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Customer Care & Sales team: 0330 880 3600 - 9am – 5pm - Monday to Friday.
We can also assist you via email and also have responses to many Q&A on the website
You can buy Direct-Travel Insurance online as usual.

  1. Categories
  2. Age Limits and Age Group Definitions
  3. Company Information
  4. Destinations and Regions
  5. General Cover
  6. Health
  7. Payment
  8. Product Information
  9. Sports and Activities
  10. Wintersports/Ski

How do you define UK resident?

For the purposes of our policies, a UK resident is defined as a person who has their main home in the United Kingdom, who is registered with a medical practitioner in the UK, and who has been resident in the UK for 6 months out of the last 12.

Our Insurers define the United Kingdom as inclusive of England, Scotland, Wales, Northern Ireland, and the Isle of Man.

If you are unsure as to whether you would fall under this definition, please give our friendly customer care team a call on 0330 880 3600, and they will be happy to answer any queries you may have.

Related FAQs

  1. How do I make a claim in the event of poor weather?
  2. Am I covered for disruption due to natural disasters?
  3. Am I covered for travel disruption caused by the Icelandic volcanic ash incident?
  4. Am I covered to drive abroad?
  5. Can I cancel my policy if it does not meet my needs?
  6. Can I extend an individual trip policy from abroad?
  7. Can I increase the personal possessions limit?
  8. Can my family travel independently on an annual policy?
  9. Can we be insured as a couple on the same annual policy?
  10. Do you cover cruises?
  11. Do you provide cover for Scheduled Airline Failure?
  12. How do I get adequate liability cover for driving in USA?
  13. How do you define UK resident?
  14. How many days can I be abroad on an annual policy?
  15. How much are my golf clubs insured for?
  16. Is it possible to extend the trip limit on the annual policies?
  17. Is the cover per person or per policy?
  18. Is there an excess?
  19. Should I contact you each time I travel on my annual policy?
  20. What is the EHIC?
  21. Should I take an EHIC card?
  22. What does a single or individual trip mean?
  23. What if my Travel Agent is forcing me to take their insurance?
  24. What if my travel plans are affected by extreme weather conditions?
  25. What if the staff from the airline I am travelling with go on strike or threaten industrial action?
  26. What is the single article limit?
  27. Can I cover my gadgets whilst abroad?
  28. When is travel insurance necessary?
  29. When does travel insurance need to be purchased?
  30. Am I covered if there were to be a terror related attack?

Need help?

UK Customer Services0330 880 3600

Open Mon - Fri 8:30am - 6pm.
Sat 8:30am - 5pm. Sun 10am - 3pm.
(Calls may be monitored or recorded)

UK Emergency AssistanceContact details can be found in your policy documentation

Available 24 hours a day, every day