Travel Insurance

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Frequently asked questions

Common Questions

I have not received my documents

Your documents should have been sent to your e-mail address. If they have not been received please first check your Spam or Junk mail as some e-mail providers can filter the certificates incorrectly. If your documents are still not found then please telephone the call centre on 0343 658 0290 to ensure the documents are provided to you.

Is it better value to take out travel insurance individually or as a couple, family or group?

If you require cover for a couple or family then you should choose that option from the relationship box in the quote path. This is because there can be discounts, such as kids travelling free, for couples and families.

How many children can I insure on a family policy?

You can insure up to 4 children aged 17 and under on a family policy.

How many times can I travel on my Bell Travel Insurance Annual Multi-Trip Policy?

There is no limit to the number of times you can go away if you have purchased Annual Multi-Trip Insurance. However the number of days you can be away at a time will be limited and you should check your documents to ensure you have adequate cover.

I forgot to take travel insurance before I left the UK, can I still be covered?

To be eligible for Bell Travel Insurance, you must be a resident of the UK and in the UK at the time that you take the insurance out. You cannot take out the insurance once you have left the UK.

Lost passport?

You should contact the nearest consulate for assistance in replacing the document. The policy will not cover you for the cost of the replacement document, but does offer assistance should you need to travel to the consulate or stay longer to sort out replacement documents.

What do I do in the event of my travel agent/tour operator/airline company going into administration?

Unfortunately, there is no cover under this policy if your travel agent or tour operator go into administration. If they are an ABTA member, you can submit a claim to them for the cost of your holiday.

If you have booked each component part of your holiday separately (flight, accommodation, car hire) and one of these companies goes into administration you can put in a claim on your Bell Travel Insurance policy.

If you are a Premier customer and have purchased a Bell Travel Insurance Single Trip or Annual Multi-Trip policy and would like to claim for an airline that has gone into administration, please contact MGA Cover Services Limited on 020 3 540 4422.

Am I covered if strike/industrial action occurs?

Provided that you were unaware of the strike/industrial action at the time you booked your policy, and that it was not public knowledge at that time, then there is some cover within the wording. Please see the sections on Cancellation & Curtailment, Travel Delay and Missed Departure on Your Outward Journey.

Are my glasses covered?

There is cover for both prescription glasses and sunglasses in the section Personal Luggage. The amount of cover depends on the level of cover you have purchased, however the overall limit for glasses of any kind is £150 per person.

Geographical Limits

Does Bell Travel Insurance cover non-UK residents?

The policy only offers cover to UK residents. UK residency includes Great Britain, Northern Ireland and the Isle of Man.

Am I covered to travel within the UK?

Yes. However, you must have pre-booked at least 3 nights accommodation.

What countries are covered by Bell Travel Insurance?

Zone 1: Albania, Andorra, Austria, The Azores, Belarus, Belgium, Bosnia, Bulgaria, The Channel Islands, Corsica, Croatia, Czech Republic, Denmark, Egypt, Estonia, Finland, France, Germany, Gibraltar, Hungary, Iceland, Italy, Kosovo, Lapland, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Moldavia, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Russia, San Marino, Sardinia, Serbia, Sicily, Slovakia, Slovenia, Sweden, Tunisia, UK Area, Ukraine and the Vatican City.

Zone 2: Whole of Europe, including Balearics, Canary Islands, Cyprus,Greece (including Greek islands), Malta, Spain, Switzerland and Turkey.

Zone 3:All countries worldwide, excluding the United States, Canada, Bermuda and the Caribbean.

Zone 4: All countries worldwide.

NOTE: No cover is provided under this policy for any trip in, to or through Afghanistan, Liberia or Sudan

Can I upgrade my policy?

You cannot upgrade your policy to waive the excess once you have taken the policy out, all other upgrades, such as Business and Winter Sports Cover can be made after the policy start date. However there could be times when the insurer requires that no further changes are made, for example if you have already travelled or are in the process of making a claim. Therefore you should try to ensure that the policy suits all your needs when you take it out to avoid any disappointing situation later on.

What do I do if I plan to visit more than one country?

You should always check the various geographic zones that your destinations are in (see question: What countries are covered by Bell Travel Insurance?) If you are visiting countries in more than one zone then to be certain that you are choosing the correct cover, please check with the customer services team on 0343 658 0290.

Which Zone would I need to purchase if travelling to Egypt or Turkey?

Choose Zone 2.

Which Zone would I need to purchase if travelling to Morocco or Tunisia?

Choose Zone 1.

Policy and Purchase

How can I purchase travel insurance from Bell Travel Insurance?

You can either buy online at www.belltravelinsurance.co.uk or call the friendly customer sales team on 0343 658 0290.

What is the difference between Economy, Standard and Premier cover?

Economy cover will cost the least amount of money. However, it will provide the lowest cover and you will have to pay the highest excess (which is the first amount of any claim you make). Premier cover will cost the most. It will provide the highest levels of cover, and more comprehensive cover, and you will have to pay the smallest excess. Standard cover falls between Economy and Premier. You should always check the policy wording to ensure that you have chosen the right cover for you.

What ages do I enter to obtain a quote?

You should enter the age that you are now.

When do I start my policy from?

If you are taking out Bell Travel Insurance Annual Multi-Trip Cover then you should start the policy no more than 31 days in advance. If you are buying a Bell Travel Insurance Single Trip policy then the start date should be the date you are travelling.

How can I pay for my travel insurance?

You can pay for your travel insurance using any debit or credit card.

What are my cancellation rights?

You have the right to cancel this insurance should it not meet your needs within 14 days from either the date of purchase or receipt of your certificate of insurance, whichever is later, and provided that you have not already travelled.

Can I change my policy once I have purchased it?

You cannot upgrade your policy to waive the excess once you have taken the policy out, all other upgrades, such as Business and Winter Sports Cover can be made after the policy start date. However there could be times when the insurer requires that no further changes are made, for example if you have already travelled or are in the process of making a claim. Therefore you should try to ensure that the policy suits all your needs when you take it out to avoid any disappointing situation later on.

Can I update my details?

If you have misspelt your name, address or email contact then this can be changed at any time by calling the team on 0343 658 0290.

Can I extend my stay whilst away?

In exceptional circumstances, your policy may be extended. However, this can only be done with the authority of the insurer. If you need to extend your policy, and are already away, then you should contact the team on 0343 658 0290, who will take some details from you and then contact the insurer. A member of staff will then call you back to let you know whether this is possible.

Am I covered for cancellation?

If you have not chosen to delete the Cancellation & Curtailment cover then you will be covered for cancellation. You should refer to Section 4 of the policy wording to see what this cancellation cover provides for you.

What is a policy excess?

Under most sections of the policy, claims will be subject to an excess. This means that you will be responsible for paying the first part of the claim per insured person each and every incident, each and every section of cover.

Eligibility

What is the maximum age Bell Travel Insurance can insure up to?

The maximum age for someone taking out a Bell Travel Insurance Single Trip is 74 or Annual Multi-Trip insurance is 64. If you want to take out Bell Travel Insurance Backpacker Cover, the maximum age is 45. If you require Winter Sports Cover then the maximum age is 65.

For customers over the ages mentioned above, we can still arrange cover

Click here for more information

I forgot to take travel insurance before I left the UK, can I still be covered?

To be eligible for Bell Travel Insurance, you must be a resident of the UK and in the UK at the time that you take the insurance out. You cannot take out the insurance once you have left the UK.

What is classed as a UK resident?

A person who has lived in the UK for 6 months out of the last 12 month period.

Can non UK residents be covered under your policy?

No.

Medical and Health

In the event of a medical emergency, you must contact Mapfre Assistance as soon as possible on 00 44 (0) 203 362 2410. 

You MUST contact Mapfre Assistance before incurring expenses in excess of £500, except in case of emergency. In case of emergency, if you are physically prevented from contacting the Mapfre Assistance immediately, you or someone designated by you must make contact within 24 hours.

Does Bell Travel Insurance cover pre-existing medical conditions?

Yes. If you have a pre-existing medical condition then you need to contact Medical Screening to declare all your pre-existing medical conditions. You can contact Medical Screening on 0343 658 0267. Your pre-existing medical conditions will not be covered unless you have declared all conditions, received acceptance of this in writing, and paid an additional premium.

How much medical cover does Bell Travel Insurance offer?

The Medical Emergency & Repatriation Cover amount is £10,000,000 for all levels of cover.

Am I covered if I am pregnant?

Under EU directive, pregnancy is not treated as a pre-existing medical condition. Therefore, you would only be offered cover if there were complications arising as a result of pregnancy. You should read the policy wording carefully to ensure you understand what that cover entails. Please note that airlines can refuse to carry women who are within a certain time period of their due date. This is an allowable event under the EU directive. However, there is no cover under the policy if the airline refuses to board a passenger because of the due date.

Emergencies and Claims

What do I do in the event of a medical emergency?

In the event of a medical emergency, you must contact Mapfre Assistance as soon as possible on 00 44 (0) 203 362 2410. 

You  MUST  contact  Mapfre Assistance before  incurring  expenses  in  excess  of  £500, except  in  case  of emergency. In case of emergency, if you are physically prevented from contacting Mapfre Assistance immediately, you or someone designated by you must make contact within 24 hours.

How do I make a claim?

First, check your certificate and the appropriate section of your policy to make sure that what you are claiming for is covered. Claim forms can be obtained from claims@travelclaimsservices.com. Alternatively, telephone the Claims Helpline on 0203 362 2411 to obtain a claim form, giving your name and certificate number, and brief details of your claim.

All claims must be notified within 28 days of your return on a policy claim form, accompanied by original invoices, receipts, reports, etc.

Sports and Activities – including golf

What sports am I covered for?

Different sports have differing levels of risk, so we have split sports and activities into four different cover levels.

Table A you are automatically covered under regular Bell Travel Insurance policies (e.g. non-competitive football).

Table B (e.g. jet skiing (no racing)) you are automatically covered under regular policies however there is no cover for personal accident or personal liability (see policy wording for further details).

Table C (e.g. rugby) offers greater risk sports and activities and can be added to your policy for an additional premium at the ‘tailor your policy’ section of our quote process.

Table D (e.g. polo) offers greater risk sports and activities and can be added to your policy for an additional premium at the ‘tailor your policy’ section of our quote process, however there is no cover for personal accident and personal liability (see policy wording for full details).

What does no cover in respect of personal accident and personal liability mean?

Personal accident - No cover will apply, if you suffer accidental bodily injury during the trip, which within 12 months is the sole and direct cause of death or disablement.

Personal liability - No cover will apply, if in the course of a trip you become legally liable for accidental bodily injury to or the death of, any person and/or accidental loss of or damage to their property.

However, Personal Accident and Personal Liability are separate sections within the policy and cover under Medical Emergency would still apply.

Am I covered for scuba diving?

Yes, you are covered for scuba diving at no additional premium on Bell Travel Insurance policies up to 30m (within organiser’s guidelines). If you require more than 30m in depth you can do so upon payment of an additional premium. Simply add Table C sports at the ‘tailor your policy’ stage of the quote process and be covered for scuba diving 30-50m (within organiser’s guidelines).

Can I get Golf Cover?

Bell Travel Insurance offers a special Golf Cover which can be added at the ‘tailor your policy’ section of the quote process.

Are my golf clubs covered?

Providing you have purchased the additional golf cover upgrade, your golf clubs are covered up to a maximum of £1,000, with £500 single article limit depending on which policy you have taken out.

What do you describe golf equipment to be?

Golf clubs, golf bags, golf shoes, non-motorised golf trolleys owned or hired by you.

Winter Sports

What age can I get Winter Sports Cover up to?

You can upgrade your policy to include Winter Sports providing everyone on the policy is aged 65 and under.

What activities are covered by Winter Sports?

  • Big foot skiing
  • Cat skiing
  • Cross country skiing/Nordic skiing
  • Glacier skiing
  • Husky dog sleigh ride
  • Husky safari
  • Ice fishing by snow mobile (snow mobile driven by guides)
  • Ice fishing by snow mobile (snow mobile not driven by guides)
  • Ice sailing
  • Ice wind surfing
  • Lasso throwing
  • Mono skiing
  • Off piste skiing or snow-boarding (within local ski patrol guidelines)
  • Reindeer safari
  • Reindeer sleigh ride
  • Skidoo
  • Skiing
  • Sledging/tabogganing
  • Snowblading
  • Snowboarding
  • Snow mobile safari
  • Snow mobiling
  • Tandem skiing

    What activities are not covered?
  • Heli boarding
  • Heli skiing
  • Ice hockey
  • Luging/bobsleighing
  • Para skiing
  • Skeleton
  • Ski acrobatics
  • Ski jumping
  • Skiing off piste outside recognised and authorised areas
  • Ski racing
  • Ski stunting
  • Snow boarding outside recognised and authorised areas

How many days Winter Sports Cover do I have?

On a Bell Travel Insurance Single Trip policy, there is no limit on Winter Sports Cover. On an Annual Multi-Trip policy, you have one trip of up to 17 consecutive days Winter Sports Cover.

Am I covered for off-piste skiing?

Yes, when within local ski patrol guidelines.

Am I covered if my skis/snowboard go missing in transit?

Yes, provided you have paid the additional Winter Sports premium, up to the amount outlined in your policy wording.

Am I covered for piste closure, avalanche or landslide and loss or theft of my ski pass?

Yes, provided you have paid the additional Winter Sports premium, to the amounts outlined in your policy wording.

Business Cover

What’s the longest duration I can get Business Cover for?

Providing you have paid the additional premium, cover is available for up to 31 days. It is NOT available on Bell Travel Insurance Backpacker policies.

Am I covered for business equipment and what is the definition of business equipment?

Yes, if you have taken out Bell Travel Insurance Business Cover.

Business equipment relates to computer equipment, communication devices and other business related equipment which is carried by you in the course of your trip. It incorporates business goods or samples, presentation materials, packaging/cases, technical materials/equipment directly associated with your trade or profession.