Claims Information – Spectrum Travel Insurance

How To Make A Claim

Should you need to make a claim following a trip away, it’s our aim to deal with it as efficiently as possible. The terms and conditions of your policy guide us in regards to any claim we receive and you can use this to provide you with further information too.

To get the claim process started you will need to download and complete the relevant claim form.

Below you will find a list of forms split into different claim classifications. Please select the form that’s related to your specific claim type and fill this out with as much information as possible. You will then need to send us the completed form, along with any accompanying evidence that’s required.

Downloading A Claims Form

If you needed to cut short your trip and return early, please download and complete this claim form. Please note, this section of your policy applies if you have to return home early due to specified reasons such as: injury or illness of yourself, a close relative or someone travelling with you.

Click here to download a Curtailment Claims Form.

If you were delayed at your international departure point, you may be able to claim a benefit for each 12 hours you were delayed. This claim form is also applicable if you were forced to abandon your trip after a 24 hour delay, or if the piste was closed during your winter sports trip.

Click here to download a Delay Claims Form.

If you sought medical attention during your trip and incurred expenses, such as treatment costs or repatriation expenses, please download and complete this claim form. If you’re still in the process of having or seeking treatment, please contact our 24/7 Assistance team.

Click here to download a Medical Expenses Claims Form.

If your personal possessions were lost, stolen, damaged or delayed during your trip, please download and complete this claim form. This includes things like cash, travel documents, delayed baggage and valuables – the limits for each will be clearly explained in your policy wording.

Click here to download a Personal Possessions Claims Form.

If you need to make a claim for lost, stolen or damaged gadgets, please see the section below.

As part of your claim, we may need you to complete our Access to Medical Records form,to grant us authorisation to access your records. Simply ask your UK General Practitioner (GP) to fill in this section and attach it to your claim form alongside any other supporting documentation.

Click here to download our Access to Medical Records Form.

FAQs

A master policy number is a unique number to the product you have purchased, it is not individual to you, but instead helps our claims team identify what type of policy has been purchased in the event that you can’t remember the name of the policy or your specific policy number. The Master Policy Number is usually found on the front page of your policy wording.

Proof of return home is required to ensure that the policy is being used appropriately. Travel Insurance is not private medical insurance and is not intended for people living abroad. If you are living overseas then it is likely you need to purchase a specialist insurance and not travel insurance. Proof of return is either a return ticket, evidence of your intention to return to the UK on a permanent basis – so university placement, job contract, rental/housing agreement – ‘expiry’ of a visa cannot be accepted as proof of return as these can be extended/renewed easily or precede an application for residency status in certain countries.

Most travel policies in the UK do not offer new for old cover for items lost or stolen while you are away. Most are likely to offer the original purchase price, less deductions for wear and tear. In some cases particularly with high value items, it is worth considering utilising your household policy which may have all risks cover for items away from the home, or look specifically for cover with ‘new for old’ included. More information on our wear and tear policy can be found here.

Ideally yes, we understand it may not always be possible to get a police report and so accept loss reports from independent third parties such as a hotel, tour operator, flight company etc.. you need to obtain this as soon as possible following the loss, we will not accept police reports obtained following your return to the UK.