Frequently asked ...
Below you will find a list of frequently asked questions.
Why am I being asked which country I am spending most time in?
We ask this so we can cover you correctly for your trip. We need to identify the country in which you plan to spend most of your time. If for any reason you are unsure, for example you have a flexible itinery, then this should be your best guess at the time you buy your insurance. This will not affect your premium or your cover. You do not need to tell us if you change your plans.
Would my policy cover me against redundancy?
Our policy can provide cover for cancellation due to the redundancy of a policy holder if they are being made redundant from full-time, continous, permanent employment, as long as they are entitled to payment under the current redundancy payments law and that, at the time of booking Your Trip it was unforseeable. Please refer to the Policy Wording for more information.
Do you cover loss of baggage?
Our policy does provide cover for loss, theft and damage to your baggage. The amount you can claim up to will depend on the plan you choose to purchase. Please note, item limits and some exclusions do apply.
Is the 'start date' for Single Trip and Annual Multi-Trip policies different?
Yes, for single trips the start date is the time that You leave Your home or the start date shown on Your Certificate of Insurance (whichever occurs last). For Annual Multi-Trips the start date is the date that you would like your policy to commence, however, cover does not commence under any section until the policy start date.
What are the differences between an Annual and Single Trip Policy?
Annual Multi-Trip Policies are designed to cover you for multiple trips during the year. You can choose the limit on the number of days per trip that you are allowed from 30, 45 and 60 days per trip. Your trips must not exceed a total of 120 days.
How many accompanied children are allowed to travel on a policy?
There is no limit to the number of accompanying children, as long as you are the children's guardian whilst on the trip. Accompanying children are defined as children not in full-time employment and under the age of 19 at the date of departure who are travelling with You on the Trip.
Do I need an excess?
We offer you the option to waiver the excess on the policy, this means if you have to submit a claim there will be no excess deducted from the totel reimbursed. Alternatively, if you choose not to waiver the excess the policy will be cheaper however it will mean an excess will be deducted in the event of a claim.
How long do I get to cancel a policy?
We are confident you will be happy with your policy however you are able to receive a full refund on your insurance as long as we are contacted in writing within 14 days of the policy being issued and prior to departure. Conditions apply.
Are there certain items that are excluded from my policy?
Before purchasing travel insurance for your holiday please ensure you read the policy wording to identify the full list of general exclusions.
Can I purchase Cover-More Travel Insurance if I don't live in the UK?
To be able to purchase our policies you must be resident in the UK. This means you must have a permanent UK address and be living in the UK at the time the policy is issued.
Can an Annual Multi-Trip policy be extended?
We are unable to extend the trip duration allowed once an Annual Multi-Trip policy has started. When the policy is due to expire we are able to renew the policy. Please contact us for further information about renewing your policy.