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UK instant online travel & holiday insurance cover

Travel Insurance Policies for UK Residents in Brief

With instant online quote and immediate certificate & policy cover. Travel insurance in an instance without any hassle and with totally safe online transaction from start to finish. Covering backpackers and student cover as well as wintersport for ski and snowboarders and more as well as multi & single trip policies, annual and seasonal cover for resort workers who maybe in a ski resort or holiday complex for a matter of months and need adequate cover but do not want to pay the normal travel and holiday insurance rates.

Online Travel Insurance Booking Procuedures Explained in Brief

You will be presented with an instant online holiday insurance quote for your selected insurance package which could be for Europe or Worldwide or ski wintersport cover for example and for your selected dates of travel. You can then either select that policy or choose an annual policy which is also returned, this is usually slightly more but obviously it covers you for a full year and not just a single trip. You then enter your details with your credit card details being last of all. You can print off your travel insurance policy and cover details online immediately. You will receive your insurance certificate also via email and regular post.
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Call one of our Travel Insurance Agents

Become a Travel Insurance affiliate and earn moneyUK Instant Holiday Insurance in Partnership with Essential Travel.

UK Holiday Insurance Claims & General Travel Tips.

All required policy cover details and emergency telephone numbers will be on the insurance documents you receive online and via email.


Read about our various travel insurance policies and find the right one for you and your family

Find a complete index to our travel insurance products by clicking on the bold text above. With the information on these pages, you can make better use of our comparison and booking software, and obtain the right cover . . . at the right price.

We believe travel insurance should be affordable, solid, and effective. So, these pages offer the cheapest good quality insurance in the UK. Please feel free to click on the link above and read for yourself. If you are already comfortable with the process of taking travel insurance, then simply click on one of the quotation buttons in the blue panels at the top of this page.



Contacting your Emergency Services Provider?

Please Note :
If you bought one of our policies prior to 1st January 2004 then your emergency contact details are as follows. For emergency contact details for policies purchased after this date then click here


24 HOURS MEDICAL EMERGENCY SERVICE OPERATED BY MEDI-CALL LIMITED

We try to make any claims procedures as easy as possible, but by reading a few of the rules below you can make any possible holiday claim you may need to make a lot easier.


IMPORTANT - please quote Essential Travel and Scheme Number shown on the first page of your Certificate and Your Certificate Schedule Number.

Medi-Call Limited provides immediate help in the event of Your illness or injury arising outside the UK (United Kingdom) - they provide 24 hour multi-lingual emergency service 365 days a year and can be contacted by telephone, telex or fax.

UK Insurance Emergency Telephone Numbers

Should a serious medical problem arise You must contact Medi-Call Limited immediately.

(+44) 1273 321976
Fax: UK (+44) 1273 731261

Responsibility

You are responsible in advising Your attending doctor to seek prior approval for any treatment except in extreme circumstances where a request for prior approval would delay surgery in a life threatening situation or medical crisis. Failure to contact Medi-Call Ltd may limit the benefits payable, or in certain circumstances, insurance cover will not be provided.

When You call upon the services of Medi-Call Ltd it is a condition of the service that First Assist shall solely be responsible for all decisions on the most suitable and reasonable solution to any medical problem. The service includes, where necessary:

1. Multi-lingual assistance with hospitals and doctors
2. Repatriation arrangements and necessary escorts by a medical attendant
3. Travel arrangements for other members of Your party or next-of-kin
4. On arrival in the United Kingdom, an ambulance service to hospital or home.

Please note: We are not responsible for the availability, quality or results of any medical treatment received by You.



Ho To Make a Travel Insurance Claim from policies bought BEFORE 1st January 2004

All claims other than Medical Emergency Assistance must be made direct to:

CLAIMS SETTLEMENT AGENCIES
308-314 LONDON ROAD
HADLEIGH
ESSEX SS7 2DD
Telephone 01702 553443
Fax 01702 553231


They will send You a travel insurance claim form which You will need to complete and return to them with Your Certificate Schedule and any other documents requested. All Claims must be submitted within 31 days.


Claims Agency
For all claims we use Claims Settlement Agencies Limited who have been settling claims since 1990 and is our preferred Loss Adjusters and also handles certain insurance claims for other insurers such as AXA. They are experienced in handling and maintaining large corporate accounts in particular Air Miles. They currently have 25 staff who are processing approximately 25,000 claims per year
.



Emergency contact details for policies bought after 1st January 2004

Emergency Medical Assistance.

It is important that in the event that you need to contact the medical emergency you must quote Optimum and your policy number ET/AON (followed by your number)

Travelsolve Assistance provides immediate help in the event of an insured persons illness or injury arising outside the United Kingdom, they provide 24 hour multi-lingual emergency service 365 days a year and can be contacted by telephone or fax.

Emergency Numbers are:

UK: +44 (0) 1733 457593

FAX: +44 (0) 1733 502293

When an insured person calls upon the services of Travelsolve Assistance it is condition of service that Travelsolve Assistance shall be responsible for all decisions on the most suitable and reasonable solution to any medical problem. The service includes, where necessary:

1. Multi-lingual assistance with hospitals and doctors.
2. Repatriation arrangements by escort by a medical attendant.
3. Travel arrangements for other members of your party or immediate relative.
4. On arrival in the United Kingdom, an ambulance service to hospital or home.

NOTE: FAILURE TO CONTACT THE ASSISTANCE COMPANY MAY RESULT IN A CLAIM BEING INVALID.



Making A Claim on policies bought ON or AFTER 1st January 2004

If you need to make a claim please obtain a claim form by telephoning or
writing to our claims handlers. Please note that for your claim to be considered
you must register this within 28 days of returning from you trip.

When contacting the claims company please insure that you quote Optimum and your policy number that will start ET/AON (followed by your policy number)

At Instant Holiday Insurance we use Claims International Limited (CIL) who are the market leaders and are the leading specialist in there field. They have a large portfolio which includes travel and medical related claims handling, policy administration services and fulfillment services, financial protection and credit card enhancement and other related claims handling products.

From 1992, CIL has been a wholly owned subsidiary of the Lindsey Morden Group of companies and as such forms part of a global network of claims handling companies, including Cunningham Lindsey, the UK's largest loss Adjuster.

CIL has managed and administered over 140,000 claims per annum and has strong working relationships with major Insurers and Intermediaries as well as Lloyds Underwriters and other insurance based clients.

In the event if having to make a claim on your travel insurance policy please use the contact details below:

Claims International Ltd
14th Floor
Leon House
201-204 High Street
Croydon CR9 1ER


TEL: 0208 680 5142
FAX: 0208 760 0298

info@cilint.com


Once you have contact the relevant department, please return your claims form, with your original policy documents, and please insure you have photocopies or any paper work that is requested from the claims company.




Tips for Travellers Abroad.

Always take out Travel Insurance well in advance of travelling. The travel insurance policy will cover you for any medical expenses that you incur should you be involved in an accident or become ill and require hospitalisation. Sometimes medical costs can be astronomic and without sufficient insurance cover you could end up in serious trouble.
Apart from medical expenses the policy should also cover things like; legal expenses,cancellation & curtailment, loss of money, baggage, passport, etc. and personal liability.
Make sure you are covered for any activity that you intend to undertake so that you and your equipment are covered while participating, e.g. skiing, scuba diving etc.
Make sure you have a signed, valid passport (and visas, if required). Also, before you go, make sure you fill in the emergency contact information page of your passport! Read the Foreign & Commonwealth Office Information Sheets (and Public Announcements or Travel Warnings, if applicable) for the countries you plan to visit. Familiarise yourself with any local laws and customs of the countries to which you are travelling and avoid violating them whilst on holiday, deal only with authorised agents when you exchange money or purchase art or antiques.
Remember, while you are in a foreign country on holiday, you are subject to its laws. Make two copies of your passport identification page. This will facilitate replacement if your passport is lost or stolen. Leave one copy at home with friends or relatives. Carry the other with you in a separate place from your passport.
Leave a copy of your itinerary with family or friends at home so that you can be contacted in case of an emergency. Never leave your luggage unattended in public areas.
Do not accept packages from strangers.
If you plan to stay abroad for more than two months, upon arrival you should notify by phone or register in person with the British Embassy in the country you are travelling to. This will facilitate communication in case someone contacts the embassy looking for you.
To avoid being a target of crime, try not to wear conspicuous clothing and expensive jewellery and do not carry excessive amounts of money or unnecessary credit cards.
Finally, if you do get into trouble, contact the nearest British Embassy.

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