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How to claim on your travel insurance
In this article
Who should I contact first?
When should i claim, what can i claim for, how can i dispute an insurer's decision, what if my insurer goes bust, top tips for insurance claims.
In an emergency, call your insurer's emergency number. You can find these on your policy documents or in our travel insurance reviews .
In other circumstances, however, you're expected to seek refunds before making a claim.
For example, if an airline has cancelled or delayed your flight, or a hotel, travel agent or other provider has been unable to deliver the holiday you've booked, you should be due some compensation from those providers.
It's still worth notifying your insurer early, though. If a claim is potentially on its way, it's still a good idea to contact your insurer and ask what evidence you'd need to substantiate a claim with them, and whether there's a deadline for claiming.
- Find out more: your rights when travel goes wrong .
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As soon as possible. Many providers insist that you check with them before you get medical treatment, for instance.
However, use your discretion if you're seriously injured. Don't delay a trip to the emergency room because you're trying to find out if your insurance covers you.
Some travel insurers require you to make a claim by a particular deadline, although at busy times if helplines are overwhelmed, an insurer should be reasonable and extend it.
Many insurers now let you claim online. You can find links and phone numbers in our travel insurance reviews .
Calling your insurer should clarify what your policy covers, but you should also check your policy documentation.
You will have been sent an Insurance Product Information Document (IPID) that summarises the key aspects of cover, as well as a longer 'policy wording' document, which should fully describe your policy's benefits and exclusions.
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If the insurer rejects your claim, make sure you get a clear explanation in writing.
If you disagree with the reasons, you can complain, prompting it to review its decision.
If after eight weeks you're not satisfied with the outcome, you can escalate your complaint to the Financial Ombudsman Service .
- Find out more: how to complain to an insurer
If your insurer is authorised to sell in the UK, your policy is protected by the Financial Services Compensation Scheme (FSCS), guaranteeing 90% of outstanding claims if your insurer goes bust.
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Keep these tips in mind to make the claims process as straightforward as possible.
1. Know your cover
In an ideal world, you'd be sufficiently familiar with what your insurance covers so there's little chance of any nasty surprises when you claim.
However, in reality, most of us don't pour over every detail of the T&Cs before buying the cover – but even a little sense-checking goes a long way. It's worth going through the policy's general exclusions, as these place significant constraints on all the benefits your policy lists upfront. For example, your policy could have an exclusion against pandemic-related claims.
Also, if you have a medical condition , don't assume that it's covered unless the insurer has confirmed this in writing. Insurers usually won't cover pre-existing medical conditions unless they've been declared and added to the policy.
2. Keep key phone numbers to hand
Your policy documentation should list emergency contact numbers to call for guidance in medical emergencies and to begin claims.
Keep these numbers with you during your holiday so you don't have to search around for them in a crisis.
3. Have some emergency funds to hand (if you can)
Most policies come with a compulsory excess, which is money you'll need to pay towards the claim even if the insurer accepts it. On some cheaper policies, the excess can be as high as £500.
If your claim is comparatively small (for example, a claim for medical treatment that's less than £500), some insurers may ask you to pay upfront and reclaim the money from them later. This is ostensibly to avoid the claim creating further disruption in your holiday, but it means it's worth having access to some funds (for example, taking a credit card) if you can.
4. Report crimes as soon as possible
Speed is of the essence if you're a victim of crime. If any of your belongings are stolen, tell the local police immediately.
Your insurer will want a crime reference number before you can pursue a claim and the conditions of some policies mean that you must report it within 24 hours.
If it's not possible to get to a police station, tell your holiday rep or hotel manager and ask them to help you put together a written report.
5. Keep all your receipts if you're delayed
Many insurers will reimburse you for food and drink and sometimes even accommodation if you're delayed, so remember to keep all your receipts to show your provider as proof.
You usually also need proof of delay from your flight or tour operator. It's much easier to do this at the time of the delay, so find a representative and ask them for written confirmation.
The same goes for lost luggage. If you arrive on your holiday but your bags haven't made the trip, you can also claim back expenses for essential items.
However, make sure you check your claim limits. These are usually quite modest and intended for necessities – with delayed luggage limits usually typically £250 or less.
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- Travel insurance
- Travel insurance companies
- Sainsbury's Bank
Sainsbury's Bank Travel Insurance
Sainsbury's Bank is part of the Sainsbury's group and has over 25 years of experience. You can choose from 3 levels of travel insurance cover for your next holiday, relaxing knowing you have the right level of cover in place.
If you're ready to start comparing travel insurance quotes, click 'Get a quote'. Or, read on to find out a bit more about Sainsbury's Bank.
Ready to get a travel insurance quote?
Why choose sainsbury's travel insurance.
- 3 levels of cover to choose from. You can choose from Sainsbury's Silver cover, or their 5 star Defaqto rated Gold or Platinum cover.
- 24/7 helpline. If you take out a policy, you'll get access to a helpline available 24 hours a day, 7 days a week. This is great if you have a medical emergency and need help.
- Unlimited medical expenses. You can get unlimited cover for medical emergencies if you choose Sainsbury's Platinum annual or single trip cover.
Who is Sainsbury's Bank?
Sainsbury's is a British Supermarket, and one of the largest supermarket chains in the United Kingdom.
Sainsbury's Bank was the first 'supermarket bank' to provide financial services like credit cards, loans, and insurance - including travel insurance.
Who underwrites Sainsbury's Bank travel insurance?
Sainsbury's bank is regulated by the Financial Conduct Authority (FCA), and Sainsbury's bank travel insurance is underwritten by Great Lakes Insurance SE.
Sainsbury's Bank travel insurance policy details
There's 3 levels of travel insurance to choose from:
- Up to £10 million emergency medical expenses
- Up to £3000 cancellation or cutting short your trip cover
- Up to £1,250 personal baggage cover
- Up to £500 gadget cover
- Up to £400 personal money cover
- Up to £15 million medical emergency expenses
- Up to £5000 cancellation or cutting short your trip
- Up to £2000 personal baggage cover
- Up to £25,000 personal accident cover
- Up to £750 gadget cover
- Up to £500 personal money cover
- Up to £250 mugging cover
- Unlimited medical emergency treatment cover
- Up to £7,000 cancellation or cutting short your trip
- Up to £3,000 personal baggage cover
- Up to £50,000 personal accident cover
- Up to £750 gadget cover
- Up to £750 personal money cover
- Up to £500 mugging cover
Sainsbury's Bank travel insurance optional extras
You can enhance your standard Sainsbury's travel insurance policy with optional extras for a cost. Let's take a look at them:
Enhanced gadget cover
With a standard Sainsbury's bank travel insurance policy, you'll get standard gadget cover. But, if you're taking expensive gadgets with you and want the peace of mind they'll be covered, you might want to get enhanced gadget cover.
Enhanced gadget cover can provide increased price limits on accidental damage, loss, or theft. If you select a Platinum policy, this can be up to £3,000.
Winter sports cover
If you're planning on participating in winter sports like skiing or snowboarding, you'll need this add-on. A winter sports add-on can cover you for emergency medical treatment expenses if you've been injured while doing winter sports activities.
It can also cover you for unique problems associated with ski and snowboarding holidays. This includes things like avalanche closure and accidental loss, damage, or theft of your ski equipment.
Cruise cover
Sainsbury's covers cruises in their standard travel policies. But, you do have the option of getting a cruise cover add-on if you want enhanced coverage.
With a cruise add-on, you'll be covered for the unique problems linked to cruise holidays. This includes things like being confined to your cabin due to illness, and reimbursement for missed excursions if your ship doesn't make a scheduled stop.
Going golfing? You can get a golf add-on. This can ensure you're covered for golf-related problems, such as the accidental loss, damage, or theft of your golf equipment.
Plus, if there's extreme weather conditions that lead to the closure of the golf course, you can also be reimbursed for any non-refundable green fees. Phew!
Can I get Sainsbury's Bank travel insurance if I have a pre-existing medical condition?
Sainsbury's does offer cover for a wide range of medical conditions. But, if you have a serious medical condition, you may be unable to find cover.
It's important to declare any medical conditions you have to Sainsbury's when taking out a policy. If you don't and you need to receive treatment for an undeclared medical condition while you're abroad, your policy won't be valid.
If you're not able to find suitable cover, don't worry. The Money and Pensions Service (MaPS) can help you. They have a directory of travel insurance providers tailored to covering those with serious medical conditions. You can view them on the MoneyHelper website, or you can give them a ring for impartial advice on 0800 138 7777 .
How do I claim on my Sainsbury's Bank travel insurance?
If you need to make a claim, contact Sainsbury's as soon as possible.
Medical emergency
If you have an emergency while abroad or need medical treatment, phone Sainsbury's emergency helpline for immediate assistance: +44 (0)1403 288 125.
Gadget claims
If you want to make a gadget claim, call 0300 880 1762 or email [email protected].
All other claims
For other claims like lost baggage or travel delays, you can register and make a claim online. Download a claim form, or you request one by phoning the following number: +44 (0) 1403 288 421.
Contact Sainsbury's Bank
If you have a query about travel insurance, you can contact Sainsbury's general customer services helpline on 0345 305 2622
If you have a question about the claims process, you can contact Sainsbury's claims helpline on 01403 305 2622
If you have a medical emergency and need assistance, contact Sainsbury's 24-hour helpline on 01403 288 125
You can also find Sainsbury's contact details on the Sainsbury's Bank website.
If you want to make a complaint about Sainsbury's about your travel insurance, you can contact the FCA. Sainsbury's FCA Firm Reference Number is 955859.
Top tip : If you need emergency medical assistance, you'll need to quote your name and policy number.
Discover other travel insurance providers
We compare up to 43 1 travel insurance providers, including:
Admiral Big Blue Cover Coverwise Direct Travel Insurance Insurefor Multitrip Outbacker Post Office RIAS Tesco Bank Travel Time Virgin Money
See all insurers
1 Correct as of July 2024
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Epilepsy travel insurance
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Replacing a lost or stolen passport
Losing your passport is stressful, but it doesn't have to ruin your trip. Read our guide to find out what to do if your passport has been lost or stolen.
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Some airports are starting to change the 100ml liquids rule that’s been in place since 2006! Our guide explains what’s changing and when.
Page last reviewed: 26 June 2024
Reviewed by: Alvaro Iturmendi
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Download your Claims Form
Claims Settlement Agencies Ltd (CSA) has been acquired by Gallagher Bassett. Please note this will not have any affect on your claims and the CSA team will still be handling the claim.
Please complete the form below to access the required claims forms. Once you've completed the form you will be able to download the required form. Please note a web submission only will not be accepted, we do require a fully completed form.
Once complete p lease email the Form(s) to: [email protected] along with copies of any supporting documents.
If you prefer to print the forms and complete by hand, you can scan the completed forms and email to the above address or post your completed form to:
CSA Travel Claims 308 – 314 London Road Hadleigh, Benfleet Essex SS7 2DD
Please Note: A Claim Number will be allocated upon receipt of your completed Claim Form.
If you require any more information or help please see our Frequently Asked Question's below.
Please fill in the information below to access the claims forms:
Frequently Asked Questions
1. What documents are required to support my claim?
The cancellation claim form has a checklist that details what type of evidence is required for cancellation claims but we’ve also included it here.
Proof of insurance and any medical endorsements – POLICY OR CERTIFICATE OF TRAVEL INSURANCE / VALIDATION CERTIFICATE - your claim will be delayed if you do not submit this. (Please note this is NOT the ATOL certificate)
Employer’s details and policy number where you are insured under a company scheme, insurance reference number etc.
Proof of travel – This must show total cost of the trip, the names of all passengers, the date of booking and the travel dates and come from the tour operator or airline. If you booked independent arrangements (i.e. car hire, travel tickets, accommodation etc.) please send the booking invoice for each item. If you booked your trip over the internet please ALSO send copies of the confirmation emails you received. If you booked your trip through a travel agent please ALSO send copies of the agents booking confirmation.
Tour operator’s cancellation invoice – This must show the amount the tour operator has charged as a cancellation fee. If you booked independent arrangements (i.e. car hire, travel tickets, accommodation etc.) please send the cancellation invoice for each item being claimed. If you booked your trip over the internet please ALSO send copies of the cancellation emails you received If you booked your trip through a travel agent please ALSO send copies of the agent’s cancellation confirmation.
Unused tickets – Tickets and invoices relating to any unused pre booked excursion, theme park entrance, activity, ski pass, theatre tickets etc. for which you are claiming.
Medical / Injury / Death – The attached Medical Certificate completed by the USUAL GP. We are sorry but we cannot accept the medical certificate completed by anyone other than the usual GP of the person causing the cancellation. The original death certificate (which we will return) or a certified copy If the deceased was insured under this policy we will require a copy of the Grant of Probate.
Redundancy – A letter from your employer confirming the date you were notified of your redundancy and the length of your employment.
Withdrawal of leave – Your employer must provide a letter confirming that your planned leave was authorised and subsequently withdrawn. This must also include the date you were first notified of this and the reason why your leave has been withdrawn.
Other Insurance – If you have submitted a claim connected to this one to another insurance company please send copies of all correspondence.
2. When should I cancel my booking?
This should be done as soon as cancellation is anticipated or has been recommended by a medical professional to ensure that any cancellation charges applied to the booking are kept as low as possible. It is important to note that if cancellation notice is unnecessarily delayed any increase in charges will likely be excluded from the claim.
3. How do I get the confirmation of booking and cancellation invoices?
These will have been provided to you by the tour operator or airline etc. at the time of booking and paying for the trip / holiday and then at the time of cancelling the booking. These are important to your claim and will be required so please contact them to obtain copies if you need to. You may not be able to obtain a cancellation invoice, in this circumstance please provide a no show document.
4. Will you pay the administration fee charged for the provision of the cancellation invoice?
No as the insurance only covers pre-paid holiday costs.
5. Will you pay the cancellation costs for a non-insured person?
No. The cancellation claim can only include costs for those people insured under our policy. Non- insured claimants must claim through their own insurance and if necessary, refund you for any costs you paid on their behalf.
6. Who has to complete the medical certificate attached to the claim form?
This has to be completed by the usual GP of the patient. It has to be the GP as he will have access to the patients previous full medical history details which a consultant or specialist may not have.
7. Will you accept my GP’s own medical certificate?
Unfortunately we can only accept our medical certificate as it has been designed to ask questions relevant to this type of insurance claim. Our medical certificate will be attached to the downloaded cancellation claim form.
8. Who pays for the completion of the medical certificate?
Costs of this nature are your responsibility and cannot be claimed back as part of your overall claim.
9. Will you accept a death certificate instead of a medical certificate?
We will always require a copy of the death certificate, however we would also require a medical report to be completed by the regular GP in relation to the medical condition that has cause the person to pass away.
10. What is a packaged holiday?
This is where the tour operator sells the travel and accommodation as a whole instead of offering each element separately.
11. What is a pre-booked excursion?
Many policies will cover pre-booked excursion costs but only if these have been booked and paid for prior to departure from the UK.
A pre-booked excursion is a small day trip you may have booked for whilst you are away.
12. Will you refund the Air Passenger Duty Tax?
No. This tax is levied by airlines and only applies if you actually travel therefore it should be refunded by the airline if you cancel the flight, please refer to the government website for details regarding APD: https://www.gov.uk/guidance/rates-and-allowances-for-air-passenger-duty
13. Will you pay the administration fee charged by the airline to reclaim my APD tax?
14. My Policy says I have to pay an excess – what is this?
An excess is the first amount of a claim that you are responsible for (it can also be known as a deductible) and may apply to more than one section of the policy and more than one incident as well as per person claiming on the insurance.
15. How much is the excess?
The value of the excess will vary according to the type of insurance you have, it is usually shown in a table of benefits on your insurance policy but can also be found in the “what’s not covered” or “exclusions” part of the policy.
16. What is an increased excess?
In some cases where a specific medical condition exists Insurers may apply an increased excess. This will be shown on the endorsement or medical screening document attached to your policy wording.
17. What is an excess waiver?
You may be able to choose an option with your policy to waive your excess at an additional premium. This means that no excess will be applied to your claim.
18. When do I pay the excess?
In most cases we deduct the excess from any payment we may make to you. If we require you to pay the excess to ourselves we will contact you with the details on how to do this.
The medical expenses claim form has a checklist that details what type of evidence is required for medical claims, but we’ve also included it here.
Proof of insurance and any medical endorsements – POLICY OR CERTIFICATE OF TRAVEL INSURANCE / VALIDATION CERTIFICATE - your claim will be delayed if you do not submit this. (Please note this is NOT the ATOL certificate).
Proof of travel – This must show total cost of the trip, the names of all passengers, the date of booking and the travel dates and come from the tour operator or airline. If you booked independent arrangements (i.e. car hire, travel tickets, accommodation etc.) please send the booking invoice for each item. If you booked your trip over the internet, please ALSO send copies of the confirmation emails you received. If you booked your trip through a travel agent, please ALSO send copies of the agents booking confirmation.
Evidence to support the claim – Medical/dental receipts itemising the treatment/prescription and associated costs. Medical/dental reports detailing the condition and treatment provided. Written evidence from the treating doctor of the medical requirement to either extend the stay or return home early. Proof of admission and discharge date and time if you were treated as an in-patient.
Additional travel and accommodation costs – Hotel/accommodation invoice showing dates, costs and names of guests. Travel tickets / invoice showing date, cost and passenger names.
3rd party responsibility – Name, address and general information about the person or company whom you feel was responsible for your illness or injury. Photographic evidence should be provided if available. Police report if applicable. Details of any solicitor or company you have appointed to handle a personal injury claim on your behalf.
Death – Death certificate or certified cop. Grant of Probate or Letters of Administration if the deceased is the claimant.
Other Insurance – If you have submitted a claim connected to this one to another insurance company, please send copies of all correspondence.
2. I dealt with the emergency assistance company so why do I now have to deal with you?
The Emergency Assistance team handle your emergency case management whilst you are still abroad but once you return to the UK, we, as the claims management company, take over and manage your personal claim and payment for outstanding medical bills as well as bills and receipts you have paid yourself. We do share information between us, but it will be necessary for you to complete our claim form before we can review your claim.
3. What is an Emergency Assistance company?
Typically, an Emergency Assistance company is appointed by Insurers to provide a 24/7 365 service to travellers in need of medical emergency assistance. They liaise with hospitals and doctors to ensure the most appropriate medical management and provide relevant guarantees for the medical costs. They also take care of extended medical stays, additional flights and accommodation and early return repatriations.
4. When should I contact the emergency assistance company?
Most policies state under what circumstances and when you need to make contact with the emergency assistance company but usually, they state you must make immediate contact in the event of a serious injury, illness or hospitalisation or where repatriation or curtailment is being considered. However, if you need help for any reason their number is available for you to use.
5. What is a cost containment company and why has my claim been referred to them?
A cost containment company is appointed by Insurers to liaise with hospitals, doctors and clinics to ensure that only the most reasonable and appropriate costs for the treatment given to you are charged. This won’t affect your medical care or your financial standing in that country but is important in controlling Insurers healthcare claims costs. If your claim has been referred to them, they will be responsible for arranging the payment of any outstanding bills.
6. Will you pay for any “out of pocket” expenses?
In general insurance policies will not cover you for incidental expenses such as taxi fares (including those of a relative to visit you in hospital) food and drink and telephone calls.
7. Who is entitled to Hospital Benefit?
This is only paid to the person being hospitalised as an in-patient and is usually calculated from the date and time of your admission through to the date and time of your discharge. The amount payable is dependent upon the level of cover purchased and will be detailed in your policy schedule.
8. Can I claim for additional travel and accommodation costs?
If you had to stay longer than planned due to medical advice and these costs were approved by the 24-hour emergency assistance team, then these costs can form part of your medical expense claim.
9. Why am I getting reminders for unpaid medical bills already submitted to you?
It is not always possible to settle outstanding bills immediately as we may need to ask the hospital for more information so if you receive a reminder simply send it over to us and we’ll let their accounts department know why it’s still outstanding.
Don’t forget to include your claim reference number please!
10. Further unpaid bills have arrived in connection with my claim – help!
Don’t worry this happens all the time!
If you have already sent your claim form back to us, simply send this unpaid bill onwards remembering to quote your claim reference number and providing it is a covered expense, we will make the necessary arrangements to pay it.
If you have yet to return your claim papers, we would ask you to do this ASAP and mark this bill as unpaid on your claim form. If it is a covered expense, we will make the necessary arrangements to pay it.
11. How do you convert foreign currency values to £ sterling?
We use the rate of exchange that applied on the first day you were treated as published by oanda.com. If, however you paid any bills by credit or debit card then we are happy to use the rate of exchange applied by your bankers but unfortunately, we will not pay any commission charges that may be applicable. If you wish us to use this rate of exchange them, please send a copy of your bank statement showing the £ sterling equivalent and rate of exchange applied.
12. Why do you need to know my National Insurance number?
The UK has a reciprocal healthcare agreement with all European Economic Area (EEA) countries which means that if you need urgent or immediate medical attention whilst visiting the country the state healthcare will be provided at a reduced cost. This applies to UK residents and providing a National Insurance number is one way of proving your entitlement to this. We need this number to reclaim any costs falling under this agreement on behalf of your travel insurers.
13. Why do you need to know about other insurance policies I may have?
Insurers have agreed to share the cost of a claim if more than one policy covers the same incident. This helps keep insurance premiums down and, in most cases, won’t affect any no-claims bonus you may have.
An excess is the first amount of a claim that you are responsible for (it can also be known as a deductible) and may apply to more than one section of the policy and more than one incident.
Some policies offer to waive this excess for a small increase in premium and this will be shown on your endorsement attached to your policy. Check the terms and conditions of your policy wording to see if your policy offers this waiver.
In most cases we deduct the excess from any payment we may make to you, if we need you to pay the excess to ourselves, we will contact you regarding this.
19. I keep getting reminders for unpaid bills from the USA, why is this?
The USA healthcare system is complicated and if you’ve been unlucky enough to be hospitalised you may receive many bills from different service providers. This is quite normal. Even though you may have contacted your emergency assistance company, and they may have issued a guarantee, once your name is in the hospital records you may get reminders. If you do receive these, you should send the bill to the assistance company. If you didn’t contact your assistance company, you will need to register a claim with us. Until the claim is agreed by us you will still receive reminders and you will still be liable for its payment. On occasions the USA medical system means that they may use a debt recovery agent to contact you.
20. I paid a deposit at the hospital; how do I claim this back?
Some private hospitals are charging patients a deposit before any treatment is provided and this can be anything from £1,000 to £3,000 (in local currency). This is their right and unfortunately UK Insurers are unable to prevent it. If during your stay the hospital receives a guarantee from your assistance company that your claim is covered then they will normally refund you before you leave. If the deposit is not refunded, you will need to speak to your assistance company to find out why a guarantee was not issued and when it will be as the hospital will not normally refund this without the guarantee. We are unable to refund the deposit as part of your claim process.
The personal effects, money, passports and travel documents claim form has a checklist that details what type of evidence is required for claims for the theft, loss or damage to personal property, lost or stolen money or expenses incurred to obtain a replacement passport or travel documents, but we’ve also included it here.
Evidence to support money claims – Bank or building society statements showing cash withdrawal, currency conversion slips, Police report, reps report, hotel report.
Evidence to support personal effects claims – Original purchase receipts or credit card/bank statements showing purchase details, manuals and guarantee cards for watches, cameras, photographic equipment, phones, laptops etc. Photos or valuations of jewellery
Airline or carrier tickets, baggage check tags,
Repair estimate or confirmation that item is beyond economical repair from a reputable dealer, (we may also ask for the item to be sent to us)
Police report, reps report, hotel report for loss or theft; Carrier report, PIR (airline report) for airline loss or damage
Rental car agreement for theft from vehicles
Letter confirming items deemed irretrievably lost for losses whilst in the custody of the carrier / airline.
Evidence to support passport / travel documents claims – Receipts for travel, accommodation and incidental expenses incurred to obtain a replacement passport or travel documents.
Police report
3rd party responsibility – Name, address and general information about the person or company whom you feel was responsible for the loss or damage to your property other than for claims occurring in the custody of the airline or carrier.
Other Insurance – If you have submitted a claim connected to this one to another insurance company, please send copies of all correspondence
2. Why do you need receipts?
Most policies state that proof of age, value and ownership of the items being claimed must be provided and the easiest way for this is to send in the purchase receipt. It is important to note that some policies may exclude a claim, or part of, if there is no proof of age, value and ownership.
3. What if I don’t have purchase receipts?
Alternatives such as credit card /bank statements showing the purchase transaction date and value, insurance valuations, photographs, instruction manuals, guarantee documentation for watches, cameras or other electrical or electronic goods and duplicate receipts obtained from the store can be submitted in support of your claim but it is important to note that they are not guaranteed to be accepted as proof of value, age and ownership.
4. Why are deductions for wear and tear or depreciation made?
Typically, your travel policy will be one of indemnity which means it will only put you back in the situation you were in at the time of the loss. This means that we will view each item and make reasonable adjustments to the value where necessary based on the age of the item.
5. Can I dispose of my damaged items?
No. All damaged items must be kept as we may need to inspect them or have them assessed by a reputable repairer. We may reject a claim where the damaged items are no longer available so hold on to them until the claim is finalised.
6. Can I arrange to replace my damaged items?
We do not recommend you do this until we have had the opportunity to review the claim as the item may be repairable or we may be able to obtain a replacement through our supplier network at discounted rates.
7. What is a PIR and why is it necessary?
A Property Irregularity Report is a report issued by an airline with reference to the loss, damage or delay of your checked-in bags. Airlines won’t begin looking for your lost bags until this form has been completed and with some airlines, the tracking number quoted on the form will enable you to track the whereabouts of your missing or delayed bags via their tracking agent’s website!
The issuance of this form is an acknowledgement by the airline that the matter has been reported and may enable your travel insurers to claim back some of their outlay from them.
Without this PIR your claim may not be accepted.
8. What is a carriers report and why is it necessary?
A Carriers report is a report issued by a carrier (shipping company, coach company etc.) with reference to the loss, damage or delay of your checked-in bags. Carriers won’t begin looking for your lost bags until this form has been completed and with some carriers, the tracking number quoted on the form will enable you to track the whereabouts of your missing or delayed bags via their tracking agent’s website!
The issuance of this form is an acknowledgement by the carrier that the matter has been reported and may enable your travel insurers to claim back some of their outlay from them.
Without the carriers report your claim may not be accepted.
9. I didn’t get a police report for my lost or stolen possessions.
Typically, your insurance policy will say that you have to notify the police within 24 hours of the theft or loss and obtain a written police report detailing the circumstances and the items involved. If you can’t provide this or reported the matter to another authority, then tell us on the claim form and attach whatever reports you do have. Your claim may not be covered but we will review it based on what you tell us.
10. How do I prove the value of my money claim?
This can be by way of cash withdrawal slips, bank statements or currency conversion slips. If your money wasn’t obtained by any of these methods, then tell us why and we’ll let you know how you can prove the value and ownership.
11. Why do you want to know about other claims I have made?
It is industry practice to share details on claims trends and helps Insurers analyse the levels and values of cover offered within their policies. anti-money laundering policy to check and ensure that all claims are valid and accurate.
12. My Policy says I have to pay an excess – what is this?
13. How much is the excess?
14. What is an excess waiver?
15. When do I pay the excess?
In most cases we deduct the excess from any payment we may make to you.
The delayed baggage claim form has a checklist that details what type of evidence is required for delayed baggage claims, but we have also included it here.
Proof of insurance and any medical endorsements – POLICY OR CERTIFICATE OF TRAVEL INSURANCE / VALIDATION CERTIFICATE - your claim will be delayed if you do not submit this. (Please note this is NOT the ATOL certificate) Employer’s details and policy number where you are insured under a company scheme, insurance reference number etc. Proof of travel – This must show total cost of the trip, the names of all passengers, the date of booking and the travel dates and come from the tour operator or airline. If you booked independent arrangements (i.e. car hire, travel tickets, accommodation etc.) please send the booking invoice for each item. If you booked your trip over the internet, please ALSO send copies of the confirmation emails you received. If you booked your trip through a travel agent, please ALSO send copies of the agents booking confirmation.
Evidence to support emergency expenses and items claimed – Receipts for emergency purchases made whilst awaiting receipt of your baggage.
Or credit card / bank statements showing the transactions.
Airline PIR or carrier report.
Letter from airline / carrier confirming date and time baggage returned to you.
Airline / carrier tickets.
Baggage check tags.
2. Why do you need receipts for my emergency items?
Most policies pay “up to” the policy limit for delayed baggage emergency items and therefore the receipts will prove the amount you spent.
3. What happens if I do not have receipts?
Your claim may not be accepted for the items you cannot supply a receipt for but tell us why and we may be able to review your claim based on these reasons.
4. Is there an excess for these claims?
5. Can I claim from the airline for the expenses you will not cover?
Typically, the airlines and carriers cover the same type of costs as travel insurers but in certain circumstances where your “covered” expenditure exceeds the policy limit you may be able to claim the balance from the carrier. However, you need to declare your intention to do this to us.
6. Why do you need confirmation of the time my baggage was delivered?
Most policies only cover your expenses if your baggage was delayed for a period in excess of 12 hours.
The curtailment claim form has a checklist that details what type of evidence is required for curtailment claims but we’ve also included it here.
Evidence to support the claim – Medical Certificate completed by the USUAL GP of the non-travelling person whose illness or injury caused the curtailment. We are sorry but we cannot accept the medical certificate completed by anyone other than the usual GP of the person causing the curtailment.
Medical report issued by the overseas treating doctor advising of the need to return early.
The original death certificate (which we will return) or a certified copy.
If the deceased was insured under this policy, we will require a copy of the Grant of Probate
Armed Forces Withdrawal of leave – Your commanding officer must provide a letter confirming that your planned leave was authorised and subsequently withdrawn. This must also include the date you were first notified of this and the reason why your leave has been withdrawn.
The Emergency Assistance team manage your emergency case management whilst you are still abroad but once you return to the UK, we, as the claims management company, take over and manage your personal claim and payment for outstanding medical bills. We do share information between us, but it will be necessary for you to complete our claim form before we can continue with your claim.
Typically, an Emergency Assistance company is appointed by Insurers to provide a 24/7 365 service to travellers in need of medical emergency assistance. They consult with hospitals and doctors to ensure the most appropriate medical management and provide relevant guarantees for the medical costs. They also take care of extended medical stays, addition flights and accommodation and early return repatriations.
5. We curtailed but didn’t contact the emergency assistance company for approval.
In these circumstances we would suggest you attach a covering letter to your claim form explaining what happened and why you didn’t contact the assistance company for approval. We will then review your claim based on the facts presented to us although this is no guarantee that the claim will be accepted.
7. How are curtailment claim refunds calculated?
Usually these are calculated on a proportionate value of pre-paid costs from the date of return to your home country so if you were on a 10-day holiday and returned after 8 days we would consider a claim for 2 days unused prepaid holiday costs.
8. How do you convert foreign currency values to £ sterling?
We use the rate of exchange that applied on the date you incurred the cost as published by oanda.com. If, however you paid any part of your curtailment claim by credit or debit card then we are happy to use the rate of exchange applied by your bankers but unfortunately, we will not pay any commission charges that may be applicable. If you wish us to use this rate of exchange them, please send a copy of your bank statement showing the £ sterling equivalent and rate of exchange applied.
9. We curtailed due to the death of a relative in the UK, do we need a medical or death certificate?
In the first instance we would ask you to submit the death certificate or a certified copy but dependent upon the cause and date of death and the date of purchasing the insurance we may ask that you get further medical information from the deceased’s GP.
10. Our original pre-paid flights were used to return home early – can we claim them back?
Generally, the curtailment cover is for the proportionate refund of unused travel and accommodation costs so if the flights were used you may not be entitled to claim a refund.
11. Why do you need to know about other insurance policies I may have?
14. What is an increased excess?
15. What is an excess waiver?
Some policies offer to waive this excess for an additional premium, and this will be shown on your endorsement attached to your policy. Check the terms and conditions of your policy wording to see if your policy offers this waiver.
16. When do I pay the excess?
The travel delay missed departure an abandonment claim form has a checklist that details what type of evidence is required to support the claim, but we’ve also included it here.
Evidence to support travel delay claims – Written evidence from the carrier (airline, coach company, cruise company, rail line etc.) confirming the exact reason for the delay together with the original date and time of departure and the eventual date and time of departure.
Evidence to support missed departure claims – Written evidence proving pre booked public transport & itinerary.
Original unused tickets /Receipts/tickets for additional travel and accommodation expenses.
Proof of breakdown or accident to your vehicle.
Written evidence from the carrier (airline, coach company, cruise company, rail line etc.) confirming the exact reason for the cancellation or curtailment of the scheduled public transport and the date & time the cancellation was notified.
Evidence to support abandonment claims – Cancellation invoice or “No Show” letter. Written evidence from the carrier (airline, coach company, cruise company, rail line etc.) confirming the exact reason for the delay, the date & time you cancelled the booking together with details of any alternative travel arrangements offered to you.
2. I was delayed so why won’t you pay for the loss of my holiday time?
Typically, the travel delay cover is a set benefit based on the number of hours you were actually delayed and does not extend to cover you for the loss of holiday time as a result of the delay. You should contact the airline or holiday company to check if they can provide you with any payment for the loss of your holiday.
3. Why do I have to provide proof from the carrier of the cause of delay and the date and time of eventual departure?
Cover is only provided for specific causes of delay and the benefit is calculated on set time periods.
4. Can I claim travel delay compensation from the airline as well?
As the travel delay cover is a benefit you are also able to claim from the airline in the event of a delay. You will need to contact the airline directly to submit this claim, however you can also refer to the CAA to check if you are eligible. https://www.caa.co.uk/passengers/resolving-travel-problems/delays-and-cancellations/delays/
5. Why do I have to check in before I can abandon my trip?
Delays can change quickly – an apparent lengthy delay can be reduced by transferring to another carrier or departure point and as abandonment claims are only acceptable after a set delay period it is necessary to check in unless there has been a specific announcement requesting passengers NOT to check in to avoid congestion at departure points.
6. Can I claim for food and drink costs incurred whilst I was delayed?
Typically, the travel delay cover is a set benefit based on the number of hours you were actually delayed and does not extend to cover you for out-of-pocket expenses.
7. Can I claim for the time delay in arriving at my destination?
This is dependent on the policy you have purchased and the type of cover they provide; however, this is usually applied from your departure time and not the arrival time.
Complaint process for UK based customers
Although Gallagher Bassett Services Pty Ltd has taken all reasonable care in the preparation of the information provided on this site, Gallagher Bassett does not guarantee that the information is necessarily true, accurate or complete. The information is provided without warranty of any kind to any person or organization. By accessing this service, you agree that Gallagher Bassett is not liable for any expense, loss or cost you may incur as a result of the information on this site being inaccurate or incomplete in any way or incapable of achieving any purpose. © Copyright Gallagher Bassett Services Pty Ltd. All rights reserved
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Sainsbury's Bank Travel Insurance Reviews
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Reviews 1.4.
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Have being trying to get a c!aim sorted…
Have being trying to get a c!aim sorted with SainsburytHome Insurance since May countless telephone calls asking for more and more details regarding the builders quote. This is after their inspector visited and ' supposedly' completed a report with photos and video.My request for written / email updates and information required have been ignored. Told by gentleman that it was not their way to write as phone calls were better. Really! That way there is no paper trail. Frustrating to say the least. Think twice before taking out insurance from Sainsbury's best if they stick to food!!!!
Date of experience : 22 October 2019
Worst experience I have had with a…
Worst experience I have had with a travel insurance company. Please read this and do yourself a favour, do not buy any form of insurance through Sainsbury's Bank! I submitted a claim exactly 1 year ago and there is no resolution. Despite submitting all the documents requested, I am having to chase by calling up every other month and I'm given the same excuses. What a joke!
Date of experience : 20 January 2023
ZERO stars. Do not go anywhere near Sainsbury's Travel Insurance. We took out a fully comprehensive annual policy with them - which was more expensive than the other policies available and when we claimed for accommodation (not flights!) that we were unable to use due to positive Covid tests they told us they were unable to accept our claim as the photo we had wasn't time-stamped. Even though we had ample evidence of the situation including dated emails etc. It has also taken us over a year to just get to this point. We will now be making a formal complaint in the hopes that we at least get back the cost of the insurance policy and will NEVER be using Sainsbury's Travel insurance again.
Date of experience : 15 May 2022
Absolutely awful
Absolutely awful. I spent over £1000 in medical fees after being poorly abroad. I submitted my claim early January, sent all the documents required by email on the 26th January. I haven’t heard anything since. I emailed multiple times, can never get through to anyone on the phone (hold over 1hr each time). They literally do everything in their power not to pay. What a scam
Date of experience : 24 April 2023
It should be zero stars
It should be zero stars, but it won't offer that choice! I only wish i had read some of the reviews here before purchasing Sainsburys annual travel insurance. They say you can only judge an insurance company when you have to make a claim, well that’s where the zero stars come in! To get any regular reliable correspondence from these is at best impossible. I got asked to send three sets of information, once sent then I got asked for another batch of information [different from the first email]. These two emails took about a month to get through to me, since then “nothing”! I have sent numerous emails and have yet to have a reply, I have now given up and will never use or recommend Sainsburys travel insurance to anyone. This is the shortened version as I can’t be bothered to write everything down as it would take up too much time and space.
Date of experience : 26 February 2024
Complete shambles of a renewal…
Complete shambles of a renewal process... Didn't send out renewal reminder or price. I phoned and automated message said long wait and go to live chat.45 mins later they answered and sent the renewal but WITHOUT pre-existing conditions included. 45 min wait again for live chat only to be told you need to speak on the phone and RE_ENTER the pre existing....but I already gave you that last year. AND WHAT USE IS A RENEWAL QUOTE WITHOUT PRE-EXISTING CONDITIONS Wasted 45 mins x 2 of my life and their staff time....and I still have not got a renewal quote ! LAUGHABLY BAD.
Date of experience : 24 January 2024
Non-existent, possibly defunct
It's as if Sainsbury's Bank's travel insurance offering has completely shut down but still taking policy purchases. In the Making a Claim pdf section of the policy, there is no information on how to contact Sainsbury's to raise a claim. The phone number provided online (0300 880 1762) is incorrect and no longer in use and does not dial a ringtone. Likewise, the email address is no longer in use. When I phone the standard helpline, I couldn't speak to a human and was instead directed to a third-party site, CSAL, which doesn't offer any options for gadget claims in their forms. Similarly, trying to contact this company is impossible.
Date of experience : 19 December 2022
Non existing customer services!
Non existing customer services! Only wanted to amend travel details and after an hours wait they still spelt my daughters 3 letter name incorrectly after spelling it out 3 times. Won't use again.
Date of experience : 05 January 2024
They don't want to pay nothing!
Awfully long waiting times with no response, and after they are interpreting the contract clauses in there favour and paying nothing! In case of flight cancellations they are paying nothing, just in case of flight delay over 10 hours , but cancelation is the worst case scenario. Will claim in the court.....
Date of experience : 26 October 2022
I have tried several times today to…
I have tried several times today to contact Sainsburys about the travel insurance I have just bought from them. The online help doesn't mention my issue. The so-called 'live chat' is dead. I tried emailing yesterday but no response. Phoned today and asked for a call back - nothing happened so far. I am a loss as to what to do, other than try to cancel and try another company. I thought Sainsburys, being a well-known company would be reliable - definitely not. Should have read the reviews.
Date of experience : 18 January 2023
DO NOT BUY INSURANCE COVER FROM THIS…
DO NOT BUY INSURANCE COVER FROM THIS COMPANY. Why would Sainsburys let their name and reputation be used by this shockingly bad organisation. Impossible to speak to anyone when a car reversed into our parked car and drove off - luckily a neighbour took photos. Trying to claim we were diverted a Claims Management Company who demanded we sign a separate contract with them that basically meant we had to pay if they couldn’t get the offending party to pay. This is not insurance cover; it’s a sham.
Date of experience : 25 August 2021
Sainsburys insurance are a disgrace.
Sainsburys insurance are a disgrace. We paid for holiday cover, which included Covid and I have this in the key facts document. So when we had to cancel because my wife couldn't get out of bed I was reasurre that I had the insurance. NO! Because we cancelled the day before and the trip hadn't "started" they won't pay out, despite me calling to check before we cancelled and they said we were fine. It's just underhanded. They passed the claim to an administrator who initially asked for my bank details to make payment then inexplicably changed their minds and are now refusing to pay. Why would a massive brand like Sainsburys act like this, it does nothing for their reputation, a reputation that initially made me take out the policy in the first place. Awful, awful people. Avoid at all costs.
Date of experience : 14 November 2023
Omg terrible
Omg terrible , I wish I had read the reviews before my son took out a policy with these jokers . He had an accident in Thailand at the beginning of the week and has supplied all relevant documents to mayday and still no insurance has kicked in . We have had to get together £2000 so far for medical treatment and it’s not done yet . Staff are so unhelpful
Date of experience : 10 January 2023
Easy refund procedure…
Took out Sainsbury’s Travel insurance and then realised I did not need it so soon. They allow you to cancel within 14 days for full refund unless insurance has been used. Process could not have been easier entered details requested and received an E mail confirmation that the refund had been accepted that same day.
Date of experience : 06 September 2023
Still waiting for a payout one year after claim was filed
Would give zero stars if that option existed. Worst travel insurance we ever took out. A year ago my daughter, a student, travelled to Istanbul and was scheduled to fly to Moscow from there on January 3rd, 2022. At the airport she tested positive for covid and was barred from boarding her plane, so had to stay for 5 more days in Istanbul. We had taken out travel insurance which specifically included delays due to Covid. We filed the claim a year ago - progress to date: zero. I complained for the fourth time today. In early November I received an email from CSA (the insurers Sainsbury's use) that they have 'a team thoroughly investigating my complaint' - I'd rather they'd process the insurance claim! I've heard nothing since. Needless to say, I will never go anywhere near Sainsbury's insurance or CSA again.
Date of experience : 15 January 2022
Absolutely awful. Cannot get a real person. Cannot complain. No proper contact details except number where you are just told to do everything online and then phone cuts off. Took to Twitter and they told me to call the same number to speak to them with my complaint! Have reported to Financial Ombudsmen. AVOID at all costs....
Date of experience : 15 June 2021
Would give zero stars if an option
Would give zero stars if an option, we took out the platinum annual policy. Unfortunately my wife got diagnosed with cancer and we couldn’t go on our holiday due to treatment. The claim process managed by CSA is archaic where you never speak to the same person, going round and round in circles it took us 9 months to get them to pay our claim and only after we complained to the CEO of Sainsbury’s bank out of desperation. We put in a formal complaint which CSA upheld and at that point closed down the dialog saying take it to the ombudsman which we have done. I cannot convey the mentally exhausting and stressful process we were put through to get our claim paid. Trusted Sainsbury’s brand at my cost do not touch
Date of experience : 10 March 2023
Absolutely useless
Absolutely useless. Have been on hold for the last 40 mins trying to cancel my home insurance. They initially answered the phone quickly but as soon as I said I wanted to cancel my policy I was put on hold……still waiting. They have you over a barrel as another reviewer mentioned that if you simply cancel your direct debit, they will chase you for renewal payment and harm your credit rating if you challenge it.
Date of experience : 01 November 2021
Worst insurance
Worst insurance, refused to deal with a claim then logged it as a no fault claim. On our record now for 5 years. Refused to call us back, refused to supply copy of no claims history. Do not use they will be reported to ombudsman. Also note how they even refuse to acknowledge any report here!!
Date of experience : 03 March 2022
CSAL are terrible
Sainsbury’s Bank pass claims handling to CSAL (Claims Settlement Agencies Limited) who take an age to handle claims. It is clear they do not have the capacity to process the volume of claims they have. These guys really drag down the Sainsbury’s brand.
Date of experience : 20 November 2023
June 1, 2020
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Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .
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Appalling Service from Sainsbury's Home Insurance AVOID AVOID AVOID!…
Appalling Service from Sainsbury's Home Insurance. Purchased a buildings and contents insurance in September 2022. Unable to access my documents online or via app despite registering with them and having an existing account for car insurance. Unable to contact anyone by 'phone for 7 days only to be told I had to register again or call back? I asked for my documents to be posted. I did call back after my documents didn't arrive (they have since) and was told my home insurance documents had been put in my old car insurance file which is why I couldn't access them? By that time I'd had enough and decided to cancel. To add insult to injury, I was told there would be a £20 cancellation fee despite being within the 14 day cooling offer period and the fact that the insurance wasn't yet active? Apparently, it's in their T and C's but how was I to know that when I couldn't access my documents? My documents finally arrived (no T and C's) and there were errors not made by me on the Statement of Fact Summary? I was incensed by this time and decided to make a formal complaint but there was no email to contact them so I had to join the lengthy queue on the 'phone once again and the person I spoke to made the complaint on my behalf as she wasn't allowed to give me an email address? I received a letter after a few days which was very condescending and dismissive saying they wouldn't be refunding my £20 cancellation fee again quoting their T and C's again. I replied informing them there were errors on my documents which were not made by me asking them what is the point of having a cooling of period if the customer is penalised for cancelling the insurance within the 14 day cooling off period and when the policy isn't even active yet? To date, there has been no reply. I'm contacting the Insurance Ombudsman, especially after reading these reviews from other unhappy customers. I only wish I had seen the reviews for this company before I purchased the home insurance. I have to say AVOID THIS COMPANY they are unprofessional and deserve the reputation they have been given!
Date of experience : October 16, 2022
Please avoid Sainsburys Travel Insurance
Please avoid Sainsburys Travel Insurance - it is absolutely not fit for purpose and we will not use them again. We booked to go to the Canaries in April and had a comprehensive travel insurance along with enhanced Covid cover which we have had for the last two years. Unfortunately on the day we were due to travel I came down with Covid and was too unwell to travel. I am a diabetic (which is declared on my policy) and not only was I not fit to travel but did not want to even attempt to do so thus putting others at risk and possibly needing medical treatment abroad as being diabetic can risk Covid complications. I registered the Covid test immediately with the NHS and took a timed photo of the test strip. I informed TUI who considered it a no-show rather than a cancellation as I became too unwell to travel on the day itself. I completed all the claims paperwork and submitted with the claim, as requested, an email from TUI confirming the no-show and confirming also that we received no compensation from TUI and no money refunded from them either. Sainsburys Insurance Claims company are difficult to contact, extremely unhelpful and keep sending us emails asking either for information we have already sent them originally or for the same information in a different format. TUI are unable to give us any more than their original official email confirming the no-show and confirming that we have had no compensation but nearly two months since we were due to travel we still have not had our claim settled and the claims company seem to want to do everything in their power to delay dealing with it. It seems the only option may be for us to go down a legal route to get our money back if this is not settled soon. This is damaging Sainsburys reputation and I am surprised they feel treating customers so poorly is acceptable. We have been with Sainsburys travel insurance for many years prior to Covid and have been lucky enough not to have had to make a claim but they have certainly let us down in our hour of need and made an already stressful experience so much worse. Insurance should be there if the worst happens and needs to be fit for purpose. There is no point in having it at all if you cannot claim for a genuine emergency and have that claim dealt with professionally and in a reasonable time frame.
Date of experience : April 09, 2023
If I could put 0 I would
If I could put 0 I would, they will try to get out of the claim in any way possible and they will try not to pay you. Avoid
Date of experience : March 20, 2023
I am experiencing a heavy volume of…
I am experiencing a heavy volume of reviews at the moment. Really sorry to keep you ill put you through to my review as soon as I Can. I am experiencing a heavy volume of reviews at the moment. Really sorry to keep you ill put you through to my review as soon as I Can.I am experiencing a heavy volume of reviews at the moment. Really sorry to keep you ill put you through to my review as soon as I Can.I am experiencing a heavy volume of reviews at the moment. Really sorry to keep you ill put you through to my review as soon as I Can.I am experiencing a heavy volume of reviews at the moment. Really sorry to keep you ill put you through to my review as soon as I Can.I am experiencing a heavy volume of reviews at the moment. Really sorry to keep you ill put you through to my review as soon as I Can.I am experiencing a heavy volume of reviews at the moment. Really sorry to keep you ill put you through to my review as soon as I Can.I am experiencing a heavy volume of reviews at the moment. Really sorry to keep you ill put you through to my review as soon as I Can.I am experiencing a heavy volume of reviews at the moment. Really sorry to keep you ill put you through to my review as soon as I Can.I am experiencing a heavy volume of reviews at the moment. Really sorry to keep you ill put you through to my review as soon as I Can.I am experiencing a heavy volume of reviews at the moment. Really sorry to keep you ill put you through to my review as soon as I Can.I am experiencing a heavy volume of reviews at the moment. Really sorry to keep you ill put you through to my review as soon as I Can.I am experiencing a heavy volume of reviews at the moment. Really sorry to keep you ill put you through to my review as soon as I Can.I am experiencing a heavy volume of reviews at the moment. Really sorry to keep you ill put you through to my review as soon as I Can.I am experiencing a heavy volume of reviews at the moment. Really sorry to keep you ill put you through to my review as soon as I Can.I am experiencing a heavy volume of reviews at the moment. Really sorry to keep you ill put you through to my review as soon as I Can.I am experiencing a heavy volume of reviews at the moment. Really sorry to keep you ill put you through to my review as soon as I Can.I am experiencing a heavy volume of reviews at the moment. Really sorry to keep you ill put you through to my review as soon as I Can.I am experiencing a heavy volume of reviews at the moment. Really sorry to keep you ill put you through to my review as soon as I Can.I am experiencing a heavy volume of reviews at the moment. Really sorry to keep you ill put you through to my review as soon as I Can.I am experiencing a heavy volume of reviews at the moment. Really sorry to keep you ill put you through to my review as soon as I Can.I am experiencing a heavy volume of reviews at the moment. Really sorry to keep you ill put you through to my review as soon as I Can.I am experiencing a heavy volume of reviews at the moment. Really sorry to keep you ill put you through to my review as soon as I Can.I am experiencing a heavy volume of reviews at the moment. Really sorry to keep you ill put you through to my review as soon as I Can.I am experiencing a heavy volume of reviews at the moment. Really sorry to keep you ill put you through to my review as soon as I Can.I am experiencing a heavy volume of reviews at the moment. Really sorry to keep you ill put you through to my review as soon as I Can.I am experiencing a heavy volume of reviews at the moment. Really sorry to keep you ill put you through to my review as soon as I Can.I am experiencing a heavy volume of reviews at the moment. Really sorry to keep you ill put you through to my review as soon as I Can.I am experiencing a heavy volume of reviews at the moment. Really sorry to keep you ill put you through to my review as soon as I Can.I am experiencing a heavy volume of reviews at the moment. Really sorry to keep you ill put you through to my rev
Date of experience : March 30, 2020
Took Sainsbury's travel insurance out…
Took Sainsbury's travel insurance out after looking on compare who rated them good, not the cheapest but I went with a recognised brand, whilst abroad I had my phone stolen, when I returned I filled in the claims form, I then started receiving email from a company called Taurus who are a subsidiary of Sainsbury's, I sent the info they required, two days later they requested more info, this went on for two weeks, then the requests just became odd ( can you send a picture of the packaging ) I researched the company that's when the alarm bells went off all the complaints were the same as what I was experiencing, I contacted Sainsbury via email as you can't speak to anyone, eventually I gave up and contacted the ombudsman who took the case, they contacted me three weeks later and informed me that Sainsbury's would be in touch to resolve the issue from July/August to date Sainsbury's still have not contacted me, I now have got to inform the ombudsman that they have not contacted me, this I hope will take further measures on them, Don't touch this insurance they cleverly disguise it in the search engine to get a good review, they then employ a company that does not have any satisfactory reports. Shame On You Sainsbury's Bank
Date of experience : November 21, 2022
Friendly staff
Friendly staff, could have been smoother
Date of experience : June 05, 2023
Difficult to get hold of unless you can…
Difficult to get hold of unless you can use a phone (which I can't very often) - useless when you do manage to get hold of them during the hours they deem to be "open" and when you do, do not action the request. My example is having to find the right time to get someone to contact them for me to say I didn't want my home insurance contract renewed, we were told it had been noted (this was weeks ago) only to find out that it has been renewed anyway. As it stands today, I am paying 2 premiums to 2 different companies for the same thing. I have cancelled the DD from the bank - hopefully, they might get in touch when they can't take the monies. Bottom line - Sainsbury's are a nightmare to contact and get any sort of response whether it be insurance, groceries, card etc. I do not care what service I could discuss - being able to talk to a human being is almost impossible - whether you can use a phone or not. I would be grateful if someone would respond - There again, Sainsbury's probably don't read these reviews or pass them to the relevant area responsible for complaints......
Date of experience : October 04, 2020
CEB TravelSure insurance
Ensure you are well protected against unexpected situations during your travels.
Description
🛡️ travelsure insurance.
Together with Chubb Travel Insurance, we provide extensive cover for your trip such as lost or damaged personal belongings, trip cancellation and travel inconvenience. It also covers emergency medical treatment coverage in case of accidents or sickness while you're in the Philippines or Asia.
For more information about insurance coverage based on your origin country, visit the CEB TravelSure add-on page .
📑 Filing a claim with Chubb
CEB TravelSure is underwritten by Chubb Travel Insurance .
In compliance with insurance regulations in the Philippines, Australia, Singapore, Thailand, and Vietnam, Chubb will handle your CEB TravelSure concerns.
- To file a claim online, go to Chubb Claim Centre .
- You can make changes to your policy via Chubb’s Self-Service Portal .
For further assistance, you may also call their Customer Service Team at +632 8 859 2774. Please prepare your CEB TravelSure confirmation number.
CEB TravelSure policies
Refunding ceb travelsure, chubb's contact details.
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For all travel insurance claims including lost baggage, holiday cancellation, medical and travel delay, etc. Register and submit your claim online by clicking here. Download a claim form by clicking here. Call the claims helpline to request a claim form +44 (0) 1403 288 421**. **Telephone calls may be recorded for security purposes and ...
The core elements of Sainsbury's Bank Travel Insurance are underwritten by ERGO Travel Insurance Services Ltd (ETI) on behalf of Great Lakes Insurance UK Limited. Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 10 Fenchurch Avenue, London ...
2. Keep key phone numbers to hand. Your policy documentation should list emergency contact numbers to call for guidance in medical emergencies and to begin claims. Keep these numbers with you during your holiday so you don't have to search around for them in a crisis. 3.
If you have a query about travel insurance, you can contact Sainsbury's general customer services helpline on 0345 305 2622. If you have a question about the claims process, you can contact Sainsbury's claims helpline on 01403 305 2622. If you have a medical emergency and need assistance, contact Sainsbury's 24-hour helpline on 01403 288 125
You can contact Sainsbury's Bank through the following: Phone: 0345 305 2622. Email: [email protected]. Their opening hours are: Monday to Friday: 9am - 5pm. Saturday to Sunday: Closed.
If you prefer to print the forms and complete by hand, you can scan the completed forms and email to the above address or post your completed form to: CSA Travel Claims 308 - 314 London Road Hadleigh, Benfleet Essex SS7 2DD . Please Note: A Claim Number will be allocated upon receipt of your completed Claim Form.
Customer service helpline. 0345 305 2622. Claims helpline. 01403 288 421. Legal costs and expenses. +44 (0)117 934 0548. Gadget claims and complaints. 0330 880 1762. ^Sales and Service lines are open 9am-5pm Monday to Friday, Closed Weekends and Bank Holidays.
If you're missing an item from delivery, have a query relating to the price of an item, have a problem with an item you have received, or are requesting a refund, please follow the option to contact us by phone for a quicker response. Alternatively, you can get in touch with us using the below contact form. If you would like to try and fix the ...
Sainsbury's travel insurance - worst ever! I agree with all these reviews. Sainsbury's travel insurance is the worst ever. I had phone, purse and sunglasses stolen in Barcelona. I completed a claim form. Got some money back with excess of £50 taken off, but the email said that I needed to claim separately for my iPhone.
Geographical regions of travel 14 Claims conditions 16 Table of Benefits 19 Section 1: Emergency medical and repatriation expenses 21 ... Sainsbury's Bank Travel Insurance is sold and administered by Hood Travel Limited, registered ... unless they are confirmed in writing and form part of the Policy. All communication between You and Us will ...
If you're abroad and have a medical emergency, you can call their medical assistance helpline 24/7 at: +44 (0)1403 288 125. For all other claims like lost luggage, holiday cancellation and travel delays you can register and submit a claim online. Alternatively, call the claims helpline to request a claim form on: 01403 288421.
Renewed with Sainsbury's and glad I did! 👍. I took a chance with a Sainsbury's Travel Insurance annual policy last year after being with The Co-op for several policies. I found Sainsbury's to be the cheapest option with the best variety of benefits inc. 20% off for Nectar Members and double Nectar points for the duration of the policy.
The Online Travel Insurance Claim Process. Once you're ready to go, you'll want to navigate to the online claims submission page on your desktop, tablet or mobile device. Then, follow these steps: 1. Help Allianz Global Assistance look up your policy. You can do so either by logging in or entering the following details:
It's as if Sainsbury's Bank's travel insurance offering has completely shut down but still taking policy purchases. In the Making a Claim pdf section of the policy, there is no information on how to contact Sainsbury's to raise a claim. The phone number provided online (0300 880 1762) is incorrect and no longer in use and does not dial a ringtone.
You can access your insurance documents online throughout the life of your policy. And if you need to access your documents after your policy ends, just call our Customer Services Team on 0345 305 2622*. * Sales and service lines are open 9am-5pm Monday to Friday. Closed weekend and Bank Holidays. Calls may be monitored or recorded.
How to contact Sainsbury's Bank. Customers with travel insurance queries can contact Sainsbury's Bank between 9am and 5pm from Monday to Friday, excluding Bank Holidays, on 0345 305 2622. The ...
Sainsbury's Bank Travel Insurance is sold and administered by Hood Travel Limited, registered at Companies House 08318836. Hood Travel is authorised and regulated by the Financial Conduct Authority under registration number 597211. Hood Travel Limited's registered address is at 2nd Floor, Decora Court, Tylers Avenue, Southend-on-Sea, Essex ...
Step 3. Round up all your documentation. To file a trip cancellation claim, you'll need to provide proof of two main things: the covered reason for cancellation, and the prepaid trip costs for which you want to be reimbursed. We provide a documentation checklist to guide you, but the exact documents required may vary depending on the nature ...
Need to file a travel claim? You're in the right place. File a travel claim, upload supporting documents, check the status of an existing claim and more.
Claim Form Completion Guide Dear policyholder, ... Sainsbury's Pet Insurance is sold, underwritten and administered by Allianz Insurance plc registered in England number 84638. Registered offi ce: 57 Ladymead, Guildford, Surrey, GU1 1DB. ... Details of any other travel insurance Company Name Other Providers Policy Number Other Providers
Took Sainsbury's travel insurance out… Took Sainsbury's travel insurance out after looking on compare who rated them good, not the cheapest but I went with a recognised brand, whilst abroad I had my phone stolen, when I returned I filled in the claims form, I then started receiving email from a company called Taurus who are a subsidiary of Sainsbury's, I sent the info they required, two days ...
CEB TravelSure is underwritten by Chubb Travel Insurance. ... To file a claim online, go to Chubb Claim Centre. You can make changes to your policy via Chubb's Self-Service Portal. For further assistance, you may also call their Customer Service Team at +632 8 859 2774. Please prepare your CEB TravelSure confirmation number. FAQ.
r guide to completing a claim. form for policyholders3Complete your pet's details.If the claim is for a new condition, please complete ALL sections a. 1. Remember to enter your policy. ondition), only need to complete the ma. ked with a C.2Have you entered your contact details? Phone and.