Following careful consideration Clydesdale Bank have made the difficult decision to stop offering retail travel insurance underwritten by American International Group UK Limited (AIG).
If you have an Annual Multi-Trip Travel Insurance policy:
You’ll receive a letter from AIG 30 days before your renewal date providing you with details of an alternative travel insurance product.
In the meantime, please be assured that you’ll continue to be covered until your renewal date. Any claims up to this date will still be handled by the AIG claims team, as normal.
If you have any questions, you can contact AIG on 0345 602 6917 (open Monday to Friday 8am–8pm and Saturday and Bank Holidays 9am – 5pm).
If your travel insurance is provided with your Signature or Private current account:
Coronavirus (COVID19) and your travel insurance
As of 11 March 2020, the World Health Organisation (WHO) declared coronavirus (COVID-19) a pandemic. As of that date, COVID-19 is considered a foreseen event.
Coronavirus related claims will be considered for any element of travel booked on or before 11 March 2020, subject to the policy conditions and Foreign, Commonwealth & Development Office (FCDO) guidance.
We’ve upgraded our cover* and will now consider certain coronavirus-related claims for trips booked after 11 March.
For any trips booked after 11 March 2020:
*This change took effect on 18/11/2020 . You won’t see this change in your policy booklet or terms and conditions. General Exclusion 2 has been removed and has been added to the exclusions in Section A – Cancelling your trip and Section C – Cutting your trip short.
If you have booked to travel and now need to cancel as a result please speak to your ATOL-protected tour operator, your cruise provider, airline or accommodation provider in the first instance. In many cases, you will be able to re-arrange or get a full refund on your trip.
For more information on how the coronavirus may impact you, please visit our dedicated coronavirus travel support centre.
You can contact us in the normal way if you need to make a claim.
(Lines are open Monday to Friday between 8am and 8pm and on Saturdays and Bank Holidays between 9am and 5pm.)
Travel insurance policy documents
Travel insurance is provided and underwritten by American International Group UK Limited (FCA No 781109) which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (Formerly the Financial Services Authority) and the Prudential Regulation Authority.
Clydesdale Bank will not charge you a fee for arranging Travel Insurance but will receive commission from AIG for any sale made and subsequent policies renewed.
Medical Cover Directory – Access to Cover for Medical Conditions
The Money & Pensions Service has introduced a directory of travel insurance firms who can help consumers with existing medical conditions access to travel insurance that covers their conditions. This will help customers better understand how and where to get more affordable insurance if they are travelling with a medical condition(s). For example, this might include how you can get cover for a condition that may be currently excluded on your policy or where you are paying an additional premium to cover your medical condition(s).
If you would like further information, please visit the Money & Pensions Service website at https://traveldirectory.moneyadviceservice.org.uk/en or call 0800 138 7777.
Brexit Update - Travel Insurance
If you’re planning a trip to a European country in the next few months, you might be wondering if everything will go according to plan now that the UK has left the EU.
The UK government and the European Commission have said that everything should continue to run as normal, including your flights. But if you do need to make a Brexit-related claim, we’re here to help.
What happens if your baggage is delayed?
Your cover will work in the usual way, please double check the terms and conditions in your policy.
What happens if you have to pay for medical treatment while you’re away?
Your cover will work in the usual way. Your policy doesn’t require you to have a European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC), so your policy and coverage will stay the same.
What happens if your trip is cancelled, cut short or you miss your departure?
Your travel insurance works on a ‘named perils’ basis. That means the insurance protects you against the problems or events specifically named in your policy.
Brexit isn’t one of these, so you won’t be covered if a Brexit-related event means you have to cancel or cut short your trip, or if you are delayed or miss your departure because of it. This includes if you are not able to get the passport or visa you need for your trip, so be sure to check yours is valid as soon as possible. You can head to www.gov.uk for lots of helpful information on this.
What happens if you experience any other problems?
If you (or any other person covered by this policy) are unable to complete your trip because of reasons out with your control and these reasons fall within the conditions of the policy, your cover will continue as normal.
You can cancel your policy within 14 days of buying it or receiving your policy documents (whichever is latest). We’ll provide a full refund as long as you haven’t travelled or made a claim in that time.
If more than 14 days has passed since you bought your policy, we’ll still provide a refund but we’ll make a deduction based on how long you’ve been on risk for cancellation cover, plus a £15 admin fee. Again, we can only do this if you have not travelled or made a claim yet.
Every claim is handled on a case-by-case basis, according to your policy’s terms and conditions.
If you have any questions about travel insurance and Brexit, please contact AIG Travel on 0345 602 6917 or firstname.lastname@example.org.