1. Why do I need insurance?
Your safety is our primary concern. Furthermore, having insurance will offer peace-of-mind to both students and families before starting out on their studies.
2. What does insurance cover?
For full details of what is covered by the insurance policy, please refer to the policy document. The insurance will cover many unforeseen events and conditions that would affect the beneficiaries health, finances or long term well-being.
3. Is there anything the insurance does not cover?
Yes, as with all insurance policies there are a number of general exclusions listed in the group policy under 'General Exclusions' which should be read carefully in addition to the 'What is not covered' sections of the group policy. Please also note that under most sections of the group policy the beneficiary will be responsible for paying the first £50 of each and every claim. It is the responsibility of the beneficiary to read and ensure that they understand the group policy.
4. How to make a claim or request assistance in the event of medical emergency
All medical claims are handled by our emergency assistance service who operate a 24/7 operation for medical emergencies. Contact the emergency assistance service on telephone number: +44 (0) 1243 621058
How to make a non medical claim
All non medical claims are handled by Endsleigh under a delegated authority - telephone number in the UK: 0800 923 4046 | from abroad: +44 (0) 1242 217301
Email firstname.lastname@example.org or
The travel claim form - www.endsleigh.co.uk/personal/travel-insurance/forms/travel-claim-form/
5. If I need to make a claim, when should I make it?
Claims should be made as soon as possible after the date of the incident for which the beneficiary is claiming. Claims must be made within 31 days of the incident.
6. What should I do if my baggage, money, passport or travel documents are lost, stolen or damaged?
The beneficiary must report to the local Police in the country where the incident occurred within 24 hours of discovery, or as soon as possible after that and obtain (at their own expense) a written report of the loss, theft or attempted theft of all baggage.
If baggage is lost, stolen or damaged while in the care of a carrier, transport company, authority, hotel or the beneficiary's accommodation provider the beneficiary must report to them, in writing, details of the loss, theft or damage and obtain (at their own expense) written confirmation of the loss. If baggage is lost, stolen or damaged whilst in the care of an airline the beneficiary must
a) Obtain a Property Irregularity Report from the airline
b) Give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy)
c) Retain all travel tickets and tags for submission if a claim is to be made under this group policy
The beneficiary must provide (at their own expense) an original receipt or proof of ownership for items lost, stolen or damaged to help the beneficiary to substantiate their claim.
7. Who will deal with an insurance claim once it has been reported?
We realise that when a claim is made it is a very stressful time. A dedicated team of travel claim handlers will make the claim as stress free as possible and help to answer any questions there may be.
8. Can the school staff assist me with making claims and in emergencies?
All claims must be made by telephoning either of the numbers above in section entitled 'how to make a claim' online, or via email, depending upon the nature of the claim, staff can help make this call if required.
9. Is there a refund if I have travelled but do not make a claim within the period of insurance?
There is no refund due even if no claims are made during the period of insurance.
10. What is the period of cover?
Cancellation cover is operative from the time you are accepted for cover and shall terminate when you leave your home to commence your trip. For all other sections of the group policy, the insurance commences when you leave your home to commence the trip and terminates at the time of your return to your home in your home country on completion of the trip.
11. What type of activities would I be covered for while I am abroad?
Over 100 sports and activities are automatically included for no additional charge and most are covered in full however often they are undertaken during the trip. Please see the group policy document for further information.
12. Am I covered for taking part in amateur competitions? (Such as a football tournament?)
Unless otherwise stated in the group policy documentation, cover is available for amateur sports competitions.
13. If I no longer want cover under the group policy, will I get a refund?
You may withdraw from participation in the group policy at any time by giving notice of that intention to the group policy holder. Any return of premium will be calculated from the date such participation ceases, provided you have not travelled or been the subject of a claim during any period for which cover was provided, in whih case no refund will be due. We reserve the right to charge a reasonable administration fee. (Please note: Cancellation cover is operative from the time you are accepted for cover. Therefore, if you withdraw from participation in the group policy you will be charged for the period between being accepted for cover and your travel departure date.)
14. What is an adjustment and when is it required?
An adjustment is when the beneficiary requires details of their cover to be changed. This could include changing the departure date, duration or increasing the cover levels.
15. Am I covered if I have a medical condition?
Please refer to Eligibility Information for details on pre-existing medical conditions.
16. Why does Cambridge Education Group use this policy over other insurance policies?
Endsleigh, the provider of the group policy, has been insuring students for over 50 years. They have a reputation in the UK as being one of the permier providers of insurance for students which comes from being able to draw on that wealth experience.
17. Can I take any leisure trips under this policy whilst they are in the UK studying?
If you, the student, have purchased the policy, you can take leisure trips to Europe for a maximum of 21 days. This is the maximum number of days allowed during the period of insurance.
18. How long a time period constitures a break?
The policy allows students to return home fro holidays during recognised holiday periods. Below are a couple of examples of different student scenarios:
A student is studying on an English programme from September to December, they then go home (ie. abroad for 3 weeks over Christmas, return to the UK to start a Foundation course in January, they then return home (ie. abroad for the Easter period). This student has returned home for a recognised holiday period and would only require a single policy.
A student studies an English programme from January to June, returns home for the summer (ie. 3 months) and returns in September to commence a Foundation programme. This student would require two policies. One from January to June for the English programme and one from September to June for the Foundation programme.
A student studies a programme from September to June but goes home (ie. abroad) at Christmas (3 weeks, and Easter 2 weeks). This student has returned home for a recognised holiday period and would only require a single policy.
A student studies from September to December and then has a break for 3 months and goes home (ie. abroad) and returns in April. This student would require two policies.
Please note: Where a single policy is issued, it needs to cover the initial arrival date and the FINAL departure date. The cover does extend to allow up to 21 days European travel during the period of insurance.
Important note: Listed above are some of the most frequently asked questions about the student insurance policy. This only covers some sections of your students cover and it is the responsibility of the student to read the policy carefully to ensure that they are entirely satisfied with the cover.