Frequently Asked Questions
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Travel Insurance FAQs
Who are the insurers?
This insurance is administered by Voyager Insurance Services Ltd. All sections are underwritten by:
- For residents of the UK (including the Channel Islands and Isle of Man): Starr International (Europe) Limited. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Member of the Association of British Insurers.
- For residents of the EEA: Starr Europe Insurance Limited. Authorised and regulated by the Malta Financial Services Authority (MFSA).
Voyager Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority. FRN 305814.
You can check these details on the Financial Services Register by visiting the FCA's website on www.fca.org.uk/register or by contacting them on (Freephone) 0800 111 6768.
What are the excesses?
These vary from section to section depending on the level of cover you have paid the appropriote premium for. Please refer to the benefits schedule in the policy wording for the relevant product.
What is the period of insurance?
Cover under this insurance starts when you leave your home or place of business in your home country at the start of your trip and finishes immediately upon your return to your home or place of business in your home country for any reason. This will not exceed the period for which the premium has been paid. If your return date is unavoidable delayed for an insured reason, cover will be extended free of charge for the period of the delay. For cancellation only, cover starts at the time the premium is paid or the date you book your trip whichever is later. Personal money will be covered from the time of collection, but not more than 72 hours before travel. If the return is unavoidably delayed for an insured reason, cover will be extended free of charge for the period of the delay. The maximum duration is 62 days (31 days if aged over 74 and travelling to Area 3: Worldwide exc. North America or Area 4: Worldwide inc. North America and 31 days for all areas if aged over 85). Cover for one-way trips will finish 48 hours after arrival in the country of final destination.
The overall period of insurance will be for the 12-month period as shown on the certificate. The insurance covers an unlimited number of holidays/leisure trips starting within that period, provided that no trip is intended to be for longer than 45 days (31 days if aged 70-74). This limit can be extend for those under the age of 70 to 62 days per trip by selecting the appropriate Option and paying the additional premium. The insurance includes up to 21 days winter sports cover and also provides cover for business trips. Cover under this insurance starts when you leave your home or place of business in your home country at the start of your trip and finishes immediately upon your return to your home or place of business in your home country for any reason. For cancellation only, cover starts at the time you pay the premium, or when you book your trip whichever is the later. Personal money will be covered from the time of collection but no more than 72 hours before you travel. If your return is unavoidably delayed for an insured reason, cover will be extended free of charge for the period of the delay.
As per short stay, but the maximum duration is 18 months. The maximum duration may be extended up to a maximum of 24 months subject to individual referral and must be agreed by us and confirmed in writing. The long stay policy allows the insured to visit their home country for up to 2 weeks at a time, providing the visit is not subject to a claim. Cover under the policy is temporarily suspended for the duration of these visits.
Can I work abroad and still be covered?
Yes, so long as it is not heavy or hazardous manual work such as building work. Bar work and grape picking, for example, would be covered. However the insurance will not provide any cover under Personal Liability (Section 10) for any claim arising out of or in connection with any work of any nature, or Personal Accident (section 4) on the policy for claims arising out of or in connection with manual work.
Manual work means work that involves hands-on use, installation, assembly, maintenance or repair of electrical, mechanical or hydraulic plant, heavy power tools and industrial machinery, and hands-on electrical and construction work or work above two storeys or 3 metres above ground level (whichever is the lower), building sites, any occupation involving heavy lifting. Manual work does not include work that is purely managerial/supervisory, sales or administrative capacity, bar, restaurant and catering trade staff, musicians and singers, fruit pickers (who do not use heavy machinery), casual light work, light agricultural work, supervised conservation work, voluntary charity work labour where there is no financial gain and supervised animal sanctuary work. Cover excludes interaction with dangerous wild animals such as lions, tigers or big cats of any kind.
Please telephone Voyager Insurance Services Ltd on 01483 806 680 if you are unsure whether a particular type of work will be covered.
Does the age limit apply at the date of departure or date of buying the insurance?
- Short Stay = No age limit, age applies at the date of departure
- Long Stay = 59 years at the date of departure
- Annual = 74 years at the start date of the insurance
What is the maximum time I can go abroad for?
- Short Stay = 62 days (31 days if aged over 74 and travelling to Area 3: Worldwide exc. North America or Area 4: Worldwide inc. North America and 31 days for all areas aged 85+)
- Long Stay = The maximum duration may be extended up to a maximum of 24 months subject to individual referral and must be agreed by us and confirmed in writing.
- Annual = 45 days any one trip (31 days if aged 70-74). By selecting the appropriate Option and paying the additional premium this can be extended to 62 days for those aged up to 69. Winter sports up to a maximum of 21 days in all including travelling time (maximum age 74).
What is the definition of a family?
Single Trip - two adults and all of their children (including foster children) aged 17 and under (20 and under if in full time education). All persons must live at the same address.
Single Parent family definition - One adult and their dependent children (including foster childer) aged 17 and under (20 and under if in full time education) at the date of departure. All persons must live at the same address.
Annual Multi-Trip - two adults and all of their children (including foster children) aged 17 and under (20 and under if in full time education). All persons must live at the same address. On annual multi-trip policies all insured persons are entitled to travel separately providing all travellers are named on the certificate of insurance.
Can I travel one-way?
If you are going on a one-way trip all cover will finish 48 hours after your arrival in the country of final destination, unless you have selected and paid the additional premium for the one way trip extended cover option and this is shown on your certificate. In this instance, your cover will finish at the date you have selected after arrival in the country of final destination up to a maximum of 31 days from the date of arrival in the country of final destination. In no event can the duration of cover exceed the maximum trip duration shown in the policy features table within the policy wording.
Can I stopover in the USA on my way to Australia, but pay the Australian rate?
Short Stay - Yes, stopovers of up to 48 hours (in each direction) in a higher rated area are covered.
Long Stay - Yes, the rating area for long stay is determined by where more than 50% of your time will be spent.
Can non-UK residents buy the insurance?
Yes. This policy is available to residents of the European Economic Area (EEA).
European Economic Area (EEA) means Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and United Kingdom.
How do I find out if a country is, for example either Europe or Worldwide?
Please refer to the Territorial Limits section within the policy wording, as shown below, as this gives advice on which countries are in which areas.
You are covered for trips to countries within the following areas provided that you have paid the appropriate premium, as shown in your certificate;
Area 1 The United Kingdom and Northern Ireland.
Area 2 The continent of Europe West of the Ural mountains, any country with a Mediterranean coastline, (excluding Algeria, Libya, Syria and Israel) Channel Islands, the Canary Islands, the Isle of Man, Madeira and Iceland (including Area 1).
Area 3 Worldwide excluding North America, as defined.
Area 4 Worldwide including North America, as defined.
North America means the United States of America, Canada, Mexico, the Caribbean islands, Bahamas & Bermuda.
If you have bought the Annual Multi-Trip option, trips wholly within your home country are also insured but only if they include a minimum of 2 nights away from home using pre-booked, pre-paid accommodation or transport.
Stop-overs in a country within a higher area are insured provided they do not exceed 48 hours in each direction.
For Longstay policies, rating is determined by where you will spend more than 50% of your time but includes cover for your time spent in a higher rated area, if applicable.
What should I do if I am not satisfied with the service?
In the unlikely event that you are not satisfied with the level of service provided, we would ask you to then follow the procedure laid out under the heading Complaints Procedure within the policy wording.
How do you calculate the number of days for insurance? E.g. if my flight leaves at 23.30hrs, do I pay the extra day?
Yes. The rating bands have been designed to take in the majority of travel periods, e.g. the average 2 week holiday comes under the 17 day rating band allowing for one or two extra days either side.
Can I remove sections of cover?
We regret that we are no longer able to offer the choice to remove any policy sections.
Am I covered if I had a stroke 4 months ago and my doctor says I'm fit to travel?
Please read the 'Important Conditions and Questions Relating to Health and Activities' section shown in the policy wording. If during your application you answer No to "Important Conditions and Questions Relating to Health and Activities" Question 2 and therefore opted not to apply to cover Pre-Existing Medical Conditions, you have no cover for any claim directly or indirectly related to your Pre-Existing Medical Condition(s), in accordance with the policy terms, conditions and exclusions (irrespective of if they could have been covered had you chosen to answer Yes to apply for and declare such Pre-Existing Medical Condition(s) and they could have been subsequently covered).
There is also no cover under this policy for claims related directly or indirectly to these conditions if you have answered Yes to any of the Questions 1 and 3 - 8, unless agreed by Us in writing and noted on your certificate. Please refer to General Conditions 1,2 & 3 in the Policy Wording.
However, cover may be available through our online medical screening facility when getting a quote or by contacting Voyager Healthcheck on 01483 806 666 with a small additional premium.
Who handles claims?
For all claims other than medical emergencies the fastest and simplest way to make a claim is by using our online claims system at www.submitaclaim.co.uk/voyager. Alternatively, please request the appropriate claim form by telephoning Claims Settlement Agencies Ltd on +44 (0) 01702 427 172 or emailing firstname.lastname@example.org or via their website at www.csal.co.uk. Please quote Voyager Plus 2019/20 in all correspondence.
Who provides the 24-hour emergency service?
In the case of medical emergency please contact Global Response on telephone +44 (0) 2920 468 794 or emailing email@example.com. Please quote Voyager Plus 2019/20 in all correspondence
Who should be informed about pre-existing medical conditions?
Clients should use our online medical screening facility when getting a quote or call Voyager Healthcheck on 01483 806 666 if they answer YES to questions 3-6 in the 'Important Questions and Conditions Relating to Health and Activities' flowchart within the policy wording.
You must tell us if, at any time during the period of insurance and each time you make arrangements to travel, there is a change in circumstances and you answer ‘yes’ to any of the Important Conditions and Questions Relating to Health & Activities by contacting Voyager Healthcheck or Voyager Insurance Services, as shown, as soon as possible so that we may reassess your coverage relating to any trips you have booked or may wish to book in the future. Please refer to General Conditions 1 & 2 in the policy wording.
Can I cancel my holiday because of lack of snow?
No, this cannot be covered under any travel insurance policy that we are aware of.
Is off-piste skiing covered?
Yes, provided you have paid the winter sports premium and all local safety guidelines are observed.
Is snowboarding covered?
Yes, providing the appropriate winter sports premium has been paid for Short Stay or Long Stay policies. There is 21 days winter sports cover automatically including in an Annual Multi-trip policy
Is piste closure covered?
Yes, under the Short Stay and Annual Multi-Trip policy only.
Am I covered if my skis are stolen from the car roof when I have stopped for a meal whilst travelling to another resort?
Yes, but they must be locked on to the rack and must have been forcibly removed. There is no cover for skis left in a vehicle overnight.
What ski cover is provided under the different policies?
Short Stay - When the appropriate premium is paid for winter sports, cover is extended to allow winter sports activities and provides cover for winter sports equipment, ski pack and piste closure up to a maximum of 31 days.
Annual Multi-Trip - The policy includes up to a total of 21 days winter sports cover for the entire duration of the policy. Cover is provided for winter sports equipment, ski pack and piste closure.
Long Stay - Winter sports cover for a maximum of 31 days is available by paying the additional winter sports premium. Cover is provided for winter sports equipment and ski pack. Please note there is no cover under long stay for piste closure.
I go skiing for 4 weeks every year. Can I extend the 21 days on my Annual Multi-Trip policy?
No. We would recommend the Single Trip policy with winter sports cover added.
Am I covered if I miss my flight because of a traffic jam on the motorway?
Yes, if there is a road traffic accident or vehicle breakdown delaying the vehicle you are travelling in so that you arrive at the departure point in your itinerary too late to board the public transport you have booked.
Am I covered if my flight from Glasgow to Heathrow is delayed for my onward journey?
Yes, for necessary additional accommodation and travel expenses up to the policy limit, provided you have left sufficient time between the two flights, i.e. planned to arrive at your departure point at the earliest scheduled check-in time.
Please refer to the policy wording section headed 'important information'.
Am I covered if I lose my contact lenses?
No. Loss, theft or damage to contact lenses is specifically excluded by the policy
What is a "reasonable allowance for wear or tear"?
A deduction from the amount paid for the item to reflect its age and likely condition at the time of the loss. The policy is one of indemnity, not "new for old".
Are my belongings covered if they are on a roof rack?
Assuming the items are in a locked roof box, the insurance will pay up to the policy limits. The policy limit for items stolen from an unattended vehicle between 8pm and 8am is £/€100. This limit does not apply at other time of days providing you are between points of overnight accommodation. However, valuable items, passports and money are not covered when left in a car at any time.
What should I do if the airline loses or damages my suitcase?
You should report the incident immediately and obtain a "Property Irregularity Report" from the airline.
Also, in the event that the airline loses your luggage, you can also utilise our 'Voyager Bag Back Recovery Service' as explained in the policy wording. Providing you remembered to insert one of the slips, you received with your policy documents at the time of purchase, into the lost item of luggage.
What happens if the police don't write me a report?
You should obtain a report from your holiday representative, hotelier or local tourist office wherever possible, confirming the loss and reasons why the police would not help.
What should I do if I don't discover a loss or breakage until I get home?
Notify Claims Settlement Agencies by calling 01702 427 172 and the carrier if you believe it happened whilst in transit. Also inform your tour operator and hotel where relevant.
Is my digital video camera worth £750 covered?
It is covered for Loss, theft or damage, under the valuables sub-section within the overall baggage section, up to the single item limit of £750 if you opted for and paid the appropriote premium for the 'black' level of cover. Please note that the cover for valuables varies across each level of cover. If you select the Gadget Insurance option and pay the appropriate additional premium then gadgets, including digital video cameras, are covered up to a maximum per item of £750 across all levels of cover.
What should I do with my belongings if I've gone to the beach and want to have a swim? My hostel doesn't have a safe place to keep them?
Personal money and valuable items are not covered whilst unattended unless locked in a hotel safe or your private accommodation. If necessary, ask someone YOU KNOW to look after your belongings. The policy will not cover more than £/€100 for items left unattended in a public place including on a beach.
If I make a claim under this insurance for some stolen personal effects, will you make a counter claim against my household insurers?
Yes this is a common practice for most classes of insurance and helps keep the overall premium down. It will not prejudice any No Claims Bonus on your household insurance.
What is the single item limit?
- Standard Cover = £/€100
- Prime Cover = £/€300
- Black Cover = £/€400
Am I covered if I accidentally cause damage in the hotel I'm staying in?
Yes, up to the policy limit, but subject to the excess (See section 10 Personal liability in the policy wording).
Why isn't personal liability covered under your personal travel insurance whilst driving?
Travel insurance policies are not designed to provide this sort of cover. We would strongly recommend the purchase of a third party liability top-up policy.
Am I covered for cancellation if one of my relatives is taken ill?
Yes, subject to the policy terms and conditions relating to the health of travelling companions and others on whom the journey may depend. The insurance will pay your cancellation costs if your husband or wife (or partner with whom you are living at the same address), parent, grandparent, parent-in-law, brother, sister, child, grandchild, brother-in-law, sister-in-law, son-in-law, daughter-in-law, or fiancé(e) are taken ill before you are due to go away necessitating you to cancel the trip.
My holiday is costing me £6,000 but there is only cover up to £5,000. Can I pay a supplement to cover for the extra risk?
In some circumstances it may be possible, please contact Voyager Insurance on 01483 806 680.
I have just been posted overseas when I should be on holiday. Am I covered to cancel?
Yes. If you are a member of the Armed Forces and you are unexpectedly required for emergency and unavoidable duty, you are covered for cancellation. This also applies in certain circumstances to police, fire, nursing, ambulance or coastguard services provided that at the time of booking your trip you had no reason to believe that you would be called for duty.
I've just been made redundant. Can I cancel my holiday?
Yes, provided that you are entitled to payment under the current redundancy payment legislation and at the time of booking your trip you had no reason to believe that you would be made redundant.
If I have to return home for an insured reason, will the insurance compensate me for my lost holiday?
Curtailment means cutting your planned trip short by early return to your home country or admission to hospital as an in-patient so that you lose the benefit of accommodation you have paid for or being confined to your accommodation. The insurance will pay on the basis of the number of complete nights accommodation lost. In respect of travel expenses, the insurance will pay for any additional costs, but not for the loss of pre-booked arrangements.
If I am delayed at the port due to a blockade of the port am I covered to cancel?
If you are delayed at the port for 12 hours or more for any of the reasons specified in the policy wording, you are entitled to the delay benefit as stated. If this is due to a strike or similar action, this must not have already started or been announced at the time you arranged your trip. However, occasionally it may be necessary to abandon the trip, in which case you are covered for the cost of the trip to the maximum claimable under section 1.
If I'm stuck at the airport because my flight is delayed can I cancel and go home?
Yes, if the your outbound flight from your home country has been delayed for 12 hours or more. Please refer to section 5 - Travel delay and Abandonment for the specific terms and exclusions.
Why is the personal accident payment reduced for me? I am 72 years old and I am paying extra premium anyway.
The personal accident payment is reduced for those aged under 16. The policy excludes Permanent Total Disablement claims for those over statutory retirement age who are not in full time paid employment. This is because the benefit is designed to compensate the insured's family in the event that the insured is unable to work.
Am I covered for the dentist abroad?
Yes, up to £/€500 depending on the level of cover for emergency dental treatment to natural teeth for the immediate relief of pain only.
I don't need travel insurance because I'm covered under the EHIC. Is this right?
This is a common misconception. The EHIC in Europe and Medicare in Australia provide reciprocal health arrangements with the UK. However, there are many restrictions such as payment is often limited to a percentage of the total cost; it only applies in certain cases; on-going drugs to treat the condition are not covered nor are ambulance costs and repatriation costs. Under section 2 - Emergency medical expenses, you will not have to pay a policy excess if your claim is reduced by using the EHIC.
What activities are covered under the insurance?
|This policy automatically covers you to undertake the activities listed below on an amateur basis|
|Abseiling||Fell Walking||Rafting (grades 1-3)|
|Angling||Fishing (Angling)||Rifle range shooting|
|Archery||Flying (in light aircraft as passenger, not piloting)||Roller blading|
|Athletics||Football (recreational or incidental soccer)||Roller skating|
|Badminton||Glacier walking (under 2,000m W/S premium must be paid)||Rounders|
|Ballooning||Gliding (as a passenger, not piloting)||Rowing|
|Banana boating||Go Karting below 250cc||Safari (organised trips only)|
|Baseball||Golf||Sailboarding (inside 12 mile limit)|
|Basketball||Handball||Sailing yachts (longer than 10 metres, within 60 miles of a safe haven)|
|Biathlon||Hiking/trekking/walking below 4,000m||Scuba diving (maximum depth 30m)|
|Big foot skiing (W/S premium must be paid)||Hill Walking||Skateboarding (recreational)|
|Black water rafting||Hockey||Skiing (W/S premium must be paid)|
|Boating (any craft less than 10 metres long, inside 12 mile limit)||Horse Riding (NOT competitions, racing, jumping or hunting)||Sledging (W/S premium must be paid)|
|Boardsailing||Hot Air Ballooning (as a passenger only)||Sleigh riding (pulled by reindeer, horses or dogs)|
|Bowls||Ice Skating (on a rink, recreational only)||Snooker|
|Bowling||Indoor Climbing (on climbing wall only)||Snorkelling|
|Bungee Jumping (incidental 1-3 jumps)||Jet Skiing||Snowboarding (W/S premium must be paid)|
|Camel Riding||Kayaking (grades 1-3 rivers/sea)||Snowmobiling (W/S premium must be paid)|
|Canoeing (grades 1-3)||Kite buggying (single seat)||Softball|
|Clay pigeon shooting||Kite flying (traction)||Squash|
|Climbing (indoor only)||Kite surfing (over water)||Surfing|
|Croquet||Mono-skiing (W/S premium must be paid)||Tai chi (non-contact)|
|Cross country skiing (W/S premium must be paid)||Motorcycling (on road, provided you hold an appropriate full licence and are wearing a helmet, max 31 days any one trip)||Ten pin bowling|
|Curling||Mountain biking (not competition or downhill)||Tennis|
|Cycling (recreational, not BMX, competition or stunting)||Netball||Tobogganing (W/S premium must be paid)|
|Dance||Off-piste skiing (providing local safety guidelines and warnings are observed, W/S premium must be paid)||Trampolining (recreational)|
|Deep sea fishing (recreational inside 12 mile limit)||Orienteering||Volleyball|
|Dinghy sailing (inside 12 mile limit)||Paintballing||Water polo|
|Diving (recreational)||Parascending (towed by boat)||Water skiing|
|Dog sledging||Pistol shooting||Water tubing|
|Dry slope skiing||Pony trekking||White water canoeing/rafting (up to grade 3 rivers only)|
|Elephant trekking||Racquet ball||Windsurfing (inside 12 mile limit)|
|Fell running||Yachting (longer than 10 metres, within 60 miles of a safe haven)|
|Action (not applicable to Long Stay policies unless declared to us and confirmed in writing)|
|In addition to the activities listed above, the following activities will also be covered on an amateur basis are subject to a 50% premium load.|
|Bungee jumping (more than 3 jumps)||Glacier Walking (2000m-4000m, W/S premium must be paid)||Rafting (grade 4 and over)|
|Canoeing (grade 4 and over)||Gliding (as pilot with necessary licence)||Scuba diving (maximum depth 40m)|
|Cycling (including event training)||Gymnastics||Skateboarding (demonstration or competitive)|
|Flying (piloting of light aircraft as PPL holder)||Kayaking (grade 4 and over)||White water canoeing/rafting (grade 4 and over)|
|Football (amateur competition/tour)||Marathon running (not exceeding Olympic distance)|
|Action Plus (not applicable to Long Stay policies unless declared to us and confirmed in writing)|
|In addition to the activities listed above, the following activities will also be covered on an amateur basis are are subject to a 100% premium load.|
|American Football||Kick boxing (training only)|
|Bouldering (with crash pad; max height 7m)||Heli Skiing (with a qualified guide, W/S premium must be paid)||Martial arts (training only; excluding mixed martial arts)|
|Canyoning||Horse riding (including jumping but not racing/hunting)||Polo (elephant or horse)|
|Cat skiing (With a qualified local guide, W/S premium must be paid)||Hurling||Roller hockey|
|Cycling (including competition but not BMX or stunting)||Ice hockey (W/S premium must be paid)||Rugby union & league|
|Flying (piloting of light aircraft under instruction)||Judo (training only)||Sailing (more than 60 miles from safe haven)|
|Gaelic Football||Karate (training only)||Triathlon (not exceeding Olympic distance)|
|Gliding (as pilot under instruction)||Kendo (training only)|
Special conditions and exclusions applicable to Action and Action Plus activities.
Please Note: Whilst participating in any of the activities listed under Action or Action Plus, the following will apply:
- no cover will be provided under section 4 - Personal accident.
- no cover will be provided under section 10 - Personal liability.
- the policy excess under section 2 - Emergency medical expenses will be increased to £/€200 per person per claim.
- Any involvement in these sports and/or activities is subject to your compliance with local laws and regulations and the use of recommended safety equipment (such as a helmet, harness, knee and/or elbow pads). Please note the normal policy terms and conditions will still apply in other respects
Please also refer to the general exclusions and conditions.
Cover for other activities may be provided if declared to and accepted by Voyager Insurance Services (01483 806 680). We reserve the right to apply special terms and conditions and an additional premium may also apply. Please see General Exclusions 8 to 11, in the policy wording for more information.
Winter sports activities are excluded unless the appropriate additional premium has been paid. 21 days Winter sports is included as standard on Annual Multi-trip policies. In no event, however, is cover granted for winter sports if you are aged over 74 or for ski jumping, big air, aerials, freestyle or stunting.
Please note you are not covered for anything caused by you travelling on a motor cycle, unless the rider holds an appropriate valid licence and all persons insured are wearing crash helmets. There is no cover under personal Liability for anything relating to your ownership possession or use of motorised vehicles.
Is there cover for cash under the Long Stay policy?
Yes, the policy limit is:
- Standard Cover = £/€200 (£/€50 for under 18's)
- Prime Cover = £/€300 (£/€50 for under 18's)
- Black Cover = £/€500 (£/€50 for under 18's)
If I decide to stay abroad for longer can I extend my cover?
Yes, on a Long stay policy provided you notify us prior to your cover lapsing and subject to there being no claims pending and that you are not aware of any potential claims, your policy can be extended. In no event can the insurance exceed 24 months.
I returned to the UK for my Grandfather's funeral and used my existing flight ticket to come home. I still have 6 months of my planned trip outstanding. Will the insurance pay for me to go back out and return?
No. The policy covers return trips to your home country of up to 2 weeks, provided these are not subject to a claim. So the policy can continue if the client wishes to pay for their own flights back out.
Am I covered for bar work?
Yes. You will be covered under all sections except personal liability and personal accident. Please refer to manual work notes and the definition of manual work within the policy wording.
I'm in Australia and I've had all my money stolen. Can I get emergency funds sent out to me from the insurers?
No, but you can contact the 24 hour Emergency Service +44 (0) 2920 468 794 who will advise what is the best course of action.
I am planning to spend 8 months in Australia and 4 months in other countries around the world. What premium do I pay?
Your premium is calculated at the rate for the area where you will be spending more than 50% of your time.
Can I return to the UK for short breaks to visit my family during the duration of my Longstay policy?
Yes. A return to the UK is allowed for up to 2 weeks on your Longstay policy. However, no cover would be in force whilst in the UK.
Can my children travel separately under the family Annual multi-trip policy?
Yes family members can travel separately.
If I am on a business trip and I'm taken seriously ill, can a colleague be sent out to cover me?
Yes, the insurance will pay for reasonable additional accommodation and travel expenses if a close business colleague has to travel overseas to finish any essential business commitments which were interrupted because of your death, injury or illness during the trip.
Am I covered for holidays in the UK on the Annual multi-trip policy?
If you have bought the annual multi-trip option, trips wholly within your home country are also insured but only if they include a minimum of 2 nights away from home using pre-booked, pre-paid accommodation or transport.
Does my age count from the date of inception or from the date of travel?
From the date of inception for annual multi-trip policies and for single trip and long stay policies it is your age at the date of departure.
If I've already booked my holiday, can I wait and buy the insurance on the date of travel?
You can, but you run the risk of being liable for any charges should you have to cancel in the meantime.
Am I covered if I have to go into hospital after buying the insurance and before I travel?
Yes, you can cancel subject to the terms and conditions of the policy, if you've already booked your trip and are forced to cancel. For any future bookings you should contact the Voyager Healthcheck on 01483 806 666 if you answer ‘Yes’ to the medical screening questions.
European Breakdown Cover FAQs
What is European Breakdown Cover?
European Breakdown Cover is a breakdown insurance policy that covers you should your vehicle break down whilst driving in continental Europe.
With a 24 hour a day, 365 day a year service and helpline, European Breakdown Cover offers you peace of mind that you’re covered for roadside assistance, being taken to a local repairs garage, or even being transported back to the UK if necessary.
These services are not usually covered in standard UK breakdown cover policies, and so without European Breakdown cover you could find yourself having to pay for these expenses, that could run into hundreds of pounds, yourself.
How Much Does European Breakdown Cover Cost?
European Breakdown Cover starts from as little as £3 per day. The actual costs vary based on if you’re buying a single trip or annual multi-trip policy, the age of the vehicle, length of the trip, and if any add-ons are included.
To get a European Breakdown Cover quote for your trip click here!
Can I buy European Breakdown cover if I've already left home?
European Breakdown Cover must be arranged prior to your departure and for the entire duration of your trip abroad.
Will a European Breakdown Cover Policy Cover Me If I'm Towing A Caravan?
Yes, we can provide cover for you if you’re towing a caravan or trailer, but they are not covered unless agreed in writing by us and the additional premium paid.
If you require a replacement vehicle, we will try to provide a vehicle of similar size to the insured vehicle but replacement caravans and trailers cannot be provided.
Am I covered if I breakdown in the UK?
Voyager to Europe is specifically designed to cover you if you breakdown while on holiday in mainland Europe. If you breakdown in the UK as part of your trip then you are covered. It does not cover you for breakdowns that occur in the UK that are not a direct journey between your home and your international departure point.
The policy states that I must carry a serviceable spare wheel, however my car is equipped by the manufacturer with run-flat tyres/tyre puncture sealant kit, is this covered?
As long as you have a manufacturer approved way of dealing with a flat tyre then you will be covered by the policy. This includes run-flat tyres/ sealant gel.
I'm hiring a vehicle to go abroad, is this covered?
As long as you have the hirer's permission and the vehicle fits the definition of 'Insured Vehicle' in the policy wording it can be covered.
My car is over 14 years old, can this be covered?
Unfortunately, we cannot insure any vehicle over 14 years old with this policy
Which countries are covered by the policy?
Continental Europe - Andorra, Austria, Belgium, Bulgaria, Canaries, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Madeira, Monaco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom and Vatican City.
This policy does not cover trips within the United Kingdom, Channel Islands or Isle of Man other than during the direct journeys between your home and your international departure point.
I'm taking a motorised caravan abroad, is this covered?
Yes. As long as the vehicle fits the definition of 'Insured Vehicle' in the policy wording it can be covered. This dictates that it must be in a safe and roadworthy condition and must not be over 7 metres in length, 3 metres high and 2.3 metres wide and no more than 3,500kgs in weight - including load. Nor must you be carrying more than 8 passengers.
I'm taking a motorbike abroad, is this covered?
Yes. Motorcyles must fit the definition of 'Insured Vehicle' in the policy wording, and as such must be in a safe and roadworthy condition, and must be a motorcycle over 150cc.
What dimension of vehicle are covered by the policy?
The maximum size of the vehicle we can cover is governed by the recovery vehicles used. Under this policy the max dimensions are 7 metres long, 3 metres high and 2.3 metres wide, and no more than 3,500kg in weight (including any load)
How many people are covered by the policy?
The vehicle must not exceed the number of persons recommended by the manufacturer up to maximum of 8 persons, including the driver. Please note that our breakdown cover covers the vehicle rather than the occupants.
I am named on the policy; can anyone else drive the vehicle and be covered by the policy?
Yes, the breakdown cover is for the vehicle. Any member of your party can drive the vehicle provided they have your permission and they have the appropriate licenses for the vehicle. If the vehicle has been hired they must also meet the requirements of the hirer.
Hire Car Excess Insurance FAQs
How old do I have to be to take out a policy?
You must be at least 21 years old at the date of rental. Similarly the maximum age is 84 at the date rental starts.
Which countries are covered by the European policy?
The European policy covers your home country and all countries in the continent of Europe to the West of the Ural Mountains, Madeira, Canary Islands, The Azores, Mediterranean Islands and Non-European countries bordering the Mediterranean (except Algeria, Israel, Lebanon and Libya). Voyager Car Hire Insurance also includes any rentals in your home country.
Which countries are covered by the Worldwide policy?
All countries are covered by the Worldwide policy, including your home country.
What is the maximum excess that can be reimbursed?
The maximum excess reimbursement is £12,500 with the Gold Level of Cover.
What is the maximum duration of cover?
Single-tripUp 90 days on a Silver policy and Up to 180 days on the Gold policy
Annual Multi-tripUp to 31 days per trip on the Silver policy and up to 62 days per trip on the Gold policy
How long do I have to make a claim?
Anything that may give rise to a claim should be given to the claims handling office in writing within 31 days of the end of the rental period. See your policy wording for details of the Claims company
I'm hiring an expensive car, will this be covered?
Unfortunately rental vehicles that have a retail purchase price in excess of £70,000 or vehicles that are over 10 years old are not covered by this policy
Wedding Insurance FAQs
Why do we need Wedding Insurance?
When planning what will be one of the biggest and most expensive days of your life, no-one really want to think of what might go wrong. Sadly, however, weddings do sometimes have to be cancelled or re-arranged for a wide range of different reasons and Wedding Insurance is there to help make sure that you do not lose money as a result. Even if the day goes ahead, other problems can arise and Wedding Insurance helps you to sort them out and pay for unexpected additional costs.
When should we take out Wedding Insurance?
Ideally, you should take it out as soon as you have paid any deposits or signed a contract that means you will lose money if you are forced to change your plans. You can arrange our insurance at any time up to 24 months before the big day.
I have already paid a deposit. Will this be covered?
Yes - provided you are not aware of any particular circumstances that may give rise to a claim when you take out the policy. This cover will only commence 14 days after the policy has started.
We will be getting married in a small civil ceremony with a larger church blessing and reception 2 weeks later. Are both dates covered?
Both dates will be covered provided they are not more than 21 days apart. If your civil marriage and blessing/reception are more than 21 days apart then you will need to take out two separate policies, one for each date. The same goes if you are getting married abroad with a small ceremony overseas and then having a party/reception when you return back to the UK. The two events must be less that 21 days apart to be covered under the same policy.
Can a Civil Partnership Ceremony be covered?
Yes - we view this as just the same as a wedding.
We are getting married abroad. Can we take out a policy?
Yes - you can take a policy for weddings anywhere in the world. For weddings abroad, however, you cannot take the extension to add the liability of your guests and liability is excluded completely for weddings in the USA or Canada.
My fiance lives abroad. Can we take out a policy?
Yes - provided one of you is normally resident here in the UK you can take out a policy.
My fiance is in the Armed Forces. Are we covered if he is unexpectedly posted abroad?
Yes - provided that there was no notice of possible cancellation of leave at the time the policy was taken out.
What about if one of us decides not to go ahead with the marriage after all?
This is known as "disinclination to proceed" and is not insured, sadly.
What happens if the professional wedding photographs fail because the film or digital storage media is faulty and there are no copies available?
Then the reasonable costs of taking replacement formal photographs of the couple and the immediate Wedding party can be claimed.
I have an existing medical condition. Can this be covered?
Most existing medical conditions are insured automatically, both for the Couple and also their close relatives. There is no cover, however, for Pre-existing medical conditions that have resulted in a terminal prognosis or where the condition is awaiting treatment or investigation at a hospital or you are awaiting the results of tests or investigations, unless you have declared details to us and we have agreed to insure them. You can call us to discuss a medical condition on 01483 562 662
What happens if one of the suppliers goes bust?
Then you may claim for any irrecoverable deposits that you may have paid and also for the necessary additional costs in arranging an equivalent alternative. A definition of wedding service suppliers is included in the policy wording.
Our wedding venue is flooded just before the big day. Are we covered?
Yes - you will be covered for the additional costs of rearranging a suitable alternative venue for the same day, if that is possible, or irrecoverable amounts and additional costs of having to cancel and rearrange the whole event for a later day.
We are hiring a marquee and will need to insure it. Is this included or can it be added to the policy?
There is an optional extension that you can take to add this cover for up to £20,000 or £50,000, subject to payment of the appropriate additional premium.
Our venue requires us to provide insurance in case any of us or the guests causes accidental damage during the reception. Is this included?
Your own personal liability is included as standard up to £2,000,000. There are optional extensions available to add cover for the liabilities of your guests up to £2,000,000 in total or to increase the limit to £5,000,000 in total, including guests' liabilities. There are restrictions on the liability cover for overseas weddings as detailed in the policy wording.
Is my honeymoon or overseas wedding trip insured on this policy?
No - you will need to take out separate travel insurance for your honeymoon or overseas wedding trip, which would normally include cancellation cover if you are not able to travel as planned. If travelling to get married abroad, the Wedding Insurance only covers the extra costs and items specifically relevant to the wedding itself, including the rings, wedding attire, essential document indemnity etc., not the cost of the trip itself.
Am I covered for re-arrangement as a result of contagious disease e.g. swine-flu?
Yes, if the wedding couple or a close relative on whom the wedding plans depend contracts swine-flu and it is medically necessary to postpone or re-arrange the wedding cover is in place. However there is no cover if Government regulations are put in place, such as restrictions to prohibit any events / large public gatherings from taking place.
Does the Dreamsaver policy have an excess?
No, there are no excesses applicable under any section of the policy.