Frequently Asked Questions
WHAT IS SINGLE TRIP INSURANCE?
Single Trip insurance gives cover for one sole journey of a specified number of days.
The Standard policiy is available to UK residents (including Channel Islands and Isle of Man) only for a maximum of 365 days.
The SuperCover policy is available for trips of up to a maximum of 18 months and offers a choice of Europe or Worldwide cover. For UK and EU residents aged 65 and under.
The Insure-All policy is available to EU and UK (including Channel Islands and Isle of Man) residents up to a maximum of 18 months. The Insure-All policy offers cover for most pre-existing medical conditions with NO extra charges and NO higher excesses.
WHAT IS ANNUAL MULTI-TRIP INSURANCE?
An insurance policy which gives cover for unlimited trips during a 12 month period.
All persons on an Annual Multi-trip policy can travel independently of each other
Our SuperCover insurance policy gives cover for an unlimited number of Worldwide business and leisure trips, 31, 62 or 93 days at a time (must not exceed 183 days in total) with cover available to individuals, couples, families all under the age of 66. Some pre-existing medical conditions covered.
Our Standard Cover Annual policy offers trips of up to 31 days for people of up to age 79. No pre-existing medical conditions covered.
Our Insure-All annual policy offers a choice of cover for Europe or Worldwide with unlimited trips of up to 93 days each trip (must not exceed 183 days in total) for people up to age 65 and up to 31 days for people aged up to 79. Offers cover for many pre-existing medical conditions.
WHAT IS BACKPACKER / GAP YEAR INSURANCE?
BackPacker/Gap Year insurance gives cover for the 18 - 45 age group for a single continuous period away of up to 12 months. Ideal for gap year travellers. Available on our Standard and SuperCover policies.
WHAT IS WINTER SPORTS INSURANCE?
Winter Sports insurance gives travel and medical cover when you are away skiing or snowboarding. Other winter sports may also be covered, please refer to your policy wording for a full list of covered activities
Our comprehensive SuperCover policies give cover up to age 65.
The Insure-All policy can offer winter sports cover up to age 79 (65 - 79 European cover only providing you have no pre-existing medical conditions).
The Standard policy offers Winter sports cover for those under the age of 65.
IS OFF-PISTE SKIING COVERED?
Yes (within local ski patrol guidelines), with our SuperCover, Insure-All and Standard policies only.
ON AN ANNUAL FAMILY POLICY CAN CHILDREN TRAVEL ALONE?
Yes but only on SuperCover, Standard and Insure-All.
WHAT IS THE DEFINITION OF A FAMILY?
On our Insure-All and Supercover policies a family is defined as:
The main Insured person, his/her spouse or Common Law Partner, and their dependent children under 24 years of age (in full-time education and residing with them).
On our Standard policy the definition is:
The main Insured person, his/her spouse or Common Law Partner, and their dependent children under 18 years of age (in full-time education and residing with them).
WHAT IS THE DEFINITION OF A COUPLE?
A couple is any two people of any gender living together at the same address, for more than 6 months.
I AM OVER 80, CAN YOU COVER ME?
Yes, on our Insure-All policy but only for single trips up to 31 days (Europe) or 24 days (Worldwide including USA & Canada) per trip with NO cover for any pre-existing medical conditions.
I LIVE IN FRANCE - CAN I BUY MRL TRAVEL INSURANCE?
Yes. Both SuperCover and Insure-All travel insurance policies are available to all residents of any EU country no matter what nationality. The Standard policies are available to UK residents only.
CAN I UPGRADE A POLICY ONCE ISSUED?
Yes, this is possible subject to no claims pending. If for instance, you have an Annual policy for 31 days per trip and you wish to upgrade to 62 days per trip, you would be asked to pay the price difference plus a service charge. Call us on 0871 230 6406.
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.
ARE SPORTING AND HAZARDOUS ACTIVITIES COVERED?
All our policies cover some hazardous activities such as water skiing and scuba diving. See individual policies for a full list.
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 that removes all excess charges is offered on some policies for a small extra fee.
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 MANY pre-existing medical conditions.
The SuperCover travel policy offers cover for some pre-existing medical conditions.
The Standard policy does not cover any pre-existing medical conditions.
For more details click on the links below:
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 MRL TRAVEL POLICIES AVAILABLE?
| Cover |
Policy |
Age Limit up to |
| Annual |
SuperCover |
65 |
| Insure-All |
79 |
| Standard |
79 |
| Single Trip |
SuperCover |
65 |
| Insure-All |
89 |
| Standard |
79 |
| BackPackers |
SuperCover |
45 |
| Standard |
45 |
| Ski & Winter Sports |
SuperCover |
65 |
| Insure-All |
79* |
| Standard |
64 |
| Long Stay Single Trip |
Standard |
79 |
* If over 64 - Europe only (providing you have no pre-existing medical conditions)
BAGGAGE COVER - DO I NEED IT?
The Insure-All And Standard 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 - please check with your household insurers.
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 no other cover applies
CAN I CONTACT YOU BY PHONE?
Our Travel Insurance Help-Desk is available Monday - Friday 8.30am - 6pm and Saturday 9am - 1pm on 0871 230 6406 or from abroad 00 44 871 230 6406.
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 small handling charge.
MRL Insurance Direct is a trading style of Rock Insurance Services Limited who is authorised and regulated by the Financial Services Authority (FSA No. 300317)