Common questions about travel insurance
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. So 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.
Sports and activities
Is sailing covered as an activity?
Pleasure sailing is covered but only within internationally recognised territorial waters. These are excluded: ocean sailing, sailing in any international waters, or competitive sailing.
Is there cover for water sports?
There's 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; all underwater swimming is excluded unless you're a qualified diver who is diving accompanied, or you're diving with a qualified instructor.
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 isn't covered if it's competitive, or you (as policy holder) is skiing against local authoritative advice or warning.
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 can't be extended, so if you'd like winter sports cover for a longer period, please buy single-trip cover.
What happens if I get hurt while skiing, and I haven't taken out winter sports cover?
You won't be covered for medical costs. Winter sports cover doesn't just add on the specific winter sports (see the policy booklet). It's excluded from all sections of the policy, unless your policy schedule shows that you've bought winter sports cover.
Do I need winter sports cover for hockey?
We don't cover ice hockey because it's an excluded activity. So is organised team hockey.
What 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 our team of advisers.
Am I fully covered if I had cancer two years ago?
If you have received treatment for cancer in the last two years, please ensure this is declared during your purchase to ensure the correct cover is applied. If in doubt, call us:
0800 912 5002.
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, call our team of advisers.