Are you able to offer insurance for short trips?

Yes we can insure trips within the UK for a minimum of 2 nights with accommodation booked in advance. By UK we mean strictly England, Scotland, Wales and Northern Ireland.

What happens if I lose my insurance documents? Is there any way to get copies?

Yes, you can call us on 0333 577 6500 or send us an email on email and we will be happy to re-send your documents via email or by post whichever you prefer.

What happens if someone steals my passport or I lose it abroad?

You should immediately go to the nearest police station in the country you are visiting and report the loss or theft of the passport as a crime reference number will be needed when filling in your passport replacement form. You should also report the incident to the UK Foreign and Commonwealth office (FCO), embassy, consulate or high commission of the country you are in. If you are not sure where the nearest FCO office is you can call +44 (0)20 7008 1500 (or 0870 606 0290* within the UK) or check online on FCO website. They will be able to help you and issue you with travel documents enabling you to come back to the UK.
*Calls cost 2p per minute plus your phone company’s access charge.

How long will I have to wait for my policy documents to be sent to me by post?

We put your documents in the post within 24 hours of receiving the quote so please allow between 2 to 3 days for the documents to arrive to your home address as that's our standard time.

What documents shall I take on holiday?

It's always good to have all documents so whenever you need you can refer to your insurance certificate or policy wording. The insurance certificate is obviously the most important document to have when travelling. If your insurance documents haven't arrived before you leave you can print them out from your email or just simply write down you policy reference number and our claims phone number. In the event of accident, illness or injury you will need these to make a claim.

Is there any limit to how many times I can go away throughout the year under your Annual multi Trip policy?

No, there is no limit; you can travel as often as you want. There is however a limit to how long each of your getaways can last and that depends on type of cover you have purchased. See your Policy Wording for full terms of cover.

If I purchase Annual Multi Trip insurance for my whole family, are we allowed to travel under this insurance separately, at individually convenient times?

Yes, you can travel as a family or independently, however, children under 18 who are travelling alone must be dropped off and picked up by an adult of over 21 years of age, who is happy to take responsibility for them.

What do I do when my Annual policy is coming to an end?

You don't have to worry, we will send you an invitation to renew your policy approximately one month before your renewal is due. This will give you ample time to read through your documents and contact us with any questions you may have.

Who provides travel insurance for Discount Insurance?

We work closely with a number a different insurers to provide a range of different levels of cover to suit your individual needs.

What currencies are accepted as payment?

Please note, that Discount Insurance can only accept payment in pounds sterling (£).

What is your cancellation policy

We hope you are completely delighted with your policy; however if you decide you do wish to cancel it, please contact us immediately. You must do this in writing to either email or Discount Insurance, The Business Exchange, 26/28 Hammersmith Grove, London, W6 7BA.

You have 14 days from the start of your policy, or from the day you receive your documents, to decide if this product meets your needs. If you choose to cancel this policy within this period, and no claim has been made, we will refund the policy, charging you only for time on cover. Cancellations made after 14 days of the start date will be subject to cancellation fee of up to £35. We will also retain a pro-rata premium for time on cover. For instance, if you paid £200 for a policy and cancelled this half-way you will be entitled to a refund of £100 for the unexpired portion of the policy less the cancellation fee of £35 (total refund in this instance would be £65). Please note any administration fees charged for policy set up are non-refundable if cancelled after the 14 days cooling off period.