Index

How do I buy Travel Insurance on-line?
Which Policy is best for me?
What "destination" should I chose?
What countries are in Europe?
How can I get an even better rate?
What if I don't see what I want?
What if I am over 65?
Are my Credit Card details safe?
What is Insure & Go's Privacy Policy?
What Guarantee of Quality does Insure & Go offer?
How is Insure & Go regulated?
Am I covered for hazardous Sports or Activities?
What is the definition of a Couple and Children?
Please explain "Health Conditions"
How to Contact Insure & Go?
Who is Insure & Go?
Where can I find advice on the country I am going to?
What about my Statutory rights ?

How do I buy Travel Insurance on-line?
With Insure & Go there are just 6 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 (click here for help on which policy is best for you).
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, (Click here to see our privacy policy).
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 where you enter your credit card (or debit card) 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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Which Policy is best for me?
We offer basic 3 types of Travel Insurance:

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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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.
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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Long Stay insurance
This policy provides the best value for travellers planning a long journey of over a month - 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!

And Don't forget - you can tailor each of these policies to your exact needs!.
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What "Destination" should I chose?
The Insure & Go travel advice page lists all the countries in the world and which insurance area they fall into.
Visit the page and find your destination, the correct insurance area will be indicated next to the country name.

Please note that for insurance purposes Europe is far bigger than the EU!
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Insure & Go 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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How can I get an even better rate?
Tailoring Your Policy to your needs Insure & Go offers you the option to tailor your insurance package to 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.
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.
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 you have to pay.
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 while travelling.
* 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 web site - or if you have special needs please call us on 0870 901 3674 (or let us call you). We can usually arrange for special cover and custom policies. .
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What if I am over 65?
Please call us on 0870 901 3674 (or let us call you) and we can provide you an immediate quote on the phone. .
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Are my Credit Card details safe?
Here at Insure & Go we use the services of World Pay to process all credit card transactions. World Pay provide a highly secure on-line credit card processing system that is fully endorsed by the Banks. Indeed World Pay is so secure that we here at Insure & Go never get to see you credit card number - all credit card details are encrypted and secured by World Pay for your personal protection. .
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What is Insure & Go's Privacy Policy?
Insure & Go is fully committed to protecting the privacy and confidentiality of your personal information.

Insure & Go is registered with the Data Protection Commissioner and is fully compliant with the Data Protection Act of 1998 came into force on 1 March 2000.

Insure & Go 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.

Insure & Go will not pass your details to any 3rd 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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What Guarantee of Quality does Insure & Go offer? - How is Insure & Go regulated?
Insure & Go is fully compliant with the Association of British Insurers (ABI) requirements and we follow the ABI Guidelines for the sale of Travel Insurance.

We also recommend that you read the ABI Advice on Holiday Insurance (You will need an Adobe Acrobat reader to view this) it is an excellent general guide to purchasing travel insurance and keeping safe whilst travelling.

We are also happy to confirm that Insure & Go complies to the ABI code of practice for selling Travel Insurance on the Internet.

Insure & Go is also covered by the terms of Insurance Ombudsman Bureau and is happy to comply with all recommendations of the bureau..
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Am I covered for hazardous Sports or Activities?
HAZARDOUS ACTIVITES
When travelling with this insurance, You are automatically covered for the following amateur activities without paying any additional premium:
Archery, Badminton, Baseball, Basketball, 3 Bungee Jumps, Canoeing, Cricket, Cycling, Golf, Jogging, Marathons, Netball, Orienteering, Parascending (over water), Rambling, Roller Blading (Inline Skating / Skate Boarding), Running (both Sprint & Long Distance), Safari, Scuba Diving (qualified, max depth 30 metres) under 14 days, Snorkelling, Squash, Swimming, Tennis, Trekking (under 2,000 metres), Triathlons, Volleyball, Water Polo, Water Skiing, White/Black Water Rafting (Grades 1 - 4), Windsurfing and Yachting (both racing and crewing) inside territorial waters.

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, Cycle Touring, Passenger (in private/small aircraft or helicopter), Football, Go Karting, Hiking (over 2,000 metres, but under 6,000 metres), Hockey, Horse Riding (no Polo, Hunting, Jumping), Hot-Air Ballooning, Jet boating, Jet Skiing, Kayaking, Motorcycling (under 50cc) - no Racing, Trekking (over 2,000 metres, but under 6,000 metres).

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:
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 (unqualified, max depth 30 metres) under 14 days, Scuba Diving (qualified, max depth 40 metres) over 14 days, Sea Canoeing, Snow Mobiling, Surfing.

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 A3200:
American Football, Gliding, Paragliding, Parachuting, Parascending (over land), Sand Yachting, Sky Diving, White/Black Water Rafting (Grade 5 to 6), Yachting (racing or crewing) outside territorial waters.

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 A3400:
Canyoning, Hang-Gliding, High Diving, Horse Jumping (no Polo or Hunting), Micro Lighting, Parasailing, Rock Climbing (not Mountaineering), Rock Scrambling.

Any activity not listed above (or any of the above sports on a professional basis), which could be considered a hazardous activity, sport, pastime or employment (involving an increased risk of injury), will NOT be covered under the policy UNLESS declared to, and accepted by, the issuing agent at the time of taking out the policy in return for additional premium and/or changes in cover. .
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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 6 months are entitled to purchase the reduced rate Annual Multi-Trip policy.

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 Couple policy.

Children
Up to 3 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 1 year old, please enter an age of 0 in the form).
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Please explain "Health Conditions"
Whilst the Insurance is not subject to a health warranty, We shall not be liable for claims WHERE AT THE TIME OF TAKING OUT THIS INURANCE (OR IF ANNUAL MULTI-TRIP, PRIOR TO BOOKING EACH SEPARATE TRIP):

You are aware of any medical condition or set of circumstances which could reasonably be expected to give rise to a claim.
Any person, including those not travelling, whose condition may give rise to a claim:
has during the twelve months prior to taking out this insurance (or if Annual Multi-Trip, prior to booking each separate Trip) suffered from any chronic and/or recurring illness of a serious nature which has necessitated consultation or treatment or has been referred for further investigations UNLESS DECLARED TO AND ACCEPTED BY US BY RINGING: 0800 281 488
is suffering from any previously diagnosed psychiatric disorder, anxiety or depression; or
is receiving, or on a waiting list for, in-patient treatment in a hospital or nursing home; or
is expected to give birth before, or within eight weeks of the date of arrival home; or
is travelling against the advice of a Medical Practitioner or for the purpose of obtaining medical treatment abroad; or
has been given a terminal prognosis.
N.B.: The Underwriter must be notified of any changes in circumstances of Yourself or any close relatives occurring after the policy has been issued and prior to departure. .
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How to Contact Insure & Go?
Please call us for free on 0870 901 3674 or we can call you - just click here and enter your phone number and we call you !
Alternatively please email us at info@insureandgo.com
Or you can write to us at:

Insure & Go Ltd.
Warners Mill
Silks Way
Braintree
Essex, CM7 3BG.
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Who is Insure & Go?
Insure & Go is a specialist insurance broker 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 on-line travel insurance policies are underwritten on behalf of a consortium of Insurers including CGNU Insurance, Royal & Sun Alliance plc and CNA Insurance Company (Europe) Ltd by: Travel and Personal Underwriters 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?
Check out the Insure & Go travel advice page to access the UK Government's Foreign and Commonwealth Office travel advice and other relevant travel information sites.
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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.