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FAQs
Frequently Asked Questions annualtravelinsurance.com UK
Annual Multi Trip
- What is the Maximum age on an Annual Multi Trip Policy ?
- What is the Maximum length of any one trip on an annual Multi Trip Policy?
- Is wintersports cover included in the price?
- Can an Adult or Child travel separately on a Multi Trip Policy?
- What is the definition of a family on an Annual Multi Trip Policy?
- Can I forward start the commencement of an Annual Multi Trip Policy?
General Questions
- How Will I receive my Validation Certificate and Policy Cover?
- What should I do if I need to my details change or I want to extend cover?
- What should I or any of my travelling companions do if I/We have a pre-existing medical condition?
- What are the policy age limits?
- Is Pregnancy Covered?
- What if I need to Cancel my holiday/trip?
- What should I be aware of in respect of baggage/money claims?
- Do I need a police report for stolen items?
- When should I contact Mondial assistance?
- Am I covered for Liability of Mechanically Propelled vehicles or watercraft?
- How do I make a claim?
- What should I do if I have a complaint about the policy or a claim?
Hazardous Activities
- What Hazardous Activities are covered Free of Charge with AnnualMultitirip.com?
- What is the difference between ‘Incidental and Non Incidental basis'?
- I cannot find the Hazardous Activity I want to do on this list?
- What additional Hazardous Activities can I obtain cover for, subject to payment of an additional premium.
- Amateur is listed next to some of the Activities, what does this mean?
- Does annualtravelinsurance.com cover scuba diving?
- The maximum altitude for trekking is 4200m, can I trek above this and still be covered?
Annual Multi Trip
What is the Maximum age on an Annual Multi Trip?
Maximum age is 73 years of age.
What is the maximum length of any one trip on an Annual Multi Trip?
19 – 65 yrs – Max duration Super Cover 31 Days / Super
Plus 60 Days
66 – 69 yrs - Max duration Super or Super Plus Cover 31 Days /
No Ski
70 – 73 yrs - Max duration Super or Super Plus Cover 21 Days /
No Ski
Is Wintersports cover included in the price?
Wintersports can be included for an additional Premium for persons 65 yrs or
younger.
Can an Adult or child travel separately on a Family Annual Multi Trip
Policy?
Yes an adult spouse can travel separately. A child under 16 years can also
travel separately provided the child is travelling with a responsible Adult. If
the child is over 16 they will not be covered to travel seperately unless it is a
school or college organised trip.
What is the definition of a family on an Annual Multi Trip Policy?
2 co-habiting Adults/spouses and their dependant children under 19 years of
age.
Can I forward start the commencement date of my Annual Multi Trip Policy?
Yes you can forward start the commencement date of your policy by 90 Days
however please note that there is no cover including cancellation until the
start date of the policy.
General Questions
How will I receive my Travel Cover Document and Validation certificate?
When a purchase is made on this site you will automatically be able to print a formal cover letter,
validation certificate and Travel Cover Document. This document is your insurance certificate and it is
also automatically sent to your email address. We strongly recommend you bring your travel cover document
and validation certificate when you travel.
In order to keep your premiums low, we do not as a matter of course send out documents in the post. However if you wish for copies to be printed out and sent to your home address please call us and let us know (there is a £2.00 charge for policies sent out in the post).
If you have entered your mobile phone number when booking then you will also receive a free text message with your Certificate Number, Emergency Telephone Number Abroad and Health Check Telephone Number.
What should I do if my details change or if I want to extend my policy?
Please contact us including your policy number and the required alteration. In
most cases we will simply update re-send your details by email. If you need to
extend your cover then there may be an additional premium to pay.
What should I or any of my travelling companions do if I/we have a
pre-existing medical condition?
If you are aware, at the time of taking out this policy that you or a traveling
companion have/had:
- Any Medical Condition you have, or have had, for which You are taking prescribed medication or are waiting to receive, or have received treatment (including surgery, tests or investigations) within the last 2 years then you must contact on and declare your pre-existing Medical Condition.
Please note we cannot provide cover in respect of the following even if you hold Private Health Insurance with medical cover abroad:
- Any Medical Condition for which You, your travelling companion or family member have received a terminal prognosis.
- Any Medical Condition for which You, your travelling companion or family member have not had a diagnosis.
- Any Medical Condition for which You, your travelling companion or family member are on a waiting list for or have knowledge of the need for surgery, in patient treatment or investigation at a hospital, clinic or nursing home.
- Any circumstances You are aware of that could reasonably be expected to give rise to a claim on this policy.
If you suffer from any of top three above then we may be able to provide you with cover under our www.cleartotravel.com product.
What are the Policy Age Limits ?
| Annual Multi-Trip | 73 years
|
Is Pregnancy Covered?
Our Pregnancy cover provides cover for unforeseen events, accidents, illnesses and diseases.
Normal childbirth would not constitute an unforeseen event. In any event, you must not travel
against doctors advice or any carrier stipulation. Any complications or previous miscarriages
need to be declared to Healthcheck.
What if I need to Cancel my holiday/trip?
If it is deemed necessary to cancel your travel arrangements you must contact your Travel Agent/Tour
Operator or Transport Company immediately and confirm in writing to Mondial Claims
within 48 hours. Please review the definition of relative under this policy.
What should I be aware of in respect of Baggage/Money Claims?
If any item of your baggage is lost or stolen or damaged whilst in transit then you must
report this to the Airline, Hotel or Tour Operator Representative immediately. Baggage
excludes prams, wheelchairs, bicycles, diving equipment, computer equipment, antiques and mobile phones.
It is important that you obtain a property damage/loss report or a PIR in the case of damage/loss by an airline.
Fragile items are excluded under this policy. Cash must always be kept in a safety deposit box.
Do I need a Police Report for stolen items
If you are unfortunate enough to have any stolen items or belongings whilst on holiday, then you must notify the local police within 24 hours and obtain a copy of the police report.
When should I contact Mondial Assistance?
Tel: +44 208 603 9929
In the case of any medical emergency or the need to curtail your trip due to an insured
reason please call Mondial Assistance (UK) Ltd.
If you have private medical insurance, then you must also contact that Company’s Assistance telephone
number and advise them of your medical emergency. If you have a top up Annual Multi Trip Policy then you should
contact your Private Health Insurer Assistance line first.
Am I cover for Legal Liability of mechanically propelled vehicles or watercraft?
No there is no liability cover for the use of mechanically propelled vehicles or watercraft. Please check that your
legal liability is adequately covered with the operator/car hire company before hiring/using motor vehicles, motorised
water craft or aircraft (other than as passenger).
How do I make a Claim?
All claims must be reported to Mondial Claims and enclose all documentation when claiming including your policy
document and your Validation cert.
What should I do if I have a complaint about the policy or a claims decision?
Please refer to the complaints procedure at the rear of the policy wording.
Is there a cooling off period?
Yes there is a 14 Day cooling off period from receipt of the policy either at time of print, receipt of email or receipt by post.
Hazardous Activities
What Hazardous Activities are covered Free of Charge?
annualtravelinsurance.com automatically provides Medical and Personal Accident cover for the following activities,
conducted on an incidental basis whilst you are on holiday:
UK Grade 1
- Archery (amateur)
- Badminton (amateur)
- Baseball (amateur)
- Basketball (amateur)
- Beach Games
- Bungee Jump (1)
- Camel/Elephant Riding
- Canoeing (Up to Grade 3)
- Clay Pigeon Shooting
- Cricket (amateur)
- Cycling (other than specified)
- Dinghy Sailing
- Fell Walking
- Fencing
- Fishing
- Football (amateur)
- GAA Football (amateur)
- Golf (amateur)
- Hiking (under 2,000 metres altitude)
- Hockey (amateur)
- Horse Riding (up to 7 days)
- Ice Skating (Rink)
- Jet Boating
- Jet Ski-ing
- Jogging
- Manual Work (bar and restaurant, waitress, waiter, chalet maids, au pair and nanny's and occasional light manual work including retail work and fruit picking but excluding the use of power tools and machinery)
- Marathon Running (amateur)
- Motorcycling up to 50cc (wearing a crash helmet, no racing)
- Netball (amateur)
- Non manual work (Including professional administrative or clerical duties only)
- Orienteering
- Outwardbound Pursuits
- Paintballing
- Parascending (over water)
- Pony Trekking
- Quad biking up to 50cc (wearing a crash helmet, no racing)
- Racquetball
- Rambling
- River Canoeing (Up to Grade 3)
- Roller Skating
- Roller Blading
- Rounders
- Rowing
- Running - sprint/long distance (amateur)
- Safari (Ireland/UK organised)
- Sail Boarding
- Sailing within territorial waters
- Scuba Diving* down to 30 metres if qualified and not diving alone or accompanied by a qualified instructor * see the specific question regarding Scuba Diving
- Skate Boarding
- Snorkelling
- Squash (amateur)
- Surfing (amateur, under 14 days)
- Tennis (amateur)
- Tour Operator Safari
- Track Events
- Trekking (under 2,000 metres altitude)
- Volleyball (amateur)
- War Games
- Water Polo (amateur)
- Water ski-ing (amateur)
- Windsurfing (amateur)
- Yachting (racing/crewing inside territorial waters)
What is the difference between 'Incidental and Non Incidental basis'?
An incidental basis means that the activity you are doing on holiday is not the specific reason for going on
the holiday. Non Incidental is exactly the opposite.
Examples: "I am going on holiday and may have a go a Scuba Diving whilst I'm out there,
if I can find a place that does it." - That would be participation in an activity on an 'Incidental' basis.
"I am going on a specific Scuba Diving holiday, where my main intention is to Scuba Dive" - That would be on participation on a 'Non Incidental' basis.
I cannot find the Hazardous Activity I want to do on this list?
See Additional Hazardous Activities below in higher grades. If you still can't find your activity listed, please call us.
What additional Hazardous Activities can I obtain cover for, subject to payment of an additional premium.
We can also provide Medical and Personal Accident cover for the following Activities, as per the terms and conditions
stated in the policy wording, subject to payment of an additional premium.
Grade 2 - A 50% Loading on your existing travel premium to cover all activities or £30 per
activity if individually selected. Medical excess £320 and 50% personal accident cover reduction.
- Boxing Training (no contact)
- Bungee Jump (up to 3 additional jumps)
- Black Water Rafting (Grade 1 to 4) Life jacket and Helmet must be worn
- Camel/Elephant Riding/Trekking (non Incidental)
- Cycle Touring
- Go Karting (Specific use)
- Horse Riding (no Polo, Hunting Jumping)
- Hot Air Ballooning (non Incidental)
- Hurling (amateur)
- Jet Skiing (non Incidental)
- Martial Arts (Training only)
- Mountain Biking
- Parascending (over water, non Incidental)
- Rambling/Trekking between 2,001m and 4,200m
- Safari (non-Irl/UK organised)
- Scuba Diving* (non Incidental/down to 50m) if qualified and not diving alone or accompanied by a qualified instructor (see notes below)
- Sea Canoeing
- Sea Fishing (non Incidental)
- Surfing (amateur)
- Triathlon
- Waterskiing/ Windsurfing/Snorkelling (non Incidental)
Grade 3 - A 100% loading on your existing travel premium to cover all activities or £75 per
activity if individually selected. Medical excess £650 and 50% personal accident cover reduction.
- Abseiling
- American Football (amateur)
- Gliding
- Kayaking
- Motorcycling (with a motorcycle licence, over 50cc wearing a crash helmet - no racing)
- Paragliding
- Rambling/Trekking between 4,201m and 6,000m (professionally organised with experienced operators - max age 45 yrs)
- Rugby (amateur competition)
- Sand Yachting
- Tandem Skydive (up to 2 jumps maximum)
- White Water Rafting (Grade 1-4)
- Yachting (racing/crewing) outside territorial waters
Grade 4 - A 200% loading on your existing travel premium to cover all activities or £112.50 per
activity if individually selected. Medical excess £650 and 50% personal accident cover reduction.
- Hand Gliding
- High Diving under 5m (amateur, excluding cliff diving)
- Horse Jumping (no Polo, Hunting)
- Micro Lighting
- Parasailing
- Rock Climbing (under 2,000m)
- Rock Scrambling (under 4,000m)
- Canyoning
- Kite Surfing
Amateur is listed next to some of the Activities, what does this mean?
Amateur status is listed beside such sports as running, rugby, football, surfing ,
tennis and Waterskiing, this means that if you intend to play these sports abroad professionally (i.e. you
will be receiving a monetary reward for participation in them) there is no cover under the terms and
conditions of the policy for this.
Does annualtravelinsurance.com cover scuba diving?
Beginners: (This cover is provided free of charge) on an Incidental Basis
Scuba diving to the following depths. Provided you are diving under the direction of an accredited dive marshal, i
nstructor or guide. Alternatively, if qualified, within the guidelines of the relevant diving or training agency or
organization and not diving alone:
- PADI Open Water - 18 metres
- PADI Advanced Open Water - 30 metres*
- BSAC Ocean Diver - 20 metres
- BSAC Sports Diver - 30 metres*
- BSAC Dive Leader - 30 metres*
Advanced: (This Cover is subject to Grade 2 Activities additional premium) for Greater Dive Depths and Non Incidental Coverage.
Scuba diving to the following depths. Provided You are diving under the direction of an accredited dive marshal, instructor or guide. Alternatively, if qualified, within the guidelines of the relevant diving or training agency or organization and not diving alone:
- PADI Open Water - 18 metres
- PADI Advanced Open Water - 30 metres
- BSAC Ocean Diver - 20 metres
- BSAC Sports Diver - 35 metres*
- BSAC Dive Leader - 50 metres*
We must agree with any equivalent qualification. If you do not hold a qualification,
We will only cover you to dive to a depth of 18 metres.
You will not be covered under this policy if you travel by air within 24 hours after participating in Scuba Diving.
The maximum altitude for trekking is 4200m, can I trek above this and still be covered?
No. No coverage would be provided by the policy if your planned trekking route exceeds
this altitude unless specifically agreed by Underwriters before you embark on it.
Contact us if you need an individual quote.