With these types of trips you are usually planning to travel for a longer than normal holiday. Therefore, bereavement cover and the ability to extend your cover during your trip are important elements to consider. We can help include these in your cover.
There is cover for most activities as long as they don’t form the reason for your trip and are incidental to your trip.
We are fully aware that people taking a gap year or backpacking may undertake the occasional ‘risky’ activity, so for the sake of clarity we have shown below what is and is not covered by this policy.
The following activities are not covered:
In addition there are specific exclusions relating to motorcycling and quad bikes.
All other activities, therefore, by implication are included in this insurance provided they are incidental, and they have not been pre-planned and booked before your departure from United Kingdom, (if an activity/sport has been pre-planned please call us on 01428 778000).
The following is an example of included activities, provided they are incidental. For those marked with an * there is no cover under the Public Liability section.
Most work and volunteer work is covered under the policy with only 4 main exclusions:-
There is no personal liability cover whilst working, as this should be covered by an employer and we recommend you check this out.
If you are planning to work for a tour operator, they should insure you - check out MPI’s Resort Staff Insurance.
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