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Why your pregnancy doesn’t have to stop you travelling.

Wednesday, January 21st, 2015

Pregnancy travel insurance. Why being a mum-to-be shouldn’t stop you travelling.

.Pregnancy travel insurance

We have some exciting news at World First HQ. Senior Customer Service Supervisor Shushanah Tolley is expecting a baby on the 13th of June. Naturally she’s thrilled, as is her partner and fiancé, Tristan Rothwell, our very own Social Media Man. He’s beside himself at the prospect of being a father for the first time! As you can see from the pictures above.

Last chance for a child-free holiday?

While Tristan and Shushana have no plans for a big getaway before the event, it’s understandable that lots of young mums-to-be should want to travel before their baby is due. It is a fantastic opportunity to relax, take time out and enjoy the calm before the storm. After all, life and travel will never be the same again once the baby arrives. But what about getting pregnancy travel insurance?

Travelling while pregnant

Pregnancy is considered to be a ‘medical condition’ by the travel insurance industry, so you will need specialist cover. Also, if you were to head off on your holidays and didn’t declare it, the chances are your insurance company would decline any claim that arose as a result of that pregnancy. So it is absolutely vital that you take out a policy that will cover it.

Talk to a specialist insurer

Lots of travel insurance companies won’t cover pregnancy because it is seen as too great a risk. That means that cover you get free through your bank or with your credit card may not cover you without exclusions, if it covers you at all. Shop around and choose carefully who you go with. Some companies may refuse cover, while others may charge you a small fortune for it.

World First can cover you

We are happy to say that World First can offer pregnancy travel insurance cover with the same great range of benefits as all other travellers enjoy. In fact, we cover hundreds of mums-to-be each year who don’t want to let their pregnancy stop them from seeing the world. Our policies include medical expenses cover for pregnancy and childbirth from week 0 to week 28 while you are away. From week 29 to week 40 we can’t offer any cover for claims relating to a normal pregnancy or cancellation due to the pregnancy. However, we will provide this cover if you experience complications more than 12 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date.  These are: toxaemia, gestational hypertension, ectopic pregnancy, post-partum haemorrhage, pre-eclampsia, molar pregnancy or hydatidiform mole, retained placenta membrane, placental abruption, hyperemesis gravidarum, placenta praevia, stillbirth, premature birth, miscarriage, emergency caesarean or a termination needed for medical reasons.

Are you fit to travel?

All airlines and most ferry companies place restrictions on how far into your pregnancy you can travel. This can be as little as 28 weeks or as much as 38 weeks, depending on the company and the length of your journey. If you’re having trouble travelling by air or sea and are still keen to get away, it’s worth noting that there are usually no restrictions on coach or rail travel. The best thing to do here is to check with your carrier – before you book – that they will be willing to let you travel at your stage of the pregnancy at the time of travel. Unfortunately, if your carrier refuses to take you then we will be unable to cover you.

Getting vaccinations right

If you are planning to travel to a country that requires vaccinations it is important to do your research before you book. This means checking that you’ll actually be able to have the necessary vaccinations. If you discover – after booking – that you are unable to have the appropriate and required vaccinations as a result of your pregnancy then you will not be covered if you decide to (or have to) cancel your trip.

What if you have your baby when you are away?

It does happen! The good news is that we will cover both of you to travel home. If you have Annual cover all you have to do is let us know and we can add the baby to your policy before you travel home. Just make sure you keep us in the know.

Should you be worried about travelling when pregnant?

Unless you have been told by your doctor not to travel, then most likely, no. However, if you’re flying when pregnant, you may have a slightly increased risk of developing deep vein thrombosis – a potentially life-threatening blood clot that (usually) forms in the deep veins of the legs. This is why carriers are unlikely to carry you after a certain period. Simple preventative steps like wearing DVT socks, walking around every so often, staying well-hydrated and avoiding tight clothing will minimise the risks.

If in doubt, talk to us

Our Customer Service team have a lot of experience of helping mums-to-be. So if you have any doubts or worries about travelling, or our pregnancy travel insurance give us a call before you book anything. They will be able to let you know where you stand right from the off.

We look forward to hearing from you!

 

 

10 ways to make your partner’s heart soar this Valentine’s

Monday, January 12th, 2015

Valentine’s Day is coming! Better be on your best behaviour. But forget about the overcrowded restaurants, overpriced flowers, soulless cards and supermarket chocolates! This year it’s time to do something different. It doesn’t have to be lavishly extravagant or a grand romantic gesture, just something completely different.

We’ve compiled this list of ten very different ways to make your partner’s heart soar this Valentine’s Day. OK so there’s no Orient Express or trip to Paris on the list but who cares? Sometimes it’s good to go against the flow.

10 ways to make your partner's heart soar this Valentine’s (more…)

The World First Wander – the best travel writing on the Internet

Thursday, January 8th, 2015

The World First Wander – the best travel writing on the Internet

travel writing

Scotland: wild and beautiful. Is it in your travel plans for 2015?

Welcome to the first ‘Wander’ of 2015! A very happy New Year to you all.

New Year is all about goal setting for many people. This year it’s no different, with lots of travel bloggers writing about their plans for 2015. Judging by some of the blogs I have read, 2015 is going to be an epic year for travel.

So let’s see what the best British travel bloggers have got planned….

The Cosy Traveller, Emily Ray, has a few great suggestions in her post, “Where do I hope to travel in 2015?”. On her list is Scotland, a place that is ‘easily overlooked’ by the English – even though it is right on our doorstep. I agree. It really is a fantastic country, with wonderful scenery and a long and proud history . Of course it’s not the be and end all of Emily’s travel ambitions by any stretch, so take a look and be inspired!

Does anyone have plans to travel less in 2015? @jayneytravels AKA Girl Tweets World writer Jayne Gorman is planning on doing just that. However, as she’s living in Sydney it’s not an announcement that she’s retiring from travel blogging just yet! Far from it! When you have an entire continent to call home there’s always more to see in your own back yard!!! Anyway,  Travelling less in 2015 is a great read.

How about if you want to do more travelling this year? Then you may need to read one of our favourite travel blogs, The Travel Hack. It’s written by Monica Stott and has some great travel tips for getting more miles under your belt in 2015. Interested? Take a look at “How to travel more in 2015” if you are wavering….

Are you in the mood for setting goals for 2015? Blogger Frankie Thompson has put hers down in a big list of the things she wants to achieve in 2015. It might not be the same kind of things you might aspire to but the principle is there. Write it down and it’s more likely to happen! Make a list! Here’s Frankie’s travel and writing goals for 2015.

For those of you with resolutions rather than goals for 2015, “7 effective ways to become a better version of yourself this Year” , an interesting post from the quirky blog Hand Luggage Only, might be something to take a look at. . It’s not about places to go or things to do, rather a few suggestions to make yourself a better you in 2015. If that puts you off, don’t worry. If you are staring 2015 in the face wishing you could do it better than you did in 2014, it’s a fun list of things to ponder. The final point on the list? Travel more, of course.

To round up this week’s Wander, we go now to a post by another regular here, Ed Rex, who has listed some great British weekend getaways. It’s nice to see that he rates our hometown Exeter among them. So, if one of your goals for 2015 is to see more of the UK, it’s a great place to start. See his list of 15 British weekend breaks.

That’s it for now. See you next time.

Tristan

 

 

 

 

Snow or no snow? Where you stand with your travel insurance.

Tuesday, December 30th, 2014

Snow - Where you stand with your travel insurance

Booked to go skiing soon? Hoping for the best conditions is a natural part of the experience. There’s no guarantee of snow and certainly no promise of perfect conditions. Last month the press was awash with talk of snowless resorts in Europe yet this week it’s all about huge dumps stranding motorists and holiday makers and making travel very difficult in some areas of France. You simply never know what you’re going to get!

So we thought it might be a good time to let you know where you stand with snow and your World First travel insurance policy.

What happens if you get there and you can’t ski because there’s no snow?

With Winter Sports cover from World First you will be covered if there’s no snow on your skiing holiday – as long as it’s within certain limits. If you booked a skiing holiday in a resort that’s above 1600 metres between 1st January and 30th April then you’ll be covered for £20 per day up to a maximum of £400 with our Superior policy if you can’t ski. Maximum limits on our Economy and Standard policies are £200.

What happens if you can’t travel because of too much snow?

It might seem like the deepest of ironies to get stranded at home, in the UK, in a snowdrift, but it does happen.

This week we’ve already heard of a few problems with snow in the North of England and in previous winters we’ve seen snow disrupt thousands of flights. So what if it happens to you? While your airline is only obliged to get you from A to B and will either offer a refund or later flight, the good news is that you can claim on your World First travel insurance policy, as long as you booked it before any problems were forecast.

If you are delayed at the airport for 12 hours or more because of bad weather, we will compensate you providing you checked-in on time. You just need to get a representative of your airline to confirm the length and nature of your delay in writing.

If you are delayed for more than 12 hours at the airport you will be entitled to claim Trip Abandonment on certain policies, with a maximum payout of up to £5,000 on our single and multi trip Superior policies. So if you decide a major delay is no way to start the holiday of a lifetime, you’ll be able to recover your holiday expenses. Additionally, if bad weather causes an accident you’re involved in or your vehicle suffers mechanical breakdown en route to your departure point and you subsequently miss your flight, we will provide compensation up to the amount covered for trip cancellation. We will also pay-out if you are travelling to the airport on public transport that becomes delayed as a result of the adverse weather.

If snow delays you on the return leg of your journey, there’s no need to worry about extending your cover as your policy duration will automatically extend until you’re back in the UK.

What if there’s so much snow that you can’t get to your resort?

This did happen this week! Ski resorts are used to snow so it’s much more likely that you’ll be delayed by snow in the UK than in Europe or the USA. However, if you were to be delayed leaving or arriving in your resort due to avalanche your World First policy will cover the cost of additional transport and/or accommodation if you are unable to reach or leave your pre-booked resort because of access problems due to an avalanche.

What happens if you hit the wrong type of snow?

We aren’t talking about snow that stops trains. We are talking about snow that causes you to slip, trip or fall when you are away. Frankly it’s any type of snow, because, as all rational people know, there is an inherent risk of injury on winter sports holidays. So, whatever excuse you give for slipping and hurting yourself, no matter how seriously, we’ll be there to cover you.

Our policies will cover you for up to £10 million (with a Superior policy) worth of medical expenses, including the cost of medical emergencies and repatriation if you hurt yourself on your winter sports holiday. If you need to be airlifted off the mountain or even airlifted home after a serious injury it will more than cover it. And if someone else gets seriously injured on the slopes and it’s your fault, we’ll cover you for £2 million worth of personal liability cover too.

If you have any questions regarding your travel insurance, get in touch with us and we’ll do our best to give you all the help you need. Call 0845 90 80 161 or email info@world-first.co.uk.

 

 

 

Holiday water safety. If in doubt, don’t go out.

Thursday, November 13th, 2014

Holiday water safety. If in doubt, don’t go out.

Holiday water safety

Water safety: watch your kids like a hawk

World First staff writer, Martin D, is also a trained and qualified RNLI Beach Lifeguard. Following the recent drowning of holiday makers at home and abroad he explains how you can avoid getting in trouble in the sea while on your holidays and what to do if you see others in trouble.

There have been some disturbing incidents recently on beaches in the UK and Cyprus. In late October three people died at Mawgan Porth beach in Cornwall and in early November two British tourists died in the sea off Pathos.

These incidents are terrible tragedies made all the more so by the fact that, as far as I can tell from reading the reports, they were avoidable.

In both incidents there are a couple of common threads. Firstly there were no lifeguards present at either of the beaches in question because of the time of the year. Secondly, it appears that in both incidents the people who died had entered the water to save someone else who had got into trouble. In both incidents the people who had got into trouble in the first place survived. (more…)

Keep calm and carry on! Advice for travelling with kids.

Friday, October 10th, 2014

Keep calm and carry on! Advice for travelling with kids.

Advice for travelling with kids

Advice for travelling with kids

Are we nearly there yet? We’ve all heard it a thousand times haven’t we? It’s so old hat now that it’s gone beyond a cliche. But if anything spells out what it’s like to travel with kids it’s those five little words. It says it all: I’m bored, I want to be there now, I’m fed up with travelling. Of course there’s nothing you can do to make the journey go faster or to get you there any quicker, but there are lots of ways of keeping them on your side until you get there.

So, seeing as half term is looming here in England and Wales and the October holiday starts today in many parts of Scotland, we thought it would be useful to offer some travel advice and tips for parents, grand parents, aunties and uncles travelling with young children. Good luck! (more…)

France Passion: the secret to a perfect holiday!

Wednesday, October 8th, 2014

France Passion: the secret to a perfect holiday!

France Passion: the secret to a perfect holiday!

An Aire de Camping Car at Contis in Western France

If you could define what makes a perfect holiday, what would it be? Where would you go? How would you travel? What would you do when you get there? According to the results of our recent travel survey  46% of you like to take holidays in Europe and 40% of you like to travel independently.

So if you like having the freedom to explore Europe, taking your time getting from one place to another, staying in spectacular locations, meeting passionate locals and trying the very best food and produce – all the elements of enriching independent travel – then we have news for you.

You may have been doing it all wrong.

Why? Probably because you may not have heard of France Passion, a scheme that lets you stay for free on over 1800 sites around rural France. As guests of farmers, producers and wine growers the scheme gives you an invitation to stay on their property, try their very best produce, eat their home cooked food and feel welcomed like part of the family.

Sounds good? It is.

France Passion allows you to immerse yourself in the real France. You’ll meet people who genuinely want to meet you and who want to tell you about their lives, the history of their area and the things they grow. You’ll get to try their produce and find out more about France and its food than you ever could by visiting a tourist restaurant in a busy resort.

Stay for free? What’s the catch?

France Passion is a scheme solely for people who drive self contained motorhomes and camper vans. To join costs just £24.99, which buys you the list of destinations, details about each one and the facilities they offer. Each ‘host’ offers their land – for free – to pitch up overnight on the understanding that you’ll take an interest in what they do and will – at the very least – say hello and be friendly. Sometimes this may mean sampling their wine, eating at their bistro or buying a few bits of their home grown produce. There’s really no hardship in that, is there? It’s a small price to pay for a free overnight. Don’t worry about your French either – over 450 of the hosts speak English!

Motorhoming isn’t what you think it is

You might think that motor homing and camping isn’t for you. But things have changed in recent years. Motorhomes have now become more user friendly than ever and include showers, toilets and wash basins with options for satellite TV, cookers, microwaves, central heating and every single mod con you can think of.  And with a good amount of storage and fixed beds that don’t have to be made every night you really could be in a home from home every night of your trip.

It’s no wonder there are around 250,000 motorhomes registered in the UK. It’s a great way to be an independent traveller!

Motorhomes aren’t cheap, it’s true, but once you have made the investment you’ll be able to take off at a moment’s notice. All you need is an Annual Multi Trip travel insurance policy and France – and the rest of Europe – is your oyster.

Why France is fantastic for campers and motorhomes

France is a favourite country to visit for us Brits, and we are not alone in enjoying Gallic hospitality. France is also the world’s most visited country, with over 83 million visitors landing on French soil in 2013.

Happily, France is a very camping-friendly country too. Almost every town has a municipal camp site where it is possible to stay cheaply with basic facilities. There are also countless other private sites ranging from huge 5 star corporate sites with pools, spas and all kinds of facilities to ‘a la ferme’ campsites with nothing more than a tap and a loo.

As well as the France Passion scheme there is also a network of Aires de Camping Car where motorhomes and camper vans can pitch up overnight. They offer a place to fill up with water, empty tanks and service all the essentials. They cost anything from nothing to around €15 per night and are offered by the local community because they see the benefit of having motorhomes coming to their area. Invariably motorhomers – like any other visitor – will spend money in local shops and restaurants – so benefitting the town as a whole.

Once you’re here you might as well stay!

While we have no figures of the number of Brits heading off to over-winter in their motorhomes, we do know that many thousands of migrant Brits end up in places like southern Spain, Italy or Greece on extended trips to escape the British winter. And why not? Once you’re over the channel and ambling through France you might as well follow the sun south. If you have no responsibilities back home it’s an idyllic option for adventurous travellers.

A World First Single Trip travel insurance policy will cover you for up to six months if you are up to 89 years of age. It can also cover you for medical conditions and over 150 sports and activities.

Fancy a motorhome adventure?

See our travel insurance guide for European long stays.

Here is a useful guide to motorhomes from the Camping and Caravanning Club.

Buy the book! Vicarious Books are the UK publisher for France Passion and also publish a guide to the Aires de Camping Car in France, Spain and Portugal.

Get a quote for a World First travel insurance policy now.

Flying south for winter. A travel insurance guide.

Wednesday, September 24th, 2014

Flying south for winter. A travel insurance guide.

Flying south for winter - A travel insurance guide

A travel insurance guide

It’s that time of year when you might be starting to think about the annual migration south to escape the worst of the British winter. If you are one of the lucky ones who can, why wouldn’t you? Average high temperatures on the Costa del Sol in January, for example, are right up there at around 16 degrees with an average of 5 hours of sunshine per day. You might have to forgo your winter fuel allowance if you are over retirement age but would it really be so bad?

Before you go, don’t forget about your travel cover. It’s just as important for long stays as it is for the annual summer holiday!

Our guide to travel insurance for European long stays

1                      Do you need travel insurance?

While anyone can go anywhere without cover, we wouldn’t recommend it. A travel insurance policy will protect you against all kinds of disasters if you are spending a long time abroad, even if you have an EHIC card.

This EHIC card will give you access to basic medical healthcare in many parts of Europe (see our brief guide below) but it won’t cover repatriation or anything other than routine. In some places it won’t cover the cost of an ambulance! So if you need medication, long term care or out-patient care, you may have to pay for it. Your policy will also give you access to 24 hour emergency assistance and protect you if you lose your luggage, mislay your passport, have an accident, or have any of your possessions stolen. With some policies we’ll also cover your gadgets, valuables and even unauthorised calls on your mobile if it gets stolen. A travel policy is peace of mind if things go wrong. And they can.

For more information on using the EHIC card in Spain, CLICK HERE.

2                      Your access to healthcare in Europe

In Spain (and the Canary Islands), British citizens are entitled you to the same level of complimentary medical care as the Spanish locals receive. So you won’t have to pay the medical bills yourself in the unlikely event that you need urgent treatment while you’re away.

However, your EHIC won’t cover everything. It will not cover ongoing medical care, non-urgent treatment or medical repatriation. So if you need any kind of ongoing treatment, be prepared to pay for it. And be prepared for big bills if you don’t have travel insurance. According to figures from the Association of British Insurers fixing a broken arm in Spain can cost as much as £11,000!!!

In Portugal it is much the same. The healthcare system consists of three coexisting systems: the National Health Service (NHS), special social health insurance schemes (health subsystems) and voluntary private health insurance. As a foreign visitor from an EU country with an EHIC card you are entitled to the same level of care that any Portuguese citizen is entitled to that is free under the NHS system. However, your EHIC may only cover basic health issues such as sickness and accidents and can only be used at state run surgeries and hospitals. As with Spain the EHIC won’t cover ongoing medical care, non-urgent treatment or medical repatriation.

In France, things are slightly different. Your EHIC will cover around 30% – 40% of the cost of treatment as an in-patient in an approved hospital (state hospital or recognised private clinic).  You will also be billed for the balance as well as a fixed daily hospital charge of around €16. Funding for other medical care – such as a trip to the Doctors or the purchase of prescription medicines – works on a pay first, claim later basis. Prescribed medicines are between 35% and 65% subsidised by your EHIC, while the cost of ambulances and out-patient procedures is not covered in any part.

For other countries, see our Quick Guides on our website HERE.

3                      What policy should you go for?

We have a range of policies for people who want to stay away for the winter. For those up to the age of 89, our Single Trip policy will cover you for up to six months abroad. For those over the age of 89 and up to the age of 100 the maximum duration is 31 days for a single trip policy.

But who’s to say a little trip back at Christmas wouldn’t be nice?

However, if you plan on going for a few weeks at a time (up to 31 or 62 days) on a few occasions over the winter, then an Annual Multi Trip policy will be right for you. You can go away as often as you like to multiple destinations – so the world is your oyster!

Then again, if you plan to take off on a trip to multiple countries, our Long Stay policy may be right for you. Anyone from 18 to 65 can head off with us for up to 18 months.

4                      Declaring your medical conditions

Here at World First we cover 1000s of medical conditions. So don’t be afraid of the costs you might incur by declaring all your conditions for a long stay abroad. As specialist insurers we have seen it all and offer very competitive quotes for all kinds of conditions. In many cases we make travel possible for people living with medical conditions.

5                      Taking medication for your trip

With our travel insurance policies your medication will be insured if you misplace it. But you will need to produce a copy of your prescription if you lose it, so it’s always wise to take a copy with you. If you are staying for long periods though you may have to ask your GP for a repeat prescription. However, don’t forget that GPs are only allowed to prescribe for up to 3 months ahead. This could mean sourcing medication when you are abroad, which also means you should always remember to take that copy of your prescription with you. It will also make it easier to get through customs if you are stopped and have to explain yourself.

Also, it’s worth remembering that if you don’t pay for your prescriptions in the UK it doesn’t mean you automatically get them free abroad or can get them at all.

For more information read our ‘Sunbird’s Survival Guide’ or call us on 0845 90 80 161.

 

The World First Wander

Friday, September 19th, 2014

The World First Wander

The World First Wander

The World First Wander

September 20th 2014

Our weekly wander around the internet and the world of travel and travel blogging with Tristan Rothwell.

It’s been a busy week here at World First HQ, with lots of people booking holidays. Presumably to banish those “end of the summer” blues.

Mind you, if you have been booking a holiday I really hope your journey doesn’t start out like this one!  Things can go dreadfully wrong when you are travelling, which is why I decided to kick this week’s World First Wander off with a tale of near disaster… well, a tale of incompetence anyway.

My most embarrassing travel day ever  from The One Mile at a Time Travel Blog.

You wouldn’t let it happen to you, would you?

What if you do get stuck at an airport alone? It does happen. What you need is a friend! But if you are a bit shy about these things, let Christine Kaaloa aka Grrrltraveler furnish you with her tips on How to make friends when you travel alone.

So why travel? To learn and grow as a person? Absolutely. That’s why I love this next post from Shivya Nath. It’s all about how she manages to combine work, life and how she travels. Fascinating stuff. One year of travelling without a home

When it comes to observations on flying and travel this is one of the best I have ever read. It was written by Peter Jon Lindberg and I guarantee that if you have been on a plane more than once you will have met some of the people described in The plane truth : you don’t really know someone till you have flown together.

Moving onto something almost everybody loves… a drop of vino. I found “Exploring the tempting South Africa wine region” on Travel Addicts . It certainly looks like a tempting tipple to me – and I am sure  a lot of our readers would love it too!

A bit closer to home now for some of the best spots to eat in London as hunted down by @travelocafe.  I like the idea of eating my way around a city. If you do too,  check out their post Eating our way around London in the search for the best food in the city.

If there is one thing I love more than eating it’s music. I am always at my happiest when sat playing my guitar hence, including Hilarye Fuller’s  recent blog post on a trip to Nashville. I am really jealous of this one I must say! Have a read of Backstage tour of The Grand Ole Opry if you love music too!

I am going to finish off with something from this blog. But it’s not a post about our Travel Insurance! This one is about why my brother (and boss) and his wife Kate are doing the Dawlish Triathlon on the 28th of this month.  They are raising money for The Children’s Trust so please take 2 minutes to have a look. If you can’t sponsor them, please hit the share button and help to spread the word.

Click here to see the post.

Thanks!

Tristan

P.S. I hope you have enjoyed this week’s World First Wander. Let me know which posts you liked most and let us know if there’s anything you’d like to see here too! Until next week.

Air France pilots on strike. Where do you stand?

Tuesday, September 16th, 2014

Air France pilots on strike. Where do you stand?

Air France pilots on strike. Where do you stand?

Air France pilots on strike. Where do you stand?

 

It seems that no month goes by without news of another strike among cabin crew, ground crew or air traffic control affecting flights across Europe. This week it’s the turn of the pilots. Last week Air France announced a plan to move much of its operations in Europe to its cheaper subsidiary, Transavia, in order to save $1.3 billion. The news has sent the Air France pilots out, out, out on a week-long strike until the 22nd of September.

Why? (more…)

Rothwell & Towler Tourism House Woodwater Park
Pynes Hill Exeter EX2 5WS

World First is a trading name of Rothwell & Towler (2013) Ltd and is an appointed representative of Crispin Speers & Partners Ltd who are authorised and regulated by the Financial Conduct Authority, FCA register number 311507. Travel insurance premiums and availability of cover may vary depending on individual circumstances. If you are a consumer insured (i.e. a person buying insurance wholly or mainly for personal purposes unrelated to your employment), you have a duty to take reasonable care to answer questions fully and accurately, and that any information you volunteer is not misleading. This duty exists before the cover is placed, when renewed, or altered at any time throughout the duration of the policy. If you do not do so, your Insurer may be able to void your policy from inception. Rothwell & Towler (2013) Ltd, Registered in England No. 08294942. Registered Office: St Clare House, 30-33 Minories, London EC3N 1PE.

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