. How do I know my policy has gone through OK?
6. Am I covered as soon as I get a reference number?
7. Am I covered for a winter sports trip?
8. Does the policy cover business travel?
9. Can people travel independently on a travel insurance policy?
10. Where can I find information about what your travel insurance covers?
11. What do I do if I have to make a claim?
12. Am I covered for emergency air ambulance to get me home?
13. What happens if I don't agree with the conditions of the quote?
14. What do I do if I want to cancel my travel insurance policy after I have paid?
15. I am a Norwich Union Travel Service member - Why has part of the Travel Services information been removed from this website?
16. What do I do if I'm over 69 years of age?

Our answers

1. Should I buy Single Trip or Annual Multi-Trip Travel Insurance?

   If you think you're likely to be taking more than one trip a year, then you may find that our Annual Multi-Trip Travel Insurance policy is more cost effective than taking out a separate policy each time you travel.

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2. What confirmation of cover do I have?

   When you buy your travel insurance online, we'll give you a policy reference number that confirms your cover. We will also send you written confirmation of your policy details and our travel insurance policy booklet. If you have any concerns, please don't hesitate to call our friendly travel insurance experts on 0800 051 3606 (calls my be recorded and/or monitored).

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3. Can I travel without my travel insurance documents?

   Yes you can. All you need for proof of your travel insurance policy is your unique policy number that comes with your documentation. However, we'd recommend you make sure you have our helpline numbers so you can reach us easily if the unexpected occurs.

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4. My age will change during the policy duration - will this affect my travel insurance?

   No. We automatically take your age into consideration when preparing your travel insurance policy so there's no need to worry.

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5. How do I know my travel insurance policy has gone through OK?

   As long as you have a policy reference number for your travel insurance, you can be 100% confident everything has gone through OK and that your cover is in place. If you've bought your policy online, it'll be in the confirmation email as well as in the documentation we send to you in the post. If you have any concerns, please don't hesitate to call our friendly travel insurance experts on 0800 051 3606 (calls my be recorded and/or monitored).

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6. Am I covered as soon as I get a reference number?

   • For single trip travel insurance, cancellation cover starts from the date we issue the policy, the rest of your cover will start on your intended departure date.
   • For annual travel insurance, cancellation cover begins from the start date of the policy or the date you book each holiday, whichever is later.

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7. Am I covered for a winter sports trip?

   We regularly see injuries from pursuits like skiing and snowboarding so you will need to select winter sports cover and pay the extra premium.

   • Single trip: specify the winter sports option on your single trip travel insurance and you will be covered throughout the duration of your trip for an extra premium.
   • Annual multi-trip: specify the winter sports option on your annual travel insurance and you will be covered for up to a total of 21 days within the period of insurance for an extra premium.

   If you add the winter sports option to your travel insurance policy, we'll show this clearly on your policy documentation.

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8. Does the policy cover business travel?

   You can select business cover for your travel insurance as long as it's for clerical and administrative tasks only - insurance-speak for working in an office while you're away!

   • Single trip: specify the business travel insurance option and you'll be covered for the duration of your policy for an extra premium.
   • Annual multi-trip: specify the business travel insurance option and you'll be covered up to a maximum of five trips in each 12-month insurance period.

   If you add the business travel option to your travel insurance policy, we'll show this clearly on your policy documentation.

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9. Can people travel independently on a travel insurance policy?

   Yes, adults can travel independently - but children under 16 must be accompanied by an adult who is insured on the same travel insurance policy.

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10. Where can I find out what your travel insurance covers?

    Easy - just click summary of cover for more detailed information. If you have any concerns, please don't hesitate to call our friendly travel insurance experts on 0800 051 3606 (calls my be recorded and/or monitored).

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11. What do I do if I have to make a claim?

    We know how important prompt, sympathetic and professional claims handling is - particularly if you may be in distress overseas. That's why we have a special travel insurance claims unit that's open 24 hours a day, seven days a week. We have multi-lingual operators too in case we need to speak with the local authorities.

    • For claims advice: call us anytime of day or night on 0800 015 0362 in the UK or +44 870 010 2384 from abroad.
    • For medical emergencies: call our worldwide 24-hour medical emergency helpline on 01603 208044 in the UK or +44 1603 208 044 from abroad.
    • For legal expenses claims or advice: call our experts on 01603 208244 in the UK or +(44) 1603 208244 from abroad.
    • Whatever your problem, you know that friendly help is just a phone call away.

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12. Am I covered for an emergency air ambulance to get me home?

    Yes - if local medical opinion recommends it, we'll do it without hesitation.

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13. What happens if I don't agree with the conditions of the quote?

    Just call our team on 0800 051 3606 (calls my be recorded and/or monitored) to discuss any aspect of our travel insurance.

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14. What do I do if I want to cancel my travel insurance policy after I have paid?

    As soon as your pay for your travel insurance policy, we'll send you the documentation within three working days.

    • We are governed by - and you are protected by - the Financial Services Authority (FSA).
    • You have the statutory right to cancel your policy within 14 days of receiving your travel insurance documentation.
    • You will receive a full refund provided you haven't travelled and there has been no claim or incident likely to give rise to a claim.
    • To cancel your travel insurance policy, just call us on 0800 068 3664 (calls my be recorded and/or monitored).
    • If you don't cancel your travel insurance policy, it will stay in force and you will need to pay the premium.
    • For more information on your cancellation rights outside the statutory 14-day 'cooling off' period, please check the general conditions section of your travel insurance policy booklet.

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15. I am a Norwich Union Travel Service member - why has part of the Travel Services information been removed from your website?

    Don't worry - we are just reviewing this service and will update the site soon. For all new bookings and enquiries, simply call the Norwich Union Travel Service on 0845 600 8414 (calls my be recorded and/or monitored).

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16. What do I do if I'm more than 69 years old?

    We are only able to provide cover for travellers aged 69 years and under. However, our business partner All Clear Travel Insurance Services are able to provide cover for travellers aged 70 years and over. Click All Clear for more information or a quote.

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We've covered a lot of ground here…

… but if we haven't been able to answer your question here, simply call our friendly travel insurance experts on 0800 051 3606 - we'll be glad to help! (for our joint protection, calls may be recorded and/or monitored).

NFPHG5413 21102009