Virgin Travel Insurance - Find the right cover for you

Virgin Travel Insurance - Find the right cover for you
Advice and information:

How do adverse weather conditions affect my cover?

If your policy includes travel delay and abandonment cover, we will take adverse weather conditions into account if you need to make a claim. If you were already aware of the adverse conditions before buying your policy, we won’t cover you for this.

Remember to ask your flight provider, tour operator or accommodation provider if they can offer you a full refund before making a claim.

If your flight is delayed or cancelled, you may be entitled to compensation from your airline under the European Union travel directive. This could include meals or refreshments while you wait, hotel accommodation, re-routing of flights or flight refunds.

If you are stranded abroad because of adverse weather conditions, please ask your airline provider or tour operator if they can help before making a claim.

If your Virgin Travel Insurance is due to expire while you’re delayed, please call us as soon as possible on +44 (0) 207 748 0656 and we’ll extend your policy to make sure you’re covered for the whole of the delay.

Am I covered if I travel during a strike or industrial action?

If your policy includes delayed departure and abandonment cover and you took out cover before the date that a planned strike or industrial action was publicly announced, we will cover you if the strike or industrial action causes your international outbound and/or return journey to be cancelled or delayed for more than 24 hours. If you were already aware of the strike or industrial action before buying your policy, we won’t cover you for this.

Remember to ask your flight provider, tour operator or accommodation provider if they can offer you a full refund before making a claim.

If your flight is delayed or cancelled, you may be entitled to compensation from your airline under the European Union travel directive. This could include meals or refreshments while you wait, hotel accommodation, re-routing of flights or flight refunds.

If you leave the airport and then miss your rescheduled flight, we won’t cover you for the cost of the unused flight.

If your Virgin Travel Insurance is due to expire while you’re delayed, please call us as soon as possible on +44 (0) 207 748 0656 and we'll extend your policy to make sure you're covered for the whole of the delay.

Am I covered if I travel during a natural disaster?

If you're taking a trip abroad, remember to check the Foreign and Commonwealth Office (FCO) website at www.gov.uk/fco for the latest travel advice about the countries you're planning to visit. If you are flying, please contact your airline to check the status of your flight.

Remember, we won’t cover you for claims resulting from travel to anywhere the FCO advises against visiting. Please see the 'General Exclusion' clause 17 in your policy booklet.

We won’t cover claims resulting from a natural disaster, whether or not the FCO advises against travelling there. We’ll consider claims for other reasons in line with the terms and conditions of your policy.

If your airline or tour operator cancels your trip as a result of a natural disaster, they may be able to offer you a full refund or an alternative date to travel. Remember to ask them about this before making a claim.

What should I do if my travel company goes into administration?

If your travel company goes into administration, please contact The Civil Aviation Authority, who should be able to help you under their ATOL scheme. You can contact them on:

UK: 0207 453 6700
Overseas: +44 203 441 0846

www.caa.co.uk.

If you are abroad and trying to get home

Just call us on 0844 888 3901 and we can extend your cover until you return to the UK.

If you are yet to travel and would like cover for an alternative holiday

Just call us on 0844 888 3901 within 30 days of the travel company going into administration, and we will do our best to move your insurance to cover your new travel dates.

 
 
What we cover

Am I covered for activity holidays?

We cover more than 40 sports and adventure activities as standard on all our travel insurance policies.

We can also cover you for many other sports or leisure activities – please call us on 0844 888 3900 to discuss your plans with us.

Am I covered for pre-existing medical conditions?

We cover many pre-existing medical conditions – you’ll need to declare these when you apply for your policy online or by calling 0844 888 3900.

If we don't cover your pre-existing medical condition, we will only exclude any claims relating to that condition. The rest of your travel insurance cover will not be affected.

What if someone in my immediate family has a pre-existing medical condition?

If the family member is travelling with you and will be included on your policy, you’ll need to declare their pre-existing medical condition when you apply for your policy online or by calling 0844 888 3900.

What's an excess?

The excess is the amount you have to pay towards a claim. For example, if you make a claim of £200 and the excess is £60, you will only be able to claim for the remaining £140.

You'll find details of the excess for each part of your policy in your policy booklet.

Can I choose not to have an excess on my travel insurance policy?

Yes. You can pay a little extra so your policy includes an ‘excess waiver’, which means there won’t be an excess to pay on any of your claims.

Remember though, you may still have to pay an excess on claims relating to declared medical conditions or extra sporting activities.

 
 
Who we cover

Are there any age restrictions?

Yes. The main policyholder needs to be aged between 18 and 75; and if you’re over 65 you'll be covered for a maximum of 31 days on any trip. There's no minimum age for people travelling with you.

Can I add children to my policy?

Yes. You can add up to three dependent children aged under 18 for each paying adult on your policy for free.

Does everyone on the policy have to live at the same address?

No – you can include people living at different addresses, unless you’ve taken out a Family policy, in which case everyone named on the policy must live at the same address.

Will I be covered if I travel separately from the other people on my policy?

This depends on your policy type. If you've got an annual Couple or Family policy, you’ll all be covered for travelling separately. If you have a single trip policy, you’ll only be covered for travelling together on the same trip.

 
 
Where we cover you

Am I covered for trips within the UK?

Yes, as long as you have booked accommodation for two or more nights in a row.

Please note that for the purpose of this insurance, we define the United Kingdom as England, Scotland, Wales and Northern Ireland and do not include the Channel Islands or the Isle of Man.

Is there anywhere you don't cover?

We won’t cover you for travel to any countries the Foreign and Commonwealth Office advises against visiting (you can find their latest travel advice at www.gov.uk/fco).

 
 
How long cover lasts

How long can my trips be with an annual policy?

If you have an annual multi-trip policy, you can travel as many times as you like during the year, as long as no single trip lasts more than 45 days (if you have Silver cover) or 90 days (if you have Gold or Black cover). If you’re over 65, your trip can last up to 31 days for all policies.

How long can I stay away on single trip cover?

Single trip cover can last up to 365 days (or 31 days, if you’re over 65), based on the travel dates you’ve given us.

 
 
Renewing or cancelling your policy

How can I renew my annual travel insurance?

We will write to you three or four weeks before your cover expires explaining what you need to do to renew. If you would like to renew before we contact you, please call us on 0844 888 3903.

How do I cancel my policy?

Before you take out your cover, please check you're happy with everything in the policy document. Your policy has a 14-day cooling-off period, as long as the policy’s end date is not within 31 days of the date you bought it.

If you would like to cancel your policy please call us on +44 (0) 207 748 0656 or email customer.services@travel.virginmoney.com.

 
 
Important documents

I’ve lost my Virgin Travel Insurance documents – can I find copies online?

Yes, you can find your policy documents online – you’ll need your policy number, surname and date of birth. Or you can call us on 0844 888 3901 and we’ll do our best to help. We’re here from 8am to 8pm Monday to Friday and 9am to 5.30pm at weekends.

What should I do if my passport is lost or stolen while I’m abroad?

If your passport is lost or stolen while you’re away, you’ll need to report it to the local police as soon as possible. Make sure you keep the crime reference details they give you, as you’ll need these for your lost or stolen passport notification form.

You should also report it to the UK Foreign and Commonwealth Office embassy, consulate or high commission of the country you’re in, so they can issue you with replacement travel documents. You can find their details by calling +44 (0) 207 008 1500 or by visiting the FCO website www.gov.uk/fco.

 
 
Other Questions

What company provides Virgin Travel Insurance?

Virgin Travel Insurance is promoted by Virgin Money Personal Financial Service Ltd, arranged and administered by Insure & Go Insurance Services Ltd and underwritten by MAPFRE Asistencia.

How do I qualify for the Amazon.co.uk Gift Certificate?

Just take out a Virgin Travel Insurance annual multi-trip policy before 30 September 2014, enter a valid email address and we’ll send you a Gift Certificate code that can be redeemed online at Amazon.co.uk. A valid email address and internet access is a requirement to participate in this promotion.

See terms and conditions for more details.

How do I get my Amazon.co.uk Gift Certificate†?

Within 28 days of purchasing a Virgin Travel Insurance annual multi-trip policy we’ll send you an email with instructions on how to claim your Amazon.co.uk Gift Certificate claim code.

Who do I contact if I have a question about my Amazon.co.uk Gift Certificate?

For any questions about this offer please email us at support@travelgiftoffer.co.uk*

If you have any other questions about your Virgin Travel Insurance policy, please call 0844 888 3902.

Calls are charged at 5p per minute from BT landlines, and calls from mobiles or other providers may vary. Calls may be monitored and recorded for training purposes.

Can I get something else instead of an Amazon.co.uk Gift Certificate†?

This offer only applies to Amazon.co.uk Gift Certificates and there is no alternative.

How do I opt out of receiving an Amazon.co.uk Gift Certificate?

If you’d prefer not to participate in our offer, all you need to do is add giftoptout into the promotional code area on our quote page. Please note that adding this code does mean you won’t be entitled to receive an Amazon.co.uk Gift Certificate.

 
 

* We are here from 9am to 5pm, Monday to Friday (except bank holidays).

† Amazon.co.uk is not a sponsor of this promotion. Amazon.co.uk Gift Certificates (“GCs”) may be redeemed on the Amazon.co.uk website or affiliated website Javari.co.uk towards the purchase of eligible products listed in our online catalogue and sold by Amazon.co.uk or any other seller selling through Amazon.co.uk. GCs cannot be reloaded, resold, transferred for value, redeemed for cash or applied to any other account. Amazon.co.uk is not responsible if a GC is lost, stolen, destroyed or used without permission. See www.amazon.co.uk/gc-legal for complete terms and conditions. GCs are issued by Amazon EU S.à rl. All Amazon ®, ™ & © are IP of Amazon.com, Inc. or its affiliates.