Oops, travelled without insurance? We can get you back on track
There is a 48 hour waiting period before the insurance takes full effect if cover is purchased after you have left home to commence your trip. Learn more.
Have you found yourself abroad without insurance cover? Perhaps your existing policy has lapsed, leaving you uninsured on your holiday? Don't panic, we can get you back on track.
Many insurers limit the number of days they can provide cover for, so if you've already been on your trip for a long time and want to extend, you may breach the maximum duration available under your cover and be left without insurance. This is where we can step in and look to offer cover despite you already being outside of the UK.
Left the UK cover is available for up to 365 days, providing you are under the age of 65. The following restrictions will apply for over 65's:
66 to 69 years: 93 days
70 to 74 years: 62 days
75 to 79 years: 31 days
In order to purchase Left the UK cover with It's So Easy, you must be a UK passport holder with unrestricted entry to the UK. You must also be registered with a GP in the United Kingdom, ensuring your medical records are accessible in the event of a claim.
You will be unable to travel to any country or destination where advice against all or all but essential travel exists from the Foreign, Commonwealth & Development Office or government, doing so will invalidate your insurance policy. You can find out more by visiting www.gov.uk/foreign-travel-advice.
A 48-hour waiting period applies from the start date of the policy, as shown on your schedule, before full cover becomes effective.
During the 48-hour waiting period the following limitations apply:
For the purposes of this policy, an accident is defined as a sudden, unexpected, and external event which causes a serious physical injury and necessitates immediate medical attention. Conditions arising from internal causes (e.g., illness or natural medical events) are specifically excluded from cover during the waiting period.
You shall not be eligible to purchase a new policy if you have exceeded the maximum allowable trip duration as shown in the Summary of Cover unless you have returned back to the United Kingdom. Any attempt to obtain additional coverage under these circumstances shall be deemed invalid and may result in the cancellation of the newly purchased policy without refund.
Please read the policy wording for full terms and conditions.
Getting a travel insurance quote after you've left home is really easy. Simply click one of the quote buttons on this page and you'll be directed to our customer quote journey. Here, you'll need to select 'Single Trip Left UK'. The quote journey will guide you to entering the period of cover you require, your destination, age and the number of travellers you need to insure. Continue to add optional activity cover, complete your personal details and disclose any pre-existing medical conditions. Once saved, we will send you an email with your quote summary and supporting documents.
If you would prefer to speak with a member of the team, we're available on live chat (Monday to Friday between 9am and 5pm) or you can call us on 01223 785 539.
Looking for something else? We offer a variety of travel insurance policies, designed to cover your every need. Whether you're going on a one way trip or have pre-existing medical conditions, let us help protect your next adventure.
When you purchase a travel insurance policy after you've left home, cover is normally subject to a 'waiting period'. During this waiting period, cover will be limited under certain sections of the policy. Please refer to the policy wording to read more about the 48 hour waiting period applicable to Left the UK policies with ISETI.
Left the UK policies are underwritten by Millstream Underwriting Limited, authorised and regulated by the Financial Conduct Authority.
To purchase this policy, you must be a permanent resident in the United Kingdom and be registered with a general practitioner.
Left the UK policies sort sports and activities into two categories according to risk. Those in L1 are covered as standard at no additional charge and will always be applied to your quote. If your activity is in category L2, you will need to add this option when applying for cover. Speak to an advisor if you're unsure about the cover you require.