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FAQs

 

1. Is there cover for pregnancy on this policy?

2. What is meant by the term policy Excess?

3. Disclosure of pre-existing medical conditions

4. How do I make a claim?

5. What are the Terms and Conditions?

6. What are my cancellation rights?

7. What Winter Sports are covered on this scheme?

8. What do I do if I need medical assistance when travelling?

9. How often can I travel on an Annual Multi Trip policy?

10. How is my policy delivered?

11. Do you offer cover for over 65s?

12. Do you cover non-UK residents?

13. Can I go scuba diving when travelling?

14. Can I buy insurance for someone under the age of 18 if they are travelling without their family?

15. What products do you offer?

16. What happens if my bag is stolen with all my travel documents and money whilst I am travelling?

17. Is there cover for glasses on this scheme?

18. When do I need to purchase my travel insurance?

19. What do I need to take on holiday with me?

20. Are my golf clubs covered?

21. Is there cover for cancellation on this scheme?

22. What is meant by the term 'Excess Waiver'?

23. What is an EHIC (formally E111)?

24. What vaccinations do I need?

25. Can I change my policy?

26. Activity Pack 1 - Covered as standard

27. Activity Pack 2 - Additional Premium required

28. Activity Pack 3 Cover is provided for the winter sports detailed below when the winter sports policy option has been chosen.

29. Activity Pack 4 - Additional Premium required

30. Activity Pack 5 - Additional Premium required

31. Activity Pack 6 - Additional Premium required

32. Activity Pack 7 - Additional Premium required

33. Activity Pack 8 - Additional Premium required

34. What does "No cover will apply in respect of Personal Accident and Personal Liability" mean?

 
 

1. Is there cover for pregnancy on this policy?
Yes, up to 36 weeks and 6days (32 weeks and 6 days for multiple pregnancy) at date of trip return - provided no complications.
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2.What is a policy Excess?
Most sections of the policy carry an Excess. This is the first amount of any claim that you will have to pay. The Excess is applicable per person per section. The Excess will be reduced to NIL if you have used an EHIC (Formally E111).
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3. Does this policy cover any Pre-existing Medical Condition?

Your policy may not cover claims arising from your pre-existing medical conditions so you need tell us of anything you know that is likely to affect our acceptance of your cover. If you have answered yes to any of the questions asked in the disclosure of pre-existing medical conditions, you must tell us, we may be able to offer some cover and maybe able to cover your medical condition, although an increased premium maybe required. To enable us to consider your medical condition please contact our screening helpline on 0843 658 0349.

Note: If you only have 1 medical condition and it falls within the accepted conditions listed below those questions, cover for that condition is provided as standard and you do not have to contact us.
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4. How do I make a claim?
We have appointed Travel Claims Facilities to look after your claim. If you require a claim form please obtain a form from the internet at:www.travel-claims.net

Alternatively please advise the section of the insurance on which you want to claim and scheme reference to: PO Box 420, Tonbridge, Kent, TN9 9DE Telephone: 0845 370 7133 Fax: 0870 620 5001

All Travel & Legal claims must be submitted on a claim form, within 28 days of Your return, accompanied by original invoices, receipts, reports, etc. Scheduled Airline Failure claims must be submitted with 14 days. Please remember that it is always advisable to retain copies of all documents when submitting Your claim.

Scheduled Airline Failure claims should be advised within 14 days to:IPP Claims Office PP House, 22-26 Station Road West Wickham, Kent BR4 0PR Telephone: +44(0)2087763752 Facsimile: +44(0)2087763751 Website: www.travel-claims.net Email: info@ipplondon.co.uk
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5.What are the Terms and Conditions?
Terms and Conditions are another expression for the Policy Wording. You need to read the Policy Wording carefully because it sets out the cover that you have purchased and also the conditions that you need to meet in order to make a claim.
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6. What are my cancellation rights?
You have 14 days from receiving the policy wording to read it and see that it gives you the cover you require. During this time you can cancel the policy and receive a refund of your premium provided you have not already made a claim, that there is not an impending claim and that you have not already started your holiday or journey. If the request to cancel is received outside of the 14 days cooling off period, please call the Travel Helpline number with the reasons for cancellation.
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7. What is covered with Winter Sports on this scheme?
Provided you have paid the Winter Sports upgrade, you are covered for: winter sports equipment, delayed ski equipment, loss of ski pass, ski lift pass,ski school fees, piste closure and avalanche closure on the summary of cover.
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8. What do I do if I need medical assistance when travelling?
Please notify Global Response 24hour Emergency immediately about any serious illness or accident abroad where you have to go into hospital or you may have to return home early or extend your stay (You should first check that the circumstances are covered by Your policy). Please contact Global Response 24hour Emergency on the number shown below, giving Your name and Certificate number, please also provide a telephone, fax or telex number where Global Response 24hour Emergency can contact You or leave messages at any time of the day or night.

To comply with the terms and conditions of the insurance You MUST contact Global Response 24hour Emergency as soon as possible. You MUST obtain Global Response 24hour Emergency's authorisation before incurring any expenses over £500. If you have treatment as an outpatient you must get a medical certificate showing the nature of the injury/illness and keep any original bills, which you have paid. You can submit a claim for these expenses on your return to the UK (please refer to Q4 "How do I make a claim?").

For assistance outside U.K. dial: +44 (0) 845 230 7154
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9. How often can I travel on an Annual Multi Trip policy?
The policy lasts for the complete 12 months, and you can take as many trips/holidays as you wish during the year. Your annual multi-trip will only cover persons aged 79 or under travelling on trips of 60 days or less, where you hold a return ticket within that period of travel. Cover can be extended to 90 days per trip where this option is chosen and the additional premium is paid. Cover is provided for trips within your home country of 3 days or more, up to the maxiumum permitted trip duration.
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10. How is my policy delivered?
Your policy can be emailed directly to your email address shortly after being issued, please note that some internet providers filter our automated e-mails as SPAM so please check your SPAM/junk folder if the e-mail has not been received. If after checking these folders your certificate is still not received, please call the Travel Helpline.
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11. Do you offer cover for over 65s?
Yes, the maximum age for Single Trip is 84 and Annual Multi-trip policies is 79. Persons over 79, meaning having reached their 80th birthday at the date of purchase, are not eligible for cover under this policy.
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12. Do you cover non-UK residents?
No, you must be a resident of the United Kingdom or the Channel Islands.
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13. Can I go scuba diving when travelling?
Scuba diving to a depth of 40 metres if you hold a certificate of proficiency or are diving with a qualified instructor.
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14. Can I buy insurance for someone under the age of 18 if they are travelling without their family?
Yes, but they must pay the adult premium if they are travelling without their family or if they are travelling with another family. You will need to contact us on the Travel Helpline number.
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15. What products do you offer?
Single Trip policies
Annual Multi Trip policies with maximum trip duration of 60 days
Annual Multi Trip policies with maximum trip duration of 90 days
For Individuals, Couples and Families (including Single Parent Family)
Including optional covers for Winter Sports, Gadget cover, Cruise cover.
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16. What happens if my bag is stolen with all my travel documents and money whilst I am travelling?
You must report theft or losses to the police or relevant authority within 24 hours of the event and obtain a written report. These reports are the only proof that the loss/theft did actually occur. Without them URV cannot make any payment to you. If you leave luggage and personal items unattended in a public place then URV cannot be held responsible for any resultant claim. You should always take reasonable care to look after your property and treat it as if it were not insured. There is no cover for cash or valuables left in an unattended vehicle at any time, even if the vehicle is locked.
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17. Is there cover for glasses on this scheme?
Yes, there is cover for glasses on our policies, they are included as valuables. However, the maximum amount that will be paid for sunglasses or prescription glasses of any kind is no more than £100.
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18. When do I need to purchase my travel insurance?
At the time of booking your travel arrangements to make sure that you have cancellation cover in place for that particular trip.
If your travel arrangements change then you must call the Travel Helpline. You must be able to provide the correct Period of Insurance on your documentation in the event of a claim.
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19. What do I need to take on holiday with me?
Please ensure that you take a copy of your certificate of insurance and a copy of the full policy wording - these documents contain important numbers that you may require whilst travelling.
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20. Are my golf clubs covered?
Yes, your golf clubs are automatically included on to this policy up to £1,000 for your golf equipment, hired golf equipment £30 per 24hrs up to £1,000, loss of pre booked green fees £75 per 24hrs up to £75 per 24hrs up to £250 and hole in one £100 .
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21. Is there cover for cancellation on this scheme?
Yes, 'Cancellation' means that you will not have started your trip. You may be able to claim on your insurance (subject to the policy terms and conditions) for any travel or accomodation costs that you have either already paid or contracted to pay, that you can not get back from the tour operator etc. However, the reason for the cancellation has to be one of those listed under the cancellation section of the policy. Please ensure that you have enough Cancellation cover to protect the cost of your holiday.
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22. What is an EHIC (formally E111)?
If you intend travelling to European Union (EU) countries, the European Economic Area (EEA) or Switzerland. We would advise you to obtain a Form CM1 from your local main Post Office. On returning this, duly completed, to the main Post Office you will be issued with a European Health Insurance Card (EHIC), which will entitle you to certain free or reduced cost health arrangements in the EU, EEA or Switzerland. (Full details are given in the DSS Leaflet No. SA40).
NB: In the event that you have used the EHIC to effectively reduce the cost or your treatment or medicines; then you will not have to pay an Excess in relation to any medical related claims.
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23. What vaccinations do I need?
You should check with your doctor as soon as possible, your doctor will be best advised to tell you what vaccinations are required, if any.
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24. Can I change my policy?
Changes can be made at any time, as long as there are no known claims on the policy. If you wish to add any optional extra's to your policy this can be done at any time too. Please contact the Travel Helpline.
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25. Activity Pack 1 - Covered as standard.
Abseiling
Aerobics
Amateur Athletic Field/track Events
Angling
Animal Sanctuary/Refuge Work
Archery
Athletics
Badminton
Bamboo Rafting
Banana Boating
Bar Work
Baseball
Basketball
Beach Games
Biathlon
Biliards
Bird Watching
Boady Boarding
Bowling
Bowls
Boxing Training
Bridge Swinging
Bungee Jumping
Camel/Elephant/Gorilla Riding/Trekking(UK Booked)
Camping
Caravanning
Catamaran Sailing (inland and coastal waters)
Chess
Clay Pigeon Shooting
Cricket
Croquet
Curling
Cycle Touring
Cycling
Dancing
Darts
Deep sea fishing
Fell Running
Fell Walking
Fencing
Fishing
Fives
Flag Football
Flying as passenger (private/small aircraft)
Football
Football - Beach Kick Around
Fresh water/Sea Fishing
Frisbee
Fruit or Vegetable Picking
Glass Bottom Boats
Gliding (learning non competition)
Golf
Gymnastics
Highland Games
Hiking/Trekking/Walking/Rambling under 2000m
Historical Research
Horse Riding (no eventing)
Hot Air Ballooning
Indoor Skating
Jet Boating
Jet Skiing
Jet Skiing (non incidental)
Jogging
Keepfit
Kiting
Korfball
Low Ropes
Manual Labour
Marathons
Model Flying
Motorcycling with appropriate UK licence
Moutain Biking (not downhill)
Netball
Orienteering
Petanque
Pigeon racing
Pony Trekking
Pool
Power Lifting
Quoits
Rackets
Rafting (not white water)
Rap Running/Jumping
Raquet Ball
Re-Enactment
Restaurant Work
Rifle Range
Ringos
River Canoeing/Kayaking(grade 1 to 3)
River Walking
Rock Scrambling(under 4,000m)
Rounders
Rowing
Running-Sprint/Long Distance
Safari (UK Organised)
Safari Trekking
Sail Boarding
Scuba Diving to 30m
Sea Fishing
Shinty
Shooting (target range-not hunting)
Small Bore Target Shooting
Snooker
Snorkelling
Softball
Squash (amateur)
Surfing (amateur)
Swim Trekking
Swimming
Swimming with Dolphins
Sydney Harbour Bridge
Tabel Tennis
Team Games
Ten Pin Bowling
Tennis
Triathlon
Tubing
Tug of War
Volleyball
Water Skiing (amateur)
Weight Lifting
Whale Watching
White Water Rafting (grade 1 to 3)
Windsurfing
Working
Yachting/Sailing (inland and coastal waters)
Yoga
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26. Activity Pack 2 - Additional Premium required.
Adventure Racing (up to 6 hours)
Airsoft
Dragon Boat Racing
Dry Slope Skiing
Elephant Trekking (non-UK booked)
Falconry
Gaelic Football
Gliding (non competition)
Gorge Walking (no ropes)
Handball
High Diving
Hobie Catting (inland and coastal waters)
Hockey
Indoor Climbing (on climbing wall)
Iron Man
Judo
Karate
Karting
Kendo
Lacrosse
Land Yachting
Paint Balling
Parasailing (over water) incidental
Parascending (over water)
Parascending (over water, non incidental)
Roller Blading (Line Skating/Skate Boarding)
Roller skating
Rugby (training)
Safari (non UK Organised)
Sand Yachting
Sea Canoeing/Kayaking
Shark Cage Diving
Skateboarding
Sphering
Street Hockey
Tae Kwon Do
Trampolining
up to 1 day Skiing/Dry slope skiing/Snowboarding
War Games/Paint balling
Water Polo (amateur)
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27. Activity Pack 3 - Cover is provided for the winter sports detailed below when the winter sports policy option has been chosen.
Adventure Racing (up to 12 hours)
American Football
Big foot skiing
Bobbing
Breathing Observation Bubble (BOB)
Canoeing (grades 4-6)
Canyoning
Cat Skiing
Cross Country Skiing
Equestrian
Flying crew/pilot
Flying Helicopter (Pilot)
Glacier Walking
Go Karting
Harness Racing
Hockey (ice) with full body protection)
Horse Jumping (no polo, hunting)
Horse Riding (Eventing)
Husky Dog Sledding
Hydro Zorbing
Ice Skating
Jousting
Kick Sledging
Kite Boarding
Land Skiing
Langlauf
Martial Arts (Training Only)
Modern Penathlon
Mono Skiing
Mountain Boarding
Mountaineering up to 1000m
Off Road Motorcycling (up to 250cc)
Off-piste skiing
Passenger Sledge
Polo cross
Power Boating
Professional Enteraining
Quad Bikes
River Tubing
Rodeo
Roller Hockey
Rugby (amateur game)
Rugby League Union
Sand Boarding
Sand Dune Surfing/Skiing
Ski Boarding
Ski Dooing
Skiing
Skiing - Cat
Skiing - Mono
Skiing - Nordic
Sledging/Tobogganing
Sleigh riding (reindeer, horses or dogs)
Snow Biking
Snow Blading
Snow Bobbing
Snow Mobiling
Snow Parascending
Snow Scooting
Snow Shoe Walking
Snow Tubing
Snowboarding
Snowcat Driving
Speed Sailing
Speed Skating
Speed Trials/Time Trials
Summer Tobogganing
Telemarking
Tree Top Canopy Walking
Under 17 Driving (not public roads)
Water Ski Jumping
White water Rafting (grade 4 to 6)
Wrestling
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28.Activity Pack 4 - Additional Premium required
Boardsailing
Cyclo Cross
Devil Karting
Dinghy Sailing
Dirt Boarding
Hiking/Trekking/Walking/Rambling up to 3000m
Mountaineering up to 2,000m
Paragliding
Parascending (over land)
Ski Biking
Snow Carting
Snow Go Karting
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29.Activity Pack 5 - Additional Premium required
Caving/Pot Holing
Glacier Skiing
Heliskiing
Hurling
Hydrospeeding
Ice Climbing
Ice Windsurfing
Kite Buggying
Kite Surfing
Octopush
Outdoor Endurance Test
Power Gliding
Power Kiting
River Bugging
Rock Climbing (under 2,000m)
Skeleton
Ski Blading
Ski Randonee
Ski Touring
Ski Yawing
Skiing - Freestyle
Snow Kiting
Via Ferratta
Wake Boarding
Wind Tunnel Flying
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30.Activity Pack 6 - Additional Premium required
Adventure Racing (up to 24 hours)
Assault Courses including High Ropes
Black Water Rafting (grade 1 to 3)
Blowcarting
BMX Freestyle and Racing
Cave Diving
Cycle Racing
Freestyle Skateboarding
Gliding (competition)
Hang Gliding
Micro Lighting
MotoCross
Motor Racing/Rallies/Competitions (all types)
Mountaineering up to 3,000m
Parapenting/Paraponting
Polo
Scuba Diving to 40m
Ski Flying
Ski Mountaineering
Ski Run Walking
Skiing - Off Piste Without a Guide
Snow/Terrain Parks
Slack-Lining
Wicker Basket Tobogganing
Zip Trekking
Zorbing
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31.Activity Pack 7 - Additional Premium required
Adventure Racing (up to 36 hours)
Downhill Mountain Biking
Kloofing
Mountaineering up to 4,000m
Solo Climbing
Solo Mountaineering
Solo Scuba Diving
Tandem Skydive (up to 2 jumps maximum)
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32.Activity Pack 8 - Additional Premium required
Adventure Racing ( up to 48 hours)
Airboarding
Alligator Wrestling
Big Game Hunting
Black Water Rafting (grades 4 to 6)
Bobsleigh
Bouldering
Boxing
Bull Running
Cave Tubing
Coasteering
Deer Stalking
Drag Racing
Free Driving
Free Mountaineering
Hunting/Shooting
Ice Diving
Ice Holing
Ice Marathon
Ice Speedway
Luge/Bobaleigh
Martial Arts (Competition)
Mixed Gas Diving
Mountaineering up to 5,600m
Parachuting
Potholing
Sailing/Yachting offshore (recreational)
Shark Free Diving
Ski Acrobatics
Ski Jumping
Ski Racing
Ski Stunting
Skiing - Para
Solo Sky Diving
Sky Jumping
Sky Surfing
Trekking up to 5,600m
Yachting (racing/crewing) - outside territorial waters
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