Travel Frequently Asked Questions

We are pleased to provide you answers to some of the most commonly asked questions about travel insurance from Holiday Property Bond. If you have any additional enquiries, please contact us at: enquiries@rushinsurance.co.uk
View questions about:
• Purchase
• Cover
• Policy
• Claims

Purchase

How much does a policy cost?

Prices vary depending on certain factors, such as age, destination, trip duration and the level of cover chosen.

How do I prepare a quotation?

• Click Get A Quote
• Choose the policy type (Single Trip, Annual)
• Enter the dates and destination of the trip you require
• Enter the personal details of each passenger requiring cover
• Click on the various options available to tailor the quote to meet the specific needs of your customer

Cover

What if I change my mind about buying the policy?

If your cover does not meet your requirements, please notify us within 14 days of receiving your documents for a refund of your premium.
Contact us by email at: enquiries@rushinsurance.co.uk or phone 0333 400 7780
If during this 14 day period you have travelled, made a claim or intend to make a claim then we can recover all costs that you have used for those services. (Please note that your cancellation rights are no longer valid after the initial 14 day period.)

Can I buy HPB Travel Club Limited Travel Insurance if I am not a resident of the United Kingdom or Channel Islands?

No, you are only covered if you have been resident in the UK or Channel Islands for the last six months.

Does it matter who I book my travel arrangements through?

No, HPB Travel Club Limited Travel Insurance may be purchased independently.

Does Holiday Property Bond offer an Annual multi-trip policy?

Yes, apart from policies for Single Trips of up to 365 days we also offer Annual multi-trip cover. The Annual multi-trip policy provides cover for any number of trips throughout the policy year, with the standard maximum duration of any one individual trip being no longer than 31 days. This can be increased, upon payment of an additional premium, to either 45 days or 60 days per trip. Cover within the UK is also included although certain terms apply (see policy document for full details).

Is there an age limit on the HPB Travel Club Limited Travel Insurance policy?

HPB Travel Club Ltd offers both single trip and annual trip insurance. Our annual trip policy is available to clients aged up to 79, and our single trip policy is available to all clients up to 99 years of age

When does cover begin and end?

You are covered according to the dates you select on your quotation. These will be confirmed on your policy schedule once the policy is purchased. Trip cancellation insurance for Single Trip is effective from the point of purchase and for Annual multi-trip policies from the date you select cover to start. The other aspects of cover take effect when you commence your journey. Single Trip and Longstay insurance cover ends on arrival back in your home country or on the date shown in your policy, whichever is the earlier. Annual multi-trip policies terminate on the expiry date of the policy.

What is the maximum trip length?

Single Trip cover can be purchased for trips up to 365 days. Our Annual multi-trip policy covers you for a year but no one trip within this period can exceed 31 days duration. Unless an additional premium has been made to increase the duration.

Am I covered for any pre-existing medical conditions?

Some existing medical conditions may be covered under the policy. Please contact our confidential medical line on 0330 311 2648 to declare any medical conditions. Please refer to the 'Automatically Covered Pre-Existing Medical Conditions' on page 7 of the policy wording.

Am I covered for skiing or other adventure activities?

HPB Travel Club Limited Travel Insurance covers many adventure activities. Please refer to the Covered Hazardous Activities within the policy document to understand what activities we do and do not cover and if in doubt give us a call on 0333 400 7780.

Am I covered for loss of cash?

Yes, providing that this section is covered under your policy. Also there is a sub-limit within the personal money section for the amount of cover we provide for cash.

Policy

How do I get my insurance documents?

When you buy a policy, we send you an email confirming your purchase of cover. If you require the documents sending by post, please email us at enquiries@rushinsurance.co.uk or telephone 0333 400 7780

Can I purchase a policy if I have already started my journey?

No, you cannot purchase a Holiday Property Bond policy if you have already left on your travels.

If I have any queries, who do I contact?

Call our customer service line on 0333 400 7780 or email enquiries@rushinsurance.co.uk. Please note that we are unable to give you any advice on whether this product is suitable for your needs.

Claims

Can I still claim even if I don't have receipts for all my personal possessions?

Yes. These claims will still be considered, please be aware though that when we receive a personal possessions claim, you will still be asked to provide proof of ownership for the lost or stolen items. We understand that you might not be able to produce receipts for each and every item, however, we do expect that you should be able to provide some evidence of ownership. Typically, the insurers may accept photographic evidence in conjunction with warranty cards, manuals, receipts, bank or credit card statements as proof of ownership. In the end, common sense prevails and you should ask yourself, "Do these documents conclusively prove that I owned this item?".

Who do I contact in the event of a medical emergency?

IF YOU NEED EMERGENCY MEDICAL ASSISTANCE ABROAD OR NEED TO CUT SHORT YOUR TRIP: contact the 24-hour emergency assistance advice line on: +44 (0)330 660 0785.

Who do I contact to make a claim under my Single Trip or Annual Multi Trip Policy?

You can submit a Claim online by completing the following link: www.submitaclaim.co.uk/HPBO. Alternatively, you can contact the Claims Team by phone on 0330 660 0785, emailing them on claims@mstream.co.uk or visiting their website at https://www.csal.co.uk/

How am I ever going to remember all these different contact numbers?

We have made this easy for you. All the relevant contact numbers are summarised on page 4 of your policy document. These can also be found by clicking the 'Contact Us' tab on the website.

COVID-19 TRAVEL INSURANCE FROM 15/11/2021

WHAT DOES OUR COVID-19 COVER INCLUDE: 

• Cover if you need to cancel your holiday due to you or anyone named on your policy testing positive for Covid-19. 
• Cover if you are prevented entry at the airport due to detected and diagnosed symptoms of Covid-19 (outward and return journeys).
• Cover if you fall ill with Covid-19 abroad and need medical treatment abroad. 
• Cover if you fall ill with Covid-19 abroad and need to be repatriated to the UK. 

If an area goes into lockdown, for example Leicester or Greater Manchester, am I covered if I cancel my trip?
No, the policy does not provide cover for local geographical quarantine. However, if you are diagnosed with Covid-19 and you can provide medical evidence, your policy will provide cover for trip cancellation.

If we are booked to travel to a destination that the Foreign, Commonwealth and Development Office (FCDO) have advised against travelling to, are we covered?
No cover is provided on our policies if you are travelling to a country or specific area that is classified as ‘Advice against all Travel’ or ‘Advice against all but essential Travel’ by the Foreign, Commonwealth and Development Office (FCDO). In the first instance, we would suggest you contact your airline, travel agent or tour operator to ensure your flights and accommodation are available for your intended trip.

If me or a member of my travelling party contracts Covid – 19, are we covered if we cancel our trip?
The policy will provide cover under the Cancellation section and will include cover for the proportion of prepaid transport, accommodation and additional travel expenses, and pre-paid excursions booked before you travel, which cannot be recovered from any other source.

What if myself or a member of my travelling party is well when we depart the UK, but are denied entry to the overseas country due to displaying symptoms?
If you are a member of the travelling party and are refused entry, you are required to follow local authority procedures and contact the 24-hour Emergency number on +44 (0)330 660 0785.

If I need to quarantine on my return to the UK, am I covered if I choose to cancel my trip prior to the departure date?
The policy provides no cover for trip cancellation where you choose to change your travel plans due to quarantine requirements, which may apply on your return to the UK. This is classed as disinclination to travel, which is an exclusion on our policy. 

Am I covered if I choose to cut short my trip, if I need to quarantine on my return to the UK?
The policy provides no cover for trip curtailment where you choose to change your travel plans due to the quarantine requirements which may apply on your return to the UK. This is classed as disinclination to travel, which is an exclusion on our policy.

If I need to quarantine on my return to the UK, am I covered for loss of earnings?
The policy provides no cover for loss of earnings, if you are required to quarantine for any period on your return to the UK. 

What if the advice of the Foreign, Commonwealth and Development Office (FCDO) changes whilst I am abroad? Am I covered for any medical emergencies or if I contract Covid-19?
Yes, cover is applied if you, or anyone named on your policy becomes ill with an infectious disease during your trip (including contracting Covid-19). You will be required to call and seek approval from our 24-hour emergency assistance number +44 (0)330 660 0785 and follow local authority procedures. 

Am I covered if anyone named on the policy has got to return home early because they unexpectedly contract Covid-19?
Curtailment cover is included and will provide a pro-rata refund of pre-paid trip costs, from the day you return home, if you or anyone named on your policy becomes ill with an infectious disease during your trip (including contracting Covid-19). You will be required to call and seek approval from our 24-hour emergency assistance number +44 (0)330 660 0785 and follow local authority procedures. 

What if I am refused boarding at the overseas airport on my return journey? Will I be covered?
Our policy now includes Denial of Boarding which will provide cover for extra accommodation and return transport at the earliest possible date based on medical or local authority advice, up to the limits stated in the Policy Wording, due to having or being suspected of having an infectious disease (including Covid-19).