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Travel Insurance - Frequently Asked Questions

What is a Material Fact?
A Material Fact is any information or circumstance concerning You, the cover or property to be insured which may affect the Terms or Conditions, or acceptance of cover or premium payable in respect of the Insurance. If You are in any doubt as to whether the information may be material such information should be disclosed.

What is Duty of Disclosure?
We are obliged to point out that you have a legal duty to provide to insurers all information which is material to the risk being insured, whether unfavourable or otherwise to you, at the time of placement. Material facts would nclude any information that could influence a decision by an Insurer on whether to accept a risk and if so, upon what premium and terms. If such information is not disclosed by you, your insurer has the right to void your insurance from its commencement. If this right is exercised any claims under your policy will not be met. This responsibility applies throughout the whole period that you are insured. We are required also to advise that failure to make full disclosure of material facts may also cause difficulties for you in trying to purchase insurance elsewhere.

When should I take out Travel Insurance?
You should take out travel insurance as soon as you book your holiday as certain benefits apply with immediate effect e.g. Cancellation.

Who is covered by a Family Travel Policy?
Yourself, spouse and children up to age 23 in full time education and normally residing at your home.

What is the age limit for students on a travel policy?
Age 23, provided the student is an immediate family member and is in full time education.

What is the maximum number of children allowed on a travel policy?
Unlimited, provided all children are yours or your spouses and all are not older than age 23 and are in full time education.

I have some health issues, am I covered under the travel policy?
We do cover some pre-existing conditions. Please contact us to discuss.

Is strike covered under the travel policy?
Cover is operative in the event of a strike occurring which is unknown at the time of travelling or booking a holiday. If such an event is known of at the time of travelling or booking a holiday this is not covered.