Frequently asked questions
At 11pm on 31 January 2020, the United Kingdom exited the European Union. From 31 January 2020 – 1 January 2021, we are in a transition period. During this time, the UK and EU will make arrangements for travel, trade and business.
We recognise that this is still an uncertain time for you, our customers. That’s why we’ve put together the following FAQs on the impact this might 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 (EIHC) status. Your cover will still be subject to normal disclosure of any pre-existing medical conditions.
- In the case of delay or disruption to travel, the first contact should be with the airline or travel provider. Customers who have purchased an ABTA protected trip or have used a credit card will have additional consumer protection. You should also check if your travel insurance policy includes travel delay or 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 EHIC should remain valid until 1 January 2021.
For more information and latest updates on EHIC cards, please visit the Government’s healthcare guide for UK nationals visiting the EU.
Your travel insurance with MORE THAN gives you the comfort of being covered for emergency medical treatment for the time you have to stay abroad. Please contact the 24-hour emergency helpline below for assistance if you need emergency treatment.
For policies purchased or renewed on or after 25 April 2016, call 0208 603 9884.
For policies purchased or renewed before 25 April 2016, call 0124 362 1183.
Until 1 January 2021, you are able to travel to European countries with your UK passport until it expires. The Government recommends that you have at least 6 months left on both adult and child passports to travel to most European countries (excluding Ireland).
For further details about passport requirements and information on how to renew your passport please visit the Government’s travel to Europe advice page.
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 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, MORE THAN will refund your premium in full.
Contact us on 0800 980 5573 for further information, Monday to Friday, 9am to 5pm.
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 on 0330 100 7801 for further information. Our team are here to help:
- Existing customers and sales: Monday to Friday 8am to 6pm and Saturday 9am to 5pm
- Claims: Monday to Friday 9am to 5pm
If your current insurance covers you to drive in other EU and EEA member states now that we have exited the EU, you will still be covered. Your current motor certificate is the only document you need for travel to any EU and EEA member state during the transition period.
For further information about driving and travelling to the EU, please refer to your policy documentation and check the Government’s guide to visiting Europe from 1 January 2021.
Your current motor certificate is the only document you need to drive in any EU and EEA member state during the transition period.
This may change and you might need a Green Card in order to drive in the EU after the Brexit transition period ends, from 1 January 2021. We will continue to update this page with guidance for our customers.
No, your breakdown cover will still work as usual across the EU if you have purchased the European breakdown option.
Between 31 January 2020 and 1 January 2021, you will need to be a GB or Northern Ireland resident, over 18 and have a full UK driving licence in order to drive in the EU. You should also check the minimum driving age of the country you’re going to.
This may change and you might need extra documents in order to drive in the EU after the Brexit transition period ends.
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 on for further information. Our team are here to help:
Car insurance - 0330 100 0593
- Existing customers and sales: Monday to Friday, 8am to 6pm and Saturday, 9am to 5pm
- Claims: Monday to Friday, 9am to 5pm
Van insurance - 0330 102 4501
- Existing customers and sales: Monday to Saturday, 9am to 5pm
- Claims: Monday to Friday, 9am to 5pm