On this page we answer the questions customers most frequently ask us about travel insurance. Click on any of the questions to go straight to the relevant answer. If you don't find the answer to your question here please contact us, we'll be happy to answer it in person.

The rules governing the answers to the questions below vary from insurer to insurer but the answers have been compiled by reference to the general approach of most. The answers given are a general guide only. You should always read your policy and, if you have any doubt at all, check with us.

Do I Have To Buy My Travel Insurance Through A Travel Agent?

No, unless it forms part of a special deal. You may be surprised at how much you can save by shopping around.

What Discounts Are Available When Buying Travel Insurance?

A no claims bonus is not normally available for travel insurance but if you are a frequent traveller an annual policy will undoubtedly be a good buy. Also, if you have all risks insurance under your household policy and you do not exceed the sums insured (see House insurance FAQs) your baggage will be covered and you may get a discount of around 15% for deleting it from your travel insurance. There are also special policies for families and large groups of travellers. Ask us for details. 

I Had A Go At Bungee Jumping On My Holiday - Was I Covered under My Travel Insurance?

Unlikely. Many of us do things on holiday that involve a small element of risk such as jet skiing, bungee jumping etc. It might seem like a good idea at the time but the odds are that hazardous pastimes are excluded from your cover. Once again, always read your policy and, if in doubt, ask ! However, if you are the adventurous type all is not lost as some insurers offer specialist policies for hazardous sports. Specialist policies will cover you for winter sports such as snowboarding and skiing but the premiums charged are usually higher.

My Son Is Taking A Year Out From University And Will Be Backpacking Around The World - Can I Get Some Cover?

Yes. A few insurers offer specialist policies for backpacking often for long periods, some will even extend cover to include working abroad.

I Don't Need Travel Insurance, I've Got An EHIC.

Yes, but don't rely solely upon that. The EHIC provides reciprocal treatment within participating EU countries but, unlike a travel insurance policy, it will not cover any costs of repatriating you to the UK, provide you with any hospitalisation benefits or refund you your out of pocket expenses.

I'll Arrange My Insurance Just Before I Leave For My Holiday.

The earlier you arrange cover the better. Most policies cover cancellation or curtailment of holidays and this can sometimes happen many weeks before departure. Cover for this starts as soon as the policy is issued and will not cost you any more.

I Have A Medical Condition; Can I Still Have Travel Insurance?

It depends on the nature of your illness but in most cases, provided you are not travelling against the advice of a doctor, cover can be arranged.