Club Direct Travel Insurance
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CLAIMS PROCEDURE

Medical
The Assistance Service will confirm whether your treatment or expenses are covered under the terms of your policy and can liaise directly with hospitals regarding your medical requirements and payment of bills. Should you require specialist travel arrangements, the Assistance Service can make appropriate arrangements, based on medical necessity.

In some cases it may be easier to pay minor expenses yourself. If you are in any doubt as to whether these costs will be covered, contact the Assistance Service for prior authorisation. Keep all receipts and medical reports and submit a claim when you return home.

Curtailment
Call the Assistance Service if you need to return early for an insured reason.

All Other Claims:

  • Check the relevant policy section to see if you are covered.
  • Check what documentation is required to make a claim.
  • Contact the Claims Service to request a claim form.
  • Submit your claim within 28 days of returning home. (In certain cases you may wish to claim whilst still travelling – this is possible but you must still adhere to the usual claims requirements).
  • Keep copies of your completed claim form and all supporting documentation (originals must be submitted to the Claims Service).
  • Keep any damaged items that are the subject of a claim. They may be required for salvage/assessment.

How the Claims Service deal with your claim

  • They will send an acknowledgement letter on the same day they receive your completed claim form.
  • They aim to assess your claim within 10 working days.
  • They may require you to provide further information, in which case your response will be assessed within 10 working days.
  • They may appoint a loss adjuster to discuss your claim in person.
  • They will settle all valid claims by sterling cheque.

CLAIMS CONDITIONS

  1. Original receipts and/or proof of ownership and value must be supplied in the event of a claim.
  2. You must take all reasonable steps to recover any lost or stolen article.
  3. If we require any medical certificates, information, evidence or receipts, these must be obtained by you at your expense.
  4. If any claim is found to be fraudulent, in amount or in any other respect, this will invalidate your insurance and all claims will be forfeited.
  5. If, at the time of making a claim, there is any other policy covering the same risk, we are entitled to contact that insurer for a contribution.
  6. We may, at any time, pay our full liability under the policy in final settlement.
  7. In the event of a claim, if we require a medical examination you must agree to this. In the event of death, we are entitled to a post mortem examination. The medical examination and post mortem would be at our expense.
  8. You must not make any payment, admit liability, offer or promise to make any payment without written consent from us.
  9. We are entitled to take over any rights in the defence or settlement of any claim and to take proceedings in your name for our benefit against any other party.

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Club Direct (UK) Ltd is authorised and regulated by the Financial Services Authority