Claims Information - Flexicover Travel Insurance

If you are unfortunate enough to need to make a claim on your policy, the Claims Team will make sure that your claim is dealt with efficiently and fairly, based upon the terms and conditions set out in your Policy Wording

Below we’ve pulled together some information to help you through each stage of your claim, to make it as easy for you as possible.

If you purchased your policy prior to the 4th February 2022 please refer to your policy wording document for the process you need to follow when making a claim.

If you purchased your policy after the 4th February 2022, the below applies to your policy:

The easiest way to make a claim is on our secure website. This gives you time to gather all the documents you need, submit them online and means no waiting for the post. You can kickstart your claim here

Our online claims portal is available 24/7, with an immediate decision available for certain claims.

When making a claim for anything other than emergency medical expenses or curtailment, please see below:

Check the relevant policy section in your policy wording document to see if you are covered. If it appears there is no cover available then you can of course discuss this with the team, who may be able to support you with alternative organisations that you can approach to cover your loss. For example: airlines, tour operators and some all-risk household policies.
Check which documentation is required to make a claim (for example: receipts, crime reports, cancellation invoices)
Submit your claim within 60 days of returning home. There may be some circumstances where you may need to claim whilst still abroad or travelling, but you must still follow the claim requirements.
Keep copies of all submitted information and supporting documentation after sending these in to us. Any original documentation may be requested by the claims team when assessing your claim.
Keep any damaged items that are the subject of a claim. We may require damaged or destroyed items to assess as part of your claim.

Make sure that you take details of your travel insurance policy whilst on your trip – especially details on what to do in the event of a medical emergency.
For all claims, we’ll need your booking invoice which confirms your booking and travel dates.
If you’re making a cancellation or curtailment claim, we’ll also need your cancellation invoice.
Always get written confirmation, including the reason for all travel delay or cancellation claims from the airline, ferry, railway or coach operator.
If any of your belongings are lost or damaged, please report it to the police, tour rep, hotelier or another independent party of the incident and get a written crime or incident report.
Keep all receipts, accounts and documentary evidence as you will need this to make a claim.
Don’t discuss, agree or pay any potential claim against you for personal liability, as this could mean we do not pay this cost. Just obtain any witness statements/evidence/receipts/valuations/repair reports that you may need and send them to us for assessment.
Written notice of any claim should be submitted to us as soon as possible and within 60 days of the incident

If you purchased your policy prior to the 4th February 2022 please refer to your policy wording document for the process you need to follow when making a claim.

First things first – to start your claim, you will need to send us a fully completed claim form. You can download the relevant forms by clicking below.