Annual travel insurance

You can find the answers relating to our most frequently asked Annual travel insurance questions below. 

Gap year FAQs are located further down the page.

Questions about quotes and renewals

If you started a quote online and saved it, you can retrieve it here. If you didn’t save it, you can start a new quote here.

At least 21 days before your policy expires, you will receive an email detailing your cover and premium for the following year. If your cover requirements or other details have changed during the past year (e.g. your medical information has changed) you must advise us before completing the renewal.

No problem – if you have internet access you can complete the process while you’re away, or alternatively change the renewal date before you travel. Please do ensure the correct cover is in place before you travel.

Please call  0330 660 0751 to speak to one of our team. You can cancel your policy within 14 days of purchase, although we reserve the right to recover costs if you have travelled or made a claim within these 14 days.

Questions about your cover

Yes, if you have a Hiscox Home Contents Insurance policy, you do not need to select baggage cover with your travel insurance as you are already covered to the limits shown in your policy wording.

Yes. Under our family policies we cover children who are 23 or under and still in full time education. If your children are included on your travel policy, then they can travel independently from the main policy holder. They are covered up to the same limits as the main policy holder for all covers except cash, personal accident and collision damage excess waiver. See the policy wording for full details.

We automatically cover a number of pre-existing medical conditions. If you have other medical conditions our experienced medical team can discuss your circumstances with you in confidence to ensure you have the cover you need. We strive to accommodate most requirements and where we cannot provide cover for you, our specialist partner, Millstream Underwriting, may be able to find another solution for you.

We strongly recommend that you do not travel abroad without full emergency medical cover. If in any doubt please contact us on 0330 660 0751.

We cover a wide range of activities as standard and can cater for those who enjoy more adventurous holidays. Check our Sports and activity chart to determine which activities are included as standard (Levels 1 & 2) and those for which additional premium will be charged (Levels 3 & 4). You can add the wider cover when finalising your quotation or renewal.

Call us on 0330 660 0751 if you require cover for a sport or activity that is not listed and we will do our best to help.

You can extend the policy to cover you while travelling on business trips. We will include loss of or damage to business samples or documents, portable equipment such as a laptop or projector and any conference fees that you lose and cannot recover following an accident, sickness, delay or cancellation. What’s more if you miss a pre-arranged meeting as a result of illness while travelling, we can fly one of your colleagues from the UK to attend in your place.

Cancellation cover starts at the time of booking a trip and ends when you leave your home to commence the trip.

All other covers start when you leave your home to commence your trip and last for its duration, until you return home.

Our financial failure cover protects you against financial loss if you have booked a holiday that’s not part of a package deal and the provider goes bankrupt.

While travellers on package holidays are protected in the eventuality or an airline or travel provider going bankrupt, as it is the tour operator’s responsibility to provide a solution, travellers who have booked their own flights and accommodation separately may not be.

Financial failure cover means you won’t be left stranded in foreign countries, or having to foot the bill for a holiday you didn’t have.

Questions about policy terms

You can choose if your annual travel policy covers a single trip of up 31 or 62 days. There is no limit to the total number of trips that can be taken.

We automatically cover adults aged between 16 and 69 years. Younger children will be covered as part of a family group.

Call us on 0330 660 0751 if you need to discuss wider cover.

You are covered for a range of events leading to disruption or cancellation of your plans including natural events such as volcanic eruptions/ash, strike action, motorway and other transport accidents. Variously the policy will provide for flight cancellations, denied boarding, delayed or missed connections and extra transport or accommodation costs.

While we can’t cater for every scenario, we will certainly try our best. Please call us on 0330 660 0751 to discuss your needs.

New for old is where we pay a cash settlement if your luggage is lost or damaged, without any reductions in the value for wear and tear to the original item.

While we pay VAT on regular goods, Insurance Premium Tax (IPT) is payable on general insurance premiums. The current rate of IPT is 20%.

This is the amount you have to pay towards each agreed claim.

No, we have a standard excess of £100 on our travel insurance policies which applies to all sections apart from travel delay, personal accident, legal expenses and additional hospital benefit, where there is no excess. The excess is applied per person per incident and capped at a maximum of two excesses on each section.

Questions about emergencies and ‘Stranded Passenger’

Intana provides emergency medical assistance to our policyholders while travelling aboard. You can contact them 24 hours a day, seven days a week, on +44 (0) 20 7 902 7990 in a medical emergency or if you need to cut a trip short.

Millstream Underwriting are the industry specialists we partner with to provide you with seamless cover and service.

We recommend that you visit the Foreign and Commonwealth Office website (external link) to check their guidance on travel. The website also gives you details of their consulates and other support whilst abroad.

We understand that a delay to your flight can be a frustrating experience. That’s why we have included the Stranded Passenger service which gives you access to a global network of more than 800 airport lounges around the world.

Once you have registered your flight and passenger details, we will monitor the international departure boards. If your flight is delayed for more than 2 hours we send an access code to your phone allowing you and your registered travellers access to the executive lounge.

This service doesn’t impact any claim that you may subsequently submit under the insurance policy for disrupted or cancelled travel.

Questions about making a claim

How do I make a claim?

If you need to make a claim our experts are here to help. Full claims details can be found within our Make a claim section.

Any other questions?

Please call us on 0330 660 0751 (Monday to Friday, 9am to 5pm, Saturdays 10am to 4pm, excluding UK bank holiday) or email us at [email protected]

For questions regarding our 360 Assistance service, please call 0207 736 1595

 

Gap year travel insurance

You can find the answers relating to our most frequently asked Gap year insurance questions below. 

Questions about getting a quote and amending a quote

If you started a quote online and saved it, you can retrieve it here. If you didn’t save it, you can start a new quote here.

Please call  0330 660 0751 to speak to one of our team. You can cancel your policy within 14 days of purchase, although we reserve the right to recover costs if you have travelled or made a claim within these 14 days.

Questions about your cover

We automatically cover a number of pre-existing medical conditions. If you have other medical conditions our experienced medical team can discuss your circumstances with you in confidence to ensure you have the cover you need. We strive to accommodate most requirements and where we cannot provide cover for you, our specialist partner, Millstream Underwriting, may be able to find another solution for you.

We strongly recommend that you do not travel abroad without full emergency medical cover. If in any doubt please contact us on 0330 660 0751.

Our Gap Year Travel policies cover single trips for up to 365 days.

We cover a wide range of activities as standard and can cater for those who enjoy more adventurous holidays. Check our Sports and activity chart to determine which activities are included as standard (Levels 1 & 2) and those for which additional premium will be charged (Levels 3 & 4). You can add the wider cover when finalising your quotation or renewal.

Call us on 0330 660 0751 if you require cover for a sport or activity that is not listed and we will do our best to help.

You are covered for a range of events leading to disruption or cancellation of your plans including natural events such as volcanic eruptions/ash, strike action, motorway and other transport accidents.  Variously the policy will provide for flight cancellations, denied boarding, delayed or missed connections and extra transport or accommodation costs.

Regrettably incidents have occurred where airlines and travel providers have gone bankrupt, leaving travellers stranded in foreign countries or having to foot the bill for a holiday they didn’t have.

Travellers on package holidays are protected in this eventuality as it is the tour operator’s responsibility to provide a solution.  Travellers who have booked their own flights and accommodation separately may not be. Our financial failure cover protects you against financial loss if you have booked a holiday that is not part of a package deal and the provider goes bankrupt.

Questions about policy terms

We automatically cover adults aged between 16 and 59 years. Younger children will be covered as part of a family group.

Call us on 0330 660 0751 if you need to discuss wider cover.

While we can’t cater for every scenario, we will certainly try our best. Please call us on 0330 660 0751 to discuss your needs.

New for old is where we pay a cash settlement if your luggage is lost or damaged, without any reductions in the value for wear and tear to the original item.

Cancellation cover starts at the time of booking a trip and ends when you leave your home to commence the trip.

All other covers start when you leave your home to commence your trip and last for its duration, until you return home.

Whilst we pay VAT on regular goods, Insurance Premium Tax (IPT) is payable on general insurance premiums.  The current rate of IPT is 20%.

The amount you have to pay towards each agreed claim.

No. We have a standard excess of £100 on our travel insurance policies which applies to all sections apart from travel delay, personal accident, legal expenses and additional hospital benefit, where there is no excess.  The excess is applied per person per incident and capped at a maximum of two excesses on each section.

Millstream Underwriting are the industry specialists we partner with to provide you with seamless cover and service.

Questions about emergencies and ‘Stranded Passenger’

Intana provides emergency medical assistance to our policyholders while travelling aboard. You can contact them 24-hours a day on +44 (0) 207 902 7990 in a medical emergency or if you need to cut a trip short.

We recommend that you visit the Foreign and Commonwealth Office website (external link) to check their guidance on travel. The website also gives you details of their consulates and other support whilst abroad.

We understand that a delay to your flight can be a frustrating experience. That’s why we have included the Stranded Passenger service which gives you access to a global network of more than 800 airport lounges around the world.

Once you have registered your flight and passenger details, we will monitor the international departure boards. If your flight is delayed for more than 2 hours we send an access code to your phone allowing you and your registered travellers access to the executive lounge.

This service doesn’t impact any claim that you may subsequently submit under the insurance policy for disrupted or cancelled travel.

Questions about making a claim

How do I make a claim?

If you need to make a claim our experts are here to help. Full claims details can be found within our Make a claim section.

Any other questions?

Please call us on 0330 660 0751 (Monday to Friday, 9am to 5pm, Saturdays 10am to 4pm, excluding UK bank holiday) or email us at [email protected]

For questions regarding our 360 Assistance service, please call 0207 736 1595