This article explains the essentials of managing your Avanti travel insurance policy – from how quotes are calculated and eligibility requirements to making amendments, handling renewals, and payment options.
Making changes to your policy
Can I add another destination to my policy?
Yes, you can add an additional country to your policy, as long as you haven’t yet started travelling to that destination.
To do this, log in to your My Avanti account and head to “My Current Policies”, then select “Amend policy”. Follow the on-screen steps until you reach the “Travel Details” tab, where you can add your destination along with the departure and return dates.
For full details, you can also check our policy wording.
Can I change my travel dates?
If your travel provider needs to cancel your holiday, they have a responsibility to arrange alternative travel dates for you. If you decide to rebook, we offer the following options:
We can modify the start date of your single trip policy up to 24 months from the date of purchase providing you meet the eligibility criteria (additional charges may apply). If you require any changes, please ensure that you make them prior to the original return date of your trip.
I have a policy for a single trip, can I extend it?
If you haven’t travelled, then you can make this amendment online by accessing your My Avanti account.
If you’ve already travelled, please contact our customer services team. In these cases, extensions are considered individually and can’t be guaranteed, as they depend on the reason for the extension and the risks involved.
Personal details and special circumstances
Policyholder bereavement
If the policyholder has passed away and you need to send us a copy of the death certificate, you can do this by email. Please include a short cover letter so we know who it’s from and how it relates to the policy.
What if I need to change my personal details?
You can update most personal details, such as your address or payment details, by logging in to your My Avanti account.
If you’d rather speak to someone, or if you’re unable to make the change online, our renewals team can help over the phone.
What if my health conditions change?
You need to let us know if there are any changes to your health. You can make changes online by logging into your My Avanti account and following the below instructions:
- Log in to your My Avanti Account.
- Select “My Policies”.
- Choose “Amend my policy” on the policy you want to update.
- You’ll see a message asking: “Have any of the named travellers had a change in health since you first took out this policy?”
– Select “Yes” if you’re updating medical details. - Read the on-screen statements and select “Agree” if appropriate.
– If you select “Disagree”, you’ll be advised to contact our web chat team for help. - Scroll down and click “Continue” at the bottom of each page until you reach the “Medical” tab.
- Read the medical information, select “Agree”, then choose “Add”.
- Enter your medical condition, answer any questions if prompted, and click “Finish”. If your medical condition isn’t displayed, please check the spelling and try again. If it still doesn’t appear, our web chat team can help.
- Once your medical condition has been added, scroll down and click “Continue” until you reach the “Payment” tab and make payment for the changes you’ve declared.
- Your policy will then be updated, and you’ll receive confirmation of the changes via your chosen communication method.
You may be asked to pay a little extra to cover any additional conditions or changes to existing conditions.
What if my medical conditions have changed when I’ve been sent an auto-renewal?
It’s important to let us know about any changes to your health as soon as possible. This includes things like a new diagnosis or a change in medication.
You can update your medical details online by logging in to your My Avanti account. If you’d prefer to speak to someone, our renewals team can also help over the phone and talk you through your options.
What if some of my health conditions are missing from my certificate?
Your validation certificate (medical declaration) lists the health conditions you’ve told us about. If anything looks missing or incorrect, please get in touch so we can check it for you.
Renewing your policy
How do I renew my travel insurance?
Is your policy expiring? There are three ways to renew your annual travel insurance:
- Auto-renew your policy: when you first buy your annual travel insurance policy, you’ll be asked if you’d like us to automatically renew your policy each year. This way you get continuous cover, hassle-free.
- Renew your policy online: you can renew your policy yourself when your policy is due to expire. Don’t worry, you don’t have to remember the expiry date by heart, we’ll be in touch to remind you. Just log into your My Avanti account whenever it’s convenient for you.
- Call us to renew your policy: if you’d rather speak to someone over the phone, you can give our renewals team a call. They’ll run through your policy with you and make any changes needed.
Why do we automatically renew your annual policy?
Automatically renewing your policy helps prevent your cover from lapsing, with no gap between policies as long as your medical and payment details stay the same and you remain eligible.
That means your travel insurance stays in place year to year, so if you decide to book a last-minute trip, you’ll know your cover is already set up.
What if my medical conditions have changed when I’ve been sent an auto-renewal?
If you need to make changes to your policy, please contact us at least 5 days before your renewal date. You can reach our renewals team on 0333 014 6970. They’ll be happy to assist you.
If you’re abroad when your policy renews, we recommend opting into auto-renewal via your My Avanti account. Just keep in mind that auto-renewal applies on a like-for-like basis with no changes to your existing cover.
How does auto-renewal work?
If you choose to auto-renew your annual multi-trip policy, you’ll get a reminder by post at least 21 days before your current policy is due to expire. Your reminder will detail the price you paid for your last policy, and how much the policy will cost for the next year.
We’ll automatically renew your policy with the debit or credit card details you provided as long as they are valid. Payment will be taken the day before your current policy expires, so there’s no gap in your cover.
What if I want to only renew myself and not the other people named on the policy?
If you’d like to remove someone from your current policy, please let us know before it automatically renews.
You can give our renewals team a call, and they’ll be happy to help. We’ll need at least five days’ notice if you pay for your policy in one go, or 10 days’ notice if you pay monthly.
Can I stop my policy from automatically renewing?
If you’d like to cancel your upcoming renewal, please let our renewals team know at least five days before your renewal date. If you pay monthly, you’ll need to give us at least 10 days’ notice.
You can also opt out of future auto-renewals via your My Avanti account.
Can I renew my policy while travelling?
We’re unable to renew your travel insurance policy while you’re travelling outside of the UK. If you know you’re going to be on holiday when your policy expires, please get in touch to arrange continuous cover.
Your documents
Do I need to take all my policy documents with me when I travel?
We recommend packing a copy of your policy wording and validation certificate when you travel. These contain all the information you may need in an emergency.
Accessing your documents
You can access your documents by following the below instructions:
- Firstly, access your My Avanti account.
- Next, click “My Policies”.
- Select “My Policy Documents”.
- Select “Open” Or “Download PDF” on the document you require.
You’ll be able to download or open the following documents, Remember having a digital copy of these on your trip is perfectly fine.
- Validation certificate
- Insurance Product Information Document
- Terms of Business
- Policy wording
If you find a mistake in your documents
You can make changes online by logging into your My Avanti account. This includes personal details such as your age, address, phone number and email address, as well as some trip details. For everything else, you can speak with our friendly customer service team.
Upgrades
Can I change my policy from a single trip to an annual multi-trip?
To switch the policy type from a single-trip policy to an annual multi-trip policy, just access your My Avanti account.
Once logged in, navigate to “My Current Policies” and select “Amend my Policy”.
Follow the on-screen instructions until you reach the “Travel Details” tab, where you will find the option to amend your policy from a single trip to an annual multi-trip.
Once selected, continue with the on-screen instructions to finalise your change.
Remember the £15 admin fee is not charged when making changes through My Avanti, but you might need to pay for any increase in coverage such as a longer stay. We can collect or refund any additional premium securely; amendments must be made via My Avanti or by giving us a call. We are unable to action these via webchat or email but are working hard to move towards this in the future.
How do I add cruise cover to my policy?
If you have an existing policy with us and would like to add on cruise cover, please follow the below steps:
- Access your My Avanti account.
- Select “My current policies”.
- Choose “Amend my policy”.
- Follow the on-screen instructions until you reach the “Travel details” tab. You’ll see a question asking: “Will anyone travelling on this policy go on a cruise during the period of insurance?”
- Select “Yes”.
- Scroll down and click “Continue” at the bottom of each page until you reach the “Payment” tab.
- Your policy will then be updated, and you’ll receive confirmation of the changes via your chosen communication method.
No cover is provided for cruise holidays unless you have declared this to us by selecting “Yes” and ensured that “Cruise: Included” is shown on your validation certificate.
Changing your policy region
If you’re interested in upgrading your policy region, please follow the steps outlined below:
- Access your My Avanti account.
- Once logged in, Select “My current policies”
- Then select “Amend my policy”
- Follow the on-screen instructions until you reach the “Travel Details” tab, You’ll find a drop-down list below “Travel to”
- Select the region you wish to upgrade to.
- Scroll down and Click “Continue” at the bottom of each page until you reach the “Payment” tab
- Your policy will then be updated and you will receive confirmation of those changes via your chosen communication method.
We don’t provide cover to those countries or parts of countries where the Foreign, Commonwealth & Development Office (FCDO), or World Health Organisation (WHO) have advised against all, or all but essential travel.
Cancel my policy
How do I cancel my policy?
If you’d like to cancel your policy, please get in touch with our customer service team. If your policy has been auto-renewed, you have a 14-day cooling-off period to cancel and receive a refund (minus postage), provided no claims have been made.
Admin fees and downgrading cover
An admin fee is applied automatically by us whenever an amendment is made outside the 14-day cooling off period. You also have the option to make changes to your travel insurance policy, such as removing additional cover options, adjusting cover limits, or downgrading the geographical area covered, within the cooling off period, which spans the first 14 days from the purchase date.
However, once the cooling off period has ended, it is not possible to remove or decrease your level of cover. If you wish to make changes to your policy for future renewals, you can do so at the time of renewal.
You can do this by accessing MyAvanti or by contact our friendly renewals team.
