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Regulated by the Financial Services Authority Frequently Asked Questions

FAQ

• What do I need before I proceed?
• Can I be sure the policies on offer are genuine?
• Will I be able to buy my policy online?
• Are my credit card details safe?
• Will you post me anything to confirm the insurance?
• Can I extend my cover whilst abroad?
• Motor cycle riding - am I insured whist riding a motor cycle?
• Is Scuba Diving covered?
• Am I covered for activities such as water sports, white water rafting and other pursuits?
• Are personal possessions covered for loss whilst kept in my car?
• Are my spectacles covered under valuables for loss of damage?
• Will I receive junk mail for other products?

Company Statement

We have tried to make this site as simple and easy to use as possible, for those of you who have never bought online before we hope you will take those tentative first steps to becoming a 'cyber buyer' with Annual Travel.

We aim to make this a delightful experience and welcome your comments and suggestions to congratulate us or to make comments so as to improve our site. Please use Contact Us to tell us your thoughts and what more you would like us to do for you.

Annual Travel have been offering travel insurance via the web and launched our first web site in February 1996. We were probably one of the first UK companies to have an internet presence promoting travel insurance at such low cost and have been used as example by others. The site remained unchanged for almost 5 years until we launched the annualtravel.com site on 1^st of January 2001 and PHATravel.com on 1^st June 2001. After extensive research, and 5 years' experience which is rare in this new industry and careful planning we believe this site is our best yet and brings the traveller the very best value for money insurance at our lowest prices.

WHY buying travel insurance from Annual Travel is EASY

• You obtain a quote within seconds and unlike many other sites you are not asked loads of personal data questions beforehand.
• When you purchase your credit card information is safely encrypted via a secure payment server and you are returned to our site to see your unique certificate created before your very eyes.
• You can print out your insurance certificate and policy wording all within minutes. So you can go away with everything you need.

How can we offer such low prices?
We offer products from selected insurers who we believe provide the most comprehensive travel insurance products at the most competitive prices. We have offered a very generous £2/£5/€10 discount for online purchase to encourage as many of you as possible to buy online to help us to keep the process streamlined and to be able to continue to offer low prices. We do need your support however to Tell-A-Friend as we need to spread the word if we are to keep our prices low.

Please tell everyone to come to Annual Travel for travel insurance as at these prices you would be foolish not to protect your health.

Some of Your Frequently Asked Questions

What do I need to do before I proceed?

All you need is the following

• Dates of travel
• Dates of birth for all insured
• A printer that is connected to your computer
    (it is not advisable to book online via Web TV unless you have the ability to print what is on your screen)

Make sure you have sufficient paper in the printer and toner and it is switched on
You will need a credit or debit card, we regret we do not take AMEX or Diners cards

All you need now is a holiday....

Can I be sure the policies on offer are genuine?

YES

You can be assured that the policies on offer are supported by respectable and very experienced 24 hr assistance companies and underwritten by reputable carriers.
Your contract of insurance is directly with the insurance company who provide a complaints procedure and comply to the Financial Services Authority regulations in the unlikely event of a dispute.

Will I be able to buy my policy online?

YES

You can, and if you follow the 4 simple steps and within 4 minutes you will obtain a personalised certificate with a unique policy number, emergency telephone numbers, the details of cover and policy wording all on your own printer. This constitutes a legal document and is your proof of insurance.

4 Simple steps to obtain your policy online within 4 minutes

• Quotation - Premium Calculator [15 seconds]
• Online Application - Check Details [3 mins]
• Enter Credit/ Debit Card [15 seconds]
• Print Out Certificate [30 seconds]

Are my credit card details safe?

YES

We do not store your card details on our site and use a secure encrypted bank approved server [Secpay] to verify your card to enable the generation of your unique certificate. This means that your credit card details are safe from prying eyes.

Will you post me anything to confirm the insurance?

NO

There is no need for us to post anything as you will obtain your policy documents on your printer, this is why we are giving you a discount for online purchase, as we save on administration costs, paperwork and postage. You have everything you need to travel.

Can I extend my cover whilst abroad?

NO

You cannot extend cover past the 12 months but you can of course re-new it.

Hazardous Activities

Motor Cycle riding - am I insured whilst riding a motor cycle?

NO

We regret you will not be insured for any loss of property or damage or personal injury whilst riding on a motor cycle as a rider or passenger. Please note, if you hire a motor bike whilst on holiday you should take out comprehensive insurance at the time of hire.

Is Scuba Diving covered?

YES

Up to 30 metres with all policies. See High Risk list for a detailed list of activities

Am I covered for activities such as water sports, white water rafting and other persuits?

Each policy will permit you to partake in a range of hazardous activities providing it is not the sole purpose of your trip. Many activities arew included as standard and some are excluded so please ensure you check the "High Risk" list of hazardous activities on the quote or application page.

Are personal possessions covered for loss whilst kept in my Car?

NO

We regret personal possessions are not covered whilst in a vehicle whether locked or otherwise.

Are my spectacles covered under valuables for loss or damage?

NO

We regret they are NOT covered due to the high degree of claims in the past it is not possible to accept any claims for Spectacle or designer Sunglasses.

Will I receive junk mail for other products?

NO

We do not send you unsolicited mail neither do we pass on your details to a third party see privacy statement.