FAQ's

We have compiled a list of our Frequently Asked Questions into categories below.

If you find that you have a question that is not answered here, please send an email to 

Wintersports

Q: Am I covered if the Corona Virus has an impact on my trip?

A: For the most up-to-date information on Coronavirus (COVID-19) please click here

Q: Is there Mountain Rescue cover?

A: Yes, there is cover for your search and rescue by whatever means are considered necessary by the rescue services.

Q: Is there cover for Skiing on a Glacier?

A: Yes, there is cover for Skiing on a Glacier as standard under an MPI Wintersports policy.

Q: Can I ski Off-Piste?

A: Absolutely. Most insurers either exclude ‘off piste’ skiing or insist that you are accompanied by a guide. At MPI Brokers we recognise the impracticality of this, because one can ski ‘off piste’ unwittingly and in certain circumstances it is possible to ski on a ‘pisted’ run that is designated ‘off piste’. So we do not exclude ‘off piste’ skiing – but, as with all insurance, we expect skiers to behave in a reasonable and sensible manner. 

Q: We only ski Cross-Country, do we need Wintersports cover?

A: You will need an element of Wintersports cover called ‘Reduced Wintersports’ cover. Please select ‘Yes’ to Wintersports cover, then when you have decided your level of cover from one of our three packages, you will be presented with a list of Additional and Removable cover options. If you are not taking part in regular downhill Skiing/Snowboarding, you can select this option.

Q: Do I need Wintersports cover for Tobogganing?

A: You will need an element of Wintersports cover called ‘Reduced Wintersports’ cover. Please select ‘Yes’ to Wintersports cover, then when you have decided your level of cover from one of our three packages, you will be presented with a list of Additional and Removable cover options. If you are not taking part in regular downhill Skiing/Snowboarding, you can select this option.

Q: Do I need Wintersports cover for Lapland activities?

A: We cover most, if not all of the Lapland activities*, under our ‘Reduced Wintersports’ cover. Please select ‘Yes’ to Wintersports cover, then when you have decided your level of cover from one of our three packages, you will be presented with a list of Additional and Removable cover options. If you are not taking part in regular downhill Skiing/Snowboarding, you can select this option.

*Please note that there may be some exclusions – if you are planning a trip to Lapland or similar, please contact

Q: Do you cover Ski Racing?

A: There is cover for racing and training for both Local and Amateur Ski races as standard under an MPI Wintersports policy. There is also cover for National or International Ski Championships where the entry age is under 16. We may be able to cover higher level Ski races for an Additional Premium. Please contact before purchasing to make sure you have the correct level of cover in place.

Q: Do you send a cover card out?

A: Yes, we will send a handy cover card out within a few days of your Wintersports policy purchase. Most people keep this cover card with their Lift Pass. Please note, it is not a condition of the policy that you carry this with you.

Q: How many days do I have per trip on a Multi Trip (Wintersports)?

A: There is cover for up to 17 days any one Wintersports trip. This can be increased to 31 or 62 days under our ‘Options’ section. If you are planning a trip which will exceed this limit, please take a look at our Seasonaire policy.

Q: Do you cover Snowparks?

A: Yes, there is cover for Snowparks as standard under an MPI Wintersports policy. If you are participating in competitions, please contact with your specific requirements.

Q: Do I have to wear a helmet?

A: It is not a condition of the policy to wear a helmet, but of course, you may wish to for safety reasons. Please note, some resorts have their own rules and requirements, failure to wear a helmet when the resort specifies that you should may invalidate your insurance, so we would recommend that you check the rules at your resort before you leave.

Q: I already have the Carte Neige – why do I need travel insurance?

A: The Carte Neige does provide cover for Piste Rescue and Emergency Medical Costs. However, there is limited repatriation cover and a very low sum insured for medical costs. There is no Personal Liability cover under the Carte Neige or cover for illnesses. It should work hand in hand with Ski Insurance.

Q: Do you cover Ski Instructor courses?

A: There is cover as standard under an MPI Wintersports policy for Ski Instructor courses. We ask that you make sure you have the appropriate level of cancellation cover in place, as we know that these courses can be costly.

Q: Is there cover for Heli-Skiing?

A: There is cover as standard under all MPI Wintersports policies for up to 2 days of Heli-Skiing. We can consider more days on application – please email with the ages of those who require insurance, your dates of travel and destination.

Q: Is there cover for the course fees of my Ski Instructor course if I suffer an illness or injury?

A: There would be cover for Cancellation due to an illness or injury before you departed the UK for the course fees. Additionally, there would be cover on a Pro-rata basis if you suffered an illness or injury part way through the course. If you wanted to have cover for 100% of the course fees, please contact as there would be an Additional Premium payable.

Sailing

Q: Do you cover Watersports?

A: We cover all forms of Watersports and Water-based activities on inland waters, rivers and up to 12 miles from the coast.

Q: Is there cover for sailing in European waters?

A: There is cover as standard under all of our policies for sailing offshore (in yachts) in all Western European waters and up to 12 miles offshore in the rest of the world*. We can on application consider other trips. Please contact with the ages of those requiring insurance, your dates of travel, destination and other relevant information.

*Excluding areas where the Foreign and Commonwealth Office (FCO) have advised there is a danger of war or piracy.

Q: Is there cover for racing?

A: There is cover for dinghy racing as standard under an MPI policy. We may consider other racing on application. Please email with the ages of those requiring insurance, your dates of travel, destination and other relevant information.

Q: Are there any exclusions to your sailing cover?

A: There is no cover for Personal Liability whilst you are skippering the boat, as this falls under the vessel’s insurance – we recommend that you check this in the rental agreement.

Q: Are my Personal Effects covered if left in my yacht?

A: There is cover for theft, if your belongings are left in a locked yacht which is your accommodation for the duration of the trip. If this is the case, the exclusion of leaving Personal Effect unattended in a motor vehicle does not apply. For the theft to be covered you must file a police report and there must be evidence of forced/violent entry. We would advise that you keep your Wallet/Purse and Passport on you at all times.

Q: Do you cover cruises?

A: Whilst we do not exclude cruises, we do not offer a cruise specific policy for things such as Missed Ports, Confined to Cabin etc. please ensure you have adequate cover to meet your personal requirements whilst on the trip. At the very least we would recommend that you have the right level of Cancellation cover.

Destination

Q: Am I covered if the Corona Virus has an impact on my trip?

A: For the most up-to-date information on Coronavirus (COVID-19) please click here.

Q: I have a layover in the USA, but my trip isn’t to the USA – do I need to include USA in the destination cover?

A: If your trip destination is not USA/Canada or Mexico, but you have a stopover in one of these countries, you are covered for up to 48 hours. This is different if your policy is for Australia & New Zealand only, you are then insured to travel for up to 7 days Worldwide on both your original outward and final return journeys.

Q: I have purchased a policy for Australia & New Zealand but will stop in Asia – do I need to include this in the destination cover?

A: You are insured to travel for up to 7 days Worldwide on both your original outward and final return journeys. If the trip to Asia or elsewhere exceeds the 7 day limit either side of your trip, you will need to include this in your destination cover.

Q: What is considered 'Europe'?

A: Under an MPI Europe policy, you are insured to travel to and within geographical Europe; West of the Ural Mountains, countries bordering the Mediterranean, Madeira, Canary Islands, The Channel Islands and the Azores. If you are unsure whether your trip destination falls under Europe, please contact for clarification.

Q: Why does MPI have destination cover for both ‘France’ and ‘Europe’?

A: We have negotiated lower rates with insurers for those travelling to France.

Q: I am going to France but may visit a neighbouring country whilst I am away, do I need to select ‘France’ or ‘Europe’?

A: You are insured to travel to and within France and for up to 24 hours at any one time in a neighbouring country

Medical Screening

Q: I have a pre-existing Medical condition; how does this affect my cover?

A: We will ask series of questions pertaining to the last 12 months. You can continue your purchase with the conditions excluded, or, if you would prefer to ask underwriters to cover your condition(s), please ask for a Medical Screening form.

The outcome will be one of:

1) Full cover for your declared condition(s)
2) Cover with an increased excess for your declared condition(s) 
3) No cover for your declared condition(s) More Information

Q: Can I go ahead and purchase my insurance whilst I’m waiting for a response?

A: Yes, you can purchase before obtaining terms for your condition(s). Please note that the condition(s) will be temporarily excluded from cover until you receive an outcome from MPI Brokers.

Q: I have a Multi Trip policy and have a medical deterioration or a new medical condition, what should I do?

A: If a trip has already been booked, it is a condition of the policy that you visit your GP and seek approval to travel and take part in planned activities. For any new holiday bookings, you must complete a new Medical Screening form, please contact

Claims

Q: Am I covered if the Corona Virus has an impact on my trip?

A: For the most up-to-date information on Coronavirus (COVID-19) please click here.

Q: How do I make a claim?

A: Please visit https://mpibrokers.com/claims to download and complete the relevant claim form, attaching any and all supporting documentation and send to us via email or post within 31 days of the incident. If you are a Resort Staff member, please log into your MyMPI account.

Q: When do I need to notify the Assistance company?

A: Please contact the Assistance company immediately on 01428 773 000 if: you will be staying in hospital and/or your claim is likely to exceed £1,000 and/or you are in the USA, Canada or Mexico.

Q: Is there an excess payable under the policy?

A: All insurance policies have an excess, which is an amount deducted from your loss. At MPI we make sure this is kept to a minimum as we deduct only one excess per event, per person, regardless of how many sections you claim under for one incident. Most insurance providers deduct the excess per section.

You can purchase an Excess Waiver which means all excesses are waived from the policy and shall not apply, other than, under the Personal Liability section.

Q: I have just submitted a claim when will I hear from you?

A: We acknowledge all claims within 2 working days.

Q: How will my claim be paid?

A: Successful claims will be paid via Bank Transfer, or by Cheque if necessary.

Q: What should I do if I fall ill or injure myself whilst overseas?

A: This policy is on a ‘pay and claim’ basis. When you obtain treatment, keep all of your receipts, you can then file a claim on your return. If your situation is serious and/or a hospital stay is required, OR you are in the USA, please call our 24-hour Emergency Assistance line on +44 (0) 1428 773 000

Q: What should I do if my Passport has been lost or stolen whilst overseas?

A: In the first instance we ask that you file a police report, you would then need to go to the British Embassy to obtain a temporary Passport to get yourself home. Once back in the UK, you can apply for a new Passport and file a claim for costs within 31 days of the incident. (Standard and Excel policies only)

Q: What should I do if my Personal Effects have been lost or stolen whilst overseas?

A: It is a condition of the policy that you obtain a police report to assist your claim. You can then submit your claim by visiting https://mpibrokers.com/claims to download and complete the relevant claim form, attaching any and all supporting documentation and send to us via email or post within 31 days of the incident. If you are a Resort Staff member, please log into your MyMPI account.

Q: I do not have receipts for my personal items. Can I still make a claim?

A: You can always file a claim and the acceptance would be down to the insurer’s discretion. We understand that you may not always have receipts, but you may have a bank statement or other evidence with proof of ownership. If the claim is a lost bag, insurers would not expect receipts for all of the items inside e.g clothing. However, receipts are usually requested for larger items.

Other

Q: Am I covered if the Corona Virus has an impact on my trip?

A: For the most up-to-date information on Coronavirus (COVID-19) please click here.

Q: Will Brexit have an impact on my travel insurance?

A: If you purchase a policy prior to 31st December 2020, after this date all cover will be the same as when you purchased. However, if Brexit for some reason has an impact on your holiday, there would be no cover for this under your travel insurance.

Q: Is the EHIC still valid now that the UK has left the EU?

A: The future of the European Health Insurance Card (EHIC) has not yet been agreed. However, as the UK is following EU rules until 31st December 2020, the EHIC remains valid and you should still carry your EHIC with you as negotiations may take some time.

Q: Why do I need Travel Insurance if I have an EHIC?

A: The EHIC gives you the same access to emergency treatment that locals would receive, and typically covers up to 80% of Emergency Medical costs. It does not however cover Mountain Rescue, Repatriation, Personal Liability or cover your personal belongings.

Q: I have not received my policy documents, what should I do?

A: Please check your Junk/Spam folder. If they are not there, please contact us either by email or phone 01428 664 265

Q: Do I need to carry my policy documents with me?

A: It is not a condition of the policy to carry your documents with you, but many people wish to do so for peace of mind. We always suggest noting the Emergency Medical Assistance number and your Policy number.

Q: I would like a Couple policy with my partner, but we do not live together – is this an issue?

A: A couple is 2 people who are travelling together. For Single Trip policies, individuals do not have to be related. For Annual Multi-Trip policies, both individuals must live at the same address, but can travel independently from each other.

Q: I want to get a family Multi Trip, but we often travel separately – do we have to have separate policies?

A: For MPI Multi-Trip policies, you must live at the same address but can travel independently from each other.

Q: My son/daughter is at University, can they be included on our Family Multi Trip?

A: We understand that their Term Time address may be different from the family home, but as long as their Main Home address is the same as the rest of those on the policy, they can be insured under the Family Multi Trip, as long as they are aged 21 or under.

Q: What is the maximum age someone can be insured under an MPI policy?

A: We can insure those up to age 100 for a Single Trip, or up to age 80 for those seeking a Multi Trip.

Q: I am currently 69 but turn 70 whilst I am away, which age bracket do I fall under?

A: The Insurance premium is calculated on your current age at the time of purchasing the policy, it will not affect the policy if you have a birthday whilst overseas.

Q: Is there a limit to the number of trips I can take on a Multi Trip policy?

A: No, as long as each trip does not exceed the duration limit.

Q: How many days do I have per trip on a Multi Trip (Non-Wintersports)?

A: There is cover for up to 30 days any one Non-Wintersports trip. This can be increased to 60 or 90 days under our ‘Options’ section. If you are planning a trip which will exceed this limit, please take a look at our Longstay/Backpacker policy.

Q: How many days do I have per trip on a Multi Trip (Wintersports)?

A: There is cover for up to 17 days any one Wintersports trip. This can be increased to 31 or 62 days under our ‘Options’ section. If you are planning a trip which will exceed this limit, please take a look at our Seasonaire policy.

Q: What’s the difference between a Longstay, Seasonaire and Backpacker policy?

A: There is no difference in terms of cover or price. They are just marketed differently to suit different travellers.

Q: I’m going on a cycling holiday – is there cover for this under an MPI policy?

A: Road cycling cover sits under all our policies as standard, which includes emergency medical cover after an accident, repatriation, plus personal liability cover whilst cycling too.

You will need to select the Additional Cover option for ‘Mountain Biking’ if you wish to include cover for the bicycle (up to £1,000 for loss and damage) and you will also need to select this option if you are more of a thrill-seeker participating in downhill mountain biking with man-made trails and jumps.

Q: Are my Personal Effects covered if left in my campervan?

A: There is cover for theft, if your belongings are left in a locked campervan which is your accommodation for the duration of the trip. If this is the case, the exclusion of leaving Personal Effect unattended in a motor vehicle does not apply. For the theft to be covered you must file a police report and there must be evidence of forced/violent entry. We would advise that you keep your Wallet/Purse and Passport on you at all times.

Q: I am going to play Rugby overseas, am I covered for this?

A: There is an Additional Cover option for ‘Rugby’ however this option is not suitable for everyone and we would ask that you contact with more information about your trip including the level of Rugby you will be participating in and we will let you know if cover is available.

Q: Can you cover non-UK residents?

A: We cover both residents of the UK & Ireland and British Passport holders residing in the EU.

Q: Is there an excess payable under the policy?

A: All insurance policies have an excess, which is an amount deducted from your loss. At MPI we make sure this is kept to a minimum as we deduct only one excess per event, per person, regardless of how many sections you claim under for one incident. Most insurance providers deduct the excess per section.

You can purchase an Excess Waiver which means all excesses are waived from the policy and shall not apply, other than, under the Personal Liability section.

Q: I’ve decided to stay abroad for longer, can I extend my policy?

A: We can certainly look to extend the policy for an Additional Premium; however, this depends on the circumstances. Please contact with some more information.

Q: Can I purchase insurance whilst already away?

A: Whilst we do allow policies to be purchased once you have already left the UK, we ask that customers sign a No Incident Declaration form and tell us more about their trip before purchasing with us. Please email for more information.

Q: Do you offer any discount or promotions?

A: There is a 10% discount automatically applied to purchases made online.

Q: Do you offer group discounts?

A: It depends on your group size. Please contact with details of your group size, travel dates and destination and we will get back to you with a quote.


Address

MPI Brokers Head Office
West House, 19-21 West Street
Haslemere, Surrey, GU27 2AB
United Kingdom

Contact Us
For corporate calls - 01428 664265

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Regulation

Michael Pettifier Insurance Brokers Ltd. trading as MPI Brokers, Mind The Gap Year, MPI Don’t Stop Me Now and Douglas Cox Tyrie is authorised and regulated by the Financial Conduct Authority FCA number 308481

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