Travel Insurance FAQ

Does my policy cover repatriation?

Yes all Insureme4 policies include repatriation however as you would expect, the decision to repatriate remains with the insurer.

What is Insurance Premium Tax (IPT) and why is it charged at 17.5%?

Insurance Premium Tax (IPT) is a tax levied by the government and applied to all insurance policies. The majority of insurance products attract a rate of 15% tax, except travel insurance which is charged at 17.5% as dictated by the government. This tax is not to be confused with Value Added Tax (VAT) which for the current year is now 15%.

Can travel start outside of the UK?

No travel must always commence from the UK (including Jersey, Guernsey and the Isle of Man).

Is Insureme4 insurance available to non-UK residents?

No, all Insureme4 clients must have a UK address and should be registered with a UK doctor, unless you have purchased an Insureme4 expat policy, which specifically states you are covered if you do not reside in the UK.

Can I cancel my policy at any time?

Policies are fully refundable within 14 days of booking for any reason, so long as travel has not commenced and no potential claim has been encountered. However, after 14 days policies are non-refundable but can be upgraded but may be subject to an additional premium.

Can I make changes to my policy?

Yes, upgrades can be made at any time within the terms and conditions of the policy. However it isn't possible to reduce coverage in return for a partial refund.

Do I need to advise Insureme4 of any changes to my health or medical conditions?

Yes, any changes to your health / medical conditions since purchasing your policy need to be declared. It is commonplace for underwriters to accept new conditions at no extra cost if you have purchased a single trip policy. For annual multi-trip policies it may be necessary to screen your condition prior to acceptance. A separate premium may be payable for the latter, or a pro-rata refund agreed if cover cannot be provided.

Can I renew my policy whilst travelling?

Annual policies can be renewed to run concurrently, simply notify us at least one day before expiry. Except in extreme circumstances, single trip and long-stay policies cannot be extended once your trip has begun. We strongly recommend you contact us prior to travel should you need to adjust your trip duration.

What should I do if there is a mistake on my policy?

Should you notice an error on your policy, please call customer services on 0845 508 1325 and we will be happy to assist.

Who do I contact if I need to make a claim?

Depending on the nature of the incident, you should contact Mondial Assistance (UK) Limited on the following number: -

GENERAL TRAVEL INSURANCE CLAIMS: 0208 8666 9306

What's Insureme4's definition of a 'couple'?

A couple is defined as husband and wife or common-law partners (including same sex partners) who have lived together at the same address for at least six consecutive months. For annual multi-trip cover each adult may travel independently.

What's the definition of a 'family'?

A family is defined as husband and wife or common-law partners and dependent children under 18 years old. Your children must be in full-time education and/or residing with you.

NOTE: Children under 2 years old are covered free of charge, therefore a couple with infants (below 2 years) should tick the ‘couple' discount box in order to receive the appropriate discounted premium. For annual multi trip cover adults may travel independently but the children must travel with at least one of the insured adults included on the policy.

What's the definition of a 'single parent'?

A single parent family is defined as one adult and any dependent child below 18 years of age, in full time education or residing with you. For annual multi trip cover the adult may travel independently however each child must travel with the insured adult

What should I do if I have not received my policy?

All policy documents are sent out by email and usually arrive within 2 minutes where an email address has been provided. However, occasionally the email can be rejected by your Internet Service Provider due to limited in-box size or it can be wrongly identified as spam.

As a general rule if you have not received your policy within 4 hours of making your booking call our dedicated customer service department on 0845 508 1325 who will check your email address and resend.

What should I do if I can't open my policy documents?

Your policy wording document is sent as a PDF file which can only be viewed through Adobe Reader. If not already installed on your computer this program can be downloaded for FREE using the following link http://get.adobe.com/uk/reader. However, if you are still experiencing difficulties please contact customer services on 0870 508 9886 who will be happy to help you.

What should I do if I haven't received my posted policy documents?

Please allow 5 working days for UK postage before calling customer services on 0845 508 1325.

What is the maximum trip duration for an annual multi trip policy?

This varies according to your age. If you are currently or were under 65 years of age when the contract was purchased the standard maximum trip duration is 50 days, although can be extended to 100 days for a small additional cost.

What is the maximum trip duration for a single trip/long stay policy?

This varies according to your age and destination, see table below...

Does annual multi-trip insurance cover travel within the UK?

Yes, travel within the UK is covered as long as the trip lasts a minimum of 2 nights and (a) includes pre-booked travel or accommodation OR (b) is more than 25 miles from your home (unless it involves a sea crossing).

Does Insureme4 travel insurance include business or voluntary work?

As a general rule Insureme4 policies don't cover manual work, except for work undertaken on a voluntary basis, in which cover excludes; the use of, installation, assembly, maintenance or repair of heavy electrical, mechanical or hydraulic equipment and working at heights above 3 metres. We recommend that you check Section 1 (Cancellation & Curtailment) of the policy wording to ensure that you are familiar with any other clauses prior to taking out this policy.

Does Insureme4 annual multi-trip insurance cover winter sport?

Our Basics annual multi-trip policy does not provide winter sports cover, however all other policies include up to 17 days* as standard which can be extended to 31 days upon payment of an additional premium. (* 17 days may be shared over several trips).