1. Am I covered if I am pregnant?
Yes, cover is provided for complications of pregnancy. Please refer to the meaning of words in the policy wording for the definition of complications of pregnancy and childbirth. Please note that if the due date coincides with the time of travel there is no cover under this policy.
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2. What is a policy Excess?
Most sections of the policy carry an Excess. This is the first amount of any claim that you will have to pay. The amount may vary depending on the level of cover you have chosen. It is applicable per person per section.
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3. What is a Pre-existing Medical Condition?
1. Any past of current Medical Condition that has given rise to symptoms or for which any form of treatment or prescribed medication, medical consultation, investigation or follow up/check-up has been required or received during the 2 years prior to the commencement of cover under the policy and/or prior to any Trip, and
2. any cardiovascular or circulatory condition (e.g. heart condition, hypertension, blood clots, raised cholesterol, stroke, aneurysm) that has occurred at any time prior to the commencement of cover under the policy and/or prior to any Trip.
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4. How do I make a claim?
To Claim, phone the claims helpline on 0044 (0) 343 658 0345 quoting your name and policy number
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5. How many children can I insure on a Family policy?
Up to 5 children under the age of 18.
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6.What are the Terms and Conditions?
Terms and Conditions are another expression for the Policy Wording. You need to read the Policy Wording carefully because it sets out the cover that you have purchased and also the conditions that you need to meet in order to make a claim.
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7. What are my cancellation rights?
If after reading the policy wording you decide the terms of the insurance contract does not meet your requirements you can, WITHIN 14 DAYS OF THE DATE YOU RECEIVED YOUR DOCUMENTS, return it for a full refund. No refunds will be given for policies cancelled outside 14 days.
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8. What do Winter Sports cover?
Provided you have paid the Winter Sports upgrade, you are covered for: ski equipment, piste closure, avalanche cover, ski pack costs up to the limits shown on the summary of cover. Activities covered are:

Cat skiing (with guides) Snow blading (no jumping tricks)
Cross country skiing Snow/Ski bobbing
Glacier skiing Snow scooting
Ice hockey Snow shoe walking
Langlauf (cross country skiing) Snow shoeing
Monoskiing (not for time trials/speed skiing or racing Snow tubing
Skiing on piste Snow blading
Skiing or snowboarding off piste (within local ski patrol guidelines Snow boarding on piste
Sledging/tobogganing

Your policy can be extended to cover the following winter sports when you have paid the additional winter sports premium, but no cover will apply in respect of any Personal Accident or Personal Liability claims:

Kite snowboarding Snow carting
Snow go karting Snowmobiling
Skidoo Snowmobile safari

You will not be covered for any claims arising directly or indirectly when engaging in or practising for the following winter sports:

Arial skiing Ski bob racing
Air boarding Ski jumping
Biathlon Ski mountaineering
Bobsleigh/Skeleton bobsleigh Ski race training
Freestyle skiing Ski racing
Heli skiing or heli boarding Ski randonee
Ice climbing Ski stunting
Ice diving Ski touring
Ice fishing by snowmobile (snowmobile driven by guides) Sky yawing
Ice fishing by snowmobile (snowmobile not driven by guides) Skiing off piste (outside local ski patrol guidelines/outside recognised and authorised areas)
Ice holing Snow biking
Ice marathon Snow cat driving
Ice speedway Snow kiting
Nordic skiing Snow parascending
Paraskiing Snowboaring off piste (outside local ski patrol guidelines/outside recognised and authorised areas)
Ski acrobatics/aerials Tandem skiing

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9. What do I do if I need medical assistance when travelling?
Please notify the Medical Assistance helpline on 0044 (0) 343 658 0343 or 0044 (0) 1293 652842 about any serious illness or accident abroad where you have to go into hospital or you may have to return home early or extend your stay (you should first check that the circumstances are covered by your policy). Please provide your name and policy number.

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10. Can we travel independently on our Couple/Family travel insurance policy?
Each adult can travel independently, children can also travel independently but must be accompanied at all times by a responsible adult.
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11. How often can I travel on an Annual Multi Trip policy?
The policy lasts for the complete 12 months, and you can take as many trips/holidays as you wish during the year. Any individual trip or holiday must not last longer than 31 days. If a trip is for a longer period you will need to purchase a Single Trip policy for that particular trip. 17 days Winter Sports cover can be added for an additional premium and Business Cover & Golf Cover, for a maximum of 31 days in total for the whole year, are available at an additional premium. Please contact Rock Insurance on 0343 658 0353
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12. What is the difference between Standard, Premier and Premier Plus cover?
These are the different levels of cover offered under this policy. Standard offers the least cover, with the highest excess for the cheapest premium. Premier offers a wider range of cover at higher levels with a reasonable excess and is priced reasonably. Premier Plus cover provides the widest range of cover and the highest levels of protection for you and requires you to pay the least amount of excess. As a result Premier Plus cover is the more expensive choice.
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13. How is my policy delivered?
Your policy is emailed directly to your email address shortly after being issued. Please note that some internet providers filter our automated e-mails as SPAM so please check your SPAM/junk folder if the e-mail has not been received. Alternatively for a small postage charge, your documents can be delivered by post.
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14. Do you offer cover for over 65s?
Yes we do. The maximum age for taking this policy out is 79 at the commencement of the policy for annual multi trips and 85 for single trips.

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15. Do you cover non-UK residents?
You need to live in the Great Britain, Northern Ireland or the Isle of Man and have not spent more than 6 months abroad in the year prior to purchasing the policy. If you are outside this limit then please contact Rock Insurance on 0343 658 0353.
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16. Can I go scuba diving when travelling?
Our policies do provide cover for scuba diving up to certain limits, Click here to see which activities are covered.
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17. Can children purchase cover if they are under the age of 18?
Yes, but they must pay the adult premium for their cover. The policy can only be issued by calling Rock Insurance on 0343 658 0353 .
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18. What products do you offer?
Single Trip policies
Annual Multi Trip policies with maximum trip duration of 31 days
For Individuals, Couples and Families (including Single Parent Family)
Including optional covers for Winter Sports, Golf and Business Travel
Standard, Premier and Premier Plus levels of cover
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19. What credit/debit cards do you accept?
We accept Visa, MasterCard, Maestro/Switch, Solo, Visa Electron, Delta and American Express.
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20. What happens if my bag is stolen with all my travel documents and money whilst I am travelling?
You must report theft or losses to the police or relevant authority within 24 hours of the event and obtain a written report. These reports are the only proof that the loss/theft did actually occur. If you leave luggage and personal items unattended in a public place then we cannot be held responsible for any resultant claim. You should always take reasonable care to look after your property and treat it as if it were not insured. There is no cover for cash or valuables left in an unattended vehicle at any time, even if the vehicle is locked.
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21. Are my glasses covered?
Glasses and prescription sun glasses are excluded from this policy.
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22. When do I need to purchase my travel insurance?
At the time of booking your travel arrangements to make sure that you have cancellation cover in place for that particular trip.

If your travel arrangements change then you must call Rock Insurance immediately on 0343 658 0353. You must be able to provide the correct period of insurance on your documentation in the event of a claim.

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23. What do I need to take on holiday with me?
Please ensure that you take a copy of your certificate of insurance and a copy of the full policy wording - these documents contain important numbers that you may require whilst travelling.
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24. Are my golf clubs covered?
Yes, up to £1,500 with a Single Article limit of £250, provided you have paid the additional premium for the Golf Cover extension.
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25. Am I covered for cancellation?
If you have paid the appropriate premium, you are covered for cancellation of your holiday for the reasons stated in the policy wordings. You may be able to claim (subject to the policy terms and conditions) for any travel or accommodation costs that you have either already paid or are contracted to pay, that you cannot reclaim from the tour operator.
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26. What is an Excess Waiver?
If your policy includes the Excess Waiver, you will not need to pay the excess on any claim. The Excess Waiver must be purchased at the time of booking the insurance and cannot be added on later. Please contact Rock Insurance on 0343 658 0353
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27. What is an EHIC (formally E111)?
If you intend travelling to European Union (EU) countries, the European Economic Area (EEA) or Switzerland, we would advise you to obtain a Form CM1 from your local main Post Office. On returning this, duly completed, to the main Post Office you will be issued with a European Health Insurance Card (EHIC), which will entitle you to certain free or reduced cost health arrangements in the EU, EEA or Switzerland. (Full details are given in the DSS Leaflet No. SA40).
NB: In the event that you have used the EHIC to effectively reduce the cost or your treatment or medicines; then you will not have to pay an Excess in relation to any medical related claims.
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28. What vaccinations do I need?
You should check with your doctor as soon as possible. Your doctor will be best advised to tell you what vaccinations are required, if any.
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29. Can I change my policy?
We can change your policy within 14 days of purchase (except to add on excess waiver), after this you will only be able to make administration changes such as departure / return dates, extend the policy to cover Dangerous Activities or upgrade the benefit levels within the policy. Please contact Rock Insurance on 0343 658 0353.
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30. Which Special Sports and Activities are covered?

OPTIONAL SPECIAL SPORTS & ACTIVITIES COVER

What is covered:
Benefits under the sections of cover already described under Sections 1 - 39 in your policy document are extended to cover special sports & activities as follows.
Please note that all terms, conditions and exclusions (except where these are amended under this upgrade) continue to apply for all sections. You must read these extensions in conjunction with all sections to which they relate and refer back to them when appropriate for full cover details.
This policy specifically excludes participating in or practising for certain sports and activities. Please see the following tables to confirm which sports and activities are covered on a non-competitive and non-professional basis during your trip activities shown as do not require additional premium to be paid.

When purchasing your policy you will be provided with the option of selecting cover for either Category A or Category B Sports and Activities.

Purchase of Category A will only cover you and all insured persons for activities listed under Category A.
Purchase of Category B will cover you and all insured persons for activities listed under Categories A and B, but will not include cover for Personal Liability or Personal Accident.

Activity	Category	Conditions
Abseiling	Included	Must be within organiser’s guidelines
Aerobics	Included
American Football	A
Archery	Included
Athletics	Included
Badminton	Included
Ballroom dancing	Included
Ball hockey	A
Bamboo rafting	Included
Banana boating	Included
Bar work	Included
Baseball	Included
Billiards	Included
Bird watching	Included
Black water rafting/canoeing/tubing	Included	Up to grade 3 only
Black water rafting/canoeing/tubing	B	Up to grade 4 only
Blade skating	Included
Blowcarting (land sailing in a kart)	Included	No Personal Liability or Accident cover
Board sailing (wind surfing)	Included
Body boarding	Included
Bowling	Included
Bowls	Included
Breathing Observation Bubble (BOB)	Included
Bridge swinging	Included
Bungee jumping	Included	Must be within organiser’s guidelines
Camel riding	B
Camping	Included
Canoeing	Included	Up to grade 2 rivers only
Caravaning	A
Catamaran sailing	Included	If qualified. No Personal Liability or Accident cover
Clay pigeon shooting	Included	No Personal Liability or Accident cover
Climbing	Included	On a climbing wall only
Cricket	Included
Croquet	Included
Curling	Included
Cycling	Included	Occasional, not main purpose of trip
Dancing	Included
Darts	Included	No Personal Liability or Accident cover
Deep sea fishing	Included
Devil karting	Included	Unpowered. No Personal Liability or Accident cover
Dinghy sailing	Included	No Personal Liability or Accident cover
Dirt boarding	Included	No tricks or jumps. No Personal Liability or Accident cover
Donkey ride	Included
Dune bashing	Included	No Personal Liability or Accident cover
Endurance tests	A
Elephant riding	B
Elephant trekking	B	Non-UK booked trip
Elephant trekking	B	UK booked trip
Fell walking	Included
Fencing	B
Fishing	Included
Fives	A
Flag football	A
Flying as a passenger	Cover not available	Except as a fare paying passenger in a licensed passenger carrying aircraft
Football beach kick around	Included
Football/soccer	Included	Non-competitive
Free swimming	Included	Freestyle only
Fresh water/sea fishing	Included
Frisbee	Included	No Personal Liability or Accident cover
Gaelic football	B	No Personal Liability or Accident cover
Glacier walking	Included
Glass bottom boats	Included
Gliding	Included	No cover for crewing or piloting
Go karting	Included
Golf	Included
Gymnastics	Included
Handball	Included
Helicopter ride	Cover not available	Except as a fare paying passenger in a licensed passenger carrying aircraft
Hiking/trekking/walking	Included	Below 2,500 metres
Hiking/trekking/walking	A	Between 2,501 and 4,000 metres
Historical research	Included
HobbieCat sailing	Included	No Personal Liability or Accident cover
Hockey	A
Hot air ballooning	Included	Organised pleasure rides only
Hurling	B
Husky dog sleigh ride	Included
Husky safari	Included
Hydrospeeding	B
Hydro zorbing	Included
Ice skating	Included
Indoor climbing	Included	On climbing wall
Indoor skating	Included
Inline skating	Included
Jet boating	Included	No racing. No Personal Liability or Accident cover
Jet skiing	Included	No racing. No Personal Liability or Accident cover
Jogging	Included
Karting	Included	No Personal Liability or Accident cover
Kayaking	Included	Up to grade 3 only
Kayaking	B	Up to grade 4 only
Keepfit	Included
Kick sledding	Included
Kite boarding on water	Included	No Personal Liability or Accident cover
Kite surfing	Included	No Personal Liability or Accident cover
Kiting	Included	On ground, not used to propel forward
Korfball	Included
Lacrosse	A
Land skiing	Included	Not on snow. No Personal Liability or Accident cover
Lasso throwing	Included	Not rodeo
Low ropes	Included	Less than 1m from ground. No Personal Liability or Accident cover.
Model flying	Included	Not pilot or passenger carrying aircraft. No Personal Liability or Accident cover.
Model sports	Included	Model radio controlled cars, aircraft, boats etc.
Motorcycling	Included	Up to 125cc
Mountaineering	A	Below 2,500 metres
Mountain biking	Included	General cross-country, off road cycling
Mountain boarding	Included	No jumping/racing/tricks. No Personal Liability or Accident cover.
Mud buggying	Included	No Personal Liability or Accident cover.
Netball	Included
Octopush	Included
Organised safari without guns	Included
Orienteering	Included
Outdoor endurance events	A
Overland trips	Included
Paintballing	Included	Wearing eye protection. No Personal Liability or Accident cover.
Parascending over land	A
Parascending over water	Included
Passenger sledge	Included	Horse and carriage
Pedalo	Included
Petanque	Included
Pilates	Included
Pigeon racing	Included	No Personal Liability or Accident cover
Pistol shooting	Included	Within organiser’s guidelines. No Personal Liability or Accident cover
Pony trekking	Included
Polo	B
Quoits	Included
Rackets	Included
Racquet ball	Included
Rambling	Included
Rap jumping/running	Included	Within organiser’s guidelines
Reenacting	Included
Reindeer safari	Included
Reindeer sleigh ride	Included
Restaurant work	Included	No Personal Liability or Accident cover
Rifle range shooting	Included	No Personal Liability or Accident cover
Ringos	Included
River bugging	Included
River tubing	Included	Up to grade 2 only – not through caves
Roller blading	Included
Roller skating/blading	Included	Wearing pads/helmets
Rounders	Included
Rowing	Included	Except racing
Rugby	A	League/Union/Sevens/Touch – non-competitive only
Running	Included	Non-competitive
Safari	Included	Organised by bona fide tour operator with no guns
Safari	A	Organised by bona fide tour operator with guns
Safari trekking in a vehicle	Included	Must be organised tour
Safari trekking on foot	Included	Must be organised tour
Sailboarding	Included
Sailing/yachting in-shore	B	Crewing, no racing
Sailing/yachting off-shore	B	Recreational, no racing
Sailing/yachting in-shore	Included	Recreational, no racing. No Personal Liability or Accident cover
Sandboarding	Included	No Personal Liability or Accident cover
Scuba diving up to 10 metres with dive buddy	Included	Within organiser’s guidelines
Scuba diving 10 to 18 metres with dive buddy	Included	Within organiser’s guidelines: PADI Open Water Qualified
Scuba diving 18 to 30 metres with dive buddy	Included	Within organiser’s guidelines: PADI Advanced Open Water Qualified
Scuba diving 10 to 20 metres with dive buddy	Included	Within organiser’s guidelines: BSAC Ocean Diver Qualified
Scuba diving 20 to 30 metres with dive buddy	Included	Within organiser’s guidelines: BSAC Sports Diver Qualified
Sea fishing	Included
Sea kayaking	Included
Segway	Included
Shinty	B
Shooting	Included	Within organiser’s guidelines. No Personal Liability or Accident cover
Skateboarding	Included	Wearing pads & helmet, no tricks or jumping
Sledging	Included	Pulled by horse or reindeer as a passenger
Sleigh rides	Included	Horse pulled only
Small bore target shooting	Included	Within organiser’s guidelines
Snooker	Included
Snorkelling	Included
Softball	Included
Speed skating	A
Street hockey	A	Wearing pads and helmet
Sphereing	Included
Squash	Included
Stoolball	Included
Stoopball	Included
Summer tobogganing	A
Surfcasting	Included
Surfing	Included
Swimming	Included
Swimming with dolphins	Included
Table tennis	Included
Target rifle shooting	Included	Within organiser’s guidelines. No Personal Liability or Accident cover
Telemarking	Included	No Personal Liability or Accident cover
Ten pin bowling	Included
Tennis	Included
Trampolining	A
Tubing	Included
Tug of war	Included
Volleyball	Included
Wadi bashing	Included	No Personal Liability or Accident cover
Wakeboarding	Included
Walking	Included
Walking up Sydney Harbour Bridge	B
War games	Included	Wearing eye protection. No Personal Liability or Accident cover
Water polo	Included
Water skiing	Included
White water rafting/canoeing	Included	Up to grade 3, within organiser’s guidelines
White water rafting/canoeing	B	Grade 4 only, within organiser’s guidelines
Wicker basket tobogganing	Included	No Personal Liability or Accident cover
Wind tunnel flying	Included	No Personal Liability or Accident cover
Yoga	Included
Zorbing	Included

If you are undertaking a pursuit or activity which is not listed in this policy or are in any doubt as to whether cover will apply, please call our Travel Helpline as quoted on your certificate of insurance.

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31. Will this policy cover me if my Trip has been Dynamically Packaged?
Yes, cover is provided irrespective of how your Trip / holiday has been packaged together.
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