Frequently Asked Questions

WHAT IS SINGLE TRIP INSURANCE

This insurance policy gives UK and EU residents individual cover for one sole journey of a specified number of days.

Cover for individuals or families on the SuperCover policy is available for trips of up to a maximum of 59 days (45 days limit on winter sports) and offers a choice of Europe or Worldwide cover. For people aged 65 and under.

The Essential policy is available to UK residents (including Channel Islands and Isle of Man) only for a maximum of 31 days.

The Insure-All policy is available to EU and UK (including Channel Islands and Isle of Man) residents up to a maximum of 93 days.

Insure-All and Essential offer a choice of cover: -

• Your home country
• Europe
• Worldwide (excludes USA, Canada, Bermuda and the Caribbean)
• Worldwide (includes USA, Canada, Bermuda and the Caribbean)

WHAT IS ANNUAL MULTI-TRIP INSURANCE?

An insurance policy which gives cover for unlimited trips during a 12 month period.

Our SuperCover insurance policy gives cover for an unlimited number of business and leisure trips, 31, 62 or 93 days at a time Worldwide with cover available to individuals, couples, families all under the age of 66. Some pre-existing medical conditions accepted.

All persons on a SuperCover Annual policy can travel independently of each other.

Our Essential Annual policies offer UK residents a choice of Europe or Worldwide with unlimited trips of up to 45 days for people of up to age 74. Certain pre-existing medical conditions accepted.

Our Insure-All annual policy offers a choice of cover for Europe or Worldwide with unlimited trips of up to 93 days each trip. Offers cover for many pre-existing medical conditions.

WHAT IS BACKPACKER / GAP YEAR INSURANCE?

The Essential insurance policy gives UK residents individual cover for the 18-45 age group, either in Europe or Worldwide, for a continuous period away for up to 12 months. Ideal for the gap year traveller and offers cover for over 80 sporting activities such as scuba diving, winter sports and bungee jumping, some at additional cost. SuperCover is available to EU residents for up to12 months duration.

WHAT IS WINTER SPORTS INSURANCE?

The comprehensive SuperCover Winter Sports insurance policy gives individual and family cover for up to 45 days covering Europe or Worldwide. Age limit 65.

The Insure-All policy offers up to 93 days of cover to individuals and is available to those up to age 79.

The Essential Winter Sports insurance is limited to 31 days per policy for UK residents only with a maximum age of 65 years.

WHAT IS LONG STAY INSURANCE?

The Insure-All policy offers travel insurance for periods from 2 months to 12 months abroad in Europe, Australia and New Zealand or Worldwide. This is ideal for people of all ages planning long trips and especially for those people with holiday homes abroad.

ON AN ANNUAL FAMILY POLICY CAN CHILDREN TRAVEL ALONE?

Yes but only on SuperCover. On Essential and Insure-All policies children must always travel with one of the named partners.

WHAT IS THE DEFINITION OF A COUPLE?

A couple is any two people of any gender living together at the same address.

CAN I UPGRADE A POLICY ONCE ISSUED?

Yes, this is possible. If for instance, you have an Annual policy for 31 days per trip and you wish to upgrade to 60 days per trip, you would be asked to pay the price difference plus a service charge.

WHAT DOES 'HOME COUNTRY' MEAN AS A DESTINATION?

If you select 'Your Home Country' as your destination it means that your travel insurance policy will be priced for travel within your country of residence. If you live in the United Kingdom or the Republic of Ireland, we have made special arrangements for ‘Home Country’ to include England, Scotland, Wales, Northern Ireland, Isle of Man, Channel Islands and the Republic of Ireland.

I LIVE IN FRANCE - CAN I TAKE OUT MRL SUPERCOVER TRAVEL INSURANCE?

Yes. Both SuperCover and Insure-All travel insurance policies (except Long Stay) are available to all residents of any EU country. The Essential travel insurance is available to UK residents only.

IS OFF-PISTE SKIING COVERED?

Yes, with SuperCover winter sports cover we include off-piste skiing also snow boarding, snowmobile, and sledging.

The Essential and Insure-All policies cover cross country skiing (Nordic skiing), mono-skiing, off-piste skiing or snow boarding only when accompanied by a local qualified guide, skiing and snow boarding.

ARE OTHER SPORTING AND HAZARDOUS ACTIVITIES COVERED?

The MRL SuperCover travel insurance covers over 80 sporting activities. The Insure-All policy covers regular holiday leisure activities including scuba diving.

The Essential policy covers over 60 activities including camel riding, water skiing and scuba diving down to 30 metres if qualified and not diving alone.

WHAT IS AN EXCESS?

This is the amount that the insurer will deduct from your claim payment under specific sections of the terms of the insurance policy at the time of finalising an agreed claim. See the cover details for your chosen policy for details. An excess waiver is offered on Essential Plus Superior and as an option on all Insure-All policies, except Long Stay.

HOW DO I MAKE A CLAIM?

Just read the policy document to find the details of the claims office and phone number. Proof of loss and purchase/ownership of lost items will be needed to progress your claim. Medical emergencies can be handled by contacting the relevant service at the time of a medical emergency at which time often payment will be made direct to the medical services.

ARE PRE-EXISTING MEDICAL CONDITIONS COVERED?

The Insure-All travel policies include cover for most pre-existing medical conditions. For people with pre-existing conditions there may be a higher premium and/or excess covering certain conditions and in some instances we can offer cover for all sections of the Insure-All travel policy but have to exclude cover for a limited number of severe medical conditions. The SuperCover travel policy offers cover for some pre-existing medical conditions whilst the Essential policy will cover just a few pre-existing conditions. Click on the links below for details:

• Pre-existing medical conditions covered by Insure-All
• Pre-existing medical conditions covered by SuperCover
• Pre-existing medical conditions covered by Essential

HOW DOES AGE GOVERN PRICES AND COVER?

MRL obtains rates and cover details from leading underwriters who look at past annual industry wide statistics to see from where the claims have come. In general, the older the age group, the higher the claims paid out so prices and excess levels reflect this performance.

UP TO WHAT AGE ARE THE MRLTRAVEL POLICIES AVAILABLE?

• MRL SuperCover Annual, Single Trip and Winter Sports up to age 65
• MRL SuperCover Gap Year up to age 44
• MRL Insure-All Annual up to age 79
• MRL Insure-All Single trip up to age 89
• MRL Insure-All Long Stay up to age 74 (75-89 year olds, maximum of three months away)
• MRL Essential Annual up to age 74
• MRL Essential Single Trip up to age 74
• MRL Essential BackPackers up to age 45

BAGGAGE COVER - DO I NEED IT?

The Essential and Insure-All policies offer you a choice. Many people already have their personal effects covered on an 'all-risks' part of their home and contents insurance. The SuperCover policy automatically covers baggage. However, in all cases expensive and valuable items should be covered under your household policy - go to our home and contents section or call us on 0845 676 0698.

TERRORISM – IS IT COVERED?

You would be covered for medical expenses and personal accident should you be injured due to an act of war or terrorism but theft is not covered for baggage or cancellation in such circumstances.

CHARGE FOR SENDING POLICY DOCUMENTS BY POST

We will send your policy documents by email. However if you wish to also receive the documents by post there is a charge of £2.50.