FAQs: Our Policies & Who Can Apply

Please select from the list below:

Who can Apply
Single Trip Travel Insurance
Extending the duration of your policy
Annual Multi Trip Travel Insurance
Winter Sports
Excess Waiver
14 Day Cooling Off Period
Top-Up cancellation
Non EU Residents

Who can Apply

The Campbell Irvine Direct travel insurance policy is only available for persons, irrespective of their nationality, who reside or intend to reside for a period of not less than 3 months in the UK or countries within the European Union. For annual multi trip policies you must permanently resident in the UK or countries within the European Union for the entire 12 month period of the policy.

For persons residing outside of the UK or European Union, please click here for details of our specialist policy available to persons living anywhere in the world.

Single Trip Travel Insurance

The Campbell Irvine Direct Single Trip Travel Insurance provides cover for any singular trip with specified dates and can be purchased for the following areas:

Area 1 - UNITED KINGDOM
Whilst insurance is available for holidays in the UK the Medical and Additional Expenses, In Patient Benefit and Criminal Injuries Benefit sections of the policy shall be inoperative.

Area 2 - EUROPE
Europe means the continent of Europe West of the Ural Mountains, and also countries bordering the Mediterranean, plus Iceland, Jordan, Madeira, the Canary, Azores and Mediterranean Islands.

Area 3 - WORLDWIDE excluding North America (USA and Canada)
(a) For any period of cover purchased Area 3 can include a single day/ night stop-over anywhere in the World for both outward and return travel.
(b) If the period of cover purchased is two months or more Area 3 can be extended to include a maximum of six days/ nights anywhere in the World.

Area 4 - WORLDWIDE including North America (USA and Canada)

If you return home before your policy expiry date all cover ceases.

Extending the Duration of your policy – (Single trip travel insurance only)

If whilst you are travelling you decide that you wish to continue your journey for longer that you had originally planned, unlike most UK Travel Insurances providers, Campbell Irvine will be happy to extend cover provided your original policy has not expired and you have not made a claim.

Annual Multi Trip Travel Insurance

Our Annual Multi Trip Travel Insurance will provide cover for as many trips within a 12 month period as the insured person requires, so long as each trip does not exceed 70 days (limited to 31 days if aged 66 to 69).

In addition, all children aged 18 years and below who are named on the policy will not only be covered to travel free of charge, they can also travel independently of their parents provided that they permanently resides at same address as the insured parent. Perfect for school trips abroad.

For any trip known to be exceeding the maximum duration, then the entire period of travel including the first 70 or 31 days (subject to the age of the person travelling) will not be insured.

Winter Sports

If you wish to participate in winter sport activities (a list of which can be found in our activity section) you can add the additional cover to either the Single Trip Travel Insurance or the Annual Multi Trip Travel Insurance for an additional premium. This would also extend cover to include Section G: Winter Sports Extension details of which can be found within the Policy Document.

Excess Waiver

The Single Trip Travel Insurance and Annual Multi Trip Travel Insurance both have a standard excess of £70 per person, per claim, per section, where applicable. We do however offer an excess waiver option to remove this excess from the policy.

14 Day Cooling Off Period

When purchasing either the Single Trip Travel Insurance or the Annual Multi Trip Travel Insurance you are entitled to a 14 day cooling off period. This allows you to read through the documentation carefully to ensure the policy is suitable for your requirements. Please note that if your travel commences within the 14 day cooling off period, you are only entitled to cancel up to the day before your departure.

Top-Up Cancellation Cover

The standard cover under both the Single Trip Travel Insurance and Annual Multi Trip Travel Insurance is up to £3,000 per insured person. You can elect to increase this to £5,000 per person for an additional premium which will be calculated at the time of purchase. If you require Cancellation cover of more than £5,000 per person, please contact Campbell Irvine on 0207 938 1734.

Non EU Residents

For persons residing outside of the UK or European Union, please click here for details of our specialist policy available to persons living anywhere in the world.