FAQs

Frequently Asked Questions GreatCover.com UK

Annual Multi Trip

Single Trip

Longstay/Backpacker

General Questions

Hazardous Activities

Annual Multi Trip


What is the Maximum age on an Annual Multi Trip?
Maximum age is 69 years of age.


What is the maximum length of any one trip on an Annual Multi Trip?
19 – 65 yrs – Max duration  Premier Cover 31 Days / Premier Plus 60 Days
66 – 69 yrs - Max duration  Premier or Premier Plus Cover 31 Days / No Ski
Unlimited number of trips for all age categories.


Is Wintersports cover included in the price?
Wintersports can be included for an additional Premium for persons 65 yrs or younger.


Can an Adult or child travel separately on a Family Annual Multi Trip Policy?
Yes an adult spouse can travel separately. A child under 16 years can also travel separately provided the child is travelling with a responsible Adult. If the child is over 16 they will not be covered to travel seperately unless it is a school or college organised trip.


What is the definition of a family on an Annual Multi Trip Policy?
2 co-habiting Adults/spouses and their dependant children under 19 years of age.


Can I forward start the commencement date of my Annual Multi Trip Policy?
Yes you can forward start the commencement date of your policy by 90 Days however please note that there is no cover including cancellation until the start date of the policy.

Single Trip


What is the Maximum age on an Single Trip Policy?
The Maximum age is 79 years of age.


What is the Maximum Duration on an Single Trip Policy?
The Maximum duration is 365 days for persons under 68 years. Persons 68 – 79 years is subject to a maximum duration of 35 Days.


What is the definition of a Family on a Single Trip Policy ?
2 Co-habiting Adults/spouses and their dependant children under 19 years of age.


Can children under the ages of 19 travel alone?
Yes they can but they will be charged the full adult rate.


What Additional Covers are available?
You have the option to upgrade your policy to include the following covers - Excess Waiver, Golf Cover, Business Equipment Cover, Flight Cancellation, Wedding Cover and Wintersports cover. Details of cover levels and policy limits can be viewed on the GreatCover.com website. All covers are subject to an additional premium.

Longstay/Backpacker


What is the age limit on a Longstay/Backpacker Policy?
49 Years of age is the max age limit on the Longstay/Backpacker Policy.


What is the maximum duration on stopovers allowed?
You are entitled to spend up to 20% of the insured duration of the trip in another area. For example if you are buying a 365 days policy to Australia you are entitled to spend 20% or 31 days max whichever is less in other areas other than Australia.


What is covered in the Longstay/Backpacker policy?
The basic rate covers the Medical Expenses, Personal Accident, Personal Liability, Legal expenses, Catastrophe Cover, Cancellation& Curtailment, Mugging Benefit, Baggage and Money, Missed Departure, Holiday Abandonment and Hijack.


What is the total duration of Wintersports Cover available on a Longstay/Backpacker policy?
There is a total of 31 days of wintersports covered provided which is subject to an extra premium. You may use these days in any order that you choose. Wintersports definitions and policy limits can be found on the policy wording.


What is the maximum trip duration?
365 Days is the maximum amount of time that we are currently able to provide.

General Questions


How will I receive my Travel Cover Document and Validation certificate?
When a purchase is made on this site you will automatically be able to print  a formal cover letter, validation certificate and Travel Cover Document. This document is your insurance certificate and it is also automatically sent to your email address. We strongly recommend you bring your travel cover document and validation certificate when you travel.

In order to keep your premiums low, we do not as a matter of course send out documents in the post. However if you wish for copies to be printed out and sent to your home address please call us and let us know (there is a £3.50 charge for policies sent out in the mail).

If you have entered your mobile phone number when booking then you will also receive a free text message with your Certificate Number, Emergency Telephone Number Abroad and Health Check Telephone Number.


What should I do if my details change or if I want to extend my policy?
Please contact us including your policy number and the required alteration. In most cases we will simply update re-send your details by email. If you need to extend your cover then there may be an additional premium to pay.


What should I or any of my travelling companions do if I/we have a pre-existing medical condition?
If you are aware, at the time of taking out this policy that you or a traveling companion have/had:

Please note we cannot provide cover in respect of the following:

You must contact on where our medical co-ordinators will tell you if the condition can be covered.


What are the Policy Age Limits ?

Annual Multi-Trip

69 years
19 – 65 yrs – Max duration  Premier Cover 31 Days / Premier Plus 60 Days
66 – 69 yrs - Max duration  Premier or Premier Plus Cover 31 Days / No Ski

Single Trip

79 years
(persons 68 - 79 years - max trip duration 35 days)

Backpackers

49 Years

Wintersports

65 years

Define a Couple ?
A couple can be defined as two co-habiting adults who are common law partners that have been co-habiting for at least 6 months. This includes same sex couples.


Is Pregnancy Covered?
Our Pregnancy cover provides cover for unforeseen events, accidents, illnesses and diseases. Normal childbirth would not constitute an unforeseen event. In any event, you must not travel against doctors advice or any carrier stipulation. Any complications or previous miscarriages need to be declared to Healthcheck.


What number of weeks is Pregnancy covered up until?
You are covered for pregnancy up to the thirty second week. If you had any previous complications or a miscarriage then they will need to contact on to declare your condition.


What if I need to Cancel my holiday/trip?
If it is deemed necessary to cancel your travel arrangements you must contact your Travel Agent/Tour Operator or Transport Company immediately and confirm in writing to AXA Assistance Claims within 48 hours. Please note that the definition of relative under this policy excludes aunt, uncle and cousin (see policy wording for full definition on page 7)


What should I be aware of in respect of Baggage/Money Claims?
If any item of your baggage is lost or stolen or damaged whilst in transit then you must report this to the Airline, Hotel or Tour Operator Representative immediately. Baggage excludes prams, wheelchairs, bicycles, diving equipment, computer equipment, antiques and mobile phones. It is important that you obtain a property damage/loss report or a PIR(Property Irregularity Report) in the case of damage/loss by an airline. Fragile items are excluded under this policy. Cash must always be kept in a safety deposit box.


Do I need a Police Report for stolen items
If you are unfortunate enough to have any stolen items or belongings whilst on holiday, then you must notify the local police within 24 hours and obtain a copy of the police report.


When should I contact AXA Assistance?
Tel: +44 845 601 9156
In the case of any medical emergency or the need to curtail your trip due to an insured reason please call AXA Assistance Ltd
If you have private medical insurance, then you must also contact that Company’s Assistance telephone number and inform them of your medical emergency.


Am I cover for Legal Liability of mechanically propelled vehicles or watercraft?
No there is no liability cover for the use of mechanically propelled vehicles or watercraft. Please check that your legal liability is adequately covered with the operator/car hire company before hiring/using motor vehicles, motorised water craft or aircraft (other than as passenger).


How do I make a Claim?
You can download a claim form here.
All claims must be reported to AXA Assistance Claims Centre  Tel: 0845 271 2459 must enclose all documentation when claiming including your policy document and your Validation cert.


What should I do if I have a complaint about the policy or a claims decision?
Please refer to the complaints procedure on page 11 of the policy wording.


Is there a cooling off period?
Yes there is a 14 Day cooling off period from receipt of the policy either at time of print, receipt of email or receipt by post.

Hazardous Activities


What Hazardous Activities are covered Free of Charge with AnnualMultitirip.com?
GreatCover.com automatically provides Medical and Personal Accident cover for the following activities, conducted on an incidental basis whilst you are on holiday:
UK Grade 1


What is the difference between 'Incidental and Non Incidental basis'?
An incidental basis means that the activity you are doing on holiday is not the specific reason for going on the holiday. Non Incidental is exactly the opposite.
Examples: "I am going on holiday and may have a go a Scuba Diving whilst I'm out there, if I can find a place that does it." - That would be participation in an activity on an 'Incidental' basis. "I am going on a specific Scuba Diving holiday, where my main intention is to Scuba Dive" - That would be on participation on a 'Non Incidental' basis.


I cannot find the Hazardous Activity I want to do on this list?
See Additional Hazardous Activities below in higher grades. If you still can't find your activity listed, please contact us on 0871 231 3222


What additional Hazardous Activities can I obtain cover for, subject to payment of an additional premium.
We can also provide Medical and Personal Accident cover for the following Activities, as per the terms and conditions stated in the policy wording, subject to payment of an additional premium.

Grade 2 - A 50% Loading on your existing travel premium to cover all activities or £30 per activity if individually selected. Medical excess £320 and 50% personal accident cover reduction.

Grade 3 - A 100% loading on your existing travel premium to cover all activities or £75 per activity if individually selected. Medical excess £650 and 50% personal accident cover reduction.

Grade 4 - A 200% loading on your existing travel premium to cover all activities or £112.50 per activity if individually selected. Medical excess £650 and 50% personal accident cover reduction.


Amateur is listed next to some of the Activities, what does this mean?
Amateur status is listed beside such sports as running, rugby, football, surfing , tennis and Waterskiing, this means that if you intend to play these sports abroad professionally (i.e. you will be receiving a monetary reward for participation in them) there is no cover under the terms and conditions of the policy for this.


Does GreatCover.com cover scuba diving?
Beginners: (This cover is provided free of charge) on an Incidental Basis
Scuba diving to the following depths. Provided you are diving under the direction of an accredited dive marshal, instructor or guide. Alternatively, if qualified, within the guidelines of the relevant diving or training agency or organization and not diving alone:

We must agree with any equivalent qualification. 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 after participating in Scuba Diving.

Advanced: (This Cover is subject to Grade 2 Activities additional premium) for Greater Dive Depths and Non Incidental Coverage.
Scuba diving to the following depths. Provided You are diving under the direction of an accredited dive marshal, instructor or guide. Alternatively, if qualified, within the guidelines of the relevant diving or training agency or organization and not diving alone:

We must agree with any equivalent qualification. 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 after participating in Scuba Diving.


The maximum altitude for trekking is 6000m, can I trek above this and still be covered?
No. No coverage would be provided by the policy if your planned trekking route exceeds this altitude unless specifically agreed by Underwriters before you embark on it.