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A resident of the United Kingdom is someone who permanently resides in the United Kingdom (excluding Channel Islands and Isle of Man) and has been for the past six months prior to the issue date of your policy. We are unable to provide cover for anyone who is not a resident of the United Kingdom.

You must purchase your travel insurance prior to your departure from the United Kingdom.

Please enter your age at the time you purchase the policy.

When you purchase insurance from us, you will receive a booking confirmation to the email address supplied during the booking process, once payment has been successfully processed. This email will have your Validation Certificate, Policy Wording and Insurance Product Information Document and Terms of Business attached. You are also able view your policy documentation via your online account, which can be accessed using the "Manage your policy" login section of our website. 

If you wish you can also request to receive your documents by post as well as email, by contacting us on 0333 355 0255. Please be mindful of your Environmental Impact when requesting your documents to be sent by post. 

We strongly recommend you bring your Validation Certificate and Policy Wording with you when you travel.

If you need to make a change to your policy/details you can use your "Manage your policy" login. There are lots of different functionalities here. If you are unable to make the required change/upgrade please contact us on 0333 355 0255 and we will be happy to assist you.

All of the above destinations would be covered on a European policy.

A medical condition means any person to be insured who has:  

1. Ever suffered from, been diagnosed with, or treated for any:  

• Cancerous condition  

• Respiratory and or lung condition (including but not limited to asthma or COPD)  

• Diabetes, heart or circulatory conditions (problems with blood flow, including strokes, high blood pressure, and cholesterol), heart attack, angina, transient ischaemic attack, ischemic heart disease, or any other heart condition and/or brain haemorrhage  

•  received an organ transplant or dialysis   

• psychological conditions such as stress, anxiety, depression, or psychiatric condition such as eating disorders, drug or alcohol abuse or mental instability.  

2. In the last two years:  

• been a registered in or out-patient.  

• been prescribed medication or required medical treatment.  

• had any routine review, medical test, or check up for any previously diagnosed Medical Condition.  

If the policy does not cover your medical condition(s), all claims directly or indirectly related to that medical condition will be excluded. The rest of your travel insurance cover will not be affected by this exclusion.

Family means up to two adults and four children, step children or foster children aged under 19 accompanying the parents or legal guardian insured on the same policy travelling on any Trip to the same destination. Under Annual Multi-trip cover any child under 19 years cannot travel independently.  

We provide cover under this policy if something unexpected happens. We do not consider pregnancy or childbirth to be an illness or injury. Cover is automatically provided under section A (Cancellation or Curtailment) and section B (Emergency Medical and other Expenses) for complications of pregnancy and childbirth which developed after You have taken out the policy or booked a Trip (whichever is later), provided Your Medical practitioner and midwife are aware of Your travel plans and that You are not travelling against medical advice. For further details please see your Policy Wording.

No. You may receive a reimbursement if you cancel for any reason outlined in your Policy Wording. Covered reasons include, but are not limited to, such unforeseen emergencies as illness, injury or death of you, your travelling companion and/or a close relative. The cover does not include cancellation due to business obligations, change of mind or your dislike of the travel time.

If you are unfortunate enough to have any lost/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.

In the case of any medical emergency or the need to curtail your trip due to an insured reason please contact Zurich Assist. Contact details can be found in your Policy Wording or please refer to the Claims page.

Please refer to the Claims page for further details.

An excess is the amount you have to pay towards the claim. In practice this is deducted from any settlement amount and is charged per person per claim.

Please refer to the complaints procedure in the Policy Wording.

Once you have purchased your travel insurance, subject to the condition detailed in the note below, you are entitled to a 14 day cooling-off period. If you contact us within this cooling-off period, you are entitled to a full refund of your travel insurance policy, provided you have not travelled, made any claims on the policy or used the policy to obtain a Visa. To cancel your travel insurance and claim your refund, you can contact us by telephone on 0333 355 02 55 or by email to info@greatcover.com.

There is no restriction on the number of times you can go away during the period of this insurance on an Annual Multitrip Insurance policy as long as you do not exceed the maximum trip duration or total days allowed in any one Period of Insurance. Your maximum trip duration is noted on your Validation Certificate. 

If you do not want to us to auto-renew your policy, just call us on 0333 355 0255, otherwise we will collect the renewal premiums from your credit card or debit card. 
 
You should also note that your renewed policy will only be valid when: 
- you have told us about any changes to your policy details (including any changes in health conditions) as you will still be required to declare any medical conditions; 
- and your credit card or debit card details have not changed. 
 
In some cases we may not be able to automatically renew your policy; we will let you know at the time if this is the case. For the facilitation of the auto renewal service we will assume that your details have not changed and you have the permission of the card holder unless you inform us otherwise. 

You will need to start your policy on the day that you leave to go on your trip and end it on the day you return back to the United Kingdom. Cover for cancellation on a Single Trip policy starts as soon as the policy is purchased.

The policy automatically provides cover for Personal Accident and Emergency Medical Expenses for the activities listed under Grade 1 in your Policy Wording once they are conducted on an incidental basis whilst you are on holiday. See Policy Wording for full details.

We can also provide cover for additional activities under Grade 2 - 4, subject to an additional premium. See Policy Wording for full details.