Questions & Answers

CANCELLING A POLICY

Q. I purchased my travel insurance policy via the travel insurance website and want to cancel my policy, what should I do?

A. If you are cancelling your policy within 14 days of purchasing it and you have not commenced travel, you should email us at ryanairenquiry@acumus.com.

If you do not fit the above criteria, no refund will be given.

Q. I purchased my travel insurance policy via the Ryanair Direct call centre and want to cancel my policy, what should I do?

A. If you are cancelling your policy within 14 days of purchasing it and you have not commenced travel, you should email Ryanair Direct at insurancerefunds@ryanair.com.

Alternatively you can send a fax to +353 1 609 7902 or write to

Ryanair Insurance Refunds Department, Phoenix House, 28 Conyngham Road, Dublin 8, Ireland with your refund request.

Please ensure you quote the Ryanair Booking Reference & flight details, full contact address for the booking and the names & policy numbers of the passengers who wish to cancel within your email.

If you do not fit the above criteria, no refund will be given.

All refunds will be processed to the original form of payment, within 7 days of Ryanair receiving the e-mail.

Q. I purchased my travel insurance policy when purchasing my Ryanair flight ticket and want to cancel my policy, what should I do?

A. If you are cancelling your policy within 14 days of purchasing it and you have not commenced travel, you should email Ryanair Direct at insurancerefunds@ryanair.com.

Alternatively you can send a fax to +353 1 609 7902 or write to Ryanair Insurance Refunds Department, Phoenix House, 28 Conyngham Road, Dublin 8, Ireland with your refund request.

Please ensure you quote the Ryanair Booking Reference & flight details, full contact address for the booking and the names & policy numbers of the passengers who wish to cancel within your email.

If you do not fit the above criteria, no refund will be given.

All refunds will be processed to the original form of payment, within 7 days of Ryanair receiving the e-mail.

NON-RECEIPT OF YOUR POLICY DOCUMENTS

Q. I have booked my travel insurance policy whilst purchasing my Ryanair flight ticket, but cannot download my policy documents, what do I do?

A. Please call Ryanair Direct to request documents via the post.

From the UK - 0871 246 0000 - calls cost 10p per minute

From Ireland - 0818 30 30 30 - calls are charged at the national rate.

Q. I have booked my travel insurance policy on the travel insurance website, but have not received my confirmation of purchase or policy documents, what do I do?

A. Please email us – ryanairenquiry@acumus.com- requesting your confirmation of purchase to be emailed to you. Please ensure you quote your policy number, date you purchased the policy and email address in your email request.

Q. I have booked my travel insurance policy via the Ryanair Direct call centre, but have not received my policy documents, what do I do?

A. Please call Ryanair Direct to request duplicate documents.

From the UK - 0871 246 0000 - calls cost 10p per minute

From Ireland - 0818 30 30 30 - calls are charged at the national rate.

If you only require a copy of the policy, you can either download a copy from www.ryanairtravelinsurance.com or you can pick up a copy from the ticket desk at your departure airport.

AMENDING AN EXISTING POLICY

Q. I have booked my travel insurance policy via the travel insurance website and wish to amend the policy, what do I do?

A. Please email us – ryanairenquiry@acumus.com - requesting your changes. Please ensure you quote your policy number, full name and address and the date you purchased the policy in your email request.

Q. I have booked my travel insurance policy when I purchased my Ryanair flight ticket and wish to amend the policy, what do I do?

A. Please contact Ryanair Direct:

From the UK - 0871 246 0000 - calls cost 10p per minute

From Ireland - 0818 30 30 30 - calls are charged at the national rate.

Q. I have booked my travel insurance policy via the Ryanair Direct call centre and wish to amend the policy, what do I do?

A. Please contact Ryanair Direct:

From the UK - 0871 246 0000 - calls cost 10p per minute

From Ireland - 0818 30 30 30 - calls are charged at the national rate.

UPGRADING FROM A STANDARD SINGLE TRIP POLICY

Q. I have purchased a standard single trip policy via the travel insurance website and wish to upgrade the policy to either a Gold Policy, to include wintersports cover, to include business cover, or to include Scheduled Airline Failure Cover for the duration of the policy, what do I do?

A. Please go to www.ryanairtravelinsurance.com and select the option "Upgrade your policy" on the left hand menu bar.

Q. I purchased my Ryanair flight ticket and wish to upgrade the policy to either a Gold Policy, to include wintersports cover, to include business cover, or to include Scheduled Airline Failure Cover for the duration of the policy, what do I do?

A. Please go to www.ryanairtravelinsurance.com and select the option "Upgrade your policy" on the left hand menu bar or call the Ryanair Direct call centre:

From the UK - 0871 246 0000 - calls cost 10p per minute

From Ireland - 0818 30 30 30 - calls are charged at the national rate.

Q. I have purchased a standard single trip policy via the Ryanair Direct call centre and wish to upgrade the policy to either a Gold Policy, to include wintersports cover, to include business cover, or to include Scheduled Airline Failure Cover for the duration of the policy, what do I do?

A. Please contact Ryanair Direct:

From the UK - 0871 246 0000 - calls cost 10p per minute

From Ireland - 0818 30 30 30 - calls are charged at the national rate.

PRE-EXISTING MEDICAL CONDITIONS

Q. What is a pre-existing medical condition?

A. It is a medical condition which is known to you, which has been suffered or for which medication, advice or treatment has been received within nine months prior to the date of you purchasing this policy.

Q. Does the policy only exclude my pre-existing medical conditions?

A. No. It excludes pre-existing medical conditions which are known to you, concerning the health of you, your relatives, your travelling companions or anyone whose ill health would force you to cancel or cut short your trip.

A relative is defined as "brother, brother-in-law, common-law partner, daughter, daughter-in-law, fiancé(e), grandchild, legal guardian, parent, parent-in-law, sister, sister-in-law, son, son-in-law, or spouse who live in your country of residence."

Q. If I have or I know of a pre-existing medical condition concerning the health of myself, my relatives, travelling companions or anyone else whose ill health would force me to cancel or cut short my trip, can I still buy a travel insurance policy?

A. Yes, but there will be no cover under the cancellation & curtailment, medical & treatment expenses or the non-refundable golfing fees sections of your policy for any claims relating to the pre-existing medical condition.

A relative is defined as "brother, brother-in-law, common-law partner, daughter, daughter-in-law, fiancé(e), grandchild, legal guardian, parent, parent-in-law, sister, sister-in-law, son, son-in-law, or spouse who live in your country of residence."

Q. Is it possible to upgrade the policy to include a pre-existing medical condition?

A. No.

RESIDENCY

Q. Can I buy a travel insurance policy, if I do not live in the UK or Ireland?

A. No. You must be a resident in the UK or Ireland. To be a resident of a country, your main home must be in that country and you must not have been abroad for more than six months in the last year.

Q. Can I buy a travel insurance policy, if I have a British or Irish passport, but am currently working overseas?

A. Yes, if your main home is still in the UK or Ireland and you have not have been abroad for more than six months in the last year.

Q. Can I buy a travel insurance policy, if I am a UK or Irish resident, but am currently working overseas and my journey will commence and end outside of the UK or Ireland?

A. Yes, but only when purchasing your Ryanair flight ticket via www.ryanair.com.

You must be a resident of the UK or Ireland. To be a resident of a country, your main home must be in that country and you must not have been abroad for more than six months in the last year.

AGE LIMITS

Q. What are the age limits under the single trip, annual or backpacker policies you offer?

A. If you are booking the insurance for a trip which involves a Ryanair flight, there are no age limits under our single trip policies, however, any insured person aged 65 and over are subject to double the excess under the cancellation & curtailment, medical & treatment expenses and holiday abandonment sections of the policy only.

If you want to buy a single trip policy and your trip does not involve a Ryanair flight, we cannot offer cover for any person aged 65 or above on the date of departure if you require worldwide cover, or any person aged 70 or above on the date of departure if you require cover within Europe only.

If you want to buy a wintersports single trip policy, regardless of whether it involves a Ryanair flight, we cannot offer cover for any person aged 65 or above on the date of departure.

If you want to buy an annual policy, we cannot offer cover for any person aged 65 or above on the date you purchase the policy.

If you want to buy a backpacker policy, we cannot offer cover for any person aged 45 and over on the date of departure.

ANNUAL POLICIES

Q. Can children in full time education be covered under a "Family Rated" annual policy?

A. Yes, if living at home, children up to and including age 17 on the date cover commences, who are in full time education can be covered.

Q. Can children travel independently on Annual Multi Trip policies?

A. Yes, providing you have purchased a "Family Rated" annual policy. To be eligible for a "Family Rated" annual policy, all children must be living at home, be aged up to and including age 17 on the date cover commences and in full time education.

Q. Does the Annual Multi Trip policy cover include wintersports cover?

A. Yes, it offers cover for up to 24 days per year throughout the policy period.

CONNECTING FLIGHTS

Q. If my initial outbound or inbound flight is delayed, which results in me missing my connecting flight, am I covered under this policy?

A. No, this policy does not cover missed connecting flights.

COVERAGE FOR NON-RYANAIR FLIGHTS

Q. I have bought an annual policy, but my next trip does not involve flying with Ryanair, am I still covered?

A. Yes. The coverage under all annual policies includes coverage for flights and holidays, regardless of which carrier or travel company you are travelling with.

PARTICIPATION IN SPORTS & LEISURE ACTIVITIES WHILST YOU ARE AWAY

Q. Is there any cover under the policy for any leisure or sports activities I may participate in during my trip?

A. There is no cover under the policy for any activity which requires a degree of skill or involves a greater risk.

Q. Can the policy be extended to include activities or sports which do require a degree of skill or involve a greater risk?

A. No.

GOLF COVER

Q. Can I extend my travel insurance policy to include Golf Cover?

A. If you wish to include Golf Cover under your policy, you must upgrade to a "Gold Policy", as golf cover is automatically included under the Gold policies.

PAYMENT OF IPT/IGL

Q. Do I have to pay IPT/IGL (Insurance Premium Tax/Irish Government Levy)?

A. Yes. All sterling travel insurance premiums that we quote include IPT at 17.5%. All euro travel insurance premiums that we quote include IPT at 2%.

PAYMENT PROBLEMS

Q. I am trying to buy my travel insurance policy on the travel insurance website, but it will not accept my debit/credit card, what should I do?

A. During busy periods we sometimes experience a few problems. Please check that your credit/debit card is a card which is taken. If it is a valid card, please re-try buying the policy. If you continue to be unsuccessful, please contact us by email – ryanairenquiry@acumus.com

MAKING A CLAIM

Q. Is there a time limit for making a claim under the policy?

A. Yes, you must obtain a claim form no later than 31 days after the event

Q. How do I make a claim under my policy?

A. Please see the menu option "How to Claim".

NOTIFICATION OF THE EXPIRY OF AN ANNUAL POLICY

Q. If I have an annual policy, will I be notified of when the policy expires?

A. Yes. We will notify you via e-mail of the expiry of your annual policy at least 21 days in advance.

Questions & Answers

CANCELLING A POLICY

Q. I purchased my travel insurance policy via the travel insurance website and want to cancel my policy, what should I do?

A. If you are cancelling your policy within 14 days of purchasing it and you have not commenced travel, you should email us at ryanairenquiry@acumus.com.

If you do not fit the above criteria, no refund will be given.

Q. I purchased my travel insurance policy via the Ryanair Direct call centre and want to cancel my policy, what should I do?

A. If you are cancelling your policy within 14 days of purchasing it and you have not commenced travel, you should email Ryanair Direct at insurancerefunds@ryanair.com.

Alternatively you can send a fax to +353 1 609 7902 or write to

Ryanair Insurance Refunds Department, Phoenix House, 28 Conyngham Road, Dublin 8, Ireland with your refund request.

Please ensure you quote the Ryanair Booking Reference & flight details, full contact address for the booking and the names & policy numbers of the passengers who wish to cancel within your email.

If you do not fit the above criteria, no refund will be given.

All refunds will be processed to the original form of payment, within 7 days of Ryanair receiving the e-mail.

Q. I purchased my travel insurance policy when purchasing my Ryanair flight ticket and want to cancel my policy, what should I do?

A. If you are cancelling your policy within 14 days of purchasing it and you have not commenced travel, you should email Ryanair Direct at insurancerefunds@ryanair.com.

Alternatively you can send a fax to +353 1 609 7902 or write to Ryanair Insurance Refunds Department, Phoenix House, 28 Conyngham Road, Dublin 8, Ireland with your refund request.

Please ensure you quote the Ryanair Booking Reference & flight details, full contact address for the booking and the names & policy numbers of the passengers who wish to cancel within your email.

If you do not fit the above criteria, no refund will be given.

All refunds will be processed to the original form of payment, within 7 days of Ryanair receiving the e-mail.

NON-RECEIPT OF YOUR POLICY DOCUMENTS

Q. I have booked my travel insurance policy whilst purchasing my Ryanair flight ticket, but cannot download my policy documents, what do I do?

A. Please call Ryanair Direct to request documents via the post.

From the UK - 0871 246 0000 - calls cost 10p per minute

From Ireland - 0818 30 30 30 - calls are charged at the national rate.

Q. I have booked my travel insurance policy on the travel insurance website, but have not received my confirmation of purchase or policy documents, what do I do?

A. Please email us – ryanairenquiry@acumus.com- requesting your confirmation of purchase to be emailed to you. Please ensure you quote your policy number, date you purchased the policy and email address in your email request.

Q. I have booked my travel insurance policy via the Ryanair Direct call centre, but have not received my policy documents, what do I do?

A. Please call Ryanair Direct to request duplicate documents.

From the UK - 0871 246 0000 - calls cost 10p per minute

From Ireland - 0818 30 30 30 - calls are charged at the national rate.

If you only require a copy of the policy, you can either download a copy from www.ryanairtravelinsurance.com or you can pick up a copy from the ticket desk at your departure airport.

AMENDING AN EXISTING POLICY

Q. I have booked my travel insurance policy via the travel insurance website and wish to amend the policy, what do I do?

A. Please email us – ryanairenquiry@acumus.com - requesting your changes. Please ensure you quote your policy number, full name and address and the date you purchased the policy in your email request.

Q. I have booked my travel insurance policy when I purchased my Ryanair flight ticket and wish to amend the policy, what do I do?

A. Please contact Ryanair Direct:

From the UK - 0871 246 0000 - calls cost 10p per minute

From Ireland - 0818 30 30 30 - calls are charged at the national rate.

Q. I have booked my travel insurance policy via the Ryanair Direct call centre and wish to amend the policy, what do I do?

A. Please contact Ryanair Direct:

From the UK - 0871 246 0000 - calls cost 10p per minute

From Ireland - 0818 30 30 30 - calls are charged at the national rate.

UPGRADING FROM A STANDARD SINGLE TRIP POLICY

Q. I have purchased a standard single trip policy via the travel insurance website and wish to upgrade the policy to either a Gold Policy, to include wintersports cover, to include business cover, or to include Scheduled Airline Failure Cover for the duration of the policy, what do I do?

A. Please go to www.ryanairtravelinsurance.com and select the option "Upgrade your policy" on the left hand menu bar.

Q. I purchased my Ryanair flight ticket and wish to upgrade the policy to either a Gold Policy, to include wintersports cover, to include business cover, or to include Scheduled Airline Failure Cover for the duration of the policy, what do I do?

A. Please go to www.ryanairtravelinsurance.com and select the option "Upgrade your policy" on the left hand menu bar or call the Ryanair Direct call centre:

From the UK - 0871 246 0000 - calls cost 10p per minute

From Ireland - 0818 30 30 30 - calls are charged at the national rate.

Q. I have purchased a standard single trip policy via the Ryanair Direct call centre and wish to upgrade the policy to either a Gold Policy, to include wintersports cover, to include business cover, or to include Scheduled Airline Failure Cover for the duration of the policy, what do I do?

A. Please contact Ryanair Direct:

From the UK - 0871 246 0000 - calls cost 10p per minute

From Ireland - 0818 30 30 30 - calls are charged at the national rate.

PRE-EXISTING MEDICAL CONDITIONS

Q. What is a pre-existing medical condition?

A. It is a medical condition which is known to you, which has been suffered or for which medication, advice or treatment has been received within nine months prior to the date of you purchasing this policy.

Q. Does the policy only exclude my pre-existing medical conditions?

A. No. It excludes pre-existing medical conditions which are known to you, concerning the health of you, your relatives, your travelling companions or anyone whose ill health would force you to cancel or cut short your trip.

A relative is defined as "brother, brother-in-law, common-law partner, daughter, daughter-in-law, fiancé(e), grandchild, legal guardian, parent, parent-in-law, sister, sister-in-law, son, son-in-law, or spouse who live in your country of residence."

Q. If I have or I know of a pre-existing medical condition concerning the health of myself, my relatives, travelling companions or anyone else whose ill health would force me to cancel or cut short my trip, can I still buy a travel insurance policy?

A. Yes, but there will be no cover under the cancellation & curtailment, medical & treatment expenses or the non-refundable golfing fees sections of your policy for any claims relating to the pre-existing medical condition.

A relative is defined as "brother, brother-in-law, common-law partner, daughter, daughter-in-law, fiancé(e), grandchild, legal guardian, parent, parent-in-law, sister, sister-in-law, son, son-in-law, or spouse who live in your country of residence."

Q. Is it possible to upgrade the policy to include a pre-existing medical condition?

A. No.

RESIDENCY

Q. Can I buy a travel insurance policy, if I do not live in the UK or Ireland?

A. No. You must be a resident in the UK or Ireland. To be a resident of a country, your main home must be in that country and you must not have been abroad for more than six months in the last year.

Q. Can I buy a travel insurance policy, if I have a British or Irish passport, but am currently working overseas?

A. Yes, if your main home is still in the UK or Ireland and you have not have been abroad for more than six months in the last year.

Q. Can I buy a travel insurance policy, if I am a UK or Irish resident, but am currently working overseas and my journey will commence and end outside of the UK or Ireland?

A. Yes, but only when purchasing your Ryanair flight ticket via www.ryanair.com.

You must be a resident of the UK or Ireland. To be a resident of a country, your main home must be in that country and you must not have been abroad for more than six months in the last year.

AGE LIMITS

Q. What are the age limits under the single trip, annual or backpacker policies you offer?

A. If you are booking the insurance for a trip which involves a Ryanair flight, there are no age limits under our single trip policies, however, any insured person aged 65 and over are subject to double the excess under the cancellation & curtailment, medical & treatment expenses and holiday abandonment sections of the policy only.

If you want to buy a single trip policy and your trip does not involve a Ryanair flight, we cannot offer cover for any person aged 65 or above on the date of departure if you require worldwide cover, or any person aged 70 or above on the date of departure if you require cover within Europe only.

If you want to buy a wintersports single trip policy, regardless of whether it involves a Ryanair flight, we cannot offer cover for any person aged 65 or above on the date of departure.

If you want to buy an annual policy, we cannot offer cover for any person aged 65 or above on the date you purchase the policy.

If you want to buy a backpacker policy, we cannot offer cover for any person aged 45 and over on the date of departure.

ANNUAL POLICIES

Q. Can children in full time education be covered under a "Family Rated" annual policy?

A. Yes, if living at home, children up to and including age 17 on the date cover commences, who are in full time education can be covered.

Q. Can children travel independently on Annual Multi Trip policies?

A. Yes, providing you have purchased a "Family Rated" annual policy. To be eligible for a "Family Rated" annual policy, all children must be living at home, be aged up to and including age 17 on the date cover commences and in full time education.

Q. Does the Annual Multi Trip policy cover include wintersports cover?

A. Yes, it offers cover for up to 24 days per year throughout the policy period.

CONNECTING FLIGHTS

Q. If my initial outbound or inbound flight is delayed, which results in me missing my connecting flight, am I covered under this policy?

A. No, this policy does not cover missed connecting flights.

COVERAGE FOR NON-RYANAIR FLIGHTS

Q. I have bought an annual policy, but my next trip does not involve flying with Ryanair, am I still covered?

A. Yes. The coverage under all annual policies includes coverage for flights and holidays, regardless of which carrier or travel company you are travelling with.

PARTICIPATION IN SPORTS & LEISURE ACTIVITIES WHILST YOU ARE AWAY

Q. Is there any cover under the policy for any leisure or sports activities I may participate in during my trip?

A. There is no cover under the policy for any activity which requires a degree of skill or involves a greater risk.

Q. Can the policy be extended to include activities or sports which do require a degree of skill or involve a greater risk?

A. No.

GOLF COVER

Q. Can I extend my travel insurance policy to include Golf Cover?

A. If you wish to include Golf Cover under your policy, you must upgrade to a "Gold Policy", as golf cover is automatically included under the Gold policies.

PAYMENT OF IPT/IGL

Q. Do I have to pay IPT/IGL (Insurance Premium Tax/Irish Government Levy)?

A. Yes. All sterling travel insurance premiums that we quote include IPT at 17.5%. All euro travel insurance premiums that we quote include IPT at 2%.

PAYMENT PROBLEMS

Q. I am trying to buy my travel insurance policy on the travel insurance website, but it will not accept my debit/credit card, what should I do?

A. During busy periods we sometimes experience a few problems. Please check that your credit/debit card is a card which is taken. If it is a valid card, please re-try buying the policy. If you continue to be unsuccessful, please contact us by email – ryanairenquiry@acumus.com

MAKING A CLAIM

Q. Is there a time limit for making a claim under the policy?

A. Yes, you must obtain a claim form no later than 31 days after the event

Q. How do I make a claim under my policy?

A. Please see the menu option "How to Claim".

NOTIFICATION OF THE EXPIRY OF AN ANNUAL POLICY

Q. If I have an annual policy, will I be notified of when the policy expires?

A. Yes. We will notify you via e-mail of the expiry of your annual policy at least 21 days in advance.