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FAQ Home | General Questions | Critical Illness Insurance | Life Insurance | Home and Contents Hot Topics
Are there any reasons why I may be unable to claim?All claims should be honoured by your Travel Insurance Company providing you have supplied correct information and acted responsibly with your personal belongings. If this is not the case, your policy will be void and you will be unable to claim!Actually, the majority of claims that are turned down is due to the fact that many people don’t read their policy documents and are unaware of the exclusions and restrictions. It’s only when they come to claim that they discover they aren’t covered for certain events, such as an illness relating to a pre-existing medical condition or an accident caused by doing a hazardous activity. In the first place, it’s absolutely essential to be honest about past or current medical conditions and other relevant details that may have a bearing on the validity of your cover. Secondly, it’s important to check your policy documents thoroughly. If you are not sure about any aspect of your cover, ask your travel insurer before you go. Even if you are covered, you must follow the safety precautions stipulated by your insurer. For instance, if you are irresponsible with your property and it is lost or stolen, then you will jeopardise your claim. Furthermore, most insurance companies will expect you to substantiate your claim with police reports, receipts and tickets etc. The list below summarises some other reasons why you may not be able to claim: • If you knew in advance that your trip might be terminated for any reason.
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