How to claim for personal accidents on your travel insurance

The insurance industry is paranoid about fraudulent travel insurance claims and may regard with the deepest suspicion any claim which does not have the necessary proof to back it up. It is therefore particularly important to take a copy of your policy – and any helpline card – when you go on holiday so that you can check what you have to do when faced with a holiday mishap. If you fail to take the action outlined in the policy guidelines, your claim will be rejected.
Waiting until you get home to see how to claim is not a good idea since it may then be too late to do what is required. It is a good idea to read through the ‘How to claim’ part of your policy before you set off so that you do not throw away any receipts and other back-up material that might be needed. Guidance on the type of back-up material you will need to provide – which depends on which part of the policy you are claiming under – is given below, but check your own policy for details of exactly what you will be expected to supply in support of any claim. You should also claim as soon as possible after getting home. If your claim is for less than the excess given in the policy, there is no point claiming.

Personal accident

You will need to get a medical certificate giving details of your injury – or in the case of death, a death certificate will have to be provided. Evidence of how the accident happened (a police report and witness statements) may also be required.