Exclusions
Every single UK travel insurance policy will have different exclusions and restrictions. Regular travel insurance policies will usually restrict the insured from participating in dangerous sports, while insurance that covers you for activities whilst abroad will usually impose regulations and restrictions within that field (for instance, if you are climbing then you may be excluded from climbing above a certain height).
We have composed a list of exclusions and disadvantages that are common to the majority of insurers in the UK. The factors listed below could either cause you difficulty in procuring travel insurance or prevent you from obtaining it altogether. However, if you find that you are having difficulty in getting travel insurance try and speak to an insurer directly; they will try to work with you and your situation if it is at all possible.
- If you or any of the insured are not normally resident in the UK.
- If you or any other insured party has suffered from a serious, terminal or recurrent illness.
- If you or any others included on the policy document has ever been refused travel insurance or had restrictive terms imposed upon them.
- If any of the insured suspect that their holiday or trip will be terminated earlier than expected.
- If any trip that is claimed to be for personal reasons involves business purposes.
- If you or any member of a party to be insured is over the company's set age limit, usually 70 or 75. If you are aged 65 or over then you may also find yourself paying higher premiums.
- If you or anyone else to be insured under the policy is in the later stages of pregnancy.
You will usually be excluded from certain situations and circumstances under which you will not qualify for any payment from your insurer. These will usually include:
- Hazardous pursuits or dangerous activities, unless extensive cover has been arranged.
- Anyone involved in dangerous sports or activities must follow safety recommendations and use all the correct equipment and clothing.
- Loss of or theft of property that has been left unattended.
- Loss or theft that has not been reported to the police.
- Self-inflicted injury or ailments arising from alcohol or drug abuse.