Important Information for Customers with Pre-existing Medical Conditions

We are obliged to inform you of how to improve your access to travel insurance policies that includes cover for more serious medical conditions.

The following factors would determine when this information is relevant to you:

• You have not been offered, or we/the insurer, have declined a quotation wholly or partly due to a medical condition
• Your policy has been cancelled, wholly or partly, due to a medical condition
• You have been offered a policy with a medical condition exclusion, which cannot be removed from the policy
• You have been offered a policy with a medical condition premium of £100 or more
• You have been offered a policy in respect of which the medical condition premium is not known.

We would like to provide you with details of a ‘Medical Cover Firm Directory’, which is a publicly available directory that only lists firms that provide, or arrange, travel insurance policies that cover more serious medical conditions.  The directory will also show you enough information about each firm listed so you can make an informed initial choice about which provider might meet your needs.

Some of the advantages of using the directory make it easier for you to navigate the available market and make it more likely in finding a firm who:

• Is willing to offer cover for your condition
• Is willing to offer cover for your condition without specific exclusions
• Is willing to offer cover for your condition at a more affordable price.

The Money and Pensions Service (MaPS) has launched a travel insurance directory on its Money Advice Service website which can be accessed here:https://traveldirectory.moneyadviceservice.org.uk/en

Consumer enquires about the directory can be made to the Money Advice Service’s Customer Contact Centre, which is available Monday to Friday, 8am to 6pm using the details below:

Telephone – 0800 138 7777

Email – enquiries@maps.org.uk

Address – The Money Advice Service, Holborn Centre, 120 Holborn, London, EC1N 2TD

During the current emergency situation, our staff are continuing to provide the service we are renowned for delivering to our customers.

You can still contact us between 9 .oo a.m. and 5.00 p.m. Monday to Friday.

You might not be able to speak to the person you usually talk to, as it is very busy, but whoever you speak to will be there to help and advise.

The Department for Transport has set out its intended approach to motor insurance post-Brexit.  It confirmed the intention to remain part of the Green Card-free circulation area and to ensure the UK meets the requirements for third party motor insurance.

Flooding can be devastating to both homes and businesses, causing huge amounts of property damage along with the pain and frustration of dealing with the aftermath, which can take months to rectify. The environment agency has estimated that 2.4 million properties in England are currently at risk of river or coastal flooding, and there are an additional 3 million properties at risk of surface water flooding; 600,000 of these are at risk of both.

The devastation that flooding can cause to homes and businesses can be huge. Of the 28 million properties in the UK, more than five million are at risk of flood. On current trends up to 20,000 houses are likely to be built this year in flood risk areas.

Flood Re’s purpose is to promote the availability and affordability of flood insurance for eligible homes, while minimizing the costs of doing so, and manage, over its 25 year lifetime, the transition to risk reflective pricing for household flood insurance.

If you need any help or support with accessing insurances to include flood cover, please talk to us.