Make a Claim

Section 1 – Cancelling or cutting short a trip

• Cancellation invoice including any refund you will get.
• For accommodation you booked independently and not as part of a package, written confirmation that you will not get a refund and evidence you have paid for that accommodation.
• Medical history and confirmation from a medical practitioner that you or your travelling companion are not fit to travel.
• Confirmation from a close relative’s medical practitioner or a letter from the hospital confirming their illness or injury.
• Confirmation from the Clerk of the Courts office that you are needed for jury service or as a witness in a court of law.
• Confirmation from your employer or your travelling companion’s employer of redundancy and the period of employment or that leave has been cancelled.
• A letter from your tour operator’s representative, hotel or accommodation provider, where appropriate.
• Confirmation of the delay from the public transport company involved.
• Original police report including a crime reference number, or an incident report, that you got within 24 hours of the incident or as soon as possible after that.
• Confirmation from the public transport company that you were denied boarding.
• Evidence of service history and / or MOT history for your vehicle.
• Confirmation from a garage or motoring organisation that you had breakdown assistance.
• Confirmation from the public transport company that your departure has been rearranged.
• Evidence of the accident, breakdown or an unexpected traffic incident if you miss your departure.
• Confirmation from a relevant authority that you have been told stay at or return home.
• A copy of a death certificate, where appropriate.

Section 2 - Medical emergency and repatriation expenses

• Receipts or bills for all in-patient or outpatient treatment or emergency dental treatment received.
• Receipts or bills for taxi fares to or from hospital with details of the date, name and hospital location.
• Hospital, doctor, dentist, pharmacist receipts and all receipts for extra costs.
• If applicable, a copy of your Global Health Insurance Card (GHIC).
• Receipts, bills or proof of costs for any other transport, accommodation, other costs or charges, including calls to our Medical Assistance Service.
• If there has been a death, a copy of the death certificate and receipts or bills for funeral, cremation or repatriation costs (the cost of getting you home)./li>
• Information and medical history from your GP (if this is requested you may need to sign a release form with your surgery to obtain this).

Section 3 – Disruption or delay to travel plans

• Cancellation invoice including any refund you will get.
• Confirmation from a garage or motoring organisation that you had breakdown assistance.
• Evidence of service history and / or MOT history for your vehicle.
• Confirmation of the delay to public transport from the company involved and the length of the delay.
• Confirmation from the police (if involved) of the circumstances relating to the claim.
• If your accommodation was booked independently and not as part of a package, evidence that you have paid for the accommodation and written confirmation that you will not get a refund./li>
• Written confirmation that you will not get a refund for the unused travel and / or accommodation

Section 4 – Personal belongings and money

• A Property Irregularity Report (PIR) or a report from the transport provider. You must get this immediately you are aware of an incident.
• For all loss, theft or attempted theft, a police report including crime reference number or incident report, from the local police in the country where the incident happened.
• Proof that you bought the item (for example, original receipts, valuations you got before the loss, cash withdrawal slips, credit and debit card statements etc.).
• Written estimate for the cost of repair or written confirmation that the item is damaged beyond repair, where appropriate.
• All travel tickets and tags.
• A letter from the transport provider confirming the number of hours your baggage was delayed.

Section 5 – Legal and liability

Section 5a - Legal expenses and assistance

• Evidence to support your claim, including photos.

Section 5b - Personal liability

• Any claim form, summons, or other legal document. You must send these as soon as you receive them.
• Any receipts and invoices for the damaged property.
• Any reasonable information or help we need to deal with the case and your claim.

Section 6 – Personal accident

• Detailed medical report from your consultant and treating doctor.
• Confirmation of the executor or administrator of the estate.
• A copy of a death certificate, where appropriate.

Section 7 – Winter sports

(This section is available as an upgrade, if you have bought this cover it will be shown in your policy certificate).

• Cancellation invoice including any refund you will get.
• For all loss, theft or attempted theft, a police report including crime reference number or incident report, from the local police in the country where the incident happened.
• Transport providers report or Property Irregularity Report (PIR) from the transport provider. You must get this immediately you are aware of an incident).
• All travel tickets and tags.
• Proof that you bought the item (for example, original receipts, valuations you got before the loss, credit and debit card statements etc.).
• Repair report.

Section 8 - Cruise cover

(This section is available as an upgrade, if you have bought this cover it will be shown in your policy certificate).

• Confirmation from the transport provider of the reason and length of your delay.
• Confirmation from a garage or motoring organisation that you had breakdown assistance.
• Evidence of service history and / or MOT history for your vehicle.
• For accommodation you booked independently and not as part of a package, written confirmation that you will not get a refund and evidence you have paid for that accommodation.
• Confirmation from your cruise operator confirming the reason your scheduled port visit was cancelled.
• Confirmation from your ship’s medical officer that you were confined to your cabin and the length of your confinement.
• A Property Irregularity Report (PIR) or a report from the transport provider. You must get this immediately you are aware of an incident.
• For all loss, theft or attempted theft, a police report including crime reference number or incident report, from the local police in the country where the incident happened.
• Proof that you bought the item (for example, original receipts, valuations you got before the loss, cash withdrawal slips, credit and debit card statements etc.).
• Written estimate for the cost of repair or written confirmation that the item is damaged beyond repair, where appropriate.
• All travel tickets and tags.

Section 9 – Golf cover

(This section is available as an upgrade, if you have bought this cover it will be shown in your policy certificate).

• For all loss, theft or attempted theft, a police report including crime reference number or incident report, from the local police in the country where the incident happened.
• Transport providers report or Property Irregularity Report (PIR) from the transport provider. You must get this immediately you are aware of an incident).
• A letter from your tour operator’s representative, hotel or accommodation provider where appropriate.
• All travel tickets and tags.
• Proof that you bought the item (for example, original receipts, valuations you got before the loss, credit and debit card statements etc.).
• A letter from the transport company confirming the number of hours your golf equipment was delayed.
• Repair report where applicable.