Travel Insurance FAQs

Exceptional travel advisory notice

The Foreign and Commonwealth Office (FCO) now advises British people against all non-essential travel worldwide. This advice takes effect immediately as of 17 March and initially applies for a period of 30 days.
 
The Covid-19 pandemic has led to unprecedented international border closures and other restrictions. All countries may restrict travel without notice. If you now need to change or cancel your travel plans, follow these steps:
 
1. Contact your airline, travel company, cruise line or other transport and accommodation providers
2. Get in touch with your insurance provider
3. Continue to follow the NHS coronavirus guidance

Coronavirus alerts: If your policy starts with TC

If I am quarantined due to Coronavirus, BEFORE I leave the UK, what cover is in place?

If you are ill and certified by your medical practitioner as unfit to travel then you can claim for cancellation. Also, if you are quarantined by your medical practitioner due to Coronavirus and therefore unable to travel you can claim for cancellation. In all cases you would need to provide evidence from your medical practitioner.

If my destination has been declared by the FCO as an area that has travel restricted to “all but essential travel” or “no travel at all”, am I covered?

In the first instance you should contact your travel and accommodation provider to see if alternative arrangements can be made. If you are able to rearrange your travel plans we will be happy to transfer your travel insurance to accommodate this. If this is not possible, and you have paid for your trip via a bank or credit card, please contact your provider to discuss the possibility of a refund.

If you are cancelling because the Foreign and Commonwealth Office (FCO) have advised against all or all but essential travel to a country or an area of a country, for policy numbers starting with TC SOLD ON OR AFTER THE 24th FEBRUARY 2020 there is cover available as standard provided your booked destination falls into the area covered by the advice and was announced after you had bought your policy. Standard Policy T&C's apply.

Disinclination to travel is not a valid reason to cancel your trip and claim for any of your money back. Therefore the fear of travelling as you may contract the virus would also not be a valid reason to cancel your trip and file a claim.

Is my policy valid or am I insured if I travel against the advice of the FCO?

No – None of the policies issued by the Post Office cover you if you decide to travel against the advice of the FCO. This is for ‘All Travel’ and ‘All but Essential Travel’.

Am I covered for cancellation due to coronavirus?

In the first instance you should contact your travel and accommodation provider to see if alternative arrangements can be made. If you are able to rearrange your travel plans we will be happy to transfer your travel insurance to accommodate this. If this is not possible, and you have paid for your trip via a bank or credit card, please contact your provider to discuss the possibility of a refund.

If you are cancelling because the Foreign and Commonwealth Office (FCO) have advised against all or all but essential travel to a country or an area of a country, for policy numbers starting with TC SOLD ON OR AFTER THE 24th FEBRUARY 2020 there is cover available as standard provided your booked destination falls into the area covered by the advice and was announced after you had bought your policy Standard Policy T&C's apply.

Disinclination to travel is not a valid reason to cancel your trip and claim for any of your money back. Therefore the fear of travelling as you may contract the virus would also not be a valid reason to cancel your trip and file a claim.

If I go on my trip and I contract Covid-19 will my policy cover medical treatment?

Yes you are covered for emergency medical treatment should you contract Coronavirus. If you are forced to stay in hospital or in the country under quarantine, your policy will automatically extend until the time you return to the UK. Please ensure that you call the emergency assistance line as soon as you feel you need to seek medical attention.

Emergency Assistance Lines:

For policies beginning with TC, call;  • +44 (0)208 865 3074.

For policies beginning with TE, call; • +44 (0)1403 289 163 (from anywhere except the UISA, Canada or Mexico),

• +1-877324-0460 (toll free from the IUSA or Canada), • 00 1 819 780 0644 (from Mexico).

Our policies will provide cover for repatriation (getting you home) if it is deemed medically necessary. By calling the emergency assistance line, our teams will liaise with you and your doctors regarding your treatment. The repatriation plans will be put in place when it is medically safe to do so. Restrictions will only be in place where it is against government advice, local advice, where travel is restricted or where you pose a risk to other people/passengers.

What cover is there if I am quarantined due to coronavirus, ONCE I have started my trip (including being on a cruise or in a hotel) and I am unable to leave to return home?

If the area you are staying in or your accommodation is put into compulsory quarantine on the instruction of a local doctor or health official and you are not allowed to leave, there is cover for your unused travel and accommodation costs. 

These costs are calculated from the day your compulsory quarantine starts.  If you have purchased the Enhanced Trip Disruption add-on for Natural Catastrophe / Terrorism, and the World Health Organisation has declared that the coronavirus is a Pandemic delaying your return home, you will receive up to a set amount for each day you are delayed to contribute towards accommodation and flights. For cover to apply, you must purchase the policy before you know of a reason to make a claim.

If I am stuck abroad due to coronavirus and cannot come home on my planned return date, will my travel insurance be extended to cover me until I can get home?

You policy may be extended for multiple reasons; if you are hospitalised, require medical treatment and are unable to fly; if your transport is disrupted or delayed; or if you cannot return home for reasons beyond your control.

ensure that you call the emergency assistance line as soon as you are able to.

Emergency Assistance Lines:
For policies beginning with TC, call; • +44 (0)208 865 3074

For policies beginning with TE, call;

• +44 (0)1403 289 163 (from anywhere except the UISA, Canada or Mexico),

• +1-877324-0460 (toll free from the IUSA or Canada),

• 00 1 819 780 0644 (from Mexico).

What happens if I arrive at my holiday destination (COUNTRY) and they refuse entry due to the coronavirus?

If you arrive at your destination and are refused entry into the country due to Coronavirus then no cover applies (please check with your travel provider before travel).

if you have paid the additional premium for Natural Catastrophe / Terrorism Upgrade and a pandemic is announced you are covered for Trip Disruption if you have already departed the UK and are unable to complete your journey as per your pre-booked itinerary. You can claim for additional travel and accommodation expenses incurred until you can resume or complete your original itinerary. This is paid up to a daily amount

If you are put into quarantine on the instruction of a local doctor or health official upon arrival in another country there is cover for your unused travel and accommodation costs, calculated from the start the period of quarantine.

Am I covered for travel delay caused by coronavirus?

The Delayed Departure section of the policy will not cover you if you are delayed due to the Coronavirus. However if you have purchased the Enhanced Trip Disruption add-on for Natural Catastrophe / Terrorism, and the World Health Organisation has declared that the coronavirus is a Pandemic delaying your return home, you will receive up to a set amount for each day you are delayed to contribute towards accommodation and flights.

Will I be covered if I want to cut my trip short due to coronavirus?

The fear of continuing your holiday because you may contract the virus is also not a valid reason to cancel your trip and file a claim. In the first instance we would advise contacting your travel provider to see if you can be moved to an alternate area. If your policy begins with TC, as of the 24th February, should the FCO change their travel advice impacting your destination to avoid all or all but essential travel, you can claim for unused travel and accommodation costs from the date the advice changed. We ask that you check your policy wording for more information on this.

What can I do with my policy if I am no longer travelling and have received a refund for my holiday?

If you are cancelling your insurance within 14 days of taking out the policy, then yes you can cancel your insurance and receive a full refund.  If you are outside the 14 days cooling off period and you have purchased an annual multi trip policy, then no refund is available.  If you have purchased a single trip policy, and are outside of the 14 days and can provide proof that your trip has been cancelled and refunded we will refund your policy.  Please call Post Office on 0330 123 3690.

Can my policy be changed to suit a ‘new/different’ holiday or trip?

Yes: You can re-arrange your insurance to cover your new trip.  If your re-arranged trip is to a different country or for a longer period, you may have to pay an additional premium to cover this change.

What happens if I am stuck somewhere and the FCO adds my country to their list?

If your policy begins with TC, as of the 24th February 2020, should the FCO change their travel advice impacting your destination to avoid all or all but essential travel, you can claim for unused travel and accommodation costs from the date the advice changed.

I don't want to travel anymore as I am anxious. Is this covered?

Please be aware that your policy does not provide cover for your holiday costs if you change your mind and no longer wish to travel because you are concerned about the Coronavirus.

My airline or travel company have cancelled my flight/hotel/car hire/total trip. Can I claim?

For any cancellations made by your travel or accommodation providers, please contact them in the first instance. If an airline or tour operator cancel your flight or trip then they must reimburse you or provide an alternative. If you have booked independently some accommodation providers and car parking will not give refunds and may be covered under your policy, however we would ask that if booked via a credit/bank card that you contact those providers in the first instance.

Coronavirus alerts: If your policy starts with TE

If I am quarantined due to coronavirus, BEFORE I leave the UK, what cover is in place?

If you are ill and certified by your medical practitioner as unfit to travel then you can claim for cancellation. Also, if you are quarantined by your medical practitioner due to Coronavirus and therefore unable to travel you can claim for cancellation. In all cases you would need to provide evidence from your medical practitioner.

If my destination has been declared by the FCO as an area that has travel restricted to “all but essential travel” or “no travel at all”, am I covered?

In the first instance you should contact your travel and accommodation provider to see if alternative arrangements can be made. If you are able to rearrange your travel plans we will be happy to transfer your travel insurance to accommodate this. If this is not possible, and you have paid for your trip via a bank or credit card, please contact your provider to discuss the possibility of a refund.

policy numbers starting with TE there is cover available as standard to cancel your trip should the FCO change their travel advice to a certain area or country. The announcement by the FCO must have been made AFTER you purchased your Travel Insurance policy. We ask that you check your policy wording for more information on this.

Disinclination to travel is not a valid reason to cancel your trip and claim for any of your money back. Therefore the fear of travelling as you may contract the virus would also not be a valid reason to cancel your trip and file a claim.

Is my policy valid or am I insured if I travel against the advice of the FCO?

No – None of the policies issued by the Post Office cover you if you decide to travel against the advice of the FCO. This is for ‘All Travel’ and ‘All but Essential Travel’.

Am I covered for cancellation due to coronavirus?

the first instance you should contact your travel and accommodation provider to see if alternative arrangements can be made. If you are able to rearrange your travel plans we will be happy to transfer your travel insurance to accommodate this. If this is not possible, and you have paid for your trip via a bank or credit card, please contact your provider to discuss the possibility of a refund.

policy numbers starting with TE there is cover available as standard to cancel your trip should the FCO change their travel advice to a certain area or country. The announcement by the FCO must have been made AFTER you purchased your Travel Insurance policy. We ask that you check your policy wording for more information on this.

Disinclination to travel is not a valid reason to cancel your trip and claim for any of your money back. Therefore the fear of travelling as you may contract the virus would also not be a valid reason to cancel your trip and file a claim.

If I go on my trip and I contract Covid-19 will my policy cover medical treatment coronavirus? And will repatriation be covered?

you are covered for emergency medical treatment should you contract Coronavirus. If you are forced to stay in hospital or in the country under quarantine, your policy will automatically extend until the time you return to the UK. Please ensure that you call the emergency assistance line as soon as you feel you need to seek medical attention.

Emergency Assistance Lines:
For policies beginning with TC, call; • +44 (0)208 865 3074.

For policies beginning with TE, call;

• +44 (0)1403 289 163 (from anywhere except the UISA, Canada or Mexico),

• +1-877324-0460 (toll free from the IUSA or Canada),

00 1 819 780 0644 (from Mexico).

Our policies will provide cover for repatriation (getting you home) if it is deemed medically necessary. By calling the emergency assistance line, our teams will liaise with you and your doctors regarding your treatment. The repatriation plans will be put in place when it is medically safe to do so. Restrictions will only be in place where it is against government advice, local advice, where travel is restricted or where you pose a risk to other people/passengers.

What cover is there if I am quarantined due to coronavirus, ONCE I have started my trip (including being on a cruise or in a hotel) and I am unable to leave to return home?

The local authorities who have authorised the quarantine would be responsible for any accommodation and food costs.

If I am stuck abroad due to coronavirus and cannot come home on my planned return date, will my travel insurance be extended to cover me until I can get home?

You policy may be extended for multiple reasons; if you are hospitalised, require medical treatment and are unable to fly; if your transport is disrupted or delayed; or if you cannot return home for reasons beyond your control.

ensure that you call the emergency assistance line as soon as you are able to.

Emergency Assistance Lines:
For policies beginning with TC, call; • +44 (0)208 865 3074

For policies beginning with TE, call;

• +44 (0)1403 289 163 (from anywhere except the UISA, Canada or Mexico),

• +1-877324-0460 (toll free from the IUSA or Canada),

• 00 1 819 780 0644 (from Mexico).

What happens if I arrive at my holiday destination (COUNTRY) and they refuse entry due to the coronavirus?

There is no cover for this scenario.

Am I covered for travel delay caused by coronavirus?

The Travel Delay section provides cover for unavoidable delay in departure of at least 12 hours (after you have checked-in) from your original scheduled departure time from your first departure point on your outward journey or your last departure point on your return journey as a result of...Cancellation by the transport provider
of your scheduled pre-booked international flight, ferry, train or coach.
The cancellation of the flight might be as a result of COVID-19.

Will I be covered if I want to cut my trip short due to the Coronavirus?

The fear of continuing your holiday because you may contract the virus is also not a valid reason to cancel your trip and file a claim. In the first instance we would advise contacting your travel provider to see if you can be moved to an alternate area. If your policy begins with TE, there is cover available to cut short your trip should the FCO change their travel advice impacting your destination to avoid all or all but essential travel, you can claim for unused travel and accommodation costs from the date the advice changed. We ask that you check your policy wording for more information on this.

Can my policy be changed to suit a ‘new/different’ holiday or trip?

Yes – We will transfer your policy to accommodate your new trip details. If the changes warrant an increase in premium you will be required to pay the additional costs. We will not charge any admin fees

What can I do with my policy if I am no longer travelling and have received a refund for my holiday?

If you are cancelling your insurance within 14 days of taking out the policy, then yes you can cancel your insurance and receive a full refund. If you are outside the 14 days cooling off period and you have purchased an annual multi trip policy, then no refund is available. If you have purchased a single trip policy, and are outside of the 14 days and can provide proof that your trip has been cancelled and refunded we will refund your policy. Please call Post Office on 0330 123 3690.

What happens if I am stuck somewhere and the FCO adds my country to their list?

For policy numbers starting with TE there is cover available as standard to curtail your trip should the FCO change their travel advice to a certain area or country. We ask that you check your policy wording for more information on this.        

 In the first instance we would advise travellers to contact their trip provider, airline, and hotel provider etc. to either amend their travel plans or organise return travel.   

I dont want to travel anymore as I am scared, is this covered?

Please be aware that your policy does not provide cover for your holiday costs if you change your mind and no longer wish to travel because you are concerned about the Coronavirus

My airline or travel company have cancelled my flight/hotel/car hire/total trip. Can I claim?

For any cancellations made by your travel or accommodation providers, please contact them in the first instance. If an airline or tour operator cancel your flight or trip then they must reimburse you or provide an alternative. If you have booked independently some accommodation providers and car parking will not give refunds and may be covered under your policy, however we would ask that if booked via a credit/bank card that you contact those providers in the first instance.

Answers to some of your most common questions

Can I buy travel insurance at my local Post Office?

You can buy our Premier Travel Insurance at over 4,700 Post Office® branches. If your nearest branch cannot issue Travel Insurance, you can make your purchase online or by calling 0330 123 3690*

I don't live in the UK. Can I take out a policy?

Unfortunately not. Our policy covers UK residents (including the Channel Islands and Isle of Man).

I live in Republic of Ireland (Eire). Can I take out a policy?

Unfortunately not. You must live in the UK (including the Channel Islands and Isle of Man).

My partner and I live at separate addresses. Can we still buy family cover?

Family cover is available on our Annual-Multi Trip policies and Single Trip policies. Family policies are available for a person and their husband, wife, civil partner or Common Law Partner (who is residing with them), and their dependent, adopted or fostered children or grandchildren who are aged under 18 and are either in full-time education or living with them. 

Family cover is not available on our Backpacker Travel Insurance policy.

Is there an age limit for Single Trip Travel Insurance policies?

For Single Trip policies there is no upper age limit.

Is there an age limit for Annual Multi-Trip Travel Insurance policies?

For Annual Multi-Trip policies there is no upper age limit.

Is there an age limit for Backpacker Travel Insurance policies?

Yes, you have to be aged between 18 and 60 years of age at the start of the policy.

Backpacker policies are only available on our Economy level cover.

How long can I travel for?

If your policy starts with TC:

The Backpacker Travel Insurance policy covers you for trips from 31 days  in length up to 18 months.

On the Annual Multi-trip Economy and Standard cover levels, the insurance policy covers you for 17 days per trip and can be extended to 31, 45 or 60 days subject to the appropriate additional premium being paid. Premier cover levels cover you for 31 days per trip and can be extended to 45 or 60 days subject to the appropriate additional premium being paid. You can take as many trips as you like as long as you are not away for more than 183 days in the policy year.

The Single Trip Travel Insurance policy covers you for trips up to 365 days (for persons aged up to and including 70 years), up to 90 days (between 71 and 75) and up to 31 days (between 76 and 85).

If your policy starts with TE:

On the Annual Multi-Trip Lite, Prime and Elite cover levels, the insurance cover you for up to 31 days per trip. This cannot be extended.

The Single Trip Travel Insurance policy cover individual trips of up to 63 days

Super Economy or Premier Plus customer?

For customers who hold a Super Economy or Premier Plus policy. From 1st June 2019 the Super Economy and Premier Plus cover levels will be removed from sale.

If you have purchased your Super Economy or Premier Plus policy prior to this date, please do not worry, your cover will remain in place and will not be affected by this change. This includes the addition of Flight Delay Assistance service available to Premier Plus customers. Should you wish to make any changes to your policy, you will be able to do so by contacting the customer care team or by logging into the Self-Service Centre.

If you have purchased an Annual Multi-trip policy we will contact you when your renewal is due to discuss your options with you.

Classic, Superior or Superior Plus customer?

For customers who hold a Classic, Superior or Superior Plus policy. From 1st July, the Classic, superior and Superior Plus cover levels will be removed from sale.

If you have purchased your Classic, Superior or Superior Plus policy prior to this date, your cover will remain in  place and will not be affected by this change. Should you wish to make any changes to your policy, you will be able to do so by contacting the customer care team or by logging into the Self-Service Centre.

If you have an Annual Multi-Trip policy we will contact you when your renewal is due to discuss your options with you.

Making a claim?

If your policy number starts with TC:

It’s simple and stress free to make a claim online. To start your claim online.

The easiest way to make a claim is on our secure website, available 24/7. With a handy checklist for everything you need, you’ll have time to get the information and submit online.

There’s no waiting for the post, and for some claims you’ll get a decision straight away.

Alternatively, If you prefer to get the ball rolling over the phone, you can call us on: 0333 333 9702*

If your policy starts with TT: 

Please download a claim form from www.policyholderclaims.co.uk

Alternatively please advise the section of the insurance on which you want to claim and master policy number and policy reference to:

Travel Claims Facilities, PO Box 395, Monks Green Farm, Mangrove Lane, Hertford, SG13 9JW.

Or call 0203 829 3819*

You will need to provide your valid policy certificate and any necessary information requested to assist the processing of the claim. All claims must be notified within 3 months of the incident occurring. 

If your policy starts with TE:

If you need to make a claim you can either;

Email:- info@csal.co.uk

Or Telephone:- +44 (0) 1403 330 233

What if I have a complaint?

If your complaint relates to the sales literature, the way in which your policy was sold to you over the telephone or online, the Medical Screening Service or regarding the information about your policy, you can either call us on 0330 123 1382*, e-mail us at travelinsurancefeedback@postoffice.co.uk  or write to:

Post Office Travel Insurance
City Park
368 Alexander Parade
Glasgow
G31 3AU

Any written correspondence should be headed 'COMPLAINT' and you should include copies of supporting material.

If your policy number starts with TC:

If your complaint relates to a claim, or assistance you received whilst travelling, please email quality@intana-assist.com or write to:

Quality Department
Intana
Sussex House
Perrymount Road
Haywards Heath
RH16 1DN

If your policy number starts with TT:

If you would like to complain about the outcome of your claim or assistance provided please forward details of your complaint in the first instance as follows. Please write to:

The Quality and Improvements Manager,
URV,
1 Tower View, 
Kings Hill, 
West Malling, 
Kent, 
ME19 4UY

Telephone: 0203 829 6604
Email: complaints@tifgroup.co.uk

We will aim to provide you with a full response within four weeks of the date we receive your complaint and our response will be our final decision based on the evidence presented. If for any reason there is a delay in completing our investigations, we will explain why and tell you when we hope to reach a decision.

In any event, should you remain dissatisfied or fail to receive a final answer within eight weeks of us receiving your complaint, you may have the right to refer your complaint to an independent authority for consideration. That authority is the Financial Ombudsman Service (FOS) at:

Exchange Tower
Harbour Exchange Square
London
E14 9SR

Telephone: 0800 0234 567 or 0300 1239 123*
Email: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk

If your policy number starts with TE:

If your complaint is about a claim, please quote the claim number in all correspondence and telephone calls. In the first instance, we would encourage you to write to us and ask for your complaint to be investigated:

The Managing Director
ERV, Afon House, Worthing Road,
Horsham, West Sussex RH12 1TL, England
Email: contact@ervuk.com
Web: www.erv.co.uk

Flight Delay Assistance

What is Flight Delay Assistance?

It's a free and exclusive service for our Premier travel insurance customers. If your flight's delayed by two or more hours, you can enjoy complimentary access to a LoungeKey™ airport lounge courtesy of Post Office® Travel Insurance.

Just register online at least 24 hours before your scheduled departure time and we'll automatically contact you with details of how to access the lounge if your flight's delayed by two or more hours. Please see our Terms of Use.

Please note: Your free lounge access will become available on the announcement of a minimum two-hour delay. This can be announced either as one single period of delay or the minimum limit can be reached as a consequence of multiple incremental shorter delays - this means you'll have enough time to enjoy the lounge facilities.

How do I register a flight?

We'll send you an email with details of how to register online as soon as you've purchased your Premier travel insurance. If you arranged your travel insurance policy in a Post Office branch or don't have an email address, all the information you need will be in your policy confirmation pack.

You can only register your flight via the special link provided to you.

Can all flights be registered?

You can register any direct flight departing from an airport with a lounge that's part of the LoungeKey network – there are over 1000 of them in around 300 airports across 100 countries.

If your trip includes multiple flights, you'll need to register each flight leg separately at least 24 hours in advance of its scheduled departure time.

Not every airport has a lounge and the registration system will flag up if there isn't one at the terminal you're flying from.

Can I register more than one person?

Yes, you can include up to four additional passengers who are named on your travel insurance policy when you register. Make sure the names you register match exactly those included on your flight booking or boarding pass.

Why has my flight registration failed?

There are two reasons why registration may fail:

  • You're attempting to register less than 24 hours prior to your scheduled departure
  • There's no LoungeKey lounge at the airport terminal you're flying from

How will I know when free lounge access is available to me?

We'll send you an SMS text message and an email with a PDF voucher – so you'll need a mobile device that can accept these. To enjoy free access to the LoungeKey lounge:

  • You must register the flight online at least 24 hours in advance of its scheduled departure
  • There must be an announcement about a minimum two-hour delay. This can either be a singular two-hour delay or as an accumulation of multiple shorter delays.
  • There needs to be a LoungeKey airport lounge available at the terminal you're flying from

How will I receive free LoungeKey access?

You'll need a mobile device that can receive SMS text messages and emails with PDF attachments. If your flight's delayed by a minimum of two hours, we'll automatically send you:

  • A text message notification
  • An email with a PDF attachment containing your complimentary LoungeKey voucher. We'll also send you additional emails with vouchers for the other passengers you registered.


Please see our Terms of Use.

How do I find the lounge at the airport?

We'll let you know how to locate your lounge when we email your access information. The voucher itself will also contain a link to lounge finder and access information.

Why haven't I received my airport lounge access email, even though I'm entitled to it?

On very rare occasions, a network problem or other systems issue may prevent us sending or you receiving emails.

How can I find out about lounge policies and other services?

Although lounges at different airports have their own policies and services, most have free WiFi. Discover more about the lounge at your departure airport.

Please see our Terms of Use.

Are children welcome in the lounges?

Not all lounges are open to younger passengers. You can check out the lounge policies at your departure airport.

Why can't I gain access to a lounge?

There are a number of reasons why you might not be able to access a lounge – even if you have a valid voucher:

  • If the lounge is closed when the delay occurs – during the night, for instance
  • If the lounge is at full capacity
  • If the passenger names on the boarding passes don't exactly match those on the LoungeKey voucher
  • If you or a member of your group doesn't meet the lounge terms and conditions such as dress code or minimum age

Can I cancel a flight registration?

Yes, you can cancel a flight registration up to two hours before your scheduled departure time.

You can also change the details of a flight you've registered by cancelling and re-registering. But you won't be able to register flights if you're flying within 24 hours. You can find details of how to cancel or re-register online in your original flight registration email confirmation.

Gadget Cover

What is Gadget Cover on a Travel Insurance policy?

Gadget Cover is an optional add on which is an extension to the existing bagagge cover you will receive when you take out your policy. You could also add it to your policy as a mid-term adjustment if required.

Gadget Cover extension covers Mobile/smart phones, tablet computers, laptops, computers, smart watches, satellite navigation systems (GPS), Personal Digital Assistants (PDAs), drones, games consoles (including handheld consoles) and all accessories for these items, wearable activity trackers. (See the Policy Wording for full terms).

Do you cover mobile or smart phones within a Travel Insurance policy?

Our Travel Insurance policy covers mobiles/smart phones under the personal possessions section as details below for each level of cover;

For Collinson policies (Policy numbers starting with TC):

Economy

Up to £100

Standard

Up to £100

Premier

Up to £100

 

For ERV policies (Policy numbers starting with TE):

Lite

Up to £100

Prime

Up to £100

Elite

Up to £100


You could also cover your phone by adding our Gadget Cover extension to your policy for an extra premium. This also covers your laptop, tablet computer, mobile phone and other gadgets with up to £1,000 protection in the case of theft, damage or loss while on your trip. (N.B. This benefit is per policy and not per person).

What gadgets do you cover within the Gadget Cover extension?

Mobile/smart phones, tablet computers, laptops, computers, smart watches, satellite navigation systems (GPS), Personal Digital Assistants (PDAs), drones, games consoles (including handheld consoles) and all accessories for these items, wearable activity trackers.

Does the Gadget Cover extension on a Travel Insurance policy cover each person?

Adding the Gadget Cover extension is a benefit per policy, not per person.

Small print

* Calls to 03 numbers will cost no more than calling a standard geographic number starting with 01 or 02 from your fixed line or mobile and may be included in your call package dependent on your service provider. Calls may be monitored or recorded for training and compliance purposes.

† Post Office has won Bronze in the 'Best Travel Insurance Provider' category at the British Travel Awards 2019.

Post Office® Travel Insurance is arranged by Post Office Limited and Post Office Management Services Limited. 

Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: Finsbury Dials, 20 Finsbury Street, London EC2Y 9AQ. Post Office and the Post Office logo are registered trademarks of Post Office Limited.

For Economy, Standard and Premier Policies
 
Post Office® Travel Insurance is underwritten by Great Lakes Insurance SE, UK Branch, and administered by Collinson Insurance Services Limited, FRN 311883.

Great Lakes Insurance SE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. Registered number of HRB 230378 in the commercial register. UK Branch office: Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ. Great Lakes Insurance SE, UK Branch, is authorised by Bundesanstalt für Finanzdienstleistungsaufsicht and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority under FRN 769884. Details about the extent of its regulation by the Financial Conduct Authority and Prudential Regulation Authority is available on request.

Collinson Insurance Services Limited is registered in England & Wales, registered number 758979. Registered Office: Cutlers Exchange, 123 Houndsditch, London, EC3A 7BU. Collinson Insurance Services Limited is authorised and regulated by the Financial Conduct Authority, FRN 311883.

For Lite, Prime and Elite Policies

Post Office® Travel Insurance is underwritten by ERGO Travel Insurance Services Ltd (ETI) on behalf of Great Lakes Insurance SE (GLISE). GLISE is a German insurance company with its UK Branch office at Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ, company number SE000083. GLISE, UK Branch, is authorised by Bundesanstalt für Finanzdienstleistungsaufsicht and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority: register number 769884.

ETI is registered in the UK, company number 11091555. Registered office: Plantation Place, 30 Fenchurch Street London, EC3M 3AJ. Authorised and regulated by the Financial Conduct Authority, register number 805870.

Details about the extent of GLISE’s authorisation and regulation by the Prudential Regulation Authority, and regulation by the Financial Conduct Authority are available on request

The above details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).
 

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