Please read all of the information relating to your policy before you buy AA Travel Insurance.
Travel insurance
Travel insurance policy for policies purchased from 1 April 2013
Travel insurance policy for policies purchased before 1 April 2013
Essentials travel insurance
Essentials travel insurance policy for policies purchased from 1 April 2013
Essentials travel insurance policy for policies purchased before 1 April 2013
Single trip
Single trip policy summary for policies purchased from 1 April 2013
Single trip policy summary for policies purchased before 1 April 2013
Essentials single trip
Essentials single trip policy summary for policies purchased from 1 April 2013
Essentials single trip policy summary for policies purchased before 1 April 2013
Annual multi-trip
Annual multi-trip policy summary for policies purchased from 1 April 2013
Annual multi-trip policy summary for policies purchased before 1 April 2013
Essentials annual multi-trip summary
Essentials annual multi-trip policy summary for policies purchased from 1 April 2013
Essentials annual multi-trip policy summary for policies purchased before 1 April 2013
Backpackers
Backpackers policy summary for policies purchased from 1 April 2013
Backpackers policy summary for policies purchased before 1 April 2013
Can I purchase AA Travel Insurance if I don't live in the UK?
No. The policy only covers UK residents, so non-UK residents are not covered. The UK is defined as England, Wales, Scotland, Northern Ireland and Isle of Man.
Do you have personal liability cover for holiday accommodation?
Personal liability cover is included for temporary rented holiday accommodation, but not if you own the overseas property, or you have the property on any other type of hire.
Is terrorism covered?
Terrorism is excluded from all sections except for the Emergency Medical and other expenses section, Personal Accident section and Hijack section (where cover is provided as part of the policy). If the terrorist act involves a nuclear device or a chemical or biological agent, there is no cover at all.
Are the benefits per person?
The benefits are per person unless stated otherwise. The personal liability benefit limit is per event, and the emergency car-hire limit is per party. In the personal possessions, luggage, money and passport section, cover for tools, spare-parts kit, warning triangle, emergency windscreen and snow chains is per party, as is the cover for personal possessions left in a vehicle being recovered to the UK. All other benefit limits are per person.
When does the delayed baggage benefit come into force?
If your baggage is delayed for more than 12 hours after your arrival overseas at your final destination, there is cover up to £200 to replace essential items of toiletries, medication and clothing. If your property is lost permanently, any payment made under delayed baggage will be deducted from the eventual claim for loss, damage or theft.
Am I covered to work or study in Europe?
Paid manual work of any kind and professional entertaining are both excluded from policy cover. Study overseas can be covered but does not include any professional liability cover or any excluded activity.
Back to topIs sailing covered as an activity?
Pleasure sailing is covered but only within internationally recognised territorial waters. Ocean sailing, sailing in any international waters or competitive sailing is excluded.
Can we extend our winter sports cover beyond 17 days on annual multi-trip cover?
An annual multi-trip policy with the winter sports option includes up to 17 days of winter-sports activities during the period of insurance. This cannot be extended, so if you would like winter sports cover for a longer period please opt for single-trip cover.
If I get hurt while skiing and have not taken out winter sports cover, would I be covered?
No, you would not be covered for medical costs. Winter sports cover does not just add on the specific winter sports (see the policy booklet). It is excluded from all sections of the policy unless your policy schedule shows you have bought winter sports cover.
Is cross-country skiing covered?
Pleasure skiing of this type is covered if the policy holder is accompanied by a qualified guide or instructor but cross country skiing is not covered if it is competitive or the policy holder is skiing against local authoritative advice or warning.
Do I need winter sports cover for hockey?
Ice hockey is an excluded activity, as is organised team hockey.
Is there cover for water sports?
There is no cover for motorboat or powerboat racing/rallying, nor for high diving or diving with sharks. There is no cover for any sub aqua activity below 30 metres and all underwater swimming is excluded unless you are a qualified diver who is diving accompanied or you're diving with a qualified instructor.
Back to topWhat if I'm not sure if my medical needs are covered?
If any of the conditions listed in the medical declaration on our website apply to you, we recommend that you call one of our advisers.
Am I fully covered if I had cancer two years ago?
Every person who has been treated or been under consultation for cancer in the last 5 years following the final check up, will not be covered unless the condition has been declared to us and we have agreed cover in writing. Please call and discuss with one of our friendly call centre agents if you would like further information.
Do you cover angina?
Angina must be risk assessed for all destinations. If any of the conditions listed in the medical declaration on our website apply to you, we recommend that you call one of our advisers.
Back to topFinancial Failure Holiday Protection is now included as standard in all travel insurance policies from the AA.
It provides cover for the insolvency of any travel arrangements independently booked in the United Kingdom, Isle of Man or Ireland (not forming part of an inclusive holiday) and not bonded or insured already. These arrangements would include:
If the insolvency occurs while you are on holiday, you can claim for additional costs which you have incurred such as arranging replacement services or the cost of returning home if curtailment of the holiday is unavoidable.
Please read the Travel insurance policy wording for full details.
When contacting the claims department, please quote AA Travel Insurance.
Phone 0845 0920747
Write to AA Travel Insurance Claims, Rightpath Claims, Airport House, Purley Way, Croydon CR0 0XZ
The notification must be made within 31 days following any bodily injury, illness, disease, incident, event, redundancy, or the discovery of any loss, theft or damage which may give rise to a claim under your policy.
Remember to have the following information to hand:
Failure to have the above information to hand may result in your claim being delayed.
You must also inform us if you are aware of any court claim form, summons or impending prosecution. Every communication relating to a claim must be sent to us as soon as possible. You or anyone acting on your behalf must not negotiate admit or repudiate any claim without our written consent. You or your legal representatives must supply at your own expense all information, evidence, details of household insurance, proof of ownership and medical certificates as required by us. We reserve the right to require you to undergo an independent medical examination at our expense. We may also request and will pay for a post-mortem examination.
You must keep any property which is damaged, and, if requested, send it to us at your own expense. If we pay a claim for the full value of the property and it is subsequently recovered or there is any salvage then it will become our property. We may also pursue any claim to recover any amount due from a third party in the name of anyone claiming cover under this policy. We may refuse to reimburse you for any expenses for which you cannot provide receipts, bills or any property which you cannot provide proof of ownership such as an original receipt, a valuation, an original user manual or bank or credit card statements.
Phone 023 8085 7423
Write to Blake Lapthorn, New Kings Court, Tollgate, Southampton SO53 3LG
Phone +44 (0)20 8776 3752
Phone +44 (0)1384 377000
In a medical emergency, if you go into hospital or need to return home urgently, immediately contact our 24-hour emergency assistance service. The helpline is available 24 hours a day, 365 days a year (366 days in a leap year).
Phone from anywhere in the world +44 (0)2920 474139
Phone from the UK 02920 474139
Email assistance@global-response.co.uk
When calling please quote AA Travel Insurance and your policy number.
Call our UK call centre
Or buy online
