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Phone Number0800 151 2400

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FAQs

FAQs

Frequently Asked Questions

Below, you will find answers to many of the questions we’re asked most regularly about our Travel Insurance policies – simply select from the list your question, or browse through them.

If you can’t find the answers to your question – feel free to contact our team who are standing by to help.

  1. What is an excess?
    An excess (or deductable) is the first part of any claim that an insured person has to pay, usually a £75 excess is applicable per person per claim for loses relating to personal baggage, money, cancellation, curtailment and wintersports equipment.

    Our policies uniquely allow you to select the medical excess level that's right for you:
    Level Medical Excess Other Sections Excess
    Bronze £300 £75
    Silver £150 £75
    Gold £75 £35
    Platinum NIL NIL
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  2. What is the single article limit?
    In the event of a personal effects claim for items of high value, the maximum amount that can be paid for a given item is £250. This figure is calculated after applying a deduction for wear and tear, then the policy excess. If the figure still exceeds the single article limit, then the limit is paid.
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  3. Do the annual policies cover ski and snowboarding trips?
    Yes, our Winter Sports Annual policies offer you up to 17 days per annum skiing and snowboarding provided you have paid the additional premium for this cover and it is shown on your validation certificate.
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  4. Do you insure people with pre-existing medical conditions?
    Yes, we are able to cover the vast majority of pre-existing medical conditions - please, see Pre Existing Medical Conditions.
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  5. Does Atlas ANNUAL MULTI-TRIP cover individual trips beyond 31 days?
    Yes, an Annual Multi-trip policy can be extended to include trips of either 45 days or 60 days for those under 65 years of age.
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  6. Can I work abroad?
    Atlas provides cover for non-hazardous, office based work abroad. Whilst we cannot stop you from engaging in manual work, cover is not provided for manual work or operations or any dangerous activity during the course of work. NB: You are not covered for the success or otherwise of the business undertaken during the business trip, and no liability is accepted for decisions or agreements during the course of that business.
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  7. Can children travel on their own?
    Children can be covered when travelling alone, but the full adult rate is payable.
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  8. Up to what age does the child rate apply?
    For Atlas Single Trip Insurance:  Under 19 years of age at date of purchase. 

    For Atlas Annual Travel Insurance:  Under 19 years of age at date of purchase.
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  9. Is sailing covered?
    Sailing is covered provided that it is within territorial waters (3 miles off shore) - no cover for liability will apply.
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  10. When does cancellation cover commence?
    For single trip policies, cancellation cover commences immediately after the travel insurance policy has been accepted and the relevant premium paid and ends upon your departure from the UK. For annual multi-trip policies, cancellation cover commences on the start date of the policy and ends at the expiry of the policy period.
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  11. Am I covered to travel by motorcycle?
    Motorcycling up to 50cc on public roads provided that you wear a safety helmet and possess a licence which would allow you to ride an equivalent motorcycle in the UK – no racing.

    Anything further would need to be refered to us for an individual decision.
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  12. Do I have to pay my medical bills abroad?
    If it is a small claim for medicines or minor treatment, some clinics in some countries will settle the bill directly for you , less the policy excess which you will need to pay. However, in clinics where this service is not available , you should pay and claim. Larger claims can be billed direct to the insurer, subject to you contacting the emergency contact number at the time of the emergency and payment of the policy excess if applicable. If your condition is serious, exceeds £500.00 in value or requires in-patient treatment, you should contact the 24hr Medical Emergency Service - details are contained in the policy document. 
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  13. Do you insure people aged 75 years and over?
    Yes - The maximum age limit is 79 for single trip policies and 64 for annuals on our website, please contact Atlas if you are over these ages.
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  14. Is there a limit to the number of days I can be abroad on an annual policy?
    All annual multi-trip policies limit the number of days you can spend abroad on any one trip and we offer 3 variations: 31, 45, 60 days per trip.
     
    The total number of days you can spend abroad during the year is 183, and so you are free to travel as many times in the year as you wish upto that limit.
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  15. Can I ski and snowboard off-piste?
    Yes, in areas designated as safe by resort management provided that you are accompanied by a qualified guide or instructor.
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  16. Do the annual policies cover UK travel?
    Yes, all our annual policies offer cover within the UK providing your trip is for two or more nights in pre-booked accommodation. This cover is not designed to be used whilst staying with friends or relatives in the UK.
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  17. What is pre-existing medical condition?
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  18. Do the worldwide annual policies cover the USA?
    Our worldwide annual policies cover you to any destination, anywhere and do include cover for USA.
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  19. Can I include my grandchildren on an annual policy?
    Yes, on an Atlas Travel Insurance Policy, we define a family as being one or two parents or one or two grandparents and up to 4 children or grandchildren.
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  20. As an annual policyholder, do I need to contact you each time I travel?
    No, you are free to travel as and when you wish - there is no requirement to contact us unless you feel we can be of assistance with your journey or unless you need to declare medical conditions (please refer to Do you insure people with pre-existing medical conditions).
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  21. Is it possible to extend the trip limit on the annual policies?
    The trip limits on our annual policies are 31, 45, 60 days are fixed.
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  22. If I take an annual policy for Europe can I upgrade to Worldwide at a later date?
    No, unfortunately upgrades like this are not available.
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  23. Can I pay an excess waiver premium?
    The excess waiver premium waives all excesses on the policies and can be selected after you have chosen your desired policy in the quick quote page.  The additional premium is clearly shown beside the option.
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  24. Can I extend an individual trip policy from abroad if I decide to stay longer?
    We can extend an individual trip policy providing you let us know BEFORE your policy expires and at the time of requesting the extension you have not made and are not intending to make a claim. Policies can be extended on a weekly or monthly basis. Many of our clients have found this feature useful when they have been travelling abroad 'backpacking' and decided to stay a little longer.
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  25. Can I cancel my policy?
    You are free to cancel this policy at any time.

    If you wish to cancel within 14 days of receipt of the policy documents, you may by writing to us for a full refund providing you have not travelled and no claim has been made (or is intended to be made and no incident likely to give rise to a claim has occurred.) 

    If you cancel after the first 14 days of receipt of the policy documents then no premium refund will be made. See General conditions applicable to the whole policy in your policy wording for more details.
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  26. Do you cover hazardous sports?
    We offer cover for the vast majority of activities. To check whether any activity is covered at standard rates, requires an additional premium or is excluded from cover, please refer to the Adventure Activity page. If you require cover for an activity which requires an additional premium please go to Instant Quote or telephone us on 0800 151 2400 or contact us detailing your destination, duration of stay and activity to be covered. Whilst some sports/activities are free, please ask that your policy be endorsed to show the additional cover.
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  27. Do you offer instant cover?
    Whether you contact us by telephone or use the on-line purchase facility on this web site, we can offer you immediate cover (we've lost count of the number of people who have bought insurance from us by telephone while sitting in a departure lounge!). The only stipulation is that you must purchase your insurance before leaving the UK.
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  28. Is Atlas authorised by the UK authorities?
    Yes, Atlas are authorised and regulated by the Financial Conduct Authority and are listed on the FCA register, our registration number is 314698.

    You can check the register at the FCA website here: http://www.fsa.gov.uk/register/home.do .
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  29. Is Insurance Premium Tax (IPT) included in the prices shown?
    Yes, all prices quoted include IPT at 20%.
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  30. Am I covered to drive a car in USA?
    The policy provides cover under the medical, personal accident, and personal possessions sections of the policy, but there is no liability cover provided whilst driving a car or other mechanically propelled vehicle. This is an industry-standard clause and is designed to ensure travel insurance policies do not have the effect (nor charge the premium) of motor policies.
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  31. If I am hiring a car in USA, how can I ensure I have adequate liability cover?
    Check with the car hire company exactly how much third party liability cover is provided. Some car rental companies only provide the legislated state minimum; this varies between states.  

    We recommend that you directly ask the company who arranged your Car Rental  (e.g. Atlaschoice) or Supplier (e.g. Dollar, Fox).

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  32. If I have an all risks household contents policy can I get a discount?
    Yes a discount is available, either ask one of our sales executives or if arranging cover online, please select our "lite" policy to delete personal possessions and personal money on the Quick Quote. Please note that this option has to be applied to all persons insured on the policy.
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  33. Can children be insured if they are travelling on their own?
    When the child is insured as a member of a family on one of our annual multi-trip policies, they have to be accompanied by one of the insured adults on the policy.
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  34. Is scuba diving covered?
    We cover scuba diving down to 30 metres if qualified and not diving alone or accompanied by a qualified instructor. If you do not hold a qualification, we will only cover you to dive to a depth of 18 metres. You will not be covered under this policy if You travel by air within 24 hours of participating in scuba diving.
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  35. Should I take an E111 form?
    Please note that as of the 1st September 2005, it  is no longer possible to get an old style E111 form, instead you need a EHIC (European Health Insurance Card) - please see www.dh.gov.uk/travellers for details.
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  36. What equipment is covered on wintersports trips?
    Where the appropriate additional premium is paid, ski equipment is defined as your skis, poles, boots, bindings or snowboards.
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  37. Do you offer a pre-travel help line?
    We do not offer a pre-travel help line, but please view the travel advice and web links on the home page.
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  38. If I take my golf clubs on my journey, how much are they insured for?
    We do provide cover for golf clubs as long as a "Golf Cover" upgrade is purchased.
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  39. Am I covered for a cruise holiday?
    Yes, cruise holidays are covered, but you must declare that you will be taking a cruise when booking your policy. Cover is not provided for persons working aboard a cruise ship, or part of the crew.
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  40. Is the cover per person or per policy?
    The benefits detailed on the Summary of Coverage for each insured person  named on the policy schedule. For annual policies the benefits for each insured person effectively refresh at the beginning of each journey so the complete range of policy benefits are available every time you travel. (Please note that the Personal Accident and Personal Money benefits are reduced for children). However, by the same token, the policy excesses with apply on an individual basis in the event of a claim.
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  41. Are Pregnant Women covered by Insurance Cover?
    Yes, we can cover pregnant women. However, this policy does not cover normal pregnancy, without any accompanying Bodily Injury, illness, disease or complication. The policy is designed to provide cover for unforeseen events, accidents, illnesses and diseases and normal childbirth would not constitute an unforeseen event.
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  42. Who qualifies as a UK resident?
    A United Kingdom resident is a person who has resided in the UK for at least 6 months and is entitled to NHS benefits.
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  43. Are One Way Trips covered?
    Yes, but all cover ceases as soon as you pass Immigration Control at your final destination. In respect of Curtailment cover, you will be returned to the UK or your final destination, whichever is closer.
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  44. Are my belongings covered whilst in my car?
    Items are only covered in certain circumstances - please refer to the policy wording. In any event money, cash and valuables are not covered whilst in an unattended motor vehicle.
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  45. Who do I report claims to?
    In the event of loss or theft of personal possession and money you must report the incident to the relevant police authority within 24hrs and obtain a copy of their report. If the incident occurred in your accommodation/grounds, the matter must also be reported to the Hotel/Tour rep. In the case of losses involving the carrier, a property irregularity report must be obtained.
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  46. Can I increase my cancellation cover?
    Unfortunately, it is not possible to increase your cancellation cover.
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  47. Is it possible to take out a new policy when already abroad?
    No, it is not possible to buy a new policy when you are already abroad. 
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