Question?

insurefor.com realises that travel insurance can be a complex subject with common questions ranging from what countries does a European policy cover to what is a pre-existing medical condition?  Our questions section aims to answer all of your questions for you…

 
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common questions

I have not received my documents

Your policy is sent to you via the email address you provide us. Please note that some internet providers filter out automated e-mails as SPAM so please check your SPAM/junk folder if the e-mail has not been received. If you haven’t received it please email us at admin@insurefor.com or call us on 0844 482 0662 to send it again.

Alternatively for a small postage charge, your documents can be delivered by post.

Is it better value to take out travel insurance individually or as a couple, family or group?

insurefor.com offers travel insurance to all of the above variations, however we do offer discounts to couples & families.

Now get covered with our single trip travel insurance or annual multi trip travel insurance.

Can we travel independently on our couple/family travel insurance policy?

Each adult can travel independently. Dependent children can travel independently provided they are accompanied at all times by a responsible adult.

How many children can I insure on a family policy?

Up to four (4) dependent children under the age of 18.

Does insurefor.com offer free kids travel insurance?

Yes. insurefor.com offers free kids travel insurance providing there is at least one adult on the policy.

How many times can I travel on my annual multi trip insurance?

You can travel as many times as you wish on the annual multi trip insurance, the area is dependent on the type of policy you have purchased. The annual insurance can be purchased for Europe, Worldwide excluding USA and Canada or Worldwide which allows you to travel anywhere in the world.

You need to take into consideration the length of time that you are travelling. Any individual trip must not exceed 31 days, this can be extended to 45, 62 or 92 days upon payment of an additional premium. If your trip is longer than 92 days you will need to purchase a single trip policy to cover that period.

Simply add these extensions on during the ‘tailor your policy’ stage of our simple quote process. If you already have a policy and need to upgrade to increase the maximum trip duration simply call our UK call centre 0844 482 0662.

I forgot to take travel insurance before I left the U.K can I still be covered?

Unfortunately you can not be covered if you have left the UK.

What do I need to take on holiday with me?

Please ensure that you take a copy of your certificate of insurance and a copy of the full policy wording - these documents contain important numbers that you may require whilst travelling.

Lost passport?

You should report the loss or theft of your passports to the local police as soon as possible. You will need the crime reference details they provide for the Lost or Stolen Passport Notification form. You should also report the loss or theft to the UK Foreign and Commonwealth Office. You can obtain details of your local FCO office wherever you are by calling +44 (0) 20 7008 1500 (0870 606 1500 within the UK) or by visiting the FCO website. The FCO will issue you with replacement travel documents so that you can travel back to the UK.

What do I do in the event of my travel agent/tour operator/airline company going into administration?

Unfortunately there is no cover under this policy if your travel agent or tour operator go into administration, if they are an ABTA member you can submit a claim to them for the cost of your holiday.

If you have booked each component part of your holiday separately (flight, accommodation, car hire) and one of these companies goes into administration you can put in a claim on your travel insurance policy.

If the claim is for an airline that has gone into administration, please contact International Passenger Protection on +44 (0) 20 8776 3752.

If the claim is for accommodation or car hire etc, please contact Direct Group on 0844 412 4296

What happens if my bag is stolen with all my travel documents and money whilst I am travelling?

You must report theft or losses to the police or relevant authority within 24 hours of the event and obtain a written report. These reports are the only proof that the loss/theft did actually occur. Without them the underwriter cannot make any payment to you. If you leave luggage and personal items unattended in a public place then the underwriter cannot be held responsible for any resultant claim. You should always take reasonable care to look after your property and treat it as if it were not insured. There is no cover for cash or valuables left in an unattended vehicle at any time, even if the vehicle is locked.

Am I covered if strike/industrial action occurs?

If departure from or to the United Kingdom or Isle of Man is delayed for at least 12 hours from the scheduled time of departure as a result of strike or industrial action the insurer will compensate you as follows:

  • Travel Delay The amount shown in the Schedule of Benefits for the first full 12 hour period of delay, up to the maximum amount shown in the Schedule of Benefits, provided always that you obtain in writing from the carrier a statement confirming the length and exact nature of the delay.
  • Abandonment If you choose to cancel your trip following a delay of not less than 12 hours beyond the scheduled departure time (and written confirmation obtained from the carrier), the Insurer will indemnify you up to the amount shown in the Schedule of Benefits for travel, accommodation, car hire & excursions paid or contracted to be paid by you in respect of your own trip (prior to any occurrence giving rise to a claim under this section) and which are not recoverable elsewhere.
  • Transport Cancellation Up to the amount shown in the Schedule of Benefits for the cost of a replacement ticket for each insured person in the event that the public transport on which you are booked to travel is cancelled at the final departure point from or to the United Kingdom or Isle of Man and no alternative can be provided within 12 hours of the intended departure time.

Are my glasses covered?

Yes, there is cover for glasses on our policies, they are included as valuables. However, the maximum amount that will be paid for sunglasses or prescription glasses of any kind is £150.

geographical limits

Does insurefor.com cover non UK residents?

insurefor.com policies are only available to residents of the UK or Isle of Man and are registered with a medical practitioner. However if you are not a UK resident please contact us directly as we may be able to offer you an alternative policy.

Am I covered to travel within the UK?

You are covered for trips in the UK providing you have at least three nights pre-booked and paid accommodation.

What countries are covered by insurefor.com?

The geographical limits are;

Area 1 – United Kingdom

Area 2 – Albania, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Channel Islands, Croatia, Cyprus, Czech Republic, Denmark (including Faroe Islands), Egypt, Estonia, Finland, France (including Corsica), Georgia, Germany, Gibraltar, Greece (including Greek Isles), Hungary, Iceland, Ireland, Italy (including Aeolian Islands, Sardinia, Sicily), Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Netherlands, Norway (including Jan Meyen, Svalbard Islands), Poland, Portugal (including the Azores and Madeira Islands), Romania, Russia (European), San Marino, Serbia/Montenegro (including Kosovo), Slovakia, Slovenia, Spain (including the Balearic Islands and Canary Islands), Sweden, Switzerland, Turkey, UK Area, Ukraine, Vatican City.

Area 3 – Worldwide (excluding the United States, Canada, Bermuda and the Caribbean)

Area 4 – Worldwide (including the United States, Canada, Bermuda and the Caribbean)

Can I upgrade my policy?

Yes, you can upgrade your policy to a different geographical limit, add winter sports cover, cruise cover or even extend your trip duration upon payment of additional premium subject to terms and conditions. However once the policy has been purchased you are unable to add an excess waiver, gadget cover or car hire excess to the policy. Please contact one of our friendly members of staff on 0844 482 0662.

What do I do if I plan to visit more than one country?

You would need to select the geographical limit that includes all of your destinations, so for example if you are travelling to Spain and then France you would select the European policy. However if you are going to Dubai and then stopping off in Italy for a few days, you would need to purchase a Worldwide excluding USA and Canada policy.

Which area would I need to purchase if travelling to Egypt, Tunisia, Turkey and Morocco?

With insurefor.com Egypt and Turkey are covered under our Europe area. However, Tunisia and Morocco are covered under our Worldwide excluding USA and Canada area.

policy & purchase details

How can I purchase travel insurance from you?

You can purchase our policies online or alternatively you can call one of our friendly members of staff in our UK call centre on 0844 482 0662 and they will help you tailor a policy to suit your needs.

What is the difference between economy, standard and premier cover?

These are the different levels of cover offered under this policy. Economy offers the least cover, with the highest excess for the cheapest premium. Standard offers a wider range of cover at higher levels with a reasonable excess and is priced reasonably. Premier cover provides the widest range of cover and the highest levels of protection for you and requires you to pay the least amount of excess. As a result premier cover is the more expensive choice.

What ages do I enter to obtain a quote?

Please enter the age at the time of purchase.

When do I start my policy from?

At the time of booking your travel arrangements to ensure you have adequate cancellation cover for that trip. However, when purchasing a single trip travel policy you select your trip dates and your cancellation cover will start on the day of purchase.

How can I pay for my travel insurance?

You can pay online using our secure system where all data is encrypted. We hold your details according to the Data Protection Act 1998 so rest assured.

If you do not feel comfortable online then you can call one of our friendly staff in our UK call centre on 0844 482 0662 and they will help you with your policy.

We accept Visa, MasterCard, Maestro/Switch, Solo, Visa Electron, Delta and American Express.

What are my cancellation rights?

You have the right to cancel your policy within 14 days of the purchase providing there are no claims pending on the policy and you haven’t already travelled.

Can I change my policy once I have purchased it?

You are able to upgrade the policy to a different geographical limit, add winter sports cover, cruise cover or even extend the duration upon payment of an additional premium subject to terms and conditions. However once the policy has been purchased you are then unable to add an excess waiver, gadget cover or car hire excess to the policy.  You may be charged an admin fee to change your policy.

Can I update my details?

If you need to change names and/or your address, please contact us on 0844 482 0662

Can I extend my stay whilst away?

Unfortunately, you are unable to extend your policy whilst you are away; therefore you need to ensure that you are purchasing the correct policy. However if due to unforeseen circumstances such as the flight being cancelled or delayed due to no fault of your own, the policy will be automatically extended for you.

Am I covered for cancellation?

You are covered for the cancellation of your holiday for the reasons stated in the policy wording. You may be able to claim (subject to the policy terms and conditions) for any travel or accommodation costs that you have either already paid or are contracted to pay, that you cannot reclaim from the tour operator.

What is a policy excess?

Most sections of the policy carry an Excess and this works exactly the same as car insurance. This is the first amount of any claim that you will have to pay. The amount may vary depending on the level of cover you have chosen. It is applicable per person per section of the policy. The Excess will be reduced to NIL if you have used an EHIC (Formally E111) to reduce your medical expenses bill or paid the Excess Waiver upgrade.

How can I stop my annual multi-trip policy being automatically renewed?

If you do not wish to have your annual multi-trip policy renewed then please feel free to opt out of automatic renewal by visiting http://www.rockinsurance.com/autorenew.

eligibility

What is the maximum age you can insure up to?

Single trip policies we insure up to 74 - if you are over 74 and require cover for a single trip, please contact our UK call centre on 0844 482 0662

Annual multi-trip policies we insure up to 64 - if you are over 64 and require cover for an annual multi-trip then please contact our call centre on 0844 482 0662

Winter sports - 64 years at time of purchasing your insurance

I forgot to take travel insurance before I left the UK can I still be covered?

Unfortunately you cannot be covered if you have left the UK.

What is classed as a UK resident?

This policy is only available to you if you are permanently a resident in the United Kingdom or the Isle of Man and registered with a medical practitioner in one of these areas.

Can non UK residents be covered under your policy?

No, only UK residents can purchase the insurefor.com policy.

medical and health

Does insurefor.com cover pre-existing medical conditions?

Yes. If you have a pre-existing medical condition then you should check to see whether this is covered under the Waived Conditions list on page 3 of your policy wording. If the condition is not on this list, or you have more than one condition and one of them is not on this list, then you need to contact Medical Screening to declare all your pre-existing medical conditions.

You can contact Medical Screening on 0843 658 0329. Your pre-existing medical conditions will not be covered unless you have declared all conditions, received acceptance of this in writing, and paid an additional premium.

If cover is refused for my medical condition am I still covered?

You will not be covered should any event arise as a result of your pre-existing medical condition. However, all other events/circumstances will still be covered under the policy providing that the terms and conditions are met.



What do I do in the event of a medical emergency?

Please notify the assistance company immediately about any serious illness or accident abroad where you have to go into hospital or return home early (you shoudl first check that the circumstances are covered by your policy).

If you purchased your policy on 1 December 2013 or later please contact:

Global Response on: Tel: 00 44 (0) 843 658 0343 or 00 44 (0)1293 652831

Please quote scheme reference 13Q13, 13Q14

If you purchased your policy before 1 December 2013 please contact:

Global Response on: Tel: 00 44 (0) 843 658 0343 or 00 44 (0)1293 652831

Please quote scheme reference 12Q13, 12Q14, 12Q15

 

Am I covered if I am pregnant?

Yes, cover is provided for complications of pregnancy. Pregnancy itself is not deemed to be an illness or pre-existing medical condition. Cover will only apply if a complication of pregnancy occurs. Please refer to the meaning of words in the policy wording for the definition of complications of pregnancy. Please note that if the due date coincides with the time of travel there is no cover under this policy.

emergencies and claims

What do I do in an emergency?

Please notify the assistance company immediately about any serious illness or accident abroad where you have to go into hospital or return home early (you shoudl first check that the circumstances are covered by your policy).

If you purchased your policy on 1 December 2013 or later please contact:

Global Response on: Tel: 00 44 (0) 843 658 0343 or 00 44 (0)1293 652831

Please quote scheme reference 13Q13, 13Q14

If you purchased your policy before 1 December 2013 please contact:

Global Response on: Tel: 00 44 (0) 843 658 0343 or 00 44 (0)1293 652831

Please quote scheme reference 12Q13, 12Q14, 12Q15

What do I do if I need medical assistance when travelling?

Please notify the Assistance Company immediately about any serious illness or accident abroad where you have to go into hospital or you may have to return home early or extend your stay (you should first check that the circumstances are covered by your policy). Please contact the Assistance company on the numbers shown below, giving your name and Certificate number

Please notify the assistance company immediately about any serious illness or accident abroad where you have to go into hospital or return home early (you shoudl first check that the circumstances are covered by your policy).

If you purchased your policy on 1 December 2013 or later please contact:

Global Response on: Tel: 00 44 (0) 843 658 0343 or 00 44 (0)1293 652831

Please quote scheme reference 13Q13, 13Q14

If you purchased your policy before 1 December 2013 please contact:

Global Response on: Tel: 00 44 (0) 843 658 0343 or 00 44 (0)1293 652831

Please quote scheme reference 12Q13, 12Q14, 12Q15

How do I make a claim?

Claims forms can be obtained from www.global-response.co.uk/claimsform Alternatively telephone Our Claims Helpline on 00 44 (0) 843 658 0345 or e-mail claimsforms@global-response.co.uk to obtain a claim form, giving Your name and Certificate number, and brief details of Your claim.

Please note that it is a condition of your policy that you notify us of your intention to make a claim within 28 days of your return date.

When you contact us please ensure that you have the following information available to you as we will require it to process your claims.

 

Your policy number
Date of purchase of your policy
Travel itinery
Country and resort you visited or intended to visit
Actual or intended travel dates
Incident date
Brief circumstances of your claim
Value of your claim

sports & activities – including golf

Does insurefor.com cover sports?

Simple, yes. Obviously different sports have differing levels of risk, so we have split sports and activities into four different cover levels.

Table A you are automatically covered under regular insurefor.com policies (e.g. football).

Table B (e.g. jet skiing) you are automatically covered under regular policies however there is no cover for personal accident or personal liability (see policy wording for further details – page 9).

Table C (e.g. rugby) offers greater risk sports and activities and can be added to your policy for an additional premium at the ‘tailor your policy’ section of our quote process.

Table D (e.g. polo) offers greater risk sports and activities and can be added to your policy for an additional premium at the ‘tailor your policy’ section of our quote process, however there is no cover for personal accident and personal liability (see policy wording for full details).

What does no cover in respect of personal accident and personal liability mean?

Personal accident - No cover will apply, if you suffer accidental bodily injury during the trip, which within 12 months is the sole and direct cause of death or disablement.

Personal liability - No cover will apply, if in the course of a trip you become liable for accidental bodily injury to or the death of, any person and/or accidental loss of or damage to their property.

However, Personal accident and Personal Liability are separate sections within the policy and cover under Medical emergency would still apply.

Am I covered for scuba diving?

Yes, you are covered for scuba diving at no additional premium on insurefor.com policies up to 30m, within the terms and conditions of special sports and activities table A.

Now get covered with our single trip travel insurance or annual travel insurance.

Can I get Golf Cover?

insurefor.com offers a special golf insurance cover which can be added at the ‘tailor your policy’ section of the quote process.

We offer excellent cover for your golf equipment up to £1,500 and £500 per single item. So make sure you are covered with our golf travel insurance.

Are my golf clubs covered?

Providing you have purchased the additional golf cover upgrade, your golf clubs are covered up to a maximum of £1,500, with £500 single article limit depending on which policy you have taken out. Now get a quote for golf travel insurance.

What do you describe golf equipment to be?

Golf clubs, golf bags, golf shoes, golf trolley owned or hired by you. Now get a quote for golf travel insurance.

winter sports

What age can I get winter sports cover up to?

Provided you are 64 or under, you can purchase our winter sports upgrade at the tailor your policy stage of our quote process. If you are over the age of 64 and require cover for winter sports, please contact 0844 482 0662.  Now get a quote for winter sports travel insurance.

What activities are covered for winter sports?

Provided you have paid the winter sports upgrade, you are covered for: ski equipment, piste closure, avalanche cover and ski pass cover

Activities covered are:
Cat skiing (with guides)
Cross Country Skiing
Glacier Skiing
Ice Hockey
Langlauf (cross country skiing)
Mono Skiing (no time trials/speed skiing or racing)
Skiing on Piste
Skiing or Snowboarding off Piste (within ski patrol guidlines)
Sledging/Tobogganing
Snow Blading (no jumping or tricks)
Snow Bobbing
Snow Scooting
Snow Shoe Walking
Snow Shoeing
Snow Tubing
Snow Blading
Snow Boarding on Piste
Tobogganing
Husky Dog Sleighing
Husky Safari
Kick Sledging

Sledging (pulled by a horse or reindeer as a passenger)
Kite Snowboard (No personal accident or personal liability cover)
Skidoo (No personal accident or personal liability cover)
Snow Carting (No personal accident or personal liability cover)
Snow Go Karting (No personal accident or personal liability cover)
Snow Mobile Safari (No personal accident or personal liability cover)

Snow Mobiling (No personal accident or personal liability cover)

Now get a quote for winter sports travel insurance.

What activities are not covered?

Arial Skiing
Heli skiing
Biathlon
Bobsleigh
Freestyle Skiing
Heli Skiing or Heli Boarding
Ice Climbing
Ice Diving
Ice Fishing by Snowmobile (snowmobile driving by guides)

Ice Holing
Ice Marathon
Ice Speedway
Ski Acrobatics/Aerials
Ski Bob Racing
Ski Jumping
Ski Mountaineering
Ski Race Training
Ski Racing

Ski Randonee
Ski Stunting
Ski Touring
Ski Yawing
Skiing off-piste (outside ski patrol guidlines/outside recognised and authorised areas)
Tandem Skiing

How many days winter sports cover do I have?

On a single trip policy there is no limit on winter sports cover.

On an annual policy you have one trip of up to 17 consecutive days winter sports cover.

Now get a quote for winter sports travel insurance.

Am I covered for off-piste skiing?

Yes, when within local ski partol guidelines.
Now get a quote for winter sports travel insurance.

Am I covered if my skis/snowboard go missing in transit?

Yes provided you have paid the additional winter sports premium, up to the amount outlined in your policy wording.
Now get a quote for winter sports travel insurance.

Am I covered for piste closure, avalanche or landslide and loss or theft of my ski pass?

Yes provided you have paid the additional winter sports premium, to the amounts outlined in your policy wording.
Now get a quote for winter sports travel insurance.

business & cruise

What’s the longest duration I can get business cover for?

Providing you have paid the additional premium, cover is available for up to 31 days. It is NOT available on economy or extended stay policies.
Now get a quote for business travel insurance.

Am I covered for business equipment and what is the definition of business equipment?

Yes, if you have taken out our business travel insurance.

Business equipment relates to computer equipment, communication devices and other business related equipment which is carried by You in the course of Your Trip. It incorporates business goods or samples, presentation materials, packaging/cases, technical materials/equipment directly associated with your trade or profession.
Now get a quote for business travel insurance.

What is Gadget Travel Insurance?

Insurefor.com Gadget Travel Insurance is designed to cover personal electronic gadgets and communication devices you carry with you on holiday. It is always surprising the value of the items that we carry in our luggage/handbag, and it’s only when something goes wrong do we understand the true value both financially and personally. This flexible cover enables you to insure any gadget up to 3 years old at the date of registration.

Up to 3 gadgets valued at £1000 in total from just £XX per single trip
Up to 5 gadgets valued at £2000 in total from just £XX per single trip
Up to 7 gadgets valued at £3000 in total from just £XX per single trip

What is a Gadget?

A gadget is an electronic device designed by the manufacturer to be portable with its own internal power source, which can be used in or away from the home.

What is covered under the policy?

Accidental Damage – We will pay repair costs if your gadget is damaged as a result of an accident during the policy period.

Theft – if your gadget is stolen during the policy period we will replace it. Where only part or parts of your gadget have been stolen, we will only replace of that part or parts.

Malicious Damage – If your gadget is damaged through the intentional or deliberate actions of another party we will repair it. Where only part or parts of your gadget have been damaged, we will only replace that part or parts. Please refer to the Policy Wording for full cover, benefits, limits and exclusions.

Whose gadgets can I insure under my policy?

The insured person(s)  named on the policy schedule

Can I insure second hand gadgets?

This insurance only covers gadget(s) purchased as new. Second hand items are not eligible for cover.

Am I covered if I bought my electronic item from an auction site?

No, this policy does not cover items purchased from online auctions.

Is there an age restriction on the item I can insure?

The item must be less than 36 months old from the date it was purchased as new. If the insured item is a laptop, it must be under 12 months old when the policy is started.

Is there an excess fee?

Yes. There is an excess fee for all successful claims which must be paid before your claim can be approved. This is dependent on the level of insurance cover you have taken out:

  • Up to 3 gadgets valued at £1000 in total - £25 policy excess
  • Up to 5 gadgets valued at £2000 in total - £40 policy excess
  • Up to 7 gadgets valued at £3000 in total - £50 policy excess

Do I need to supply a receipt if I make a claim?

In the event of a claim you will need to provide the original receipt for the purchase of your gadget for which you are claiming. The receipt must be in the same family name.

If you do not possess or were never issued with a receipt for your gadget (as they were provided free as part of a contract, e.g. mobile phone), you will need to provide evidence of the original order and/or contract under which the gadget was supplied.

What should I do if I replace my insured item (or one of my gadgets)?

We do not need to know if you replace your insured item.

When does my cover commence?

Your cover starts when your trip(s) begin.

When does my policy end?

Single Trip policies: As per your Certificate of Insurance, if you have chosen a Single Trip Policy it will continue until you return to the UK on the date given when purchasing the policy or if you cancel your policy with us by email, fax, post or telephone.  This does not affect your 14 day statutory right to cancel.  Upon cancellation, cover will terminate immediately (subject to your 14 day Statutory right to cancel).

Annual policies: As per your Certificate of Insurance, if you have chosen an Annual Policy your period of insurance is 12 months from the date of purchase or renewal. Upon cancellation, cover will terminate immediately and providing you have not made a claim you will receive a pro rata refund of the premium (subject to your 14 day Statutory right to cancel).!Please note that if you do cancel your policy, your handset will no longer be covered against any major eventualities that your policy covers (such as theft, accidental damage or malicious damage).

How can I pay for my policy?

You can pay online using our secure system where all data is encrypted. We hold your details according to the Data Protection Act 1998 so rest assured. If you do not feel comfortable online then you can call one of our friendly staff in our UK call centre on 0844 482 0662 and they will help you with your policy. We accept Visa, MasterCard, Maestro/Switch, Solo, Visa Electron, Delta and American Express.

How soon will I receive my policy documents after purchasing a policy with you?

Your policy is sent to you via the email address you provide us. Please note that some internet providers filter out automated e-mails as SPAM so please check your SPAM/junk folder if the e-mail has not been received. If you haven’t received it please email us at admin@insurefor.com or call us on 0844 482 0662 to send it again. Alternatively for a small postage charge, your documents can be delivered by post.

How do I make a claim?

To claim, phone the administrator on 0844 875 1538 Quoting EW144/INSUREFORGADGET Please note that it is a condition of your policy that you notify us of your intention to make a claim within 48 hours of returning to the United Kingdom.

When you contact us please ensure that you have the following information available to you as we will require it to process your claims:

Master policy reference of EW144/Insureforgadget Your policy number Date of purchase of your policy Travel itinery Country and resort you visited or intended to visit Actual or intended travel dates Incident date Brief circumstances of your claim Value of your claim

Do I have to complete a claim form?

Yes, a claim form will be sent out from the administrator.

How can I cancel my insurance?

You may cancel your insurance policy within 14 days of purchase without penalty and we will provide a full refund providing that you have not made a claim during the 14 days. After 14 days, you may cancel the policy at any time. Please note that if you do cancel your policy, your gadget will no longer be covered against any eventualities that your policy covers (such as theft, accidental damage or unauthorised calls).

You can cancel your insurance, by giving notice of cancellation by email admin@insurefor.com, fax, post or telephone quoting your policy reference.

Please refer to the Policy Wording / Terms and Conditions for full details.

Who is the policy underwritten by?

Gadget travel insurance is arranged by Rock Insurance Services Limited, underwrittenby Jubilee, Lloyd’s Syndicate 5820, and administered on their behalf by Citymain Administrators Limited. Rock Insurance Services Limited and Citymain Administrators Limited are authorised and regulated by the Financial Services Authority.

If I have a complaint, what should I do?

It is our intention to give you the best possible service but if you do have any questions or concerns about this insurance or the handling of a claim you should in the first instance contact:

The Managing Director Citymain Administrators Limited PO Box 116 Ryde PO33 2WX

In all correspondence please state your insurance is provided by Rock Insurance Limited and quote scheme ref EW144/insureforgadget

How will my complaint be dealt with? We aim to deal with any complaint within 24 hours of receipt however we guarantee that you will be contacted by letter or telephone within 5 days of receipt of your complaint.This will either be a response to your complaint or if we are not able to respond at this time we will inform you of who is handling your complaint, provide a reference for your complaint, and explain why we are unable to respond at this time. If after 4 weeks, we have still unable to resolve your complaint you will receive a further letter informing you of our progress.

If after a further 4 weeks we are still unable to resolve your complaint you will receive a letter explaining why we cannot respond to your complaint. We will indicate when we expect to respond and will provide details of your right to refer your complaint to The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, Docklands, London E14 9SR. Tel: 0845 080 1800.

Your statutory rights are not affected if you choose to follow any of the complaints procedures above. For further information about your statutory rights contact your local authority Trading Standards Service or Citizens Advice Bureau.

I cannot find the answer to my question.

What next? Please contact us on admin@insurefor.com