You can find the answers to our most frequently asked questions below. These answers relate to Hiscox Gap Year Travel Insurance.
Questions about getting a quote and amending a quote
I have already got a quote online – how do I retrieve it?
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.
What if I want to cancel / amend my policy?
If you need to cancel or amend your policy call us on 0330 660 0751 to speak to one of our team or email us on firstname.lastname@example.org. You can cancel your policy within 14 days of purchase. If you have travelled or made a claim within these 14 days we are entitled to recover costs for services used.
Questions about your cover
I have pre-existing medical conditions – will you cover me?
We can cover a wide range of pre-existing medical conditions under our travel insurance product. Customers with pre-existing medical conditions can call us and speak directly to one of our experienced nurses who will complete a medical screening to determine the correct level of cover for your needs. If we cannot provide cover for you on our core Hiscox scheme then our partner Millstream Underwriting may be able to find an individual solution for you. For more information, contact us on 0330 660 0751.
We strongly recommend that you do not travel abroad without full emergency medical cover.
Is there a limit to the number of days that I can travel for or the length a trip can be?
Our Gap Year Travel policies are single trip policies. You can select the number of days you need cover for when you purchase, up to a maximum of 365 days.
What are the age limits on the policy?
We have a maximum age limit of 59 and minimum age limit of 16 on our standard Gap Year Travel product, however our partner Millstream Underwriting can offer you cover if you are over 59 or under 16. For more information in either circumstance, please call our call centre on 0330 660 0751. Children under 16 can be covered under a family or single parent family policy.
What happens if my travel is disrupted for example by volcanic ash?
If your travel is disrupted, as happened when the Grímsvotn volcano erupted in Iceland leading to an ash cloud that grounded flights, a Hiscox travel insurance policy will cover non-package flight cancellations, denied boarding and delayed or missed connections. Cover is also provided for extra transport and accommodation costs.
What activities am I covered for and what do I need the other activity extension for?
Hiscox Gap Year Travel Insurance covers a wide range of activities as standard, however those who intend to undertake more adventurous activities whilst travelling will need to add our extended activity cover to their policy. Click here to see which activities are included as standard and which require extra cover.
What if I want insurance to cover activities outside those covered on the other activities list?
Although we are not able to cover activities that do not appear on the activity list as part of this policy, we may be able to provide an individual solution to suit your needs. For more information about how we can meet your requirements, contact us on 0330 660 0751.
What if I have special travel requirements that do not fit within your standard policy?
We cannot cater for those with complex medical requirements, who want to do extreme sports on holiday, or those who are over 59 with our standard product, however, our partner Millstream Underwriting will endeavour to find you an individual holiday insurance solution if we cannot meet your needs. For more information, please contact us on 0330 660 0751.
Questions about your policy
What is new for old?
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.
When does the policy and cover start?
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 or until your policy expires.
What is financial failure protection cover?
There have recently been several high profile incidents where airlines and travel providers have gone bankrupt, leaving travellers stranded in foreign countries, or having to foot the bill for a holiday they never went on. Travellers on package holidays are protected in this eventuality as it is the tour operator’s responsibility to provide a solution, whereas travellers who have booked their flights and accommodation separately may not be. 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.
What is Insurance Premium Tax?
Insurance Premium Tax is an additional tax on general insurance premiums. While you pay VAT on regular goods, Insurance Premium Tax is paid on insurance. The premium quote you receive includes Insurance Premium Tax at a 20% rate (this increased from 17.5% in January 2011).
What is an excess?
The amount you have to pay towards each agreed claim.
Can I change the excess on my policy?
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, financial failure protection, political unrest and natural catastrophe evacuation, and additional hospital benefit. These areas are exempt from any excess.
When should I contact Specialty Assist?
Specialty Assist provides emergency medical assistance to our policy holders whilst travelling aboard. You should contact them in a medical emergency, or if you need to curtail your trip.
Who is Millstream Underwriting and why are they underwriting the Hiscox Travel Insurance products?
Hiscox has partnered with Millstream Underwriting to provide Hiscox Travel Insurance. Millstream has extensive knowledge and expertise in this market and brings considerable experience to the Hiscox products.
Who is Objective Travel Safety and how do I claim my discount?
Objective Travel Safety provides travel advice and courses to individuals travelling abroad both for work and for leisure. They provide advice on how to stay safe whilst travelling and how to deal with a variety of scenarios that a traveller might find themselves in. Hiscox Gap Year Travel policy holders are entitled to 10% off a one day Gap Year course with Objective Travel Safety. To find out more and book a place on a course visit www.objectivegapsafety.com.
Travel advice – where can I get it?
Whilst travelling, if you need advice, there are a number of places you can go. You can call the Medical Emergency Assistance Service on +44 (0)20 7902 7990 if you need emergency medical assistance, Red 24 on +44 (0)20 3291 2424 if you need security advice or emergency support, or visit the Foreign and Commonwealth Office website. All contact details for UK embassies are on the Foreign and Commonwealth Office website. Alternatively, Hiscox Travel Insurance policy holders can use Enjoy. Enjoy is a travel concierge service included with our travel insurance policies. You can use Enjoy for advice and help with a range of tasks including planning your holidays, booking events and restaurants whilst travelling, and for other non emergency advice and information. For more information about Enjoy, see the policy wording.
Any other questions?
You can email us at email@example.com or call us on 0330 660 0751.