Travel insurance FAQ
Can I contact TopNotchCover.com by telephone?
TopNotchCover.com is dedicated to keeping your insurance costs to a minimum.
You can only buy insurance from TopNotchCover online. We don't have huge and expensive call centres. The savings we make by keeping lean and mean are passed on to you by way of cheaper premiums with the added benefit that you don't have to waste valuable time listening to background music whilst waiting in telephone queues!
You can contact us by email on the contact link at the top of our website
When and how will I receive my Policy Documents?
Your policy documents will be e-mailed to you once you have completed your application. They usually arrive in your Inbox within a few minutes, but at busy times you should allow up to 24 hours.
TIP - if you haven't received your policy documents within 24 hours - check your Junk Mail inbox - there is a chance that your junk mail filters may have inadvertently sent these important documents to Junk Mail. This doesn't happen very often but it can happen!
I have a pre-existing medical condition. Will this be covered under my TopNotchCover.com Policy?
Our Gold Travel Insurance can cover many medical conditions. When you complete your quote you will be asked a series of questions regarding pre-existing medical conditions. If you fail to mention any pre-existing medical condition that you may subsequently require treatment for whilst on holiday, unfortunately the travel insurance policy will not cover you medical expenses incurred. Our Bronze and Silver TopNotch policies exlude pre-existing or re-occurring medical conditions.
I do not live in the UK and or I am not a resident of the UK - can I get cover with TopNotchCover.com?
No. TopNotchCover.com can only cover residents of the United Kingdom
You must have resided within the United Kingdom for no less than 6 months, have a permanent United Kingdom Address and be registered with a United Kingdom General Practitioner
What if I want to cancel my policy?
If you change your mind or your travel plans change and so long as you have not traveled or made a claim, you have a 14 day period from when you take out the policy to cancel the policy and obtain a full refund of the premium.
How do I cancel my policy?
E-Mail TopNotchCover.com at enquiries@topnotchcover.com, confirming that you wish to cancel your policy and provide the following information:
Policy Number
Date you purchased the policy
Your reason for cancellation
Your confirmation that you have not travelled since your purchased the policy
Your confirmation that you have not claimed or do not intend to claim under the policy
And a contact telephone number
Remember, we guarantee to respond within 24 hours for queries received Monday (excluding bank holidays) to Thursday and by midnight Monday (excluding bank holidays) for queries received Friday to Sunday.
Do I need to take my travel insurance policy with me when I travel?
Yes, definitely, absolutely.
Your policy contains critical information on things like what to do in the case of a medical emergency abroad, it gives you the full details on what you are covered for and what you are not covered for.
How do I make an amendment to a Policy I have already purchased?
E-Mail TopNotchCover.com at enquiries@topnotchcover.com, confirming that you wish to amend your policy and provide the following information (remember amendments made to the policy after 14 days are subject to an administration charge):
Policy Number
Date you purchased the policy
The amendments you wish to make
Remember, we guarantee to respond within 24 hours for queries received Monday (excluding band holidays) to Thursday and by midnight Monday (excluding bank holidays) for queries received Friday to Sunday.
Annual Multi Trip Policies - Can couples travel independently?
Yes
Annual Multi Trip Policies - Can children travel independently?
No. Children must always be accompanied by a named insured adult on the policy.
Annual Multi Trip Policies - How many days can each trip be and is there a maximum number of trips/days I can take in a year?
Each trip must be for a maximum of 31 days for Bronze, Silver and Gold Policies, but there is no limit on the number of trips you can take.
Annual Multi Trip Policies - What is the number of days winter sports covered when I have purchased an annual policy including winter sports?
You are covered for winter sporting holidays up to a maximum of 17 days during the period of the insurance.
Am I covered when I am pregnant?
There are terms and conditions relating to pregnancy under the policy. The main exclusions are:
There are terms and conditions relating to pregnancy under the policy. They are:
Section C, Personal Accident will not cover claims in respect of claims arising from pregnancy.
Under Section A, Cancellation or Curtailment and Section B, Medical and Other Expenses we will not cover claims arising from pregnancy where the period of the trip terminates less than 16 weeks before the date of delivery as estimated by a Hospital or Registered Medical Practitioner. However where the insurance has been effected prior to confirmation of the pregnancy by such Hospital or Registered Medical practitioner and in the event of You effecting immediate cancellation of the trip upon receipt of such confirmation We will indemnify You under Section A.
N.B. - Important. If you have an Annual Insurance policy, regarding the second part of exclusion 7. above ('however where the insurance has been effected prior to confirmation of pregnancy...') It must be noted that each time you book a trip the insurance is considered to become effective again at this date and expire when you return to the UK, then remains dormant until you book another trip, therefore this part of the exclusion would only apply to any trips that you have booked and the insurance was effective before you discovered you were pregnant.