Frequently Asked Questions:
WHAT IS ANNUAL MULTI-TRIP INSURANCE?
This insurance policy gives cover for an unlimited number of trips 21, 30 or 45 days a time with cancellation cover over a defined one year period selecting either Europe or Worldwide options. Cover can be offered to individuals, couples, 1 or 2 parent families with children under 18 with options to include wintersports and/or golf equipment.
WHAT IS SINGLE TRIP INSURANCE
This insurance policy gives individual cover for one sole journey of a specified number of days. Cover is available for stays from your choice of 2-31 days selecting the areas of UK, Europe, Australia & New Zealand or Worldwide.
WHAT IS BACKPACKER INSURANCE
This insurance policy gives individual cover for the 18-45 age group either in Europe or Worldwide for a continuous period away from 3-12 months. Ideal for the gap year traveller.
WHAT IS SKI INSURANCE?
This insurance policy gives individual cover for one sole winter sports holiday of a specified number of days. Cover is available for stays from your choice of 2-31 days selecting the areas of UK, Europe, Australia & New Zealand or Worldwide.
BAGGAGE COVER - DO I NEED IT?
Many people already have their personal possessions covered under the “all risks” section of the home and contents policy covering items up to a certain value out of the home. Expensive items like cameras, computers etc should always be covered separately on an all year round policy - call MRL Home & Contents Insurance for further advice or a quote on 0800 389 8505.
WHY DOES AGE GOVERN PRICES?
Travel underwriters look at previous year's travel insurance claims statistics to monitor the ratio of paid insurance premiums to claims paid out and this formula means that prices do increase with age to cover the increasing risk of a claim.
WHAT COVER DO I GET?
This will depend on the level you decide is best for you. You will have a price choice from medical cover only through cancellation, baggage, lower excess with varying levels of extra cover for a variety of unexpected occurrences.
WHAT IS AN EXCESS?
This is the amount that the insurer will deduct from your claim payment under specific sections of the terms of the specific insurance policy at the time of finalising an agreed claim.
WHAT IS GOLF TRAVEL INSURANCE?
This insurance policy gives individual cover for cancellation from the day it is taken out for one sole golfing holiday of a specific number of days also covering golf equipment loss and non-refundable green fees. Cover is available for stays from your choice of 2-31 days selecting the areas of UK, Europe, Australia & New Zealand or Worldwide.
HOW DO I MAKE A CLAIM?
Just read the policy document to find the details of the claims office and phone number. Proof of loss and purchase/ownership of lost items will be needed to progress your claim. Medical emergencies can be handled by contacting the relevant service at the time of a medical emergency at which time often payment will be made direct to the medical services.
