Help

Yes, provided you buy the policy before starting your trip and your trip commences and ends in your home country, you will be covered as soon as you complete the transaction. A copy of your validation certificate will be sent to you with links to the policy wording and policy summary in order for you to print them at your own convenience. We would recommend that you enter your certificate number, emergency telephone number and correct product code into your mobile phone.

Payment can be made by debit or credit card. Payment online is via a secure server which uses advanced encryption technology to ensure your details are safe during transmission.

The policy excess is the amount that is payable by you, under certain sections of the policy, for each and every claim that you submit. The policy excess is per insured person, each and every incident, each and every section of cover where applicable.

The cooling off period is the length of time you have after the purchase of your policy for it to be cancelled should it not meet your needs. Our policies offer a 14 day cooling off period, if you cancel during this time you will receive a full refund of premium. The Cooling Off Period does not apply if you are due to complete your journey within 1 month of purchasing the policy.

Yes, all policy benefits are per person with the exception of Personal Liability & Legal Protection sections which apply per policy.

Insurance Premium Tax (or IPT as it is often known) at 17.5%, is a tax on general insurance premiums.

Our policy premiums are inclusive of the applicable rate of Insurance Premium Tax, except for residents of the Channel Islands and the Isle of Man where IPT does not apply.

Our policies now include Scheduled Airline Failure Insurance(SAFI) cover under section 7 of our policy wordings. This cover provides financial protection in the event of insolvency of a scheduled airline.

Our policy premiums are based at the age of all insureds at the date of policy purchase.

Yes, policies can be purchased for one way trips with cover ceasing 12 hours after the time you first leave the immigration control of your final destination country.

We utilise the strongest available security systems to protect any financial transactions carried out on our website. Information such as credit card details are automatically protected using a Secure Socket Layer (SSL) between your computer and ours. SSL prevents impersonation. Click on the padlock symbol at the bottom of the screen to reveal our registration certificate issued by Thawte, a leading internet security company. SSL also encrypts data from the time it leaves your computer, until it reaches us, so there is almost no chance of your details being stolen or hijacked as it travels over the internet.

Our policies offer a 14 day cooling off period, if you cancel during this time you will receive a full refund of premium. The Cooling Off Period does not apply if you are due to complete your journey within 1 month of purchasing the policy. Cancellation requests outside of the Cooling Off Period can be considered under exceptional circumstances.

For details of our policy wording, please click here.

Purchasing our policies online could not be easier, simply choose the option to obtain a quotation and then follow the on-screen instructions.

If you have already made your travel plans we would recommend that your annual policy commences with immediate effect in order for you to start benefiting from Cancellation cover. If you are still planning your trip, our annual policies can be purchased up to 3 months in advance, cancellation cover will provided from the specified commencement date.

For persons between 18-65 years, our maximum trip limit is 18 months under our Long Stay option.