FAQ - Travel insurance
Who am I insured through?
Axiom Underwriting Agency Ltd products are underwritten by
certain underwriters at Lloyd’s and other UK authorised
insurers.
What is a pre-existing medical condition?
For the purposes of this insurance, a pre-existing medical
condition is considered to be any pre-existing defect, infirmity or
condition for which you are receiving regular medical treatment,
advice or consultation at the time of effecting the Insurance or at
the commencement of a covered trip, whichever is the later.
Can I insure my pre-existing medical
condition?
We are able to consider most pre-existing medical conditions,
however, some conditions may be excluded or require payment of an
additional premium to provide cover. If you have a pre-existing
medical condition then simply answer the medical questions provided
in the online quote process.
Am I covered for pregnancy?
Yes, you are covered for childbirth, pregnancy or any related
medical complications unless you are travelling within
2 calendar months of the expected date of delivery.
What is an excess?
Under most sections of this insurance, claims will be subject to
an excess. This means that you will be responsible for paying part
of your claim. The amount you have to pay is the excess and this
will be deducted per person under each section to which an excess
applies. In the event of us accepting liability for a medical
expenses claim which has been reduced by the use of the European
Health Insurance Card (EHIC) we will not apply an excess to your
claim.
What is the European Health Insurance Card
(EHIC)?
If you are travelling within the European Union (EU) you are
strongly advised to obtain a European Health Insurance Card (EHIC)
before you leave. This will entitle you to benefit from the
reciprocal health arrangements which exist between European Union
countries.
Application forms can be obtained from the Post Office.
Alternatively, you can also apply online through www.dh.gov.uk/travellersor
by telephoning 0845 606 2030.
What is a single article limit?
This is the maximum amount that will be paid for any single item
of property under the baggage and personal effects section. A pair
or set of articles are deemed to be a single item. The single item
limit is shown on your schedule.
Is there a limit to the number of days I can travel
abroad on an annual multi trip policy?
The annual multi trip product provides cover for trips of up to
60 days duration which take place entirely during the period of
insurance (or continue into the next period of insurance if your
contract is renewed with us and is in force at the time of any
incident resulting in a claim). A trip which exceeds 60 days
duration will NOT be deemed a covered trip.
Is cover provided for non-United Kingdom
residents?
This insurance is only available to persons who are permanently
resident in the United Kingdom.
Are my belongings covered whilst in my car?
Cover under the baggage and personal effects section is limited
to £500 in all in respect of losses from unattended vehicles. There
is no cover under the Money section for losses from unattended
vehicles.
What recreational activities are covered?
This insurance provides automatic cover for the following
activities provided you are not participating in competitions
and/or sports tours:
Archery, angling, athletics, badminton, banana boating, baseball,
basketball, body boarding, bowls, camping, cricket, croquet,
cycling (excluding touring and racing), football, golf, gymnastics,
handball, hill walking (not involving ropes/guides), hiking, jet
skiing (excluding liability), jogging, marathon running, motor
cycling (up to 50cc), mountain biking (excluding stunts/racing),
orienteering, netball, parascending (over water only), pony
trekking, kayaking, canoeing or white water rafting up to grade 3
(inland waters only and provided under the control of an officially
licensed outdoor pursuits organisation), rambling, racquetball,
roller skating, rounders, rowing (inland waters only), safari
(organised excursion with tour operator only), scuba diving up to
30 metres (provided you hold a recognised diving qualification and
are accompanied by a fellow certified diver), shooting (excluding
hunting), snorkelling/skin diving, skate boarding, softball,
squash, surfing, swimming, table tennis, ten pin bowling, tennis,
trekking (maximum 3,000m), trampolining, volleyball, water polo,
water skiing (excluding jumping), yachting, boating or wind surfing
in inland or coastal waters (12 mile limit and excluding
liability).
This insurance will not cover you when you take part in any other
sport or activity involving physical contact or a high risk of
bodily injury. If you are in any doubt as to whether this insurance
meets your requirements, please contact us on 0116 240 7766.
Cover can be extended to include certain other activities subject
to the payment of an additional premium. This extension is only
available if agreed in advance by us and your schedule endorsed
accordingly. Please contact us on 0116 240 7766 for a
quotation.
Is cover provided for winter sports
activities?
You may extend this insurance to cover you whilst participating
in the following winters sports activities subject to payment of an
additional premium. Please select the winter sports option in the
online quote process to purchase this extension.
Optional winter sports cover includes the following
activities:
Dry slope skiing, alpine skiing, glacier skiing, snow skiing, snow
boarding, langlauf/Nordic skiing, mono skiing, ski bobbing/ski doo,
ice skating, ice hockey, curling and tobogganing, including such
activities being undertaken off piste provided such activity is not
undertaken alone and/or against local authoritative warning or
advice.
Cover will only be operative if the winter sports extension is
stated in your schedule as being included.
Can I insure my partner?
Yes, we consider a partner a being the person with whom you live
at the same address and with whom you have a domestic
relationship.
Who can be insured under the family cover?
Family cover means you, your husband, wife or partner plus all
your unmarried dependant children aged under 19 years at the
inception of this Insurance (or under 23 if in full-time education)
all permanently residing at the same address in the United
Kingdom.
Can children travel independently on annual multi trip
policies?
No, children are only covered when travelling with their own
parents insured under this policy.
For the purposes of this insurance, children are deemed to be your
unmarried, dependent children aged under 19 years at the inception
of the insurance (or under 23 if in full-time education) and who
permanently reside with you.
Can I cancel my travel insurance?
You will for a period of 14 days from the date you receive your
documentation, have a right to cancel the Insurance and receive a
refund. Any refund will be subject to a charge for the period of
cover you have received, plus our reasonable administration
charges.
