Travel Insurance FAQs
How do I know what I am covered for?
For full details on cover we recommend you look at each insurer's full policy wording. Money
Expert also provides a comparison highlighting key areas of cover which you may
find helpful.
When will I get my policy documents?
You should receive your policy documents by email within minutes of purchasing your
policy. Please ensure that you provide the correct email address. You can also request
documents to be sent to you by post for an additional cost. These will be sent by 1st
class post on the next working day. Please allow 5 working days for delivery.
What do I do if I need to make a claim?
You will find full details on how to make a claim in each insurer’s full policy
wording. Please click ‘Policy Details’ under the ‘My Quote’ tab to view the policy
wording.
How do I know if a country is classed as Europe or Worldwide?
When entering your requirements to get a quote simply click on the ‘?’ next to Destination
and you will see which categories each country comes under.
What does Annual multi-trip mean?
This type of policy will cover you for as many trips as you like in a year providing
each trip does not exceed a certain number of days.
If I buy an annual policy will this cover if I go on a cruise?
If you want to add cruise cover to an annual policy simply select Cruise Cover on
the Policy Options tab, then update your quote to give you a list of the insurers
which can offer this cover.
How many days per trip will I be covered for on an annual policy?
This will vary according the insurer that you choose. A typical limit is 31 days, but some
insurers will offer longer and some a shorter maximum duration. Please check the
individual insurers policy wording by clicking on the ‘Policy Details’ link, or look in
our comparison table.
What do you class as a pre-existing medical condition?
A pre-existing medical condition is any disease, illness or injury whether
diagnosed or not.
Am I covered for bungee jumping or other adventure sports?
The ‘Policy Options’ tab includes a list of activities which are covered as standard by
all of our insurers and you can also choose to include other activities for an extra
cost. Cover of adventurous activities will vary for different insurers, we recommend
that you check the full policy wording to ensure you will be covered for any
activities you intend to take part in before purchasing a policy.
What is Excess waiver?
In the event of a claim most insurance providers will require you to pay the first
part of the claim, known as the Excess. Typically this ranges between £75 and
£100. Selecting the excess waiver option means, providing your claim is successful,
the insurance provider will pay the full amount of your claim and you will not have
to pay the policy excess.
Is your website secure?
Yes, our website is secure and uses the latest VeriSign Secured technology.
Is the price quoted the total or per person?
The price quoted on Money Expert is the total cost for your policy and includes
all travellers.
Do I need to take my policy documents with me when I travel?
We recommend that you take the full policy wording and policy certificate with you
when travelling. These contain all the emergency contact numbers and policy terms
and conditions should you need further information whilst you are away.
What if I need medical help while I’m on holiday?
Most insurers will provide 24 hour medical emergency support. Each insurer’s policy
wording will detail what you should do in the event of a medical emergency. Please
click ‘Policy Details’ under the ‘My Quote’ tab to view the policy wording.
What should I do if my bag is stolen while I’m away?
If you are unlucky enough to have property stolen while you are away, most insurers will require you to obtain a police report. Please see the full policy wording for each insurer to see what documentation they require. Please click ‘Policy Details’ under the ‘My Quote’ tab to view the policy wording.
What should I do if the airline loses my luggage?
If your luggage doesn’t arrive with you at your holiday destination or when you return
home you should notify the airline immediately and obtain a Property Irregularity
Report. You will need this to make a claim. Please see the full policy wording
for each insurer for detailed information on how to make a claim and the documentation
that you will need. To view the policy wording please click ‘Policy Details’ under
the ‘My Quote’ tab.
When should I start my annual policy?
You can start your annual policy whenever you wish but we recommend that you start
the cover on the date you purchase the policy. That way you will be covered
immediately for cancellation.
How do I get a quote for winter sports cover?
When entering your details to get a quote please select winter sports under travel
insurance type. This will be different for Annual policies.
I’m travelling on business, how do I make sure my business equipment is covered?
Select Business Equipment Cover on the Policy Options tab, then update your quote
to give you a list of the insurers which can offer this cover.
I’m playing golf on holiday; can I get cover for my golf clubs?
Yes, we can provide cover for your golf equipment, as well as any non refundable green
fees. Simply select Golf Cover on the Policy Options tab, then update your quote to give
you a list of the insurers which can offer this cover.
Top Tips
- Book early - Do you have your heart set on a particular destination
or have set dates you need to travel on? Booking early is strongly recommended. UK
tour operators have reduced their stock of holidays by as much as 15% over the
last 2 years, so the early bird catches the worm!
- Shop around - Travel agents and tour operators offer a wide choice
of package holidays so shop around beforehand. Packages will include different
combinations from room only, B&B, half/full board and all inclusive arrangements. Pick
the right package to suit you and your party.
- Read reviews - It is a good idea to research your destination and
your accommodation in advance of your booking. This will give you great directions to
help tailor the right package for you.
- Verify all booking information - Check that all spellings of
names and personal details like dates of birth and addresses of your party are
correct when booking flights and accommodation. Changing these details later can
cost a lot of money. You may have to pay both the travel agent and the tour
operator to make these corrections.
- ATOL - When booking your holiday, look out for the ATOL logo
on brochures and websites. The Air Travel Organisers' Licensing is a financial
protection scheme managed by the Air Travel Trust (ATT) under statute that protects
your holiday and provides the funds to protect customers should a firm fail. All
tour operators and travel organisers are required to participate.
- The Ash Factor - As most holidaymakers found out recently, Package
Tour Operators quickly took responsibility for their passengers during the ash
cloud crisis, irrespective of the actual cause of the calamity. Travel with
confidence by booking a package holiday.