Sarah - in most circumstances, you'll be insured for everything apart from anything to do with your thumb 
Best to check it out though.
Best to check it out though.
Hmm I think it may depend on when you took out the insurance Sarah . If you took it out before you broke your thumb you may still be covered for any problems with it whilst away , providing you have told them .
It's certainly best to check.
It's certainly best to check.
The important thing here is did he note the declaration?
The industry does have a reputation for trying it on by linking medical conditions but I don't think they've ever tried to cross policy sections and link illness to theft so I wouldn't worry about that!
What normally happens is that someone has something like odd dizzy spells, one day he just slips and breaks his leg, the insurance says "ah, we think you went dizzy which is why you slipped so we're not paying". Man can't prove he didn't go dizzy, insurers say they have reasonable doubt and it all ends in tears.
What we need to consider is whether any ME symptons could be dragged into an argument along those lines. Would they dare say something like "if you'd been more alert and concentrating that accident wouldn't have happened so we think the ME is partly responsible"? And if they did, would NatWest risk the bad publicity? I'd guess they subcontract the insurance but it's still got their name on it and any bad publicity would link back to the current account business. With a simple insurance policy the insurers will assume that if they annoy you they'll lose next years £30 worth of business. But when it's linked to an ongoing bank account it gets more complicated and swings in the customers favour. Most sane people would close the account (and all other business they did there) if the bank's linked insurance let them down, thus causing a longer term loss for the bank and I suspect the banks bear this in mind.
The important thing here is did he note the declaration?
The industry does have a reputation for trying it on by linking medical conditions but I don't think they've ever tried to cross policy sections and link illness to theft so I wouldn't worry about that!
What normally happens is that someone has something like odd dizzy spells, one day he just slips and breaks his leg, the insurance says "ah, we think you went dizzy which is why you slipped so we're not paying". Man can't prove he didn't go dizzy, insurers say they have reasonable doubt and it all ends in tears.
What we need to consider is whether any ME symptons could be dragged into an argument along those lines. Would they dare say something like "if you'd been more alert and concentrating that accident wouldn't have happened so we think the ME is partly responsible"? And if they did, would NatWest risk the bad publicity? I'd guess they subcontract the insurance but it's still got their name on it and any bad publicity would link back to the current account business. With a simple insurance policy the insurers will assume that if they annoy you they'll lose next years £30 worth of business. But when it's linked to an ongoing bank account it gets more complicated and swings in the customers favour. Most sane people would close the account (and all other business they did there) if the bank's linked insurance let them down, thus causing a longer term loss for the bank and I suspect the banks bear this in mind.
Thanks for your help. I think I'm going to cancel the account upgrade as I don't think it's actually as good as they sold it to me as and take out single trip insurance being fully covered for my ME. As you say, they could take something like me falling over and saying it was because I was weaker because of it or on medication that can make you drowsy. I don't want to take the risk of them not paying out for anything I need as I know that they can take any excuse not to!
x
Quick update, read through Insurance documents, and couldn't make head nor tail of it, must be a thicko, hahaha, so phoned them up, because son done damage after we had already took insurance out, thankfully he is covered, insurance just made a note of injury and gave me an extra policy number 
Rachel
Your case is a bit borderline and the account insurance may have been OK but if you do cancel the account upgrade because of the doubt write to them and let them know why you did it. There's a feint chance someone may spot they lost business simply by having vague T&Cs and fix the fault in the future.
Your case is a bit borderline and the account insurance may have been OK but if you do cancel the account upgrade because of the doubt write to them and let them know why you did it. There's a feint chance someone may spot they lost business simply by having vague T&Cs and fix the fault in the future.
Phoned my insurance company and yes, much the same as Roo. Because injury occured after I took out my policy I am still covered. A note has been made on the system and I can relax :sun2. Mind you, talk about customer services not knowing what they were talking about, the chap didnt have the foggiest what I was on about and I ended up having to speak to a manager 
Does anyone have any recommendation for a insurance company, with good cover against flights and holiday being canceled due the the Volcanic ash clouds
I dont like the fact this is happening right at the beginning of the summer holiday season, and come July I hope flights arent cancelled, and the fact Im flying with ryanair dosent help, as they seem to be wriggling out of paying for any compensation for flights being cancelled
If my holiday got cancelled at least I could use my claim to book for next year
I dont like the fact this is happening right at the beginning of the summer holiday season, and come July I hope flights arent cancelled, and the fact Im flying with ryanair dosent help, as they seem to be wriggling out of paying for any compensation for flights being cancelled
If my holiday got cancelled at least I could use my claim to book for next year
Direct Travel have an option to take cover for Natural Catastrophes. It was an additional £40 on an annual worldwide policy. However if you take it out at the moment they will deduct 75% for any claims made in the first 7 days.
luci
luci
Handy to know that but does the small print have any exclusions about the things airlines are supposed to pay for? If so it wouldn't really help. There is a sort of precedent - most policies exclude health care costs in Europe that would have been covered by an EHIC.
I phoned Direct Travel Insurance to renew my policy today but they no longer include Egypt and Tunisia as part of a European policy.
They still include Turkey so maybe its something to do with the recent troubles in the former two.
They will include them as part of a Worldwide policy but I dont want to go to the extra expense.
I want to warn anyone who have previously had these 2 counties included to check with their insurance company.
They still include Turkey so maybe its something to do with the recent troubles in the former two.
They will include them as part of a Worldwide policy but I dont want to go to the extra expense.
I want to warn anyone who have previously had these 2 counties included to check with their insurance company.
Just to echo what Jay Trip has mentioned Egypt & Tunisia along with some other North African countries are a bit of a grey area, some insurance companies will class them as Europe while others class them as a Worldwide destination so please always check and shop around if you want them included as part of a Europe only policy.
To clarify this a bit further Jay Trip's insurance conditions changed AFTER it was purchased and she was never informed of these changes, so if you do have a policy covering Europe and are travelling to a country in North Africa please ensure that you are still insured.
To clarify this a bit further Jay Trip's insurance conditions changed AFTER it was purchased and she was never informed of these changes, so if you do have a policy covering Europe and are travelling to a country in North Africa please ensure that you are still insured.
I am just glad that when I went to Tunisia in March I did not need any assistance from my Travel insurance. 
I also went to Egypt in December but this was before the troubles so was hopefully was insured for that holiday.
I also went to Egypt in December but this was before the troubles so was hopefully was insured for that holiday.
Hi wonder if anyone can help me I'm just about to do our travel insurance and was just putting in our ages when I suddenly realize what age to I put for my daughter she is 7 at the mo but while we are away she turns 8 so do I but 7 or 8
Thanks xx
Thanks xx
You always put the age on the date that the policy is taken out, so put seven.
Thank you I thought that but just wanted to be sure xxx
Thought I would post my experience of having to make a claim. We had booked two holidays for this year and had taken out annual travel insurance with Aviva. Unfortunatly nine days before we were due to fly out to Cyprus, hubby had a heart attack. Phoned Aviva and they duly sent out a claim form which we filled in and sent back with all the documents they requested and the whole thing was sorted out within a week. The cost of both holidays were refunded minus the excess. They were very, very good and I would recommended them.
Because we still have annual insurance with them, they said we were still covered for everything else except his heart attack. All being well I'm hoping to book a holiday later on this year My question is that when looking for an insurance company that will cover him do I have to be insured with the same company too when I already have cover with the annual insurance from Aviva and what would happen if I had to make a claim?
Jane
Phoned Aviva and they duly sent out a claim form which we filled in and sent back with all the documents they requested and the whole thing was sorted out within a week. The cost of both holidays were refunded minus the excess. They were very, very good and I would recommended them. Because we still have annual insurance with them, they said we were still covered for everything else except his heart attack. All being well I'm hoping to book a holiday later on this year
My question is that when looking for an insurance company that will cover him do I have to be insured with the same company too when I already have cover with the annual insurance from Aviva and what would happen if I had to make a claim? Jane
good question.
If Aviva say the annual policy won't cover anything related to his heart condition (and it could be anything, say he was hit by a moped and needed extra/different care or transport on top of normal treatment because of his exisiting condition) then ask if they would cover it at an extra premium. You need a couple of quotes so it's worth starting there. If they seem reasonable it would make life simpler.
If you go to another company make it clear that you only want cover for the condition that the annual policy won't cover. This isn't just a price issue. Most insurance policies normally have a clause about restricting cover for things insured elsewhere, if the second policy was a full travel policy beefed up and you had to claim for theft of luggage they could start arguing and trying to split the claim. But if the extra policy only covered the existing health condition there couldn't be any argument about who was covering the luggage (actually they might, there's your home contents policy to consider!).
If you go to the European countries covered by the EHIC it's worth checking the rules. Exisiting conditions are normally only excluded if you are specifically travelling to get treatment but some countires have a rather bureaucratic system so if there's an increased chance of needing it you'd be wise to get organised and have rules, addresses and phone numbers written down.
If Aviva say the annual policy won't cover anything related to his heart condition (and it could be anything, say he was hit by a moped and needed extra/different care or transport on top of normal treatment because of his exisiting condition) then ask if they would cover it at an extra premium. You need a couple of quotes so it's worth starting there. If they seem reasonable it would make life simpler.
If you go to another company make it clear that you only want cover for the condition that the annual policy won't cover. This isn't just a price issue. Most insurance policies normally have a clause about restricting cover for things insured elsewhere, if the second policy was a full travel policy beefed up and you had to claim for theft of luggage they could start arguing and trying to split the claim. But if the extra policy only covered the existing health condition there couldn't be any argument about who was covering the luggage (actually they might, there's your home contents policy to consider!).
If you go to the European countries covered by the EHIC it's worth checking the rules. Exisiting conditions are normally only excluded if you are specifically travelling to get treatment but some countires have a rather bureaucratic system so if there's an increased chance of needing it you'd be wise to get organised and have rules, addresses and phone numbers written down.
If you go to another company make it clear that you only want cover for the condition that the annual policy won't cover.
this is fine, in theory.
however, if you have to make a claim which company will be providing the cover?
it may be straight forward to you and i, but do you want any delay in getting treatment while the 2 insurance companies argue about the medical diagnosis: did the heart problem bring on the liver/kidney probem or vice-versa.
think it wont happen; just look at the number of people who do have problems getting a standard policy to pay out for anything.
in your position i would initially ask Aviva to price cover including heart related problems.
i would then get quotes for a new policy from others. depending on price i would then cancel the Aviva policy and go with a brand new policy, or stick with Aviva.
EHIC should cover you for any treatment in their "NHS" type hospital, including heart attacks etc, but in cyprus you will probably be sent straight to a private clinic especially if you get a doctor/ambulance through a hotel. that is when you really need straight forward insurance.
another issue is that because of past practices by some clinics in cyprus (and spain) the cost of additional insurance can be very high.
i was quoted £10,000 5 years ago for 10 days cover in spain if we wanted to include any cancer related illness.
whatever you do, just make 100% sure that you know exactly what you are getting before you go.
Many thanks for your help. I have taken your advice and have contacted Aviva today and asked them if they would insure his condition for an extra premium and they said No. 
I have to wait until the policy is up for renewal which is about Feb/March of next year. They have advised me to phone around and get a couple of quotes for him with another insurer and once I was happy with another quote, give them a ring and get him taken off the existing policy. Not too happy with this as this means two separate policies.
I than asked her what if I had to cancel the holiday because of my husbands ill health and she said that this would be covered. hmm..
I have to wait until the policy is up for renewal which is about Feb/March of next year. They have advised me to phone around and get a couple of quotes for him with another insurer and once I was happy with another quote, give them a ring and get him taken off the existing policy. Not too happy with this as this means two separate policies.I than asked her what if I had to cancel the holiday because of my husbands ill health and she said that this would be covered. hmm..
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