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.
|
