Making a claim on your travel insurance

Summary

Make sure you take your insurance policy number and the emergency contact details away with you. This is so you know exactly who to speak to first if you have a problem and it can be dealt with as quickly as possible. If you're travelling abroad, check you've got the right phone number. If you need to make a claim on your travel insurance policy when you get home, check the following things before you send off your claim: * you're within the time limits for making a claim * you're covered for what you're claiming for * how much the excess is. The excess is the amount of money that your insurer will take off the claim. It may not be worth making a claim if the amount you're claiming for is less than this * the small print. Make sure there's nothing in the terms and conditions that prevents you from claiming * whether it's a new for old policy. If it isn't, the amount you get for items you're claiming for will be less than the cost of replacing them. This is because the insurer takes off money for wear and tear. Contact your insurer as soon as possible and ask them to send you a claim form. They may be able to email this to you to speed things up. Complete the claim form carefully.

Key information

• •you're within the time limits for making a claim
• •you're covered for what you're claiming for
• •how much the excess is. The excess is the amount of money that your insurer will take off the claim. It may not be worth making a claim if the amount you're claiming for is less than this
• •the small print. Make sure there's nothing in the terms and conditions that prevents you from claiming
• •whether it's a new for old policy. If it isn't, the amount you get for items you're claiming for will be less than the cost of replacing them. This is because the insurer takes off money for wear and tear.
• •unexpected death, illness or injury of you, your partner or people travelling with you
• •a fire, burglary or unexpected damage happens to your home
• •you're pregnant and are advised not travel after you took out the insurance
• •you're called for jury service or as a witness in court.
• •Medical treatment in other countries www.nhs.uk.
• •Make sure you take your insurance policy number and the emergency contact details away with you. This is so you know exactly who to speak to first if you have a problem and it can be dealt with as quickly as possible. If you're travelling abroad, check you've got the right phone number.
• •If you need to make a claim on your travel insurance policy when you get home, check the following things before you send off your claim:

Practical guidance

• •Source: [Making a claim on your travel insurance](https://www.citizensadvice.org.uk/consumer/insurance/types-of-insurance/travel-insurance1/making-a-claim-on-your-travel-insurance/)

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