Frequently asked questions
We recognise that this is an uncertain time for you, our customers. That’s why we’ve put together the following FAQs on the impact Brexit may have on your insurance policy.
Your MORE THAN insurance policy will remain valid subject to its existing terms and conditions:
Your travel insurance will still cover any medical assistance required, even if there are changes to the European Health Insurance Card (EHIC) status. Your cover will still be subject to the normal requirements to disclose any pre-existing medical conditions.
In the case of delay or disruption to travel, you can contact your airline or travel provider. Customers who have purchased an ABTA or ATOL protected trip or have used a credit card or PayPal to make a payment will have additional consumer protection. Your travel insurance policy includes travel delay and disruption cover. The Cancellation, Delay and Missed Departure sections of the MORE THAN policy covers specified perils only, for example poor weather, strike, industrial action or mechanical breakdown. If a delay occurs that is not as a result of any of these reasons, you will not be covered.
Your travel insurance with MORE THAN gives you the comfort of being covered for emergency medical treatment for the time you must stay abroad. Please contact the 24-hour emergency helpline below for assistance if you need emergency treatment.
Call us on 0208 603 9884
If you have hearing or speech difficulties you can use Relay UK via textphone by adding 18001 before dialling; or simply download the Relay UK App on your mobile or tablet.
If you are still worried and would prefer not to travel at this time, let us know now and we may be able to extend your single trip insurance, provided that your new holiday is taken within 6 months. If you decide that you would rather take your break outside the EU, we are happy to update your cover to your new destination for you if the trip meets our terms and conditions and you pay the difference in premium.
If you decide not to travel at all and you have a single trip policy with no claims made, MORE THAN will cancel your policy and refund your premium in full. Please be aware that once a policy is cancelled, you will no longer be entitled to make any claims.
You are covered if you meet the terms of the United Kingdom Government Pet Travel Scheme (PETS) by the Department for Environment, Food and Rural Affairs (DEFRA). It is possible that in the future, travelling with your pet may involve more planning.
To make sure your pet is able to travel from the UK to the EU after 31 January 2020, read the government’s most up-to-date guidance on pet travel to Europe.
DEFRA recommends contacting your vet at least four months before travelling to get the latest advice.
Contact us for further information. Our team is here to help:
Your UK car insurance will continue to cover you to drive in the EU, Norway, Iceland, Switzerland, Serbia, Andorra, and Liechtenstein. From the 2 August, 2021 UK drivers do not need to apply for a Green Card when travelling in or between the UK and EU and in the countries listed above. This includes driving in Northern Ireland and across the border to the Republic of Ireland. UK Motorists driving in these countries will have access to the Green Card Free Circulation Area to enable driving across these European borders without producing a Green Card.
There are some countries that still require a Green Card to be produced when driving there, please visit Driving abroad - GOV.UK for the latest information. You will need to call us at least three weeks before your departure date to request a Green Card to ensure it arrives in time.
A Green Card is issued by your motor insurance company and has information about your vehicle such as its licence plate number and demonstrates that you have the necessary minimum motor insurance cover in place to be on the roads. If required in the country you are travelling to, or through, drivers must physically carry the green card with them whilst driving.
No, your breakdown cover will still work as usual across the EU if you have purchased the European breakdown option.
You can read the Government’s most up-to-date guidance on international driving permits, including checking which Post Offices offer this service and the Government’s guide to visiting Europe from 1 January 2021.
Contact us for further information. Our team is here to help.