Travel Insurance FAQs - Admiral (2024)

You’ll be covered if there’s any disruption to your flights (in line with current cover and exclusions) if you already have travel cover or have booked a trip on your annual policy.

If there’s an official warning from the Government or airlines that suggests flights are likely to be disrupted, customers buying new policies may not be covered.

You have to buy a group policy if you don't live at the same address as your partner.

Our definitions are:

• Individual policy – one adult aged 18 orover.
• Couple policy - two adults aged 18 or over who live at the same address and are in a relationship.
• Family policy – two adults aged 18 or over who live at the same address plus at least one child (maximum 5).
• Family one adult policy – one adult plus at least one child (maximum 5).
• Group policy - between two and ten individuals, who don't need to live at the same address. Each adult is covered to travel individually as well as together.

Terrorism is excluded from all sections of the policy except for the Emergency Medical and Repatriation, Personal Belongings, Personal Accident and Hijack sections (where cover is provided as part of the platinum tier only).

Terrorism is any act or threat of action by a person or group intended to influence a government or to frighten the public or any section of it.

Acts of terrorism can include:

• violence against a person
• damage to property
• putting life in danger
• creating a health risk to the public
• interfering with or seriously disrupting computer systems or transport services including cyber terrorism
• biological, chemical or nuclear force or contamination

You can take as many trips as you want within 365 days (as per the dates shown on your policy schedule), providing each trip lasts no more than 31 days. If you need cover for trips longer than 31 days, let us know when you get a quote (subject to eligibility).

Take a look at our Annual Travel Insurance page to learn more.

Cover can’t be bought for a child under the age of 18 alone. A child under 18 can be added to our family policies where at least one adult over the age of 18 is also going on the trip (single trippolicies).

A child can be added to annual multi trip family policies where the insured adult will travel later in the policy term. Each insured child under the age of 18 will only be covered if they’re travelling with a responsible adult. This adult doesn’t need to be insured withus.

If your baggage is delayed or lost in transit, you should tell the company transporting your baggage within 24 hours of discovery. Ask them to complete a Property Irregularity Report or give you with a baggage loss receipt. If your baggage is delayed for more than 12 hours from when you arrive at your destination, your policy provides cover to buy necessary items (up to £50, £100 or £150 depending on your tier ofcover).

If your baggage is stolen, you should report this to the local police within 24 hours of discovering the theft and get a written report. You can claim (up to £1,000, £2,000 or £2,500 depending on your tier) for stolen or lost items. There's a single item limit and total valuables limit (up to £200, £300 or £400 depending on your tier).

If you or someone covered by your policy becomes ill or is injured during your trip and needs emergency medical treatment, please go to a public medical facility and contact our 24 hour emergency assistance line on +44 (0)29 2010 7777 as soon as youcan.

Please call this number if you're unsure where to get treatment, you think costs may go over £500, or you think you'll need to cut your tripshort.

For minor ailments while abroad, pharmacies and public health facilities are often able to give advice and provide treatment. If costs are more than the policy excess and you want to make a claim, please keep all receipts and call our claims line on03332349914.

The maximum length of a Single Trip policy is 12 months, making it ideal for backpackers and students taking a gap year.

If you choose an Annual Multi-Trip policy you can take as many trips as you want within 365 days (as per the dates shown on your policy schedule), providing each trip lasts no more than 31 days. If you need cover for trips longer than 31 days, let us know when you get a quote (subject to eligibility).

If you have to extend your trip for medical reasons our policies will automatically provide cover until you returnhome.

If you have a single trip policy and need to change your travel dates, you must contact us before you go on yourtrip.

If you have annual multi-trip cover, the maximum length per trip on the policy is 31 days as standard unless we've agreed to cover you for a longer trip and this is stated in your policy schedule.

If your annual policy is due to end while you're on holiday and your policy is not set up to automatically renew, please contact us before you travel so we can arrange for your policy to continue while you'reaway.

We’ll pay £25 for each 12 hours you are delayed (up to a maximum of £250 or £300 depending on your cover tier) from starting your journey due to severe weather.

If your transport is delayed for more than 24 hours or cancelled and cannot be rearranged for over 24 hours, cover is provided (for costs up to £1,000 on Admiral, £3,000 on Admiral Gold and £5,000 on Admiral Platinum) if you decide to cancel or abandon your trip.

Additional transport and accommodation cover

We can reimburse you for additional transport and accommodation costs if you decide to continue with your trip after:

• your prebooked transport was delayed for more than 24 hours
• your transport was cancelled, and no alternative could be found within 24 hours of your original departure time

We can only reimburse you these costs if they are less than the cost of abandoning the trip.

We won't make any payments if they aren’t additional to costs you were already expecting to pay - for example if you get a refund and the cost of alternative transport or accommodation is less than the refund. Check your policy book for fulldetails.

Yes, we can provide worldwide cover for customers up to the age of 75 years for annual multi trip policies – and up to 85 years for single trip policies.

However, the age limit and level of cover we can offer will depend on your personal information and details of your holiday.

Please get a quote or contact us to find out more.

In the future, it's possible UK citizens will need a travel permit as part of the European Travel Information and Authorisation Scheme (ETIAS).

If you can’t go on your trip because you don’t have the correct visa or permit, you won’t be able to claim on your cover.

The Government recommends UK travellers have at least six months left on their passports from the date they arrive in an EU country when travelling after 29 March 2019. Check the validity of your passport online with this handy tool.

If you can’t go on your trip as you don’t have enough time left on your passport (or you didn’t renew it in time), you won’t be able to make a claim.

Ifyour EHICis still in date, you can use it when you travel. Otherwise you’ll need to apply for the new Global Health Insurance Card (GHIC).

If you have a medical emergency while you're abroad, you're injured, fall ill, or have to cut your trip short please call our 24-hour Emergency Assistance Helpline on +44 (0)292 010 7777.

Yes, Admiral’s holiday insurance covers emergency medical treatment and repatriation as standard. Our emergency assistance service may arrange for your repatriation to your home area if our medical adviser or the doctor treating you thinks it’s safe. The amount covered depends on the tier you choose:

• Admiral: up to £10m
• Gold: up to £15m
• Platinum: up to £20m

Single trip travel insurance covers you for one trip only, lasting up to 365 days. You must set off from and return to the UK.

This is different to an annual travel insurance policy, which covers all the trips (up to 31 days at a time) you take in 12 months.

Your Admiral policy will cover trips to:

• Northern Ireland
• England
• Scotland
• Wales
• The Isle of Man
• Channel Islands

You must be travelling more than 25 miles away from your home address and staying for two or more consecutive nights to get the cover.

Having cover when you travel isn't a legal obligation, but consider if you could pay the medical bill if something happened. In Australia, getting you home with a broken leg can cost £12,000. See our Getting Ill Abroad map for more information on medical costs for common illnesses in holiday destinations.

Yes, we can provide worldwide cover for customers up to the age of 75 years for annual multi trip policies – and up to 85 years for single trip policies.

However, the age limit and level of cover we can offer will depend on your personal information and details of your holiday.

Please get a quote or contact us to find out more.

If you need medical treatment after an assault, Admiral Travel Insurance will cover you, unless you’ve put yourself in needless danger (other than to save someone’s life).

Travel insurance is designed to cover you against the unexpected. If you’ve picked a fight with someone and ended up injured because of it, your claim may not be successful as you put yourself at risk.

Pregnancy isn’t considered a pre-existing medical condition, so there’s no need to tell us before you travel.

However, make sure you tell us about any medical conditions you have because of your pregnancy, such as gestational diabetes or high blood pressure. If you don’t, you might not be covered should you need medical assistance.

We’ll only cover complications of pregnancy and childbirth abroad (as described in the ‘Definitions’ section of our policy wording) so you aren't covered for routine medical care such as check-ups, pre-natal care, normal childbirth and post-natal care. There’s also no cover if the carrier denies you boarding.

In case of a serious medical emergency during your trip, please call our 24-hour Emergency Assistance Helpline on +44(0)2920107777 before going into hospital or incurring medical expenses over £500, so we can help you.

For non-medical emergency claims:

• For policies renewed before 5 May 2020, call our claims team on 01243218437. Our lines are open Monday to Friday 8:00-20:00 and Saturday 9:00-16:00
• For policies bought or renewed after 5 May 2020, call our claims team on 03332349914. Our lines are open Monday to Friday only 9:00-17:00

For travel insurance purposes, Cyprus is classed as in Europe by Admiral Travel Insurance. If you’re travelling to Cyprus, it’s important to be aware of the north/south divide in the country.

The north is run by Turkey and accepts the Turkish lira for currency. Whereas the south is mainly inhabited by Greek Cypriots and accepts the Euro.

Russia, west of the Urals, is covered by Admiral’s European travel insurance. The Ural Mountains approximately run from north to south in western Russia and forms part of the conventional boundary between the European and Asian continents.

You’ll need a visa to travel to Russia and it’s best to apply in plenty of time. For more information visit the Russian Embassy’s website.

You’ll be covered if there’s any disruption to your flights (in line with current cover and exclusions) if you already have travel cover or have booked a trip on your annual policy.

If there’s an official warning from the Government or airlines that suggests flights are likely to be disrupted, customers buying new policies may not be covered.

If your routine vaccinations are up to date, you’ll need no extra jabs to visit Australia.

For more information on where, when and how to get vaccines, take a look at our guide to travel vaccinations.

There are no specific vaccination requirements for China but your doctor may recommend thefollowing:

• Hepatitis A
• Hepatitis B
• Rabies
• Tetanus
• Tick-borne Encephalitis
• Typhoid

Cholera and Japanese Encephalitis are recommended for the highest riskpeople.

You should make sure your usual recommended vaccinations and boosters for life in Britain are up todate.

China is a relatively safe country to travel around by yourself. But all travellers should keep an eye on their money and valuables – don’t fall victim to pickpockets or scammers.

Other than that, the most challenging thing is likely to be the language barrier.

The FCDO advice states that China isn’t an unsafe country, but scammers do tend to operate in tourist areas. You may be invited to a bar for a massage or tea tasting, only to be told you need to pay a huge fee and possibly even threatened.

You should also check the QR sticker on bikes before renting them, as there have been instances in the past when the correct sticker has been replaced with a fake one, with the money going into an incorrect account.

There aren’t any specific vaccinations for travel in Egypt if your routine vaccinations as recommended in the UK are up to date.

For more information on where, when and how to get vaccines, take a look at our guide to travel vaccinations.

The Turkish government advises you should have at least six months validity on your passport when you travel to Turkey. You should also have a full blank page for the entry and exit stamps.

Read more about Turkey’s entry requirements: Travelling to Turkey? Don’t forget your e-Visa.

British citizens don’t usually need a visa for short term travel in Canada, but you may need one if you’re staying for a longer period for study or work. Find out if you need a visa by checking the Canadian High Commission website.

If you’re flying into Canada, you’ll need an electronic travel authorisation (eTA), and you won’t be allowed on your flight without one. Find out more about the eTA and apply online by visiting the official Canadian government website.

If your routine vaccinations as recommended in the UK are up to date, you don’t currently need any other vaccinations when travelling to Canada – although you should check if you need a rabies booster.

For more information on where, when and how to get vaccines, take a look at our guide to travel vaccinations.

Admiral single trip and annual travel insurances cover pregnancy and you won’t pay more for your cover as it’s not considered a pre-existing medical condition. You’ll get the standard cover for things like:

• Lost luggage
• Travel disruption
• Lost or stolen belongings

But we’ll also cover the costs of any emergency medical treatment you receive as the result of complications during your pregnancy.

Please make sure you take enough medication to last your entire trip and include extra to allow for travel delays that mayoccur.

If you run out of prescription medication because you were unable to return home as planned because of illness or injury, we will pay for the cost of additional medication (a policy excess mayapply).

If your medication is lost or stolen, we'll refund you the cost of replacing it (a policy excess mayapply).

Admiral Travel Insurance covers the UK, Europe and Worldwide - but there are places that we don't cover.

Your travel insurance won't cover you if you visit somewhere the Foreign, Commonwealth and Development Office (FCDO) advises not to. Information from the FCDO can be found at www.gov.uk/foreign-travel-advice or by calling 02070081500.

Our winter sports insurance covers people up to and including the age of 75 if you’re travelling in Europe.

We don’t cover anyone over the age of 70 for winter sports if you’re travelling outside Europe.

Our winter sports travel insurance upgrade covers:

• Lost, stolen or damaged ski equipment
• Piste closure
• Delay caused by avalanche
• Replacement equipment hire

You’ll also get all the benefits of the standard travel insurance you bought – our winter sports upgrade gives you extra cover for when you’re skiing or snowboarding.

Absolutely – we offer family holiday insurance for families living at the same address. This can be parents, step-parents, grandparents, aunts, uncles, cousins and children under18.

You can add up to two adults and a maximum of fivechildren to the cover. Simply add on our winter sports upgrade for cover on theslopes.

The World Health Organisation (WHO) declared Coronavirusa 'pandemic' as of 11 March 2020.

Here are some useful external links forguidance on your entitlement in the Coronavirus situation.

1. To review your rights for trip cancellations and refunds visitABTA
2. Customers planning to travel should refer to the Foreign,Commonwealth and Development Office (FCDO)Coronavirus travel advice pageand sign-up to e-mail alerts
3. UK citizens overseas can review travel advice for the country they're visitingto help plan accordingly
4. Civil Aviation Authoritygives information for customers, holidaymakers and the industry on Coronavirus

Before submitting a claim, please refer to the relevant section of the FAQs for information about what's covered under your policy and consider the steps outlined in 'How can I make a claim?' below.

There’s no cover for cancelling or cutting short your trip if you’re refused entry to your destination or because you don’t meet the country's entry requirements including any health requirements. Please refer to your policy terms and conditions.

You should speak to your travel provider as they may be able to help you, and you should continue to monitor theFCDO advice.

Unfortunately, we won't cover claims due to the actions or failure of any company providing or organising your transport or accommodation, to provide those services (whether caused by error, insolvency, bankruptcy, liquidation, omission, default or other reason).

If you have not yet travelled and you had flights arranged as part of a package holiday you'll have ATOL protection, meaning you'll either be reimbursed or the company you booked with will find alternative flights.

If you paid for a service directly with your debit or credit card, and the retailer has not provided that service, you may be eligible to make a claim for a refund through your credit card provider under Section 75 of the consumer Credit Act or through a chargeback scheme for debit cards.

Section 75 applies to payments between £100 and £30,000. The benefits of claiming from the card provider are that you’ll be able to claim the full costs of your booking, for all people in the booking, and won’t have to pay an excess or be restricted by cover limits.

The terms of your policy cover you for irrecoverable losses, so before we can consider a claim you'll need to contact the card provider (if eligible), to request a refund.

If you're already abroad, you should either contact your tour operator, if the flights were booked as part of a package, or you'll need to arrange a new flight to return home and pay for the new ticket. You should then seek a refund for the cost of the original flight, using one of the above methods.

ABTA has more information.

You may find that some of your planned excursions or tours have been cancelled. As these have been cancelled by the provider, you should seek a refund from them directly.

If the reason you’re travelling is for an event that’s since been cancelled, you won’t be able to make a claim for cancelling your whole trip for this reason.

If you paid for a service directly with your debit or credit card, and the retailer hasn't provided that service, you may be eligible to make a claim for a refund through your credit card provider under Section 75 of the consumer Credit Act or through a chargeback scheme for debit cards.

Section 75 applies to payments between £100 and £30,000. The benefits of claiming from the card provider are that you’ll be able to claim the full costs of your booking, for all people in the booking, and won’t have to pay an excess or be restricted by cover limits.

How does Coronavirus affect my cover?

Your travel insurance policy has a general exclusion for Covid-19 and anticipated events. We’ll provide cover for Emergency Medical and Repatriation if you test positive for Covid-19 provided you aren’t travelling against FCDO advice and Cancelling or Cutting short your trip for the reasons specifically listed under 'Section 3’ of your policy wording. Please refer to your policy documents for full terms and conditions.

Anticipated event: that which you knew could happen, or could reasonably have expected to happen, and you were aware of it when your insurance started, or the date you booked your trip, whichever is later.

Am I covered for cancelling or cutting short my trip if the FCDO advisory against travel remains in place or the FCDO changes its advice to against 'all' or 'all but essential travel' for my destination?

There is no cover under any section of your policy if you travel against FCDO advice, even if the trip is deemed essential. There is also no cover for cancelling or cutting short your trip if the FCDO advises against 'all' or 'all but essential' travel due to Covid-19 before or during your trip (for example, the FCDO advises that travellers abroad MUST return home).

You should speak with your travel agent, airline, hotel or accommodation provider as you may be able to reschedule your trip or get a refund. If you’re on your trip, as long as the FCDO hasn’t advised travellers at your destination to come home, you’ll still be covered as per your policy terms and conditions while you finish your trip. It is your responsibility to monitor the FCDO advice for any changes.

Please refer to your policy terms and conditions.

I was diagnosed with Covid-19 before my trip and must self-isolate/quarantine. Am I covered for cancellation?

If you test positive for Covid-19 within 14 days of your trip departure date and you’re required to quarantine or self-isolate, you can make a claim for cancelling your trip provided it was not an anticipated event. (For example, you had no reason to believe you may have Covid-19 or needed to take a test or self-isolate at the time of booking your trip, buying your policy or extending your cover.)

You can register a claim online. You’ll need to provide proof of a positive Covid-19 test as certified by a registered medical practitioner, a registered lateral flow test or if the lateral flow test can’t be registered, an acceptable letter from the NHS confirming the positive Covid-19 result. Photographs of a lateral flow test are not acceptable evidence. Please refer to your policy documents for full terms and conditions.

Am I covered for cancellation if my close relative, travel companion or close business associate contracts Covid-19 before my trip?

There’s no cover if your close relative, travel companion or close business associate contracts Covid-19 before your trip if they’re not named on your policy.

We’ll cover cancellation costs if your close relative (as defined in our policy wording) is hospitalised or dies within the 14 days prior to your trip departure date as a result of contracting Covid-19, provided it was not an anticipated event. (For example, you had no reason to believe they may have Covid-19 or they were not diagnosed with Covid-19 at the time of booking your trip, buying your policy or extending your cover).

Please refer to your policy terms and conditions for full details.

I have been denied boarding on my prebooked outbound travel due to symptoms of Covid-19 or testing positive for Covid-19. Am I covered?

If you have symptoms of Covid-19 or you test positive for Covid-19 and this was the confirmed reason for being denied boarding, you will be covered for cutting short your trip, provided it was not an anticipated event.

Anticipated event: that which you knew could happen, or could reasonably have expected to happen, and you were aware of it when your insurance started, or the date you booked your trip, whichever is later. (For example, you had no reason to believe you may have Covid-19 or needed to take a test or self-isolate).

You can register a claim online. You’ll need to provide proof of a positive test from a registered medical practitioner. Please refer to your policy documents for full terms and conditions.

Am I covered for cancellation if I need to self-isolate as a result of potential exposure to Covid-19 (e.g. NHS track and trace)?

There’s no cover for cancelling your trip because you choose to or were recommended to self-isolate due to potential exposure to Covid-19 (e.g. NHS track and trace), unless you need to self-isolate because one of your named travel companions has tested positive within the 14 days prior to their trip departure.

What happens if I get Covid-19 (Coronavirus) while abroad?

You’re covered for emergency medical treatment under Section 1 Emergency Medical Treatment and Repatriation up to your selected policy limits as long as you didn’t travel against FCDO advice, and it wasn't an anticipated event. For example, you had no reason to believe you had Covid-19 when travelling or you didn't travel against the your GP's advice.

You're also covered up to £1,000 per person for any additional travel and/or accommodation costs if you need to quarantine or self-isolate on your trip. However, you must contact our Emergency Medical Assistance team on +44 292 010 7777 as soon as you become unwell, so they can get you the help you need.

If I contract Covid-19 and am unable to come back to UK on my planned return date or am quarantined on my return to the UK, am I covered?

General quarantine requirements imposed on a population or area are not covered. If you’re unable to finish your trip as planned due to contracting Covid-19 and need to quarantine abroad, your cover will be automatically extended for you at no extra cost and we will provide cover as stated under Section 1: Emergency Medical and Repatriation until you can reasonably be expected to return home.

The cover will only apply if you did not travel against FCDO advice and the need to quarantine was not anticipated. (For example, it was not publicised before you travel, you had no reason to believe you had Covid-19 when travelling and you did not travel against medical advice.)

You should contact our Emergency Medical Assistance team on +44 292 010 7777 as soon as possible if you're put into quarantine or isolation so assistance can be offered if necessary.

Any additional accommodation or food costs should be covered by the authority that issued the quarantine, along with any reasonable out of pocket expenses that you incur. You should speak to your tour operator or resort manager to arrange this. However, if this is not the case you can submit a claim for consideration.

Associated costs such as loss of earnings due to your isolation are not covered.

If I’m unable to return home on my planned return date due to Covid-19 related travel disruption, travel restrictions or quarantine rules, am I covered?

There’s no cover for additional costs incurred due to Covid-19 related travel restrictions, travel disruption or quarantine rules imposed by any government or local authority on a population or area in any country. However, if you are unable to finish your trip as planned due to a delay that can’t be avoided, which includes flight cancellation, your cover will be automatically extended for you at no extra cost until you can reasonably be expected to return home.

If your original return journey is delayed or cancelled, your travel agent or airline should help you find alternative transport, accommodation or arrange a refund. You may have to book another plane, train, coach or boat yourself.

The FCDO has advised against travel to my destination due to Covid-19 but my travel provider has advised my trip is going ahead. Am I covered for cancellation?

It’s highly unlikely that travel providers would arrange a trip against FCDO advice. There’s no cover under any section of your policy if you travel against FCDO advice, even if the trip is deemed essential.

If the flight is operating but you follow FCDO advice and do not travel, there is no cover for cancellation under your policy as per our Coronavirus general exclusion. You should contact your travel provider for a refund or to reschedule your trip.

My airline/travel/accommodation provider has cancelled my booking due to Covid-19. Am I covered?

There is no cover for this scenario. If your booking has been cancelled by the company organising your transport or accommodation due to Covid-19, you should be offered an alternative booking, credit voucher or a full refund.

Am I covered for costs incurred as a result of being quarantined on my return from a red list country?

There is no cover for costs as a result of needing to quarantine upon return.

Before submitting a claim, please refer to the relevant section of the FAQs for information about what's covered under your policy and follow the applicable steps below.

If you've booked your trip through a tour operator or agent, you're entitled to a refund from them. You can review the Travel Arrangements Regulations here.

If you paid for a service directly with your debit or credit card, and the retailer has not provided that service, you may be eligible to make a claim for a refund through your credit card provider under Section 75 of the consumer Credit Act or through a chargeback scheme for debit cards.

Section 75 applies to payments between £100 and £30,000. The benefits of claiming from the card provider are that you’ll be able to claim the full costs of your booking, for all people in the booking, and won’t have to pay an excess or be restricted by cover limits.

The terms of your policy cover you for irrecoverable losses, so before we can consider a claim you'll need to contact the card provider (if eligible), to request a refund.

If you’re unable to recover some or all your costs,you can register your claim online or by calling 0333 234 9914.

Please only register your claim if you’ve:

• Returned from a trip and need to claim
• Had a trip cancelled and you’re due to travel within the next 30 days and your airline, tour operator or accommodation provider won’t reimburse your costs or make alternative travel arrangements for you

If you’re abroad and have a medical emergency (hospital treatments likely to incur medical expenses over £500) or need to cut short your trip, please call our 24-hour emergency assistance helpline on +44 292 010 7777.

Once your claim has been registered, we'll be in touch to ask for:

• Confirmation of the original booking, and which parts are non-refundable
• Evidence you’ve tried to get your money back through the airline, tour operator or accommodation provider
• Other supporting evidence relevant to your claim

You’re covered for emergency medical treatment under Section 1 Emergency Medical Treatment and Repatriation up to your selected policy limits as long as you didn’t travel against FCDO advice, and it wasn't an anticipated event. For example, you had no reason to believe you had Covid-19 when travelling or you didn't travel against the your GP's advice.

You're also covered up to £1,000 per person for any additional travel and/or accommodation costs if you need to quarantine or self-isolate on your trip. However, you must contact our Emergency Medical Assistance team on +44 292 010 7777 as soon as you become unwell, so they can get you the help you need.

If you completed a quote with us on or after the 08 January 2022 and your new trip dates are within 365 days of when the policy was purchased, you can amend your policy trip details through our secure online portal here.

If you are unable to amend your trip dates online, please contact us to discuss this further.

From 26 April 2021, we’ll provide cancellation cover to existing customers for the reasons specifically listed in Section 3 of our most recent policy wording. This new section of cover will apply regardless of when you bought a policy with us.

For any further queries, please refer to the FAQs in the 'New Customers: I want to buy a new travel insurance policy' section.

The amount we pay you depends on how long you've owned each item you're claiming for. We'll pay the full purchase price for anything less than a year old. For older items, the table below shows how much we'll take off your claim amount. Policy excess will apply.

Items over 12 months old are subject to wear and tear deductions.