Frequently Asked Questions and Answers

 

How do I know what I am covered for?

For full details on cover we recommend you look at each insurer’s full policy wording. Please click 'Policy Details' under the 'My Quote' tab to view the policy wording. QuoteBanana.co.uk also provides a comparison highlighting key areas of cover which you may find helpful.

 

When will I get my policy documents?

You should receive your policy documents by email within minutes of purchasing your policy. Please ensure that you provide the correct email address. You can also request documents to be sent to you by post for an additional cost. These will be sent by 1st class post on the next working day.  Please allow 5 working days for delivery.

 

What if I want to change my policy?

If you need to make a change to your policy please email enquiries@quotebanana.co.uk

 

What do I do if I need to make a claim?

You will find full details on how to make a claim in each insurer’s full policy wording. Please click ‘Policy Details’ under the ‘My Quote’ tab to view the policy wording.

 

How do I know if a country is classed as Europe or Worldwide?

When entering your requirements to get a quote simply click on the ‘?’ next to Destination and you will see which categories each country comes under.

 

What does Annual multi-trip mean?

This type of policy will cover you for as many trips as you like in a year providing each trip does not exceed a certain number of days. 

 

If I buy an annual policy will this cover if I go on a cruise?

If you want to add cruise cover to an annual policy simply select Cruise Cover on the Policy Options tab, then update your quote to give you a list of the insurers which can offer this cover.

 

How many days per trip will I be covered for on an annual policy?

This will vary according the insurer that you choose. A typical limit is 31 days, but some insurers will offer longer and some a shorter maximum duration. Please check the individual insurers policy wording by clicking on the ‘Policy Details’ link, or look in our comparison table.

 

Am I covered for pre-existing medical conditions?

If you or anyone to be covered on the policy has a pre-existing medical condition please call our UK based call centre on 0845 092 0600 where our call agents will be able to give an instant quote. We regret that we cannot offer cover for pre-existing medical conditions online.

 

What do you class as a pre-existing medical condition?

A pre-existing medical condition is any disease, illness or injury whether diagnosed or not.

 

Am I covered for bungee jumping or other adventure sports?

The ‘Policy Options’ tab includes a list of activities which are covered as standard by all of our insurers and you can also choose to include other activities for an extra cost. Cover of adventurous activities will vary for different insurers, we recommend that you check the full policy wording to ensure you will be covered for any activities you intend to take part in before purchasing a policy.

 

What is Excess waiver?
In the event of a claim most insurance providers will require you to pay the first part of the claim, known as the Excess.  Typically this ranges between £75 and £100. Selecting the excess waiver option means, providing your claim is successful, the insurance provider will pay the full amount of your claim and you will not have to pay the policy excess.

 

Is your website secure?

Yes, our website is secure and uses the latest VeriSign Secured technology.

 

Is the price quoted the total or per person?

The price quoted on QuoteBanana.co.uk is the total cost for your policy and includes all travellers.

 

Do I need to take my policy documents with me when I travel?

We recommend that you take the full policy wording and policy certificate with you when travelling.  These contain all the emergency contact numbers and policy terms and conditions should you need further information whilst you are away.

 

What if I need medical help while I’m on holiday?

Most insurers will provide 24 hour medical emergency support. Each insurer’s policy wording will detail what you should do in the event of a medical emergency. Please click ‘Policy Details’ under the ‘My Quote’ tab to view the policy wording.

 

What should I do if my bag is stolen while I’m away?

If you are unlucky enough to have property stolen while you are away, most insurers will require you to obtain a police report.  Please see the full policy wording for each insurer to see what documentation they require.  Please click ‘Policy Details’ under the ‘My Quote’ tab to view the policy wording.

 

What should I do if the airline loses my luggage?

If your luggage doesn’t arrive with you at your holiday destination or when you return home you should notify the airline immediately and obtain a Property Irregularity Report.  You  will need this to make a claim.  Please see the full policy wording for each insurer for detailed information on how to make a claim and the documentation that you will need.  To view the policy wording please click ‘Policy Details’ under the ‘My Quote’ tab.

 

When should I start my annual policy?

You can start your annual policy whenever you wish but we recommend that you start the cover on the date you purchase the policy. That way you will be covered immediately for cancellation.

 

How do I get a quote for winter sports cover?

When entering your details to get a quote please select winter sports under travel insurance type.  This will be different for Annual policies.

 

I’m travelling on business, how do I make sure my business equipment is covered?
Select Business Equipment Cover on the Policy Options tab, then update your quote to give you a list of the insurers which can offer this cover.

 

I’m playing golf on holiday; can I get cover for my golf clubs?

Yes, we can provide cover for your golf equipment, as well as any non refundable green fees. Simply select Golf Cover on the Policy Options tab, then update your quote to give you a list of the insurers which can offer this cover.