Travel insurance claims

When contacting us please make sure you quote your policy to help us deal with your enquiry more effectively.

Action whilst on a trip

Serious bodily injury or illness whilst on a trip

If an insured person suffers bodily injury or illness which requires admittance to a hospital or clinic or necessitates transport under medical supervision you must immediately contact Cega Emergency Services on their 24 hour emergency helpline. Their number is:
Telephone: +44 1243 621060
Fax: +44 1243 773169

Please have the following information available:

• your contact telephone number
• details of the nature of injury or illness
• name and telephone number of the hospital and/or attending doctor
• your policy number - which is specified in the Schedule

On your behalf, Cega will:

• liaise with doctors and hospitals
• arrange hospital admissions
• deliver special medicines
• authorise insured medical charges
• organise emergency repatriation with a medical expert if necessary
• arrange referral to specialists
• provide medical advice
• provide special equipment
• give guidance and help to other members of your party

Any emergency travel or accommodation must be authorised and arranged by Cega Emergency Services

Minor bodily injury or illness whilst on a trip

If an Insured Person suffers bodily injury or illness for which medical attention is received but which does not require the intervention of Cega Emergency Services they should pay and obtain receipted accounts from the hospital or clinic, doctor or pharmacy.

A medical certificate showing the nature of the bodily injury or illness should also be obtained.

Reporting claims

Claims other than for legal expenses

When you become aware of any event that could lead to a claim (other than for legal expenses) you must:

• notify us in writing as soon as reasonably possible by asking us for a claim form. Our address is:
  CIL Ltd
  PO Box 1037
  Oakleigh House
  14 -16 Park Place
  Cardiff
  CF11 1HU
  Telephone: 0870 850 0181
• in the event of serious bodily injury or illness, notify Cega Emergency Services by telephone on +44 1243 621060 as soon as possible and in any event before any alternative travel or accommodation arrangements are made should these become necessary.
• complete the claim form, sign it and return it to us.

Claims for legal expenses

All claims under the legal expenses section are handled on our behalf by Amicus Legal Ltd.

When you become aware of an event that could lead to a claim under this section you must notify Amicus Legal Ltd. Their address is:

The Old Exchange
64 West Stockwell Street
Colchester
CO1 1HE

Telephone: 01206 731959
Fax: 01206 366501

Additional details

• You must, at your expense, provide us with any reports, certificates, information and evidence that we ask for and do so in the manner we request.
• If we request an insured person to do so, they must undergo medical examination at our expense. In the event of an insured person’s death and if a post-mortem of their body is carried out we may request a copy of the Coroner's report.
• In the event of any loss of or damage to personal property, we will be entitled to:
  • to take and keep possession of property and to deal with salvage in a reasonable manner.
  • at our option, to repair or replace any personal property for which we admit liability.
• You must not make any admission, offer, promise, payment or indemnity without our written permission. We will be allowed to take over and conduct, in your name, the defence or settlement of any claim or to prosecute in your name for our benefit any claim. We will have full discretion in the conduct of any proceedings and in the settlement of any claim and you must give all information and assistance that we may need.