FAQs

Yes, provided you are not traveling against doctor's advice. No cover is given under Sections 1, 2, 3, 4, 5 and 6 of this policy in respect of any claim arising from pregnancy within 8 weeks (or 16 weeks in the case of a known multiple pregnancy) of the estimated date of delivery. Please refer to the terms and conditions.

Most sections of the policy carry an Excess. This is the first amount of any claim that you will have to pay. The amount may vary depending on the level of cover you have chosen. It is applicable per person per section. The Excess will be reduced to NIL if you have used a EHIC (Formally E111) to reduce your medical expenses bill or paid the Excess Waiver premium. The European Health Insurance Card (EHIC) can be used to cover any necessary medical treatment due to either an accident or illness within the European Economic Area (EEA). The EHIC entitles the holder to state-provided medical treatment within the country they are visiting and the service provided will be the same as received by a person covered by the country's 'insured' medical scheme.

The EHIC is the replacement for the E111. As of 1 January 2006, E111s are not valid.

How to Apply for the EHIC:

• At the Post Office® - Takes 21 Days - You can collect an application form and post it yourself or you can use the Post Office® Check & Send service, where they will check the application form and post the form off for you. This service offers the convenience, ease and reassurance that the form is completed correctly and the charge is £2 per application form. Your application should be processed within 21 days.
• By Telephone - Takes 10 Days - You can telephone the NHSBSA EHIC Application Line on 0845 606 2030. Your application should be processed within 10 days.
• Online - Takes 7 Days - You can use the NHSBSA website which can be found at https://www.ehic.org.uk/Internet/home.do to apply yourself or you can use the Portcreek EHIC Review and Forward service on this website. This service means that you will have the reassurance that all of your details have been checked by us for common mistakes made during applications and that we will contact you directly should we believe there will be any problems with your application which could delay it's processing. Your application will then be submitted to the NHSBSA by Portcreek on your behalf. The charge is £9.95 per application. Your application should be processed within 7 days.

1. Any past or current Medical Condition that has given rise to symptoms or for which any form of treatment or prescribed medication, medical consultation, investigation or follow up/check-up has been required or received during the 2 years prior to the commencement of cover under the policy and/or prior to any Trip and
2. any cardiovascular or circulatory condition (e.g. heart condition, hypertension, blood clots, raised cholesterol, stroke, aneurysm) that has occurred at any time prior to the commencement of cover under the policy and/or prior to any Trip
This policy will not cover any claims under Section 1 (Medical Emergency & Repatriation) or Section 5 (Cancellation & Curtailment) arising directly or indirectly from a Pre-existing Medical Condition.

To Claim, phone Our Claims Helpline on 0844 412 4296 and ask for a claim form. All claims must be submitted on a claim form, within 28 days of your return, accompanied by original invoices, receipts, reports, etc. Please refer to the relevant Section of your policy for specific conditions and details of the supporting evidence that Fortis require. Please remember that it is always advisable to retain copies of all documents when submitting your claim.

Any number of dependant children (including foster children) under the age of 18. (In full-time education and residing with you).

It is important that you read the policy carefully and agree to all the Terms and Conditions to make sure that the cover provided is suitable for you. The Terms and Conditions are on the right hand side of this page.

Provided you have paid the Winter Sports extension, you are covered for: ski equipment, piste closure, avalanche cover, ski hire, ski pack costs up to the limits shown on the schedule of benefits. Activities covered are:
Big foot skiing
Cat skiing
Cross country skiing
Glacier skiing
Mono skiing
Off-piste skiing or snow-boarding (within local ski patrol guidelines)
Skiing
Sledging / Tobogganing
Snow-blading
Snow-boarding
Tobogganing / Sledging
The following Winter Sports are not covered under any circumstances:
Heli-skiing / Heli-Boarding
Luging / Bobsleigh
Ski acrobatics
Ski jumping
Ski racing

Please notify us immediately about any serious illness or accident abroad where you have to go into hospital or you may have to return home early or extend your stay (You should first check that the circumstances are covered by Your policy). Please contact us on the number shown below, giving Your name and Certificate number, please also provide a telephone, fax or telex number where we can contact You or leave messages at any time of the day or night.
To comply with the terms and conditions of the insurance You MUST contact us as soon as possible. You MUST obtain authorisation before incurring any expenses over £500. If you have treatment as an outpatient you must get a medical certificate showing the nature of the injury/illness and keep any original bills, which you have paid. You can submit a claim for these expenses on your return to the UK (please refer to Q4 "How do I make a claim?").

Each adult can travel independently, however, children must travel with an insured adult.

The policy lasts for the complete 12 months, and you can take as many trips/holidays as you wish during the year. Any individual trip or holiday must not last longer than 21 days. If a trip is for a longer period you will need to purchase a Single Trip policy for that particular trip. Winter Sports cover, for a maximum of 17 days in total for the whole year and Business Cover, for a maximum of 30 days in total for the whole year, are available at an additional premium. Please contact Protect Your Bubble on 0844 412 4296

Premier cover offers wider coverage & higher sums insured than Economy or Standard with lower Excesses. Premier Plus has our highest level of cover and doesn’t have any excesses.

Your policy can be emailed directly to your email address shortly after being issued, please note that some internet providers filter our automated e-mails as SPAM so please check your SPAM/junk folder if the e-mail has not been received. Alternatively your documents can be delivered by post.

No Section of this policy shall apply in respect of any person who has reached the age of 55 years at the commencement of the Period of Insurance for Single Trip or Annual Muli-trip policies contact Protect Your Bubble on 0844 412 4296. 

You need to live in the UK (Great Britain, Northern Ireland, the Isle of Man and the Channel Islands) and have not spent more than 6 months abroad in the year prior to purchasing the policy. If you are outside this limit then please contact Protect Your Bubble on 0844 412 4296

Scuba diving to a depth of 30 metres if you hold a certificate of proficiency or are diving with a qualified instructor. The policy can be upgraded to include scuba diving to a depth of 50 meters for an additional premium.

Single Trip policies up to 31 days in duration:
Annual Multi Trip policies with maximum trip duration of 31 days.
Optional covers for Winter Sports, Golf and Business Travel
Economy, Standard, Premier and Premier Plus levels of cover.

We accept Visa, MasterCard, Maestro/Switch, Solo, Visa Electron and Delta. We are currently not able to accept American Express.

We are only able to accept cheques for policies over the value of £100. The policy will be set up when the cheque has been cleared through our bank. Please contact Protect Your Bubble on 0844 412 4296

You must report theft or losses to the police or relevant authority within 24 hours of the event and obtain a written report. These reports are the only proof that the loss/theft did actually occur. Without them Fortis cannot make any payment to you. If you leave luggage and personal items unattended in a public place then Fortis cannot be held responsible for any resultant claim. You should always take reasonable care to look after your property and treat it as if it were not insured. There is no cover for cash or valuables left in an unattended vehicle at any time, even if the vehicle is locked.

Yes, there is cover for glasses on our policies, they are included as valuables. However, the maximum amount that will be paid for sunglasses or prescription glasses of any kind is £150.

At the time of booking your travel arrangements, check to make sure that you have cancellation cover in place for that particular trip.
If your travel arrangements change then you must call Protect Your Bubble immediately on 0844 412 4296 You must be able to provide the correct Period of Insurance on your documentation in the event of a claim.

Please ensure that you take a copy of your certificate of insurance and a copy of the full policy wording - these documents contain important numbers that you may require whilst travelling.

Yes, provided you have paid the additional premium for the golf cover extension. Up to a maximum benefit limit of £1500 is payable with claims for a single club or item of Golf equipment limited to a maximum benefit of £500.

If you have paid the appropriate premium, you are covered for cancellation of your holiday for the reasons stated in the policy wordings. You may be able to claim (subject to the policy terms and conditions) for any travel or accommodation costs that you have either already paid or are contracted to pay, that you cannot reclaim from the tour operator.

If your policy includes the Excess Waiver, you will not need to pay the excess on any claim. You can add the Excess Waiver on to your policy through the payment of the appropriate additional premium. Please contact Protect Your Bubble on 0844 412 4296

If you intend travelling to European Union (EU) countries, the European Economic Area (EEA) or Switzerland, we would advise you to obtain a Form CM1 from your local main Post Office. On returning this duly completed to the main Post Office, you will be issued with a European Health Insurance Card (EHIC), which will entitle you to certain free or reduced cost health arrangements in the EU, EEA or Switzerland. (Full details are given in the DSS Leaflet No. SA40).
NB: In the event that you have used the EHIC to effectively reduce the cost or your treatment or medicines; then you will not have to pay an Excess in relation to any medical related claims.

We can change your policy within 14 days of purchase, after this you will only be able to make administration changes such as departure / return dates, extend the policy to cover Special Sports & Activities or upgrade the benefit levels within the policy. Please contact Protect Your Bubble on 0844 412 4296.

Camel riding
Catamaran sailing (if qualified)
Clay pigeon shooting
Dinghy Sailing
Go Karting (within organiser's guidelines)
Jet boating (no racing)
Jet Skiing (no racing)
Paint Balling (wearing eye protection)
Rifle range shooting
Sailing/ yachting offshore (recreational, no racing)
Shooting (within organiser's guidelines)
Skidoing
Small bore target shooting (within organiser's guidelines)
War games (wearing eye protection)
Yatching (if qualified)

American football
Climbing up to 4000 meters
Dry slope skiing
Endurance tests
Fives
Football - American
High altitude trekking
Hiking / trekking / walking (above 4000 meters)
Hockey
Lacrosse
Langlauf
Organised safari with guns
Outdoor endurance events
Parascending - over land
Rugby
Sand dune surfing / skiing
Scuba diving between 30m - 50m (within organiser's guidelines)
Speed skating
Street Hockey (wearing pads and helmets)
Summer tobogganing
TrampoliningTrekking high altitude
White water canoeing (up to grade 4 only)

Adventure racing
Base Jumping
Biathlon
Big game hunting
Black water rafting
BMX riding :stunt / obstacle
Bouldering
Boxing
Canyoning
Cave tubing
Caving and Pot holing
Climbing over 4000 metres
Cycle Racing
Cyclo cross
Drag racing
Flying (except passengers in licensed passenger aircraft)
Free Mountaineering
Hang gliding
Harness racing
High diving (over 5 metres)
Hunting (Fox / drag)
Jousting
Judo
Karate
Kendo
Manual work
Martial Arts
Micro Lighting
Modern pentathlon
Motor Cycle racing
Motor racing
Motor rallying
Mountaineering (over 4000 metres)
Parachuting
Paragliding / parapenting
Parapenting / paragliding
Pot Holing / Caving
Powerboat racing
Power Lifting
Professional Sports of any kind
Quad Biking
River bugging
Rock Climbing
Rock Climbing using ropes and guides
Rodeo
Roller hockey
Shark diving (in cage)
Skydiving
Speed trail / time trail
Time trail / speed trail
Triathlon
Water ski jumping
Weight lifting
Wrestling

Gadget Insurance is a cost effective way to insure those everyday gadgets and electronic equipment that we never leave the house without! Many of us do not realise the value of the everyday items carried in our briefcase / handbag. It’s only when something goes wrong and we have to replace these products that we understand the true value, both personally and financially of our every day gadgets.

• Theft
• Accidental damage
• Liquid damage
• Mechanical breakdown (outside of manufacturer's warranty)
• Loss cover (optional for an extra £1 a month- not available on iPads and laptops)
• Worldwide cover as standard
• Complimentary TagBak reward and return service
• For mobiles- unauthorised calls cover up to £100

We offer insurance on Mobile phones, Laptops, iPhones, iPads, iPods/MP3 players, Game consoles, Handheld Games consoles, Satelite Navigation systems, Cameras and Camera lenses, Camcorders, Bluetooth headsets, In-car computers, Headphones and earphones.

Please refer to our summary of cover and terms and conditions for full details.

The item must be less than 12 months old from the date it was purchased as new.

Yes. There is an excess fee for all successful claims which must be paid before your claim can be approved. If you purchased your policy after 03/05/2011 and your policy is for a laptop, there is a £75 excess fee for each claim. If your claim is for a Smartphone, iPad, Tablet or iPhone the excess fee is £50 for any claim. For all other items, there is an excess fee of £25.

Any loss claims will incur a further £25 excess fee. Any international claims are subject to a £75 excess fee.

If you purchased your policy before 03/05/2011 and your policy number begins with a 4,5,6 or 7, then please refer to your terms and conditions or email us at customerservices@protectyourbubble.com.

In the event of a claim you will need to provide receipts for all items you are claiming for. The receipt must be in the same family name.

Protect your bubble useful tip:

Post a copy of your receipt (s) to Protect your bubble, PO Box 1033, Uxbridge, UB8 9PX.

Or scan it to  customerservices@protectyourbubble.com.

We will link it to your policy to speed up any future claims.

Yes, as long as you can prove that the item was purchased as new from a VAT registered retail shop and not a sole trader. You would need to provide a proof of purchase that shows that the item was bought as new and not previously used if you were to make a claim. 

We'll email your policy number and links to your policy documents immediately after purchase. We will also send you these documents by post – please allow up to 5 days.

When you receive your postal pack, be sure to activate your complimentary TagBak service.

Read more about TagBak….

If YOU HAVE PURCHASED YOUR POLICY AFTER 03/05/2011

(your policy number will begin with DGI):

• call us on 0844 346 3970 
•  email  customerservices@protectyourbubble.com

Protect your bubble useful tip:

Post a copy of your receipt (s) to Protect your bubble, PO Box 1033, Uxbridge, UB8 9PX.

Or scan it to  customerservices@protectyourbubble.com.

We will link it to your policy to speed up any future claims.

IF YOU HAVE PURCHASED YOUR POLICY PRIOR TO 03/05/2011

(your policy begins with a 4,5,6 or 7):

• call us on 0845 250 5535
• email  customerservices@protectyourbubble.com

You can also post a copy of your receipt to:

 602 Cumberland House, 80 Scrubs Lane, London, NW10 6RF.

 

IF YOU HAVE PURCHASED YOUR POLICY AFTER 03/05/2011

(your policy number starts with DGI):

• Call us on 0844 346 3970
• Email customerservices@protectyourbubble.com

Alternatively you can write to us at:

Protect your bubble
PO Box 1033
Uxbridge
UB8 9PX

IF YOU HAVE PURCHASED A POLICY BEFORE 03/05/2011 

(your policy number starts with a 4,5,6 or 7):

• Call use on 0845 250 5535 
• Email customerservices@protectyourbubble.com

Alternatively you can write to us at: 
 
Claims Department
602 Cumberland House
80 Scrubs Lane
London
NW10 6RF

In the event of a claim you must:

• Report the theft / loss to the police within 24 hours of discover
• the theft / loss of a mobile phone / PDA to your Service Provider immediately, but in any case within 12 hours of discovery
• If your claim relates to a faulty item, the faulty item must be provided
• Contact us within 48 hours of discovery of any claim

Failure to comply with the above may result in your claim being delayed or rejected.
Once the claim has been approved we aim to replace items within 2 working days. If the item is being repaired we aim to return this to you within 5 working days.

If you pay for your annual gadget insurance policy in monthly instalments we will collect the remaining annual premium at the same time as the excess is collected.

No, you are not able to make a claim for the first 14 days of the insurance policy.

Gadget insurance is arranged by Protect your bubble, underwritten by Assurant General Insurance Limited, and administered on their behalf by Assurant Services Ireland Limited. Assurant General Insurance Limited is authorised and regulated by the Financial Services Authority.

Please contact us on email customerservices@protectyourbubble.com.

Cancellations must be in writing. We do require one month notice. You can e-mail customerservices@protectyourbubble.com quoting your policy reference.

Please be aware that we charge an administration fee of £10. If you selected to pay annually a pro rata refund will be give – see Terms and Conditions for full details.

Please refer to the Gadget Insurance Terms & Conditions or email complaints@protectyourbubble.com.

Yes you can change the cover you have when your policy is due for renewal. Please contact us at the time and we will make the necessary changes to your policy.

Yes. And at renewal your cover will continue unless you tell us otherwise. We don't charge any interest for paying your premiums monthly.

You will be covered for 30 days with our Economy and Standard cover levels and 12 months with our Premier cover.

You'll pay the amount shown on your schedule towards the veterinary treatment for each new illness or injury. If you have a dog, you'll also pay a £100 excess towards any claim for third party liability.

In some circumstances we can arrange to pay the vet direct for the costs of your pet’s treatment. To arrange this please call us on 0844 871 1343

We don't charge any interest for paying your premiums monthly.

Yes, there is no age maximum limit (Dogs that are 9 or more years old and cats that are 11 or more years old are excluded from the death by illness cover)

Pets must be at least 8 weeks old, there is no age maximum limit. (Dogs that are 9 or more years old and cats that are 11 or more years old are excluded from the death by illness cover)

Call us and we'll send you a personalised claim form with your details already filled in. To make it easier for you we can pay the vet directly if they are set up for this. If the vet is unable to offer this facility or you've already paid the vet, we'll send you a cheque. Full instructions about how to claim will be provided in your welcome pack.

Every quote is calculated individually, so you can be sure you'll get the most competitive price possible. We look at the breed of your pet, its age, sex and where you live when calculating the cost of the cover.

We only insure cats and dogs on our pet insurance policy.

One policy will cover one pet only. However you can buy multiple policies and Protect your bubble will give a 5% discount for each additional pet you insure with us.

You can not claim on any accident, injury, illness or condition arising prior to or within the first 10 days of the inception date of the insurance. (This exclusion is not applicable to renewed policies.) After this period, subject to cover being in force and the premiums being paid to date, you can claim up to the policy limit of the cover selected, terms and conditions apply as per the policy wording.

Agria is a specialist company of the Länsförsäkrings Alliance which is comprised of 24 regional mutual insurance companies together with the jointly owned Länsförsäkrings AB, the hub of the Alliance. The Alliance is the leading insurance group in Sweden supplying non-life insurance, life insurance and private banking services. The history of the company dates back to 1890 when the first policy was written by the founder, Claes Virgin, who recognised the value of an animal insurance company which at that time focused on livestock and horses. Agria has grown steadily over many years into a highly successful business with a clear vision and belief in its role of providing a secure future for animal and man, for pets and their owners, and in so doing advancing the cause of a healthier society in the company of animals.

For the short-term (accident, sickness and unemployment) policy

• You need to be over 18 and under 65 years of age;
• In full time employment or self employed and have been for at least 12 consecutive months immediately prior to the start date;
• Working and living in the United Kingdom, the Channel Islands or the Isle of Man.

You may also be eligible for cover if you worked and lived in the United Kingdom, the Channel Islands or the Isle of Man at the start date and you are subsequently posted to work outside the United Kingdom, the Channel Islands or the Isle of Man for:

• the British Armed Forces or as a civil servant in a British Embassy or Consulate; or
• your employer is a United Kingdom registered company and you are assigned to work within the European Union.

There are some limitations to cover for self employed workers, fixed term contract workers, outlined in the policy terms and conditions.

For the long-term (sickness) income protection policy

• The policy must start before you reach the age of 60 and your cover end before you reach the age of 68, as your policy must last for five years.
  

 

The 'wait' period before you can claim will depend on the type of cover you select. The longer the wait period, the lower your monthly premiums will be.

The short-term Accident, sickness and unemployment has the following wait period options -

• Back to Day One (30 day wait period)
• 30 day wait period
• 60 day wait period
• 90 day wait period
• 180 day wait period

You can start claiming your Income Protection Insurance after the wait period you have selected is over, for sickness or accident as certified by your doctor. For an unemployment claim, you cannot claim within the first 120 days of the start date of your policy, but after that period you can also claim after the wait period you have selected has expired.

With Long-term (sickness) benefit, the following wait period options apply -

• Back to day one
• 1 week
• 4 weeks
• 8 weeks
• 13 weeks
• 26 weeks
• 52 weeks

With the combined policy the deferred periods are back to day 1 for the short-term policy and 52 weeks for the long-term policy (to ensure there is no overlap in cover these are pre-set).

Yes, for the short-term policy, the monthly benefit chosen must not exceed £1,500 or 60% of your gross monthly income, whichever is less.

For the long-term policy your benefit must not exceed 65% of your personal taxable income up to £60,000 per annum and anything up to 40% of amounts in excess of £60,000 per annum prior to incapacity.  Your benefit may be reduced if you make other income which would bring you over the maximum monthly limit, such as income from employment or pensions, other insurance benefits providing incapacity cover or state benefits.

Contact the Protect your bubble team on 0844 871 1341 and they will help you

For the short-term policy you can choose to receive benefit payments for up to 6 or 12 months depending on your circumstances

For the long-term policy you can claim until a point you are no longer incapacitated, until the policy term ends or until you die.

 

Short-term cover

 

Standard Cover
You will be entitled to an amount equal to 1/30th of the monthly benefit for each continuous day you are unable to work as a result of an accident, sickness or involuntary unemployment (if unemployment cover is selected) following the initial wait period of 30, 60, 90 or 180 days, (during which no benefit will be payable) that you choose. Payments will be made monthly in arrears.

Back to day one cover
After the initial wait period (30 days) you will be paid your full monthly benefit. Thereafter, you will be paid 1/30th of the monthly benefit for each continuous day you remain unable to work due to accident, sickness or involuntary unemployment (if unemployment cover is selected). Payments will be made monthly in arrears.

Long-term cover

 

Payments are made fortnightly, based on the weekly insured amount.  You will be paid one sixth of the weekly insured amount for each day's absence from work due to illness.

 

Yes, refer to the policy terms and conditions for full list of policy exclusions. As with all insurance policies, exclusions and limitations apply and it is important that you read the terms and conditions of this policy to determine if these apply to you and for full details of the cover. This will also help you understand the level of protection that this product provides.

 

 

A reviewable premium period means that premiums may start off relatively low, but will be reviewed in the future and may go up every few years or so. In some cases, the premium may be reviewable every year, or every five years, to take into account your  and our changing circumstances. There is no limit to the amount that your premium may change by, but any change will be fair and reasonable.

You will benefit from accident, sickness and unemployment cover from day one with your short term policy. You also have a long term policy providing accident and sicness cover only running in parallel with a 52 week deferred period (during which time you can not claim on the long term policy, but can claim on the short-term policy) .

Once the short-term policy expires your long term policy continues, so you will not be left un-insured for accident and sickness as long as you continue to pay your monthly premiums.

Income protection is designed to pay out a regular monthly amount to replace a significant part of your income if you are unable to work due to most illnesses or accidental injury whereas critical illness insurance pays out a lump sum if you suffer from one of a number of insured illnesses or conditions..

If you have loved ones that are financially dependent on you, Life Insurance will provide some financial support should you die.

With Critical illness cover it will provide a lump sum to make living financially easier if you were to suffer financially by the impact of a critical illness.

More Information

More Information

More Information

This depends on your requirements – whether you just wish to cover your mortgage outstanding balance or whether you wish to leave an extra lump sum for your dependants, in which case, level term Life insurance might be suitable for you. You should also consider any cover that you may already have – for example from your employer.

You can choose any duration that suits you – whether this matches your mortgage duration or the age that your children will become financially independent.

Yes, age is a factor in producing a Life Insurance quote and the premiums quoted will go up the older you are. (The other common factors used to determine a quote are – Sex, health, family health history, length of cover, amount of cover and smoking status).

This is dependent upon individual circumstances.

If you are accepted under the standard underwriting criteria your policy may be set up immediately. If we require further medical information from your GP it will take a little longer.

There is a 30 day cooling off period, if you cancel your policy during this time you will receive a full refund of any premium paid.

No, this insurance only pays out as a result of an insured event (death or critical illness) during the policy term.

When you hire a car in the UK, Europe or further a-field your car rental agreement will cover CDW (collision damage waiver), theft and third party liability. Should anything happen to the vehicle during your rental agreement you will be required to pay a portion of the costs to the car rental company (the excess). This can be as much as £2,000 with some car rental companies. This insurance is designed to cover this excess payment, as well as other items such as damage to tyres, windscreens and the under body of the car which are often the financial responsibility of the hirer and can be expensive!

It is your choice if and where you decide to purchase a Hire Car Insurance policy. By purchasing a policy with Protect your bubble prior to departure you have time to review and understand the cover being provided (if you buy at the car rental desk you are unlikely to have time to read the terms and conditions of any additional waiver cover purchased). Our policy is in plain English, not translated from the local language. Our cover is much wider than most car rental companies and includes benefits for lost keys, lock out cover, personal accident, baggage, curtailment and drop-off charges. Protect your bubble’s Car Hire Excess Insurance could provide significant cost savings against the charges made by car rental companies.

This insurance insures the policyholder as Lead Driver on the car rental agreement plus any other persons eligible to buy this insurance if they are named on the certificate of insurance and car rental agreement for any physical loss or damage to the vehicle hired up to the excess shown in the car rental agreement including loss or damage to tyres, windscreen, under body of the vehicle and towing charges. In addition the policy also covers for each car rental agreement:

For clients living in the UK or Republic of Ireland this policy includes rentals in home country as long as such rentals commence more than 150KMS (93 miles) from home address. This restriction can be removed by adding the Near Home Rental option. For clients living outside the UK or Republic of Ireland, this policy excludes rentals in home country.

Our policies cover the policy holder (who must be the person renting the car) plus any additional drivers declared on the car rental agreement.

There are two territories: - 1. Europe - means all countries West of the Ural Mountains, British Isles, Ireland, islands in the Mediterranean, Morocco, Tunisia, Turkey, Canary Islands, Madeira, Iceland and the Azores, except rentals within 150 kilometres of your home in your usual country of residence. 2. Worldwide - means any country In addition we offer worldwide including SLI. Supplementary Liability Insurance. (SLI) is top up third party insurance applicable to those territories where there is no or very low limits of third party liability insurance, for example, USA. SLI tops up any mandatory insurance to $1,000,000

This allows you to top up your third party liability cover (third party liability covers you for any negligent act that causes damage to another persons property or bodily injury). It is supplementary Liability Insurance and provides 3rd party liability up to $1m and is required where there is no or very low limits of third party liability cover. In certain territories outside of the European Union third party liability insurance is not mandatory or the mandatory limits are inadequate. This includes countries such as the USA, Canada and New Zealand for example. Your car rental company may include adequate third party liability as part of your rental but you should ask them to confirm the amount of cover provided. If your car rental company does not provide adequate third party liability they will offer this when you pick-up your car. This means that there is likely to be a substantial additional cost to your car rental package. Protect your bubble’s SLI cover provides you with peace of mind by topping up the cover to $1,000,000.

An annual policy covers you for unlimited car rentals during the year up to 31 days per rental.

Once you purchase the policy you do not need to buy any additional insurance from the car rental company. The car rental company will reserve the excess amount shown in the car rental agreement against your credit card to cover damage that you might incur during the rental. If you do damage the car the car rental company will assess the damage and provide you with a loss damage report and deduct the amount from your credit card. On your return home please contact AXA Assistance (their details are in the policy) to report the claim. Once you submit the claim form and documents required to prove the loss occurred it takes approximately 10 days to settle the claim. Our product administrators Questor Insurance are there to assist you once your claim is submitted and they have processes in place to ensure that claims are dealt with efficiently and within the agreed service level agreements.

See our policy wording for full procedures.