Frequently asked questions |
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| Below are some commonly asked questions. If you have a question that is not answered below then please use the Contact Us page. |
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How do I use this website? |
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To get a quick quote first choose your policy type (annual multi-trip, single-trip or backpacker), then select the area and period of travel (area of travel and start date for annual multi-trip), and number of travellers. Then select the policy/cover you require and choose whether you wish to add or delete cover. If you are happy with the price quoted, proceed to purchase after having entered your details as well as those of others to be insured. You must be able to confirm that you and each person to be insured can comply with the Disclosure of pre-existing medical conditions and are eligible for cover and that you have read the Policy Summary (keyfacts), Policy Wording, about our insurance services and Demands and Needs Statement.
You can pay for your travel insurance online with a Visa, Mastercard, Maestro or Delta card. Your policy details will be displayed in a printable format and automatically sent to your email address.
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How much will my travel insurance cost? |
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You can obtain a travel insurance policy for as little as £5.32*. The cost of your policy will depend on the type of policy and cover you require, the area you'll be travelling to (or the areas you expect to be travelling to in the case of annual multi-trip), the duration of your trip (for Single-trip) and the number of people travelling.
* Premium £5.32 includes Insurance Premium Tax; based on an individual traveller aged under 55 taking out a 'Standard' single-trip policy for 3 days in Europe excluding baggage cover and purchased within 14 days of departure date. |
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How can I pay? |
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You can pay online using a Visa, Mastercard, Maestro or Delta card. |
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How is my policy delivered? |
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Your policy is delivered via your email address. |
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Who is eligible to take out a policy? |
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24/7 travel insurance is available to persons who have had their main home in the United Kingdom or the Channel Islands and have not spent more than six months abroad in the year before buying this policy.
For single-trip and annual multi-trip you must be aged 54 or under to qualify.
For backpacker you must be aged 35 or under to qualify. |
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Are children covered? |
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Children of the principal policyholder aged under 18 and residing at home can be covered providing they are accompanying the principal policyholder and/or his/her spouse. |
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Under an annual multi-trip policy, can children travel independently of an insured adult? |
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No. Adults may travel independently but children must be accompanied by an insured adult. |
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Does the annual multi-trip policy cover holidays taken in the UK or the Channel Islands? |
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Yes, provided the trip is for a minimum period of 3 days. |
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How long can I travel for? |
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Our annual multi-trip insurance covers you for an unlimited number of trips throughout the year, each up to a maximum of 31 days long.
Our single-trip insurance covers individual trips up to a maximum of 94 days long.
Our backpacker insurance covers individual trips up to a maximum of 18 months. |
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What countries are covered in each area of travel? |
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Whether you are travelling in the UK, Europe or Worldwide, we have a policy to suit you:
Area 1. Europe -
including the Channel Islands and all countries west of the Ural Mountains, Algeria, Morocco, Tunisia, Turkey, the Azores, Canaries Islands, Madeira and Mediterranean Islands and the United Kingdom.
Area 1A. Australia & New Zealand (including stop over not exceeding 48 hours in Area 2 and Area 3) (Backpacker Policy Only).
Area 2. Worldwide - excluding USA, Canada, Caribbean
All countries excluding USA, Canada, Caribbean.
Area 3. Worldwide - including USA, Canada, Caribbean
All countries including USA, Canada, Caribbean. |
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Can I get travel insurance if I have an existing medical condition? |
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How do I know what I'm covered for? |
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Who are the Insurers? |
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24/7 travel insurance is arranged by P J Hayman & Company Limited and underwritten by Union Reiseversicherung AG. UK Branch except for BONDPLUS (Financial Failure) which is underwritten by IGI Insurance Company Limited.
P J Hayman & Company Limited, Union Reiseversicherung AG. UK Branch and IGI Insurance Company
Limited are authorised and regulated by the Financial Services Authority. This can be checked on the FSA's register by visiting the FSA's website
at www.fsa.gov.uk/register or by contacting them on 0300 500 5000.
24/7 travel insurance is a trading name of P J Hayman & Company Limited.
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Why should I buy annual multi-trip travel insurance? |
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If you plan to go away more than once in the next year, you can save time and money with our annual multi-trip insurance. With an annual multi-trip policy you may take any number of round trips during the policy period of cover up to a maximum duration of 31 days for any one trip. Winter Sports may be included for up to a maximum of 17 days in total during the policy period of cover on payment of the appropriate additional premium. |
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Do you cover winter sports activities? |
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Yes, this optional cover is available on payment of an additional premium under Single Trip and Annual Multi-trip. There is no Winter Sports cover option under the Backpacker policy.
Please note that if you select this option under Annual Multi-trip, Winter Sports cover is included for a maximum of 17 days in total during the policy period of cover. |
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Am I covered for all skiing activities under Winter Sports cover? |
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Provided you have paid the appropriate additional premium, you are covered for skiing, snow boarding and ice skating.
There is no Winter Sports cover option under the Backpacker policy. |
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Do you cover one-way trips? |
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No; however please call us on 0845 260 1580 for an alternative quotation and product. |
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Am I covered for business travel? |
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24/7 travel insurance has been designed primarily for the leisure traveller; however limited cover for business travel is included. This is restricted to business activity that follows your normal occupation provided this does not involve manual work or exposure to hazardous risks. If you require wider business cover, please call us on 0845 260 1580 for an alternative quotation and product. |
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Am I covered for hazardous activities? |
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If you are going to take part in any hazardous activity, you may not be covered by this policy. A list of 'Acceptable Activities' is shown here.
If you intend to participate in any activity not listed under 'Acceptable Activities', please contact us on 0845 260 1580. |
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Can I delete the policy excess? |
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Yes, for a single additional premium you can have the claims excess deleted. This is referred to as the 'Excess Waiver Option' and is available under single-trip, annual multi-trip and backpacker. If you select this option during the online quote process, the additional premium will be automatically included in your premium. |
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Can we have a lower premium and higher excess? |
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There is no voluntary excess option available under the 24/7 policy. |
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Do you offer a Money Back Guarantee? |
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Yes, if the insurance does not meet your requirements please return it within 14 days of the date of issue, but before departure date. Provided no claim has been made your premium will be refunded in full. |
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Do you have a 24-hour Emergency Medical Assistance Service? |
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Yes, 24/7 Travel Insurance has a 24-hour medical emergency and repatriation service:
Tel. +44 (0) 845 260 3260
Further details of this service are shown in your policy document.
Staff are on call 24 hours a day throughout the year. They will, when necessary, guarantee medical bills, arrange repatriation and, if required, provide a medical escort.
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Do I need a European Health Insurance Card (EHIC)? |
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A EHIC entitles you to reduced-cost, sometimes free, medical treatment that becomes necessary while you are in a European Economic Union (EEA) country or Switzerland. The EEA consists of the European Union (EU) countries plus Iceland, Liechtenstein and Norway. The card gives access to state-provided medical treatment only. Remember, this might not cover all the things you would expect to get free of charge from the NHS in the UK. You may have to make a contribution to the cost of your care. You may apply for an EHIC online at: www.dh.gov.uk/travellers or by calling 0845 606 2030. Application forms are also available from the Post Office.
Please note: An EHIC is no substitute for travel insurance cover. |
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How do I make a claim? |
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Full details of what you need to do to make a claim are shown in your Policy wording.
Please note: you will be expected to follow the 'Claims Procedure' shown in your Policy wording and to substantiate your claim by providing supporting documentation. |
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How do I get medical assistance when I'm away? |
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For emergency medical assistance while you are away, contact the 24-hour, Emergency Medical Assistance Service (quoting '24/7 travel insurance' and your policy number):
Tel. +44 (0) 845 260 3260
Staff are on call 24 hours a day throughout the year. They will, when necessary, guarantee medical bills, arrange repatriation and, if required, provide a medical escort.
Please see your Insurance Policy for further details of this service. |
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Do I have to pay my medical bills myself? |
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Outpatient bills for less than £500 should be paid at the time and claimed on your return. It is very important to obtain an itemised receipt for any monies paid for medical treatment.
If you are admitted to a medical facility then you may need to pay the policy excess locally and ask the hospital or doctor to send the rest of their bills to Travel Claims Facilities at: PO Box 420, Hadlow, Kent, TN9 9DE, UK. Our medical assistance service will explain this procedure to them and provide them with a faxed guarantee if necessary, once the validity of your claim has been established.
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What activities are covered under the policy? |
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24/7 travel insurance covers a wide range of activities.
You can view the list of 'Acceptable Activities' by clicking here. |
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What are the limits of cover / what am I covered for? |
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Is it possible to increase any of the limits of cover? |
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There is no option to increase the limits of cover under Single-trip, Annual Multi-trip or Backpacker policies. |
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Can you resend my policy to me? |
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Yes. Please can you email us at enquiries@247travelinsurance.co.uk with your policy number (if known), the lead name and the address (for verification) and we
will then resend the policy to the email address registered on our system. |
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