Making a Claim on your Travel Insurance

Personal possessions and ski equipment

For all loss or damage in transit claims, including delayed luggage on your outward journey, retain your tickets and luggage tags and report to the airline, railway company, shipping line, coach company or their handling agent. Obtain a property irregularity report (P.I.R.) form or equivalent form from them. For all damage claims keep the items for inspection.

For all other losses, report to the police as soon as possible but within 24 hours of discovery and obtain a written report from them. Also, report the loss to your tour operator's representative or hotel/apartment manager whenever it is appropriate.

For all damage claims obtain an estimate for repairs. In all circumstances, receipts or vouchers for items lost or damaged should be kept as these will help you to substantiate your claim.

As for personal possessions lost or misplaced on the outward journey, receipts for the purchase of essential replacement items must be produced.

For a lost, stolen or destroyed passport you need to supply us with a letter from the consulate stating where the loss was reported and retain all receipts that relate to the necessary incurred costs in replacing the passport.

Personal money

For all losses, report to the police as soon as possible but within 24 hours of discovery and obtain a written report from them. Also report the loss to your tour operator's representative or hotel/apartment manager whenever it is appropriate

Confirmation from your bank will be required of the issue of foreign currency. In the case of sterling, documentary evidence of possession must be produced.

Cancellation or curtailment charges

If you cancel the journey for medical reasons, obtain a claim form and ensure completion of the medical section by your own doctor in your home country. If the journey is curtailed for medical reasons obtain a medical certificate from the treating doctor in the locality where the incident occurred, stating the medical urgency to return home. The 'emergency assistance' company's doctor must agree to this. Receipts and accounts for all expenses incurred must be kept.

Personal accident

Obtain a medical certificate from the treating doctor, in the event of death; we shall require sight of the death certificate, together with any other necessary documentation.

Personal liability

Do not admit responsibility to anyone or agree to pay for any damage, repair, costs, or compensation. Supply full details of the circumstances giving rise to the claim together with any supporting evidence that we may require.

Delayed departure

Obtain a letter from the airline, railway company, shipping line or their handling agent, confirming the reason for the delay and detailing the scheduled and actual departure times.