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!

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Hot Topics

Do you need travel insurance if you are travelling in the UK?: If you are going anywhere in the UK, essentially the only travel insurance that you need is a simple cancellation policy. This means that in the event of any transport or accommodation being cancelled, the policy will cover your costs.
Is it possible to get cheaper travel insurance for a couple?: Yes, if you and your partner are travelling together, you stand to save even more money with a joint travel insurance policy.
Does extreme sports insurance cover you for all hazardous activities?: You are in dangerous territory here. What kind of pursuits you can and can’t get up to will very much depend on your travel insurer’s particular extreme sports cover. If in doubt, look at your policy before you leap!
Will you able to claim in the event of a terrorist attack?: Unfortunately, travel insurance companies rarely cover acts of terrorism.
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.

Do you need travel insurance if you are travelling in the UK?