FAQs
FREQUENTLY ASKED QUESTIONS
Travel Plus Insurance and the cover we offer. If you have a question that is not answered below please use the contact us page.
Single Trip
You must also have been in the UK for a minimum of 6 months in the year prior to purchasing your insurance policy and you are in your home area at the time of purchasing this policy. Any trip that has begun when you purchase this insurance will not be covered.
Note: UK is defined as: Scotland, England, Wales, Northern Ireland, The Channel Islands and the Isle of Man.
65 years or under on the date cover commences for Essential cover, or 75 years or under on the date cover commences for either Premier or Premier Plus covers.
If you are aged over 75, please call us on 02392 419 044. Alternatively, you can get a quote online via our Free Spirit product that has no upper age limit.
If you choose this option (an additional premium will apply) you will be covered for the following activities:
Cross country/big foot skiing (If off-piste or not on recognised paths must be accompanied by qualified guide and in areas that local resort management consider to be safe), Dry slope skiing, Glacier walking accompanied by qualified guide. Husky sledge driving/passenger (No racing or mushing. No personal liability cover), Ice skating, Ice windsurfing (No cover for personal liability), Indoor skiing/snowboarding, Kick sledging, Ski biking/ski-dooing, Skiing/mono-skiing/skiboarding (If off-piste must be accompanied by qualified guide and in areas that local resort management consider to be safe), Ski run walking, Sledging Including sledging as a passenger pulled by horse, dog or reindeer, Sleigh rides as a passenger, Snow biking/go karting (No cover for personal liability), Snow blading, Snow boarding (If off-piste must be accompanied by qualified guide and in areas that local resort management consider to be safe), Snow bobbing, Snow mobiling/scooting (Guided tours only. No personal liability), Snow shoe walking, Snow tubing, Telemarking, Tobogganing, Winter Walking using crampons and ice picks only
(Up to 3,000 metres altitude).
PLEASE NOTE
There is no cover for;
- Activities not listed.
- Participating in the activity as a professional.
- Activities undertaken against local warning or safety guidelines. Note: that you must use the appropriate and recommended safety equipment. This would include the use of safety helmets, life jackets, safety goggles and protective clothing where appropriate.
- Winter sports activities involving ice climbing, ski acrobatics, ski flying, skiing against local authority or resort management warning or advice, ski-stunting, ski jumping, ski mountaineering, or the use of bobsleighs, luges, bungees or skeletons.
We may be able to cover you for other winter sports activities that are not listed above under an alternative product. Please call us on 02392 419 044. We are open Monday to Friday 9am – 5pm, closed Bank Holidays.
Annual Multi-Trip
You must also have been in the UK for a minimum of 6 months in the year prior to purchasing your insurance policy and you are in your home area at the time of purchasing this policy. Any trip that has begun when you purchase this insurance will not be covered.
Note: UK is defined as: Scotland, England, Wales, Northern Ireland, The Channel Islands and the Isle of Man.
65 years or under on the date cover commences for Essential cover
75 years or under on the date cover commences for either Premier or Premier Plus cover
If you are aged over 75 and require Annual Multi-trip cover, please call us on 02392 419 044. Alternatively, you can get a quote online via our Free Spirit product that has no upper age limit.
Note:
For UK residents this applies to any trip within the UK (England, Scotland, Wales or Northern Ireland).
For Channel Island residents this only applies to the particular Channel Island on which you live.
For Isle of Man residents, this applies to any trip within the Isle of Man.
You will be covered for the following activities:
Cross country/big foot skiing (If off-piste or not on recognised paths must be accompanied by qualified guide and in areas that local resort management consider to be safe), Dry slope skiing, Glacier walking Accompanied by qualified guide. Husky sledge driving/passenger (No racing or mushing. No personal liability cover), Ice skating, Ice windsurfing (No cover for personal liability), Indoor skiing/snowboarding, Kick sledging, Ski biking/ski-dooing, Skiing/mono-skiing/skiboarding (If off-piste must be accompanied by qualified guide and in areas that local resort management consider to be safe), Ski run walking, Sledging Including sledging as a passenger pulled by horse, dog or reindeer, Sleigh rides as a passenger, Snow biking/go karting (No cover for personal liability), Snow blading, Snow boarding (If off-piste must be accompanied by qualified guide and in areas that local resort management consider to be safe), Snow bobbing, Snow mobiling/scooting (Guided tours only. No personal liability), Snow shoe walking, Snow tubing, Telemarking, Tobogganing, Winter Walking Using crampons and ice picks only
(Up to 3,000 metres altitude).
PLEASE NOTE
There is no cover for;
- Activities not listed.
- Participating in the activity as a professional.
- Activities undertaken against local warning or safety guidelines. Please note that you must use the appropriate and recommended safety equipment. This would include the use of safety helmets, life jackets, safety goggles and protective clothing where appropriate.
- Winter sports activities involving ice climbing, ski acrobatics, ski flying, skiing against local authority or resort management warning or advice, ski-stunting, ski, jumping, ski mountaineering, or the use of bobsleighs, luges, bungees or skeletons.
We may be able to cover you for other winter sports activities that are not listed above under an alternative product.
Policy Options
If you select this option, all excesses (other than section 17 – Gadget Cover and section 18 – Travel Consumer Dispute) will be increased to £250.
*Business activities are restricted to straightforward business trips i.e. ‘white-collar’ work. Please be aware that the policy excludes cover for most manual work (see Activity Pack 1).
If you have any queries or require wider business cover, please contact us on 02392 419 044.
Other activities (Activity Packs 2- 4) may be covered on payment of an additional premium.
Please click here to view the individual Activity Packs available.
If you are going to take part in an activity not shown in the Activity Packs, please contact us on 02392 419 044.
Medical Assistance
Travel Plus – 24-hour Medical Emergency Assistance Service.
In the event of a medical emergency you must contact the medical emergency assistance service on: +44 (0) 203 819 7170
Further details of this service are shown in your Insurance Policy.
Staff are on call 24 hours a day throughout the year. They will, when necessary, guarantee medical bills and arrange repatriation if required.
Making A Claim
Full details of what you need to do to make a claim are also shown in your Insurance Policy.
Please note: You will be expected to follow the claims procedure shown in your Insurance Policy and to substantiate your claim by providing supporting documents.
Buying Online
Other
Chaucer Syndicates Limited is authorised by the Financial Conduct Authority, regulated by the Prudential Regulation Authority and registered in England and Wales No. 184915, Financial Services Number 204915. Registered Office: Plantation Place, 30 Fenchurch
Street, London, EC3M 3AD.
For section 13 this insurance is underwritten by Liberty Mutual Insurance Europe SE and provided by International Passenger Protection
Limited. Registered Office: IPP House, 22-26 Station Road, West Wickham, Kent BR4 0PR. Registered in England 2498563. Authorised
and regulated by the Financial Conduct Authority.
For section 17 this insurance is administered by Bastion Insurance Services Ltd, and underwritten by Inter Partner Assistance SA UK
Branch (IPA) which is fully owned by the AXAPartners Group.
Inter Partner Assistance is a Belgian firm authorised by the National Bank of Belgium and subject to limited regulation by the Financial
Conduct Authority.
Bastion Insurance Services Ltd are authorised and regulated by the Financial Conduct Authority.
For section 18 this insurance is administered by Legal Insurance Management Ltd (552983) and underwritten by Royal & Sun Alliance
Insurance plc (202323). Both are registered in the UK and authorised and regulated by the Financial Conduct Authority.
Please see the Insurance Policy for full Insurer details.
Children are defined as your children, your partner’s children and the grandchildren of you or your partner including stepchildren, step-grandchildren and fostered or adopted children or grandchildren.
Please read the Insurance Policy for full details of the cover and policy limits provided.
Please refer to the ‘‘Important Exclusions and Conditions Relating to Your Health’ shown in the Insurance Policy.
You will need to declare each traveller’s medical condition(s) if anyone has:
- ever had a heart condition or heart-related condition
- ever received treatment for a respiratory condition requiring a hospital admission or the use of a nebuliser and/or supplementary oxygen
- in the last 5 years had treatment for any form of cancer
- in the last 5 years had treatment for any form of circulatory condition
- in the last 2 years received any surgery, inpatient or outpatient treatment or had any test or investigations in a hospital or clinic or been seen by a specialist consultant
- in the last 6 months had a change in prescribed medication
Note: In some cases, an additional premium may be payable if we are able to cover the declared medical condition(s).
You will not be covered for any trip, where at the time of taking this insurance or booking your trip or paying any further balance payments, if you or anyone to be insured under this policy:
- have any undiagnosed condition or any symptoms that are or should be under investigation
- have any condition for which they are on a waiting list for treatment
- intend travelling against medical advice (or would have had this been sought) or to seek treatment abroad
- have a terminal condition
However, if you or anyone to be insured has a terminal condition, please call us on 02392 419 068 for an individual assessment.
COVID-19 Cover
- Your accidental death, injury, illness or you testing positive for Coronavirus (Covid-19) within 14 days of your trip departure date, or you being admitted to hospital due to testing positive for Coronavirus (Covid-19) since you purchased your policy.
The accidental death, injury or serious illness of the following people:
- Your travelling companion(s)
- A close relative of yours
- Your travel companion
- A close business partner of yours (unless this was related to a pandemic and/or epidemic, including but not limited to Coronavirus (COVID-19).
- If you do not have an official positive test result confirming your diagnosis within 14 days of your trip departure date, or you have not been admitted to hospital due to testing positive for Coronavirus (Covid-19) since you purchased your policy.
- If you are advised to quarantine or you chose to self- isolate due to a person you have come into contact with having Coronavirus (Covid-19).
- If a medical professional advises you not to travel as you have underlying health conditions that place you ‘at a higher risk’ from Coronavirus (Covid-19); as a result of Foreign, Commonwealth & Development Office (FCDO) advice against all (or all but essential) travel to your intended destination.
- As a result local government restrictions or directives prohibiting or restricting entry (for example, self -isolation, quarantine or lockdown measures) to your intended destination or on your return home.
- Any costs of Coronavirus (Covid-19) testing.
We will cover your emergency medical treatment and related expenses if:
- You fall ill or are injured (including with symptoms of or testing positive for Coronavirus (Covid-19)
- You require emergency dental treatment, during your trip, for the level of cover selected, as confirmed in your policy schedule
- You require extra transport and accommodation (up to a similar standard to your original booking) if it is medically necessary for you to stay after the date you were going to return to your home. This includes extra costs you have to pay to return to your home if you cannot use your booked transport. A maximum amount of £2,000 per insured person applies if you have to extend your trip because you have tested positive for Coronavirus (Covid-19).
- Any costs of Coronavirus (Covid-19) testing outside the United Kingdom, unless you are admitted to hospital as an inpatient as a result of an illness.
