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

Does cheap travel insurance mean you’ll get less cover?
Not necessarily – but you can be sure when you buy your travel insurance through Endsleigh or Essential Travel you'll get a great deal !
Would you be better off getting annual travel insurance?
If you do a lot of travelling and envisage taking several trips in the next 12 months, it’s well worth considering annual travel insurance.
What should you do if you want to complain about your travel insurance?
Firstly, write to your insurance company and if you are still not satisfied contact the financial ombudsman.
What should be covered on a standard travel insurance policy?
Most standard insurance policies provide more than sufficient cover. However, it’s well worth noting the key cover features that should be included in your travel policy. These are as follows:
What does the term excess waiver mean?
When you get a quote for your travel insurance you may find that the policy is subject to an excess waiver. This means that you will be responsible for paying the first part of a 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.
• 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.