Navigator Travel Insurance

 

Navigator Travel Insurance

Navigator Travel Insurance

Navigator Travel Insurance

 

 

Navigator Travel Insurance Services Ltd is authorised and regulated by the Financial Services Authority (FSA) - registration number 305586  

Navigator Travel Insurance Services Ltd is authorised and regulated by the Financial Services Authority (FSA) - registration number 305586

FCO Travel Advice

Navigator Travel Insurance Security

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I'm over 35 - am I uninsurable?

Do Navigator Travel  policies cover me for working abroad?

Am I covered for hazardous pursuits?

Can I extend the duration of my insurance after I have commenced  travelling?

Are unused periods of insurance refundable if I return home early?

Am I covered for motorcycling?

Can I drive a  car?

Is dental treatment  covered?

Will my contact  lenses be covered?

I am travelling on a one-way ticket. Does cover cease when I reach my destination?

Must I be a UK resident?

Can I pay extra to cover valuables, like a camcorder?

Is there a 24-hour emergency phone number?

I've seen policies with unlimited medical cover - the Gold policy only covers £5,000,000.

Who are the  insurers?

Does baggage have to be stored in the boot of a car?

What are the geographical limitations on this cover? I am travelling to Australia, but are my stopovers in the Far East and USA covered?

Does it cover "new for old" if I have a baggage claim?

What if I change my  mind?

Does this policy cover ambulance and repatriation costs?

Do I have to pay the bill if I am taken ill?

If I lose all my baggage, can I start a claim from overseas?

Does the policy  cover airline tickets?

Are there any  excesses on the policy?

I am going away for  a year, but will return home briefly in the middle of my trip. Is the cover continuous?

Have I forgotten anything?

Always get a police report if you lose anything.

If you have any  pre-existing medical condition, let us know and we can advise you what to  do. In most cases, the insurers will give full cover at normal rates and  then there will be no danger that your claim is refused because you failed  to let us know.

Treat yourself and your belongings as if they were uninsured. Negligent treatment of possessions or alcohol and drug abuse, for example, will jeopardize your  claim.

If you need to curtail your trip, say, due to your illness or to a family medical emergency back home, get clearance FIRST from the 24 hour phoneline. Do  not incur additional expenses without their prior  agreement.

Curtailment cover will reimburse additional costs incurred getting home, but NOT for  returning abroad to resume the trip where you left off!

If you need to extend  your duration of cover, DON'T leave a gap, it is easy to forget to renew, so make a diary note or something!
Always read Foreign Office advice  before you leave, on the countries you are visiting. It sometimes seems like obvious commonsense advice, but there can be invaluable tips on which  parts of town are the most dangerous etc.

Make sure you read the insurance wording carefully, when you get it. As with all contracts, there are important terms, exclusions and conditions that you should familiarize yourself with. We will be pleased to help with any questions you may have.

Navigator Travel Insurance Services Ltd is authorised and regulated by the Financial Services Authority (FSA) - registration number 305586

Navigator Travel Insurance Services Ltd is authorised and regulated by the Financial Services Authority (FSA) - registration number 305586

FCO Travel Advice

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Q -  I'm over 35 - am I uninsurable?

A - No, but the  premiums on our Gold and Diamond long stay policies will be increased by 25% for anyone aged 36-50 years, or 36-45 years on Budget policies. We regret that we do not offer long stay cover to passengers over 50 years old on Gold and Diamond or 45 years on Budget policies. The age restrictions are different on short  stay and annual multi-trip policies. See relevant tables for applicable rates. Our Silver policies have age limits up to 80 years for Short Stay and 64 years for Long Stay and Annual cover.

Q -  Do Navigator Travel policies cover me for working abroad?

A - Yes - but not  for heavy manual labour or using heavy machinery. Fruit & vegetable picking, office, barwork etc are all covered.

Q -  Am I covered for hazardous pursuits?

Please read the  following in detail very carefully.

 A - Yes, on our Gold and Diamond policies, most hazardous pursuits such as tandem skydiving, bungee jumping, scuba  diving, white water rafting, horseriding, surfing, windsurfing, trekking  etc are covered on an incidental basis, i.e. if it is not the main purpose  of your holiday. The Budget policies cover some of these activities as well, but the more extreme activities such as tandem skydiving are only covered on Gold/Diamond policies. Participation in each activity is limited to 6 days or 10% of total trip duration, whichever is the greater. You must inform us if you exceed these limits as additional conditions may apply, or in some cases there may be an additional premium. *Wintersports are only covered on payment of the applicable extra month rate for your long stay policy for each month that you are skiing, or double premium for short stay Gold/Diamond policies or treble premium on short stay Budget policies. This additional premium can be added at a later date if you are unsure which months you will require cover for. **Diamond policies of 6 months duration or over automatically include 15 days Wintersports cover. The following activities are all  covered on an incidental basis, subject to certain conditions. Additional premiums are payable for wintersports and certain other of these activities. A list of more extreme activities follows this table, which it  may be possible to cover, with additional premiums and  conditions.

ACTIVITY

BUDGET

SILVER

GOLD

DIAMOND

Abseiling

Y

-

Y 

Y 

American Football

-

-

Y

Y 

Archery

Y

Y

Y

Y 

Athletics/Running (Marathon)

Y

-

Y

Y 

Australian Rules Football

-

-

Y

Y 

Badminton

Y

Y

Y

Y 

Baseball

Y

Y

Y

Y 

Biathlon/Triathlon/Modern Pentathlon

-

-

Y

Y 

Black Water Rafting

-

-

Y

Y 

Bobsleigh

-

-

Y

Y 

Boxing

-

-

Y

Y 

Bungee Jumping

Y

Y

Y

Y 

Canoeing (River - not Whitewater)

Y

Y

Y

Y 

Canyoning

Y

-

Y

Y 

Caving

-

-

Y

Y 

Clay Pigeon  Shooting

Y

Y

Y

Y 

Cricket

Y

Y

Y

Y 

Cross Country  Running

Y

-

Y

Y 

*Cross Country Skiing (EXTRA COST)

-

-

  Y *

   Y **

Curling

Y

-

Y

Y 

Cycle  Racing

-

-

Y

Y 

Cycling

Y

Y

Y

Y 

Deep Sea Fishing/Angling

Y

-

Y

Y 

Diving (High Diving)

-

-

Y

Y 

Dog Sledding

Y

-

Y

Y 

Expeditions

-

-

Y

Y 

Fell Running

Y

-

Y

Y 

Fencing

Y

Y

Y

Y 

Flying Light Aircraft (License holder)

-

-

Y

Y 

Football/Soccer/Gaelic Football

Y

Y

Y

Y 

Gliding

-

-

Y

Y 

Go-Karting

Y

-

Y

Y 

Golf

Y

Y

Y

Y 

Gymnastics

Y

-

Y

Y 

Hang Gliding

-

-

Y

Y 

 *Heli-Skiing  (EXTRA COST)

-

-

  Y *

   Y **

Hiking/Trekking below 5000 metres

Y

Y

Y

Y 

Hockey

Y

Y

Y

Y 

Horse/Animal Riding/Equestrian events

Y

Y

Y

Y 

Hot Air  Ballooning

Y

-

Y

Y 

Hunting

-

-

Y

Y 

Hurling/Shinty

-

-

Y

Y 

Ice Skating  (excluding Speed Skating)

Y

-

Y

Y 

Jet Boating

Y

Y

Y

Y 

Jet  Skiing

-

Y

Y

Y 

Lacrosse

-

-

Y

Y 

 *Langlauf (EXTRA COST)

-

-

  Y *

   Y **

Martial  Arts

-

-

Y

Y 

Micro-lighting

-

-

Y

Y 

Motorcycling 

-

-

Y

Y 

Mountain Biking

-

-

Y

Y 

Netball

Y

Y

Y

Y 

Orienteering

Y

Y

Y

Y 

Outward Bound  Pursuits

Y

Y

Y

Y 

Parachute  Jumping/Skydiving (static line) /Tandem

-

-

Y

Y 

Paragliding

-

-

Y

Y 

Parascending

Y

Y

Y

Y 

Pelota

-

-

Y

Y 

Polo

-

-

Y

Y 

Pony Trekking

Y

Y

Y

Y 

Rallying (not  Special Stage events)

-

-

Y

Y 

Roller Blading

Y

Y

Y

Y 

Roller Hockey

Y

-

Y

Y 

Roller Skating

Y

Y

Y

Y 

Rounders

Y

Y

Y

Y 

Rowing

Y

Y

Y

Y 

Rugby

Y

-

Y

Y 

Safari

Y

-

Y

Y 

Scuba Diving (up to 30 metres) 

Y

Y

Y

Y 

Sea Kayaking

-

-

Y

Y 

Shooting

Y

-

Y

Y 

Skate  Boarding

Y

Y

Y

Y 

*Ski touring  (EXTRA COST)

-

-

  Y *

   Y **

*Skiing -  snow/off piste  (EXTRA COST)

Y

-

  Y *

   Y **

Snorkelling

Y

Y

Y

Y 

 *Snowboarding (EXTRA COST)

Y

-

  Y *

   Y **

Speed  Skating

-

-

Y

Y 

Squash/Rackets

Y

Y

Y

Y 

Surfing

Y

Y

Y

Y 

Swimming

Y

Y

Y

Y 

Tennis

Y

Y

Y

Y 

 *Tobogganing  (EXTRA COST)

-

-

  Y *

   Y **

Trampolining

Y

-

Y

Y 

Trekking - high altitude

-

-

Y

Y 

Trekking - low altitude

Y

-

Y

Y 

Tug-of-War

Y

-

Y

Y 

Volleyball

Y

Y

Y

Y 

Walking -  Fell/Glacier up to 3000 metres

-

-

Y

Y 

Walking -  Hill

Y

-

Y

Y 

War Games

Y

Y

Y

Y 

Water Polo

Y

Y

Y

Y 

Water Skiing

Y

Y

Y

Y 

Weightlifting

-

-

Y

Y 

White Water rafting/canoeing Grade 1- 4

Y

-

Y

Y 

Windsurfing

Y

Y

Y

Y 

Yachting

Y

Y

Y

Y 

Q -  Can I extend the duration of my insurance, after I have commenced travelling?

A - Yes, by paying the extra months rate shown in the premium table. However, you must make any extensions before the original term of your policy has lapsed. Cover must be continuous and we cannot backdate extensions. You must also bear  in mind that if you have, for instance, an ONGOING medical claim at the time the renewal becomes due the insurers can refuse to extend or agree to extend only on condition that no further payments will be made relating to that particular claim. This is the main disadvantage of taking a shorter period at the outset and extending later as you run the risk of having continuing medical bills to pay yourself.

Q -  Are unused periods of insurance refundable, if I return home early?

A - No, in a nutshell. If in doubt, it is better to take a shorter period of cover and  extend later, if required.

Q -  Am I covered for motorcycling?

A - Yes. On Gold and Diamond policies, you are covered under all sections except for Personal Liability. Your medical expenses will be covered under the Medical  Expenses section.

Q -  Can I drive a car?

A - Yes, though you  will not be covered under the Personal Liability section for driving. This  cover should be provided by the car owner or rental  company.

Q -  Is dental treatment covered?

A - Yes, but only  for emergency treatment to relieve pain, up to a total of £350 on Gold/Diamond policies or £200 on Budget policies. Cosmetic treatment will not be covered.

Q -  Will my contact lenses be covered?

A - No, spectacles are covered, but contact lenses are not.

Q -  I am travelling on a one-way ticket. Does cover cease when I reach my destination?

A - No, unless you are emigrating. Provided that you intend to return to your start point (anywhere in the EU), cover will continue, as long as you want, subject to the total duration limit of 18 months.

Q -  Must I be a UK resident?

A - Yes - These policies are only available to UK residents.

Q -  Can I pay extra to cover valuables, like a camcorder?

A - No we cannot offer any extra cover on the baggage section. You can try to get named valuables covered on a household or  all-risks policy.

Q -  Is there a 24-hour emergency phone number?

A - Yes, on the front of your policy document. It must be used at once if you are hospitalized, require expensive treatment or need to return home early.

Q -  I've seen policies with unlimited medical cover - the Gold policy only covers £5,000,000.

A - Unlimited  medical cover is a gimmick and £5,000,000 is more than anyone is likely to  need. The largest known medical claim is less than £1,000,000.

Q -  Who are the insurers?

A - Gold and Diamond policies  are UNDERWRITTEN AT LLOYDS OF LONDON, giving complete security and peace of mind. Budget policies are underwritten by UKU - UK Underwriting.

Q -  Does baggage have to be stored in the boot of a car?

A - Yes, don't leave it unattended or on view in the interior of a car. As a rule of thumb, you are expected to treat yourself and your belongings as if they were uninsured. In other words, do not take extra risks, just because you have your things insured, it may cause a problem with your claim. Please note that, even if your baggage is out of sight in the boot, there is no cover  for valuables or money.  In other words, never leave valuables or  money unattended in a car, whether visible or not.

Q -  What are the geographical limitations on this cover? I am travelling to Australia, but are my stopovers in the Far