Frequently Asked Questions
What does Third Party Insurance cover?
Third Party Insurance policies usually cover:
– Liability for injuries to other people, including passengers
– Liability for damage to other people’s property
– Liability of passengers for accidents caused by them
– Liability arising from the use of a caravan or trailer whilst attached to the car
Third Party Fire and Theft policies usually cover the same as Third Party policies, but with cover for loss in the event of fire, theft or attempted theft of your vehicle.
What is a pre-existing medical condition, and can I be covered?
A pre-existing condition usually means any medical condition for which medical advice, diagnosis, or treatment was/is recommended or received.
Cover will only be provided for pre-existing medical conditions that you have declared. If you fall ill from a pre-existing condition that you have not declared, you are unlikely to make a successful claim on your travel insurance.
It’s always a good idea to speak to the insurer you’re thinking of using to check whether they will include your condition on the policy, and how much it will cost.
If you're pregnant, certain exclusions may apply if you travel after a certain point during the period of your pregnancy.
We would advise you to read the key facts policy summary and the policy wording thoroughly prior to purchasing the product, to see which exclusions and conditions may be in place. For complete peace of mind, you can also ask your insurer any questions you may have.
We offer a full list of companies who specialise in cover for pre-existing medical conditions. Please click to see our panel of insurers who provide travel insurance for pre-existing medical conditions – you’ll be asked to disclose the conditions you have.
What is an excess on a Car Insurance policy?
Excess is the amount that you agree to pay towards the damage to your vehicle. You should make sure you are aware of any applicable excess and policy limits your car insurance policy may have. You may have more than one excess amount, i.e. a glass claim may be subject to a different excess than if your car is stolen. There is always an excess for windscreen replacement claims and most insurance policies also have maximum limits the insurer will pay out in a claim. You need to check you would be able to afford the excess in the event of a claim, and that the maximum limit would be sufficient to cover your loss.
What is business insurance?
Business insurance is a type of cover you can take out that protects you and your business against certain losses you might face during every day operations.
What is medical screening?
Medical screening is a multiple-choice question process to assess the severity of your condition.
What types of business insurance do I need?
Business insurance comes in a number of variations, and the policies you’ll need will depend on your business and how you run it as well as the provider you choose. Most offer cover for the following:
- Public liability: Public liability insurance covers you for the cost of compensation you might have to pay if a member of the public is injured or their property is damaged as a result of your business’s operation
- Employers’ liability: As mentioned above this is a legal requirement if you employ staff, and it’ll cover you if your employees become injured or ill or have their property damaged as a result of the work they do for you
- Professional indemnity: Professional indemnity policies protect you if you or an employee makes a mistake with your work and as a result your client or the business you’re working with lose money and sue you
- Business buildings: Business buildings insurance can be helpful if you have a specific business premise, such as an office or shop, as well as if you work from home. It can cover you for damage caused by floods and other natural disasters, depending on the details of your policy
- Business contents: A business contents policy covers any tools or office equipment in your business premises if they’re damaged, stolen, or lost
- Product liability: Product liability insurance is cover for when a customer is injured or suffers damage due to a faulty product you’ve supplied – you could be liable even if you didn’t manufacture it
- Business interruption: With business interruption insurance you’ll be covered for the cost of getting your business up and running again if it’s disrupted by an insured event, such as flooding or fire
- Personal accident: Personal accident cover means your insurer will pay out for things like medical costs or loss of income if someone dies or is seriously injured at your work premises
- Legal expenses: A policy for your business’s legal expenses means you’ll be covered for the potential cost of legal action if someone brings a case against you or vice versa
- Cybercrime: A policy that’s growing in importance in the modern age, cybercrime insurance protects you if your business falls victim to cyber criminals
What types of travel insurance cover can I take out?
The type of travel insurance you’ll need will depend on where you’re going and for how long. When it comes to the length of time you’ll be travelling, you’ll get to choose either:
- Single trip cover: A single-trip travel insurance policy covers you for one trip to a specific region for a set period
- Backpacking cover: Backpacking travel insurance offers protection for an extended period, during which you’ll be able to visit multiple regions
- Annual multi-trip cover: An annual multi-trip policy insures you for a full year, so you’ll be able to take multiple holidays across the 12-month period to any regions you’ve included on your policy
Your policy will also reflect the parts of the world you plan to visit:
- European: This covers you for travel to mainland Europe, and some insurers also extend this to Morocco and Egypt. Check the extent of cover you’re buying if you’re not sure
- Worldwide: This covers you to visit any destination worldwide, apart from those specifically listed on the policy (typically high-risk areas such as war zones)
- Worldwide (excluding the USA, Canada and the Caribbean): This covers you for travel to anywhere in the world except these countries and named high-risk destinations. This distinction is often made as these destinations have very high medical treatment costs, so removing travel to the USA, Canada and the Caribbean makes the policies less expensive
Which companies pay out in the event of natural disaster, terrorism or an outbreak of a viral illness?
There is no single answer as each policy is different – some will cover you for natural disasters, terrorism or viral outbreaks and others won’t. You’ll need to read the key facts and policy documents to be sure for your own specific policy and cover level.
Important - Insurers will not provide insurance if you are travelling to a country where the Foreign, Commonwealth & Development Office (FCDO) have advised against travel. For advice on countries not to travel to and for global information prior to travel visit the FCDO website.
Which convictions do I need to disclose for motor insurance?
The short answer here is – if in doubt, disclose it. Insurers know that there is a connection between the number of driving convictions a person may have and their likelihood of making a claim. So people with motoring convictions are likely to face higher car insurance premiums until their driving record improves. You should disclose ALL non-motoring convictions that fall inside the Rehabilitation of Offenders Act. However, spent convictions need not be disclosed under the Rehabilitation of Offenders Act 1974.
Who can I cover with my travel insurance policy?
When you take out travel insurance, you can cover:
- Yourself, with an individual policy
- You and your partner, with a couple’s policy
- Your family, with a family policy – up to two adults and up to five children under 18
- A group, with a group policy – including two or more adults travelling together with or without children, up to a maximum of seven people