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!

For Single Trip Travel Insurance

For Multi Trip Travel Insurance

Hot Topics

Can you be refused Travel Insurance?
Insurance is all about risk. The greater the risk of an illness, accident, loss or another event occurring, the higher the premium you will be expected to pay for cover. If the Insurance Company decides that the chances of an incident occurring are extremely high, it is not obliged to insure you.
Will you able to claim in the event of a terrorist attack?
Unfortunately, travel insurance companies rarely cover acts of terrorism.
How much discount can you get on group travel insurance?
Different companies offer different discounts for group travel insurance, but getting one policy for all usually works out much cheaper than individual cover!
What insurance cover do you need to drive abroad?
If you are driving your own car or hiring a car whilst you are abroad you need to have appropriate car insurance in addition to travel insurance.
Is there such a thing as golf travel insurance?
Yes, you can get specialist golf travel insurance which is good news for enthusiasts who will know only too well the difficulty of finding suitable cover for golfing holidays.
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.
• If you stated that your insurance was for a personal trip when it was business trip.
• If you are claiming for an injury that was self-inflicted.
• If you are claiming for an illness that results from aids, alcohol or drug abuse.