Can I cancel my current policy and take a new policy that has a cover for change in FCO advice?
Yes, however, you should be aware that there will be no cover if the FCO has already issued a directive to the area you are traveling to. Your new policy will only cover you for events and restrictions in areas that occur after the date you paid for your policy and may have different terms, conditions, and premiums applied.
If I have a stop-over in an area which the FCO advises against travel to, am I still covered?
They would suggest that if you have not started that part of your journey you contact your airline to change your travel plans to move on to the next part of your itinerary. If you arrive at your stop-over airport and entry is denied due to the virus you should contact your airline to change your travel plans to move on to the next part of your itinerary.
What is policy Excess?
Most sections of the policy carry an excess. This is the first amount of any claim that you will have to pay. The amount may vary depending on the level of cover you have chosen. It is applicable per person per section.
What are my cancellation rights?
If after reading the policy wording you decide the terms of the insurance contract does not meet your requirements you can, WITHIN 14 DAYS OF THE DATE YOU RECEIVED YOUR DOCUMENTS, return it for a full refund. Should you wish to cancel your policy outside of the 14-day cooling-off period, and can confirm that there have been no claims on the policy and that you have not travelled, in addition to a £15 administration charge; the following cancellation terms will be applied dependant on what type of policy you have purchased.
Single Trip policies - In the event you have not travelled and are not claiming on the policy, a refund of 50% of the policy premium and any additional premium applied to your existing medical conditions will apply. If you have travelled or are intending to claim, or have made a claim (irrespective of whether your claim was successful or not) they will not consider refunding any proportion of your premium.
Annual Multi-Trip policies - Provided you have not made a claim on the policy (irrespective of whether your claim was successful or not) and you confirm in writing that there is no claim pending, should you choose to cancel and understand that all benefits of the policy will be cancelled, they will refund 5% of the total premium paid, for each full calendar month remaining on the policy from the date of cancellation. If you are intending to, or have claimed (irrespective of whether your claim was successful or not) they will not consider refunding any proportion of your premium.
Do you cover non-UK residents?
No, this policy is only available to UK residents that have resided in the UK for at least 6 months of the last 12.
Can I change my policy?
They can change your policy within 14 days of purchase (except to add on excess waiver), after this, you will only be able to make administration changes such as departure/return dates, extend the policy to cover Dangerous Activities or upgrade the benefit levels within the policy. Please contact Rock Insurance on 0343 658 0350.
Am I covered for cancellation?
If you have paid the appropriate premium, you are covered for cancellation of your holiday for the reasons stated in the policy wordings so long as the incident occurs after the start date on your policy. You may be able to claim (subject to the policy terms and conditions) for any travel or accommodation costs that you have either already paid or are contracted to pay, that you cannot reclaim from the tour operator.
