FAQ
Below is a list of our most frequently asked
questions.
| What about my Statutory rights? |
By entering into a contract of insurance you will take on certain obligations and grant certain powers to the insurer. Nothing contained in this contract affects your statutory rights as a consumer. |
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| What is Single Trip insurance? |
This policy covers you for a single trip and is the best value for normal holidays and business trips if you only travel once a year. |
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| What is Annual Multi-Trip insurance? |
This policy covers you for as many journeys as you like during a full year. The maximum length of any one trip is 45 days or 90 days depending on the policy type you choose (31 days for those aged over 65). Annual Multi-Trip insurance also includes cover for winter sports such as skiing and snow boarding automatically! This is the best value for you if you plan to travel more than once in any 12 month period. |
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| What is Long Stay insurance? |
This policy provides the best value for travellers aged over 36 who are planning a long journey of over 30 days - or if you are travelling on a budget. The Long Stay policy provides a slightly reduced level of cover compared to the Single Trip - but at significantly better rates! |
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| What is Backpacking/Gap year insurance? |
If you are off for an extended trip to travel the world and are aged under 36 then our backpacking policies are for you. |
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| InsureandGo policies define Europe as: |
The Continent of Europe west of the Ural Mountains, Madeira, Canary Islands, Iceland, the Azores, Mediterranean Islands and non-European countries bordering the Mediterranean (excluding Algeria, Israel, Lebanon & Libya).
NB: The United Kingdom includes Northern Ireland, Isle of Man and Channel Islands. |
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| What Destination should I choose? |
Please click here to see which countries come under which insurance area. Please note that for insurance purposes Europe is far bigger than the E.U.! |
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| How can I get an even better rate? |
InsureandGo offers you the option to tailor your insurance package to suit your needs. After you have selected a policy in our instant quote generator you can select various options to fine tune your level of cover:
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Exclude Baggage and Money - This option reduces the premium you have to pay, however you are not covered for loss of personal possessions or money whilst travelling. Check your home insurance policy as this may cover such items when you are away.
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Double Excess - This option reduces the premium payable, however it increases the Excess you have to pay if you make a claim against this policy.*
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Excess Waiver - This option increases the premium payable, however in the event of you having to make a claim on this policy there will be no Excess to pay.*
* This does not affect any increased excesses imposed in relation to Pre-existing Medical Conditions and/or certain Hazardous or Sporting Activities. |
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| What if I don't see what I want? |
If you don't see what you want on our website, or if you have any special requirements, please call us on 0870 901 3674 or email info@insureandgo.com. We can usually arrange for special cover and can customise policies. |
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| What is InsureandGo's Privacy Policy? |
InsureandGo is fully committed to protecting the privacy and confidentiality of your personal information.
InsureandGo is registered with the Data Protection Commissioner and is fully compliant with the Data Protection Act of 1998 which came into force on 1 March 2000.
InsureandGo will only collect, process and review the personal information which we request from you in order to provide you with the insurance quotations you have requested and to determine whether you meet the criteria of the insurance product which you have selected.
InsureandGo will not pass your details onto any third party that does not either require them for the purpose of processing your insurance product or have a legal right to request access to such data (e.g. Police and Fraud investigators). |
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| Are my credit card details safe? |
Here at InsureandGo we use the services of World Pay and Bibit to process all credit card transactions. Both provide highly secure on-line credit card processing systems that are fully endorsed by the Banks. Indeed World Pay and Bibit are so secure that we at InsureandGo never get to see your card number - all card details are encrypted and secured by World Pay and Bibit for your personal protection. |
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| What if I am over 65? |
You can either buy online or call us on 0870 901 3674 and we can provide you with an immediate quote over the phone. |
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| What guarantee of quality does InsureandGo offer? |
InsureandGo is fully compliant with the Association of British Insurers (ABI) requirements and we follow the ABI Guidelines for the sale of Travel Insurance. |
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| How is InsureandGo regulated? |
We are authorised and regulated by the Financial Services Authority. FSA number 309572. |
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| Am I covered for hazardous Sports or Activities? |
We cover over 40 different adventure sports automatically. You can also be covered for other activities by paying a small additional premium.
1. When travelling with this insurance, you are automatically covered for the following amateur activities without paying any additional premium:
Amateur athletics, Archaeological Digging, Archery, Badminton, Baseball, Basketball, Bridge Walking (supervised by a fully trained guide), Canoeing, Cave Tubing or River Tubing, Cricket, Cycling, Golf, Husky Sledge Driving, Jogging, Marathons, Mountain Biking (not including downhill racing or extreme terrain), Netball, Orienteering, Parasailing, Parascending (over water), Rambling, Refereeing (amateur basis), Roller Blading (inline skating/skate boarding), Running (both sprint & long distance), Safari, Sand Boarding, Sleigh Rides (part of Christmas experience trip to Northern Europe), Squash, Scuba Diving (qualified, max depth 30 metres) under 14 days, Surfing, Swimming, Tennis, Three Bungee Jumps, Trekking (under 2000 metres), Triathlons, Volleyball, Wake Boarding, Water Polo, Water Skiing, White/Black Water Rafting (Grades 1-4).
2. The following amateur activities are also automatically covered without paying any additional premium, but the policy excludes any cover under the Personal Accident and Personal Liability sections:
Abseiling, Boxing Training, Camel/Elephant Riding or Trekking, Canopy Walking or Tree Top Walking, Clay Pigeon Shooting, Conservation or Charity Work (educational & environmental - working with hand tools only), Cycle Touring, Dune and Wadi Bashing, Falconry, Football, Go Karting, Hiking (over 2000 metres, but under 6000 metres), Hockey, Horse Riding (no polo, hunting or jumping), Hot Air Ballooning, Jet Boating, Jet Skiing, Kayaking, Motorcycling (under 50cc) - no racing, Mud Buggying, Paintballing, Passenger (including private or small aircraft or helicopter), Rowing, Sea Kayaking. Target Rifle Shooting, Trekking (over 2000 metres but under 6000 metres), Windsurfing & Yachting (racing & crewing) inside territorial waters, Zip Lining.
3. Furthermore, the following amateur activities can be covered by declaring to, and paying an ADDITIONAL premium to, the issuing agent, but the policy excludes any cover under the Personal Accident and Personal Liability sections:
Breathing Observation Bubble Diving (max depth 30 metres) under 14 days, Flying (piloting private/small aircraft or helicopter), Manual Labour (at ground level, no machinery), Martial Arts (training only), Motorcycling (over 50cc) - no racing, Mountain Biking, Rugby, Scuba Diving (qualified, max depth 40 metres) under 14 days, Sea Canoeing, Scuba Diving (unqualified, max depth 30 metres) under 14 days.
4. Furthermore, the following amateur activities can be covered by declaring to, and paying an ADDITIONAL premium to, the issuing agent, but the policy excludes any cover under the Personal Accident and Personal Liability sections and the excess under the medical section of cover is increased to £200:
American Football, Gliding, Kite Surfing (over land), Parachuting, Paragliding, Parapenting, Parascending (over land & snow), Sand Yachting, Sky Diving, Tall Ship Crewing, White/Black Water Rafting (grade 5 to 6), Yachting (racing or crewing) outside territorial waters.
5. Furthermore, the following amateur activities can be covered by declaring to, and paying an ADDITIONAL premium to, the issuing agent, but the policy excludes any cover under the Personal Accident and Personal Liability sections and the excess under the medical section of cover is increased to £400:
Canyoning, Coasterering, Gorge Swinging or Canyon Swinging, Gorge Walking, Hang-Gliding, High Diving, Horse Jumping (no polo or hunting), Micro Lighting, Ostrich Riding or Racing, Parasailing, Quad Biking, Rock Climbing (not mountaineering), Rock Scrambling, Scuba (qualified, max depth 50 metres) under 14 days, Via Ferrata. |
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| What is the definition of a Couple and Children? |
Couple - any couple (including same sex) in a common law relationship or who have cohabited for at least six months.
Under the Annual Multi-Trip "Couple" cover, can adults travel separately and still be covered? Yes. Insured adults are covered for separate trips under the Annual Multi-Trip policy.
Children - up to three children per travelling insured adult are included for free where the children are under 18 years old - however you must declare their names and ages at the time of purchase. (NB: For children under one year old, please enter an age of 0 in the form). |
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| Pre-existing Medical Conditions |
Whilst the Insurance is not subject to a health warranty we will not be liable for claims where at the time of taking out this insurance (or if there is a change in your medical condition between the date you bought your policy and the booking of each trip, if you have arranged an annual multi-trip policy), the following apply:
- You are aware of any medical condition or set of circumstances which could reasonably be expected to lead to a claim.
- Any person, including those not travelling, whose condition might give rise to a claim:
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is receiving or waiting for hospital investigation or treatment for any undiagnosed condition or set of symptoms;
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is travelling against the advice of a medical practitioner or for the purpose of getting medical treatment abroad; or
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has been given a terminal prognosis, which means your condition will lead to your eventual death.
- We will not be liable for claims unless the condition has been declared to and accepted by underwriters (ring 0870 420 4162), if you or any person insured on your policy:
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has suffered from or received any form of medical advice or treatment or medication for:
- any heart-related or blood circulatory condition (not including mild (see note) well-controlled hypertension suffered in isolation); or
- any breathing condition (not including mild (see note) well-controlled asthma suffered in isolation); or
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has had treatment or consultation for any cancerous condition in the last five years; or
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has been referred to or seen by a hospital doctor or surgeon (other than an A&E doctor), or needed inpatient treatment in the last year.
Note: In this case, ‘mild’ means you are taking no more than two types of medication, and in the case of asthma you are not using more than two inhalers. You must make sure that you tell us about any change in circumstances of yourself or any close relative, happening after the policy has been issued and before you travel. We have the right to alter the terms in line with the change in risk. We will not be liable for claims if you, or any person whose condition may give rise to a claim, are suffering from or have suffered from any diagnosed psychological or psychiatric disorder, anxiety or depression. |
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| How to contact InsureandGo? |
Please call us on 0870 901 3674. Alternatively please email us at info@insureandgo.com or you can write to us at:
Insure & Go Insurance Services Ltd
Maitland House
Warrior Square
Southend-on-Sea
Essex SS1 2AA. |
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| Who is InsureandGo? |
InsureandGo is a specialist insurance provider focused on providing the best value insurance policies in the UK. We do most of our business directly over the web which allows us to keep our premiums to a minimum. All our online travel insurance policies are provided by Europ Assistance Holdings Limited. We also provide specialist policies from other underwriters - call us for details. |
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| Where can I find travel advice on the country I am going to? |
Visit the Foreign & Commonwealth Office by clicking here |
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| How do I buy Travel Insurance online? |
With InsureandGo there are just six simple steps to follow: Enter your travel details into our instant quote generator to get an immediate price. Now click the buy button next to the policy you wish to purchase.
Refine your quote by telling us how many people are travelling and by selecting additional options to increase your cover or save you money. Give us your details (name and address) and those of the party travelling with you.
We summarise the details of the policy you are about to buy, you confirm that this is what you want. You are transferred to our secure server at WorldPay or Bibit where you enter your card (credit or debit) details. You can then see and print your certificate of insurance immediately or have us email it to you - we can also post it to you. |
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