Special features
Cover to suit your needs
If our standard policy does not meet your needs, we will endeavour to provide a policy that does by increasing or removing sections as required. We are here to help you so please ask.
Competitive premiums
European or worldwide.
We offer reduced European premiums.
Single trip / Short Term – This policy will provide cover for a specified period from 5 days to 9 months.
Multi Trip – This provides cover for travel in a year for trips starting and ending in home/base country. No one trip can be longer than 90 days and there is NO restriction to the number of trips made.
Annual – This policy will cover for a full 365/6 days worldwide outside of home country. It remains valid should you return to the field after visiting your home country during the year.
Pre-existing medical conditions
Pre-existing medical conditions are not automatically excluded from cover, but they will be required to be screened and accepted by underwriters.
Group discounts
If you have a group of 10 or more travelling we will be able to offer you a discount on our standard rates – please ask.
Paid and volunteer workers
Cover is available for Policyholders working or travelling outside of their home country and this will also include manual labour carried out by volunteers and paid staff.
War risk
We can insure you in most circumstances where some others may not. Our underwriters understand the nature of the work of our clients and so, where other policies may often exclude war and civil unrest, we can provide cover at no extra premium in situations where the British Foreign & Commonwealth Office (FCO) advise against all but essential travel. Even when the FCO advise against ALL travel, we can offer you, subject to an additional premium, War and terrorism cover.
Renewals
All annual policyholders will be able to renew their cover whilst still outside their home country.
Personal property
Cover is provided for the loss of, or accidental damage to Business Equipment and personal property.
Medical assistance
A 24 hour, 365/6 day a year, multi-lingual advice and medical assistance service is available from our Medical Assistance Company.
Personal liability
The policy will cover in respect of any damages awarded against the policyholder for causing damage to a third party or the third party’s property. Legal expenses in connection with the defence of any claim will be covered up to the stated policy limit.
Right to cancel
You will, for a period of 14 days, from the date you receive your documents, have a right to cancel your insurance and receive a refund of the premium paid. This refund will be, subject to a charge for the period of cover you have received, plus our reasonable administration charge.
If you have an annual contract and you return home within three months of date of issue of documents, a prorated refund of the premium paid, less an administration charge, will be made, subject to there being no claims made or pending.
