This is the document that you will be issued with once you have paid for your holiday insurance. Travel insurance attracts a higher rate than other general insurance products and is currently set at 20%. Insurance Premium Tax, or IPT, is a government tax on general insurance products. If you do not answer the questions, correctly, it may affect any claim. It is very important that you answer the questions as accurately as you can to ensure that you are covered.
Some of them might seem personal, but your answers are completely confidential.
#Superduper free vs paid series#
However, you will just need to answer a series of multiple-choice questions that takes a few minutes. This is then used by the insurer to determine whether they will cover you and on what terms. The total score may also be affected by where you are travelling to. There will be a score for each of your medical conditions. It is used to calculate a risk score, which is determined from the questions you answer during medical screening. Medical screening provides the insurer with all the relevant facts to make a decision on whether they can offer holiday insurance. Most standard policies, on the other hand, may not cover your particular existing medical condition(s), which means you may find you are not fully covered if you needed emergency treatment abroad or if you had to cancel your trip as a result of your condition(s). As with all policies, terms and conditions will apply, so you will need to read the policy wording carefully. This means that if you were to cancel your holiday or fall ill abroad as a result of your medical condition(s), you would be covered.
#Superduper free vs paid full#
What is the difference between ‘specialist’ and ‘standard’ travel insurance?Īs a specialist travel insurance provider, Free Spirit is dedicated to providing holiday insurance for people of all ages and cover for most medical conditions and disabilities (subject to medical screening) so that you have full protection both before and during your trip. The GHIC Card: What is it and How Do You Get One?.Travel With Confidence With Free Spirit’s Safe Travel Advice.How Free Spirit Provides Helpful Customer Service.A Guide to Beach Holidays for Any Time of the Year.Face Flight Cancellation With Confidence.What can we Learn from a Country’s National Dance?.Free Spirit’s New Partnership with the Encephalitis Society.
#Superduper free vs paid for free#
Free Spirit’s Top 10 City Break Ideas in Europe.Travelling with Pre-existing Conditions.
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