1. What is an excess?
An excess (or deductable)
is the first part of any claim that
an insured person has to pay,
usually a £75 excess is applicable
per person per claim for losses
relating to personal baggage, money,
cancellation, curtailment and wintersports equipment.
Our policies uniquely allow you to select the medical excess level that's right for you:
| Level | Medical Excess | Other Sections Excess |
| Bronze | £300 | £75 |
| Silver | £150 | £75 |
| Gold | £75 | £35 |
| Platinum | NIL | NIL |
2.What is the single article limit?
In the event
of a personal effects claim
for items of high value, the
maximum amount that can be paid
for a given item is £250. This
figure is calculated after applying
a deduction for wear and tear,
then the policy excess. If the
figure still exceeds the single
article limit, then the limit
is paid.
3. Does Atlas ANNUAL MULTI-TRIP cover individual trips beyond 31 days?
Yes, an Annual Multi-trip policy can be extended to include trips of either 45 days or 60 days for those under 65 years of age.
4. Can I work abroad?
Atlas provides
cover for non-hazardous, office
based work abroad. Whilst we
cannot stop you from engaging
in manual work, cover is not
provided for manual work or
operations or any dangerous
activity during the course of
work. NB: You are not covered
for the success or otherwise
of the business undertaken during
the business trip, and no liability
is accepted for decisions or
agreements during the course
of that business.
5. Can children travel on their
own?
Children can
be covered when travelling alone,
but the full adult rate is payable.
6. Up to what age does the child
rate apply?
For Atlas Single
Trip Insurance: Under
18 years of age at date of purchase.
For Atlas Annual
Travel Insurance: Under 18 years of age at date
of purchase.
7. Is sailing covered?
Sailing is covered
provided that it is within territorial
waters (3 miles off shore) - no cover for liability will apply.
8. Am I covered to travel by motorcycle?
We can cover Moped/Scooter Riding upto 50cc only.
Anything further would need to be refered to us for an individual decision.
9. Do I have to pay my medical
bills abroad?
If it is a small claim for medicines or minor treatment,
some clinics in some countries will settle the bill directly for you
, less the policy excess which you will need to
pay. However, in clinics where this service is not available
, you should pay and claim. Larger claims can be billed
direct to the insurer, subject to you contacting the emergency
contact number at the time of the emergency and payment
of the policy excess if applicable. If your condition is
serious, exceeds £500.00 in value or requires in-patient treatment, you
should contact the 24hr Medical Emergency Service - details are contained
in the policy document.
10. When does cancellation cover
commence?
For single trip policies, cancellation
cover commences immediately
after the travel insurance policy
has been accepted and the relevant
premium paid and ends upon your
departure from the UK. For annual multi-trip policies, cancellation cover commences on
the start date of the policy and ends at the expiry of the policy period.
11. What if I wish to cancel
my policy/Is there a cooling
off period?
A refund of the
premium can be allowed only
within the first 14 days of
the policy being taken out,
or before your travel (whichever
is sooner) if the policy does
not meet your requirements.
You cannot cancel your policy
and receive a refund of premium
after the 14 days or if you
travel.
12. Do you insure people aged 75
years and over?
Yes - The maximum age
limit is 79 for single trip policies and 64 for annuals on our website, please contact Atlas if you are over these ages.
13. What is a "pre-existing
medical condition"?
14. Do you insure people
with pre-existing medical
conditions?
Yes, we are able to cover the vast majority of pre-existing medical conditions - please, see Pre Existing Medical Conditions.
15. Is there a limit to the number
of days I can be abroad on an annual
policy?
All annual
multi-trip policies limit the
number of days you can spend
abroad on any one trip and we
offer 3 variations: 31, 45,
60 days per trip.
The total number of days you
can spend abroad during the
year is 183, and so you are free to travel
as many times in the year as
you wish upto that limit.
16. Do the annual policies cover
ski and snowboarding trips?
Yes, our Winter Sports Annual policies offer you up to 17 days per annum skiing and snowboarding provided you have paid the additional premium for this cover and it is shown on your validation certificate.
17. Can I ski and snowboard
off-piste?
Yes, in areas designated as safe by resort management provided
that you are accompanied by a qualified guide or instructor.
18. Do the annual policies cover
UK travel?
Yes, all our
annual policies offer cover
within the UK providing your
trip is for two or more nights
in pre-booked accommodation.
This cover is not designed to
be used whilst staying with
friends or relatives in the
UK.
19. Do the worldwide annual policies
cover the USA?
Our worldwide
annual policies cover you to
any destination, anywhere and
do include cover for USA.
20. Can I include my grandchildren
on an annual policy?
Yes, but not
a 'family' basis, they would
be treated as individuals
21. As an annual policyholder, do
I need to contact you each time
I travel?
No, you are free
to travel as and when you wish -
there is no requirement to contact
us unless you feel we can be of
assistance with your journey or
unless you need to declare medical
conditions (please refer to 14. Do you insure people with pre-existing medical conditions).
22. Is it possible to extend
the trip limit on the annual
policies?
The trip limits
on our annual policies are 31,
45, 60 days are fixed.
23. If I take an annual
policy for Europe can
I upgrade to Worldwide
at a later date?
No upgrades
are available.
24. Can I pay an excess
waiver premium?
The excess
waiver premium waives
all excesses on the
policies and can be
selected after you
have chosen your
desired policy in
the quick quote
page. The
additional premium
is clearly shown
beside the option.
25. Can I extend an
individual trip policy
from abroad if I decide
to stay longer?
We can
extend an individual
trip policy providing
you let us know BEFORE
your policy expires
and at the time of requesting the extension you have not made and are not intending to make
a claim. Policies can
be extended on a weekly
or monthly basis. Many
of our clients have
found this feature useful
when they have been
travelling abroad 'backpacking'
and decided to stay
a little longer.
26. Do you cover hazardous
sports?
We offer
cover for the vast majority
of activities. To check
whether any activity
is covered at standard
rates, requires an additional
premium or is excluded
from cover, please refer
to Hazardous Activities. If you require cover
for an activity which
requires an additional
premium please go to
Instant Quote or telephone
us on 0844 482 3400
or contact us detailing
your destination, duration
of stay and activity
to be covered. Whilst
some sports/activities
are free, please ask
that your policy be
endorsed to show the
additional cover.
27. Do you offer instant
cover?
Whether
you contact us by telephone
or use the on-line purchase
facility on this web
site, we can offer you
immediate cover (we've
lost count of the number
of people who have bought
insurance from us by
telephone while sitting
in a departure lounge!).
The only stipulation
is that you must purchase
your insurance before
leaving the UK.
28. Am I covered to
drive a car in USA?
The policy
provides cover under
the medical, personal
accident, and personal
possessions sections
of the policy, but there
is no liability cover
provided whilst driving
a car or other mechanically
propelled vehicle. This
is an industry-standard
clause and is designed
to ensure travel insurance
policies do not have
the effect (nor charge
the premium) of motor
policies.
29. If I am hiring a
car in USA, how can
I ensure I have adequate
liability cover?
Check
with the car hire company
exactly how much third
party liability cover
is provided. Some car
rental companies only
provide the legislated
state minimum; this
varies between states
and can be as low as
$10,000. We recommend
you have at least $2,000,000
third party liability
cover - you can purchase
further cover if it
is not included as standard
either from your car
rental company or other
insurance provider.
This product is generically
known as "top-up liability"
cover. If you are due
to depart in the near
future, please bear
in mind that this policy
is for motor insurance
and insurers will require
a signed application
form before they will
issue cover.
We can now offer SLI (Supplimental Liability Cover) directly from our website. Please select "car rental insurance" from the top bar.
30. If I have an all
risks household contents
policy can I get a discount?
Yes a
discount is available,
either ask one of our
sales executives or
if arranging cover online,
please select our "lite"
policy to delete
personal possessions
and personal
money on the Quick
Quote. Please note that
this option has to be
applied to all persons
insured on the policy.
31. Can children be
insured if they are
travelling on their
own?
When
the child is insured
as a member of a family
on one of our annual
multi-trip policies,
they have to be accompanied
by one of the insured
adults on the policy.
32. Is scuba diving
covered?
We cover scuba diving down to 30 metres if qualified and not diving alone or accompanied by a qualified instructor. If you do not hold a qualification, we will only cover you to dive to a depth of 18 metres. You will not be covered under this policy if You travel by air within 24 hours of participating in scuba diving.
33. Is Insurance Premium
Tax (IPT) included in
the prices shown?
Yes, all prices
quoted include IPT at
17.5%.
34. Should I take an E111 form?
Please note that as
of the 1st September
2005, it is no
longer possible to
get an old style
E111 form, instead
you need a EHIC
(European Health
Insurance Card) -
please see
www.dh.gov.uk/travellers
for details.
35. What equipment is
covered on wintersports
trips?
Where
the appropriate additional
premium is paid, ski
equipment is defined
as your skis, poles,
boots, bindings or snowboards.
36. Do you offer a pre-travel
help line?
We do
not offer a pre-travel
help line, but please
view the travel advice
and web links on the
home page.
37. If I take my golf
clubs on my journey,
how much are they insured
for?
We do provide cover for golf clubs as long as a "Golf Cover" upgrade is purchased.
38. Am I covered for a cruise holiday?
Cruise holidays are covered. Cover
is not provided for persons working
aboard a cruise ship, or part of
the crew.
40. Is the cover per
person or per policy?
The benefits
detailed on the Summary
of Coverage for each
insured person
named on the policy
schedule. For annual
policies the benefits
for each insured person
effectively refresh
at the beginning of
each journey so the
complete range of policy
benefits are available
every time you travel.
(Please note that the
Personal Accident and
Personal Money benefits
are reduced for children).
However, by the same
token, the policy excesses
with apply on an individual
basis in the event of
a claim.
42. Are Pregnant Women
covered by Insurance
Cover?
Yes, we can cover pregnant women. However, this policy does not cover normal pregnancy, without any accompanying Bodily Injury, illness, disease or complication. The policy is designed to provide cover for unforeseen events, accidents, illnesses and diseases and normal childbirth would not constitute an unforeseen event.
43.
Who qualifies as a UK
resident?
A United
Kingdom resident is
a person who has resided
in the UK for at least
6 months and is entitled
to NHS benefits.
44. Are One Way Trips
covered?
Yes,
but all cover ceases
as soon as you pass
Immigration Control
at your final destination.
In respect of Curtailment
cover, you will be returned
to the UK or your final
destination, whichever
is closer.
45. Are my belongings
covered whilst in my
car?
Items
are only covered in
certain circumstances
- please refer to the
policy wording. In any
event money, cash and
valuables are not covered
whilst in an unattended
motor vehicle.
46. Who do I report
claims to?
In the
event of loss or theft
of personal possession
and money you must report
the incident to the
relevant police authority
within 24hrs and obtain
a copy of their report.
In the incident occurred
in your accommodation/grounds,
the matter must also
be reported to the Hotel/Tour
rep. In the case of
losses involving the
carrier, a property
irregularity report
must be obtained.
47. Can I increase my
cancellation cover?
Unfortunately, it is not possible to increase your cancellation cover.
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