FREQUENTLY ASKED QUESTIONS
We’ve put together some commonly asked questions to give you more information about Top Up My Cover Cancellation.
If you have a question that is not answered below please use the contact us page to ask us directly.
You can top up your main travel insurance policy by up to £50,000 per person (up to £15,000 per person if aged 75-79 and £10,000 if aged 80-85), provided each person is on the same booking. The overall limit per policy is £100,000.
If you require cover above these limits, please click here for details of an alternative policy – High-Value Travel Cancellation Insurance.
You must have at least £1,000 of cover per person on your main travel insurance policy. It doesn’t matter how high the cover is.
Yes, you must have an existing travel insurance policy in place before you can top up.
There is a waiting period of 7 days from the time that you take out your policy. If anything occurs in this period, or you are aware of anything that could give rise to a claim prior to taking out your Top Up Cancellation policy, you will not be covered.
No, the top up applies to a single trip only. If your main travel insurance policy is an annual policy, this top up policy will only provide cover for a specified single trip.
Yes. For example, if you have a joint account you may be covered up to £5,000 per person. If your total trip cost is £16,000 then you would need a Top Up of £3,000 per person.
You will need to check what the total cancellation cover is. Most policies will provide cover per person. So, if you have £3,000 per person and there are two adults and two children covered you will have £12,000 total cover. If your total trip cost is £18,000 then you would need a Top Up of £1,500 per person.
The policy is available to people aged 85 years or under who are permanently resident in the United Kingdom (England, Scotland, Wales, Northern Ireland, Channel Islands and the Isle of Man).
Cover is available to people aged 85 years or under. If you are aged over 85 please call us on 02392 419 882.
Antares Managing Agency Limited is the managing agent for Antares Syndicate 1274 at Lloyd’s.
Antares Managing Agency Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
This can be checked on the Financial Services Register by visiting www.fca.org.uk.
Top Up My Cover Cancellation only pays after a valid claim has been made on your main travel insurance policy so it doesn’t matter where you travel. However, you should always check that you are travelling to a location that is covered on your main policy.
Please read the Insurance Policy for details of the cover.
Top Up My Cover Cancellation only pays after a valid claim has been made on your main travel insurance policy so we will not ask you about any pre-existing medical conditions. However, you should always make sure that you have made a full declaration to the insurers of your main travel insurance policy to ensure that you are covered with them.
Top Up My Cover Cancellation is only concerned with the total cost of the trip, it doesn’t matter to us how long you go away for.
Any change will need to be referred to insurers. Please call us on 02392 419 882 to discuss.
Making a Claim
You should notify insurers of your intention to make a claim within 31 days following the settlement date of your claim under your main travel insurance policy.
We aim to provide a first class claims service and respond within 10 working days of receipt of correspondence.
You will not be able to claim under your Top Up policy as it only pays out once your main policy has settled a claim up to the policy limit.
You have no further need of the Top Up cover which was there in case you needed to make a claim for the full cost of your trip.
You can pay by debit or credit card. We accept Mastercard and Visa.
Once you have purchased your policy, you will receive an email from Top Up My Cover Cancellation with instructions on how to access your policy documents via a secure online customer portal.
Please note – if you have not received your email after a few hours, please check your spam email folder.
Please ensure you have set up an account. To do so please call customer services on 02392 419 882.
Please note – you will need to use the same details to create your account that you used to obtain a quote and purchase your policy online.
If you are not completely satisfied with the cover provided you may return your policy to us within 14 days on receipt of your policy documents, provided that you have not already travelled and are not making a claim.