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Date: 20/01/2014

The importance of reading policy wording

So, you're considering taking out an insurance policy with Great; you'll benefit from competitively priced travel insurance that will protect you and your family no matter what you get up to on holiday. Many people don't take the time to read through policy wording when taking out travel insurance, and it's important to thoroughly read through this before taking out your insurance and also once your policy documents arrive, as you have 14 days from the receipt of your travel insurance documentation in which you are permitted to cancel your policy and receive a full refund.

Why bother reading?

You might be wondering why you need to bother reading the policy documentation and wording so closely; surely most people just skip over it? If you need to put in a claim during your travels, you could be disappointed if you've failed to read the wording properly, as you may find you're not covered or the policy is not suitable for your needs. 36.0pt; mso-footer-margin:36.0pt; mso-paper-source:0;} div.WordSection1 {page:WordSection1;} --> Why bother reading?

What do I need to know?

If you're taking out a travel insurance policy with, you should be aware that your trip must start and end in the UK and a return ticket must have been booked prior to travel. You should also note that the policy may not cover you if any of the following applies to you:

  • You're over 74 and have taken out a single trip policy
  • You're over 64 and have taken out an annual policy
  • You're over 64 and need winter sports cover
  • You live outside the UK

It's also worth checking that your travel insurance policy will cover you for the destinations that you intend to travel to- if you're visiting the US and Canada, you will need to ensure this is included in Worldwide Cover.

Call your airline

You may not need to claim through if the worst happens, in some cases you can you can claim through your airline - this usually applied is you're travelling within the E.U. If you don't get what you've paid for, for example part of your holiday or package, you can claim through your airline- you can usually claim if your flight is cancelled, overbooked or delayed for 2 hours or more. Likewise if your baggage is lost, damaged or delayed by your airline you can contact them to claim. offer great value for money, comprehensive travel insurance, but it's vital to read the policy wording before you take out cover for your adventures.