General travel insurance policy questions

Questions about what's included and not included in a travel insurance policy

  • How do I know what's included under my travel insurance policy?
  • We advise that you read carefully the Insurance Product Information Document and policy wording documentation before completing your transaction online. These will give you full details of what you're covered for, and the extent of your cover. It is advisable to take these documents with you on your trip so that you can refer to them whenever necessary.
  • I travel for work and pleasure, do your policies cover for business travel?
  • Non manual Business travel is included within all of our travel insurance policies as standard, you can also extend the cover further for specific business purposes such as business equipment and money for an additional premium.
  • Do you offer skiing insurance?
  • Winter sports cover is available on all of our single trip and annual policies with the payment of a small additional premium. This will cover you for things such as, injury on the slopes, equipment, hired equipment, piste closure and delay due to avalanche.
  • Does being pregnant affect my travel insurance cover?
  • There are terms & conditions relating to pregnancy under our travel insurance policies - please refer to the individual policy terms.
  • What regions/countries does your travel insurance cover?
  • When you complete a quote with Insurewithease you will be asked to confirm whether you will be travelling within Europe or worldwide. Our travel insurance covers all European countries. Worldwide insurance includes all countries outside of Europe, including the USA and Canada.
  • If I'm driving my car abroad and it breaks down am I covered?
  • You will need to check the terms of your car insurance before taking your own vehicle abroad as you may need to extend the cover. Our travel insurance policies would not cover for injury to a 3rd party, damage to the car or damage to a 3rd party's vehicle in the event of an accident, but it would cover you for the costs associated with medical treatment you (as the policy holder) require. Please refer to your policy documentation for details.
  • What about cover for hire cars?
  • You will need to make sure that your hire car insurance covers you for damage to the hire car and a third party's car in the event of an accident. Insurewithease travel insurance protects you against medical expenses as a result of an accident but please refer to the details of your policy before hiring a car abroad.
  • Does your travel insurance cover terrorist attacks?
  • Please refer to the policy documents for details of what would be covered in the event of a terrorist attack. Cover is available under the medical expenses and personal accident sections of the policies, for injuries caused by the terrorist act.
  • There has been a terrorist attack recently at my chosen destination, will I be covered to travel there or should I cancel my trip?
  • Your travel insurance may not cover you in a country that the Foreign and Commonwealth Office has advised you not to travel to. For advice on countries not to travel to, please see www.fco.gov.uk/travel and refer to your policy documents for the details of cover you have. It's important to note that your policy won't cover the cancellation of a trip that you feel disinclined to take, it will only cover you if you are advised against taking the trip and are unable to obtain a refund from your travel provider.
  • What happens if my holiday gets cancelled?
  • All of our travel insurance policies offer cancellation cover, which means that if you had to cancel your holiday following an insured risk, you would be covered up to the limit shown on your policy.

Travel Insurance amendments & cancellation

  • What if I need to make a change to my insurance policy?
  • If your travel plans change or you need to make any other amendments to your travel insurance policy, you have a 14 day period in which to do so free of charge. After the 14 days, all amendments will incur a £10 administration fee. All you need to do is e-mail [email protected] providing us with the following information:

    Policy number
    Date policy purchased
    Amendments you wish to make

    We will then send you an e-mail confirming that the amendments have been made, attaching the updated policy documentation.
  • What if I want to cancel my insurance policy?
  • If you change your mind and wish to cancel your travel insurance policy, you have 14 days from when you take out your policy to cancel the policy and obtain a full refund on the premium, providing that you have not travelled or made a claim.
  • How do I cancel my policy?
  • If you wish to cancel your policy within the 14 day cancellation period, please e-mail [email protected] confirming that you would like to cancel, and provide the following information:

    Policy number
    Date policy purchased
    Your reason for cancellation
    Confirmation that you have not travelled since purchasing the policy
    Confirmation that you have not claimed/do not intend to claim under the policy

    You will then receive a telephone call from Insurewithease in order to process your refund.

If the question you have is not answered by our FAQs, simply contact us using our online enquiry form

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