Key Features
Cover of up to £50,000
Cancellation cover ‘top-up’ of up to £50,000 per person – with an overall limit of £100,000 per policy.
Simple Cover Process
We provide cancellation cover, as long as the primary insurer does.
Cover for all destinations and any duration
As long as the trip is covered by the primary policy, Top Up My Cover will also provide cover.
No medical screening
There is no need to declare any medical conditions, just ensure you comply with the requirements and terms of your main policy.
Available to Senior Travellers
Top Up My Cover is available to people aged up to † 85 years old.
If you have booked a holiday that costs more than your existing travel policy cancellation limit, you won’t get all your money back if you have to cancel your trip. The answer is to purchase EXTRA Cancellation cover.
Top Up My Cover Cancellation allows you to purchase up to £50,000 extra cancellation cover (per person) so that your holiday costs can be fully covered. So, if you already have a policy but need more Cancellation cover you don’t have to replace it with another – simply ‘Top it Up’! We cover you as long as your main insurer does.
Considering a trip of a lifetime?
Top Up My Cover (TUMC) is a unique and flexible policy that provides cancellation insurance of up to £50,000 per person, or £100,000 per policy.
TUMC will give you the freedom to travel, with confidence. Also, there’s no need to declare medical conditions.
Begin your adventure! Be covered for a trip anywhere in the world – “Top up” by up to £50,000 per person.
Call us for more details on 02392 419 882 or get a quote today.
† The maximum ‘top up’ amount is £50,000 per person (£15,000 per person if aged 75-79 and £10,000 per person if aged 80-85), with an overall limit of £100,000 per policy.
Eligibility & Restrictions
Eligibility
The policy is available to those permanently resident in the United Kingdom (England, Scotland, Wales, Northern Ireland, Channel Islands and the Isle of Man) and present in the United Kingdom at the time of purchasing.
As long as your existing travel insurance policy will cover you, we will too. Top Up My Cover only pays after a valid claim has been made on your main travel insurance policy so it doesn’t matter where you travel, how long you travel for or if you have medical conditions.
Age Limits
Top Up My Cover is available up to the age of 85 years.
You can top up your main travel insurance policy by up to £50,000 per person (up to £15,000 per person if aged 75-79 and £10,000 if aged 80-85), provided each person is on the same booking. The overall limit per policy is £100,000.
Trip Limits
Trip limits are only limited by restrictions on the underlying policy.
Frequently Asked Questions
There follow some commonly asked questions to give you more information about Top Up My Cover Travel Insurance and the cover offered. If you have a question that is not answered below, please reach out using the options on the contact us form at the bottom of the page.
Please use the options at the top to explore each section. Each question can be expanded in turn by clicking on it.
How much cover can I buy?
You can top up your main travel insurance policy by up to £50,000 per person (up to £15,000 per person if aged 75-79 and £10,000 if aged 80-85), provided each person is on the same booking. The overall limit per policy is £100,000.
If you require cover above these limits, please click here for details of an alternative policy – High-Value Travel Cancellation Insurance.
Does it matter how much cover my main travel insurance policy has?
You must have at least £1,000 of cover per person on your main travel insurance policy. It doesn’t matter how high the cover is.
Do I have to have a policy in force before I top up my cover?
Yes, you must have an existing travel insurance policy in place before you can top up.
Is cover immediate?
There is a waiting period of 7 days from the time that you take out your policy. If anything occurs in this period, or you are aware of anything that could give rise to a claim prior to taking out your Top Up Cancellation policy, you will not be covered.
I have a family policy. How does the top up cover apply to my two children?
You will need to check what the total cancellation cover is. Most policies will provide cover per person. So, if you have £3,000 per person and there are two adults and two children covered you will have £12,000 total cover. If your total trip cost is £18,000 then you would need a Top Up of £1,500 per person.
Who are the insurers?
Endurance Worldwide Insurance Limited are the underwriters for Top Up My Cover Cancellation. They are a wholly owned subsidiary of Sompo International Holdings Ltd. Endurance Worldwide Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
This can be checked on the Financial Services Register by visiting www.fca.org.uk.
Can I get Top Up My Cover Cancellation if I have an existing medical condition?
Top Up My Cover Cancellation only pays after a valid claim has been made on your main travel insurance policy so we will not ask you about any pre-existing medical conditions. However, you should always make sure that you have made a full declaration to the insurers of your main travel insurance policy to ensure that you are covered with them.
Can I increase the policy limit after I have taken out the policy?
Any change will need to be referred to insurers. Please call us on 02392 419 882 to discuss.
What happens if my claim is declined under my main travel insurance policy?
You will not be able to claim under your Top Up policy as it only pays out once your main policy has settled a claim up to the policy limit.
When should I tell you that I am going to make a claim?
You should notify insurers of your intention to make a claim within 31 days following the settlement date of your claim under your main travel insurance policy.
My claim does not exceed the amount covered under my main policy – what now?
You have no further need of the Top Up cover which was there in case you needed to make a claim for the full cost of your trip.
How can I pay for my policy?
You can pay by debit or credit card. We accept Mastercard and Visa.
How will I receive my travel insurance policy documents?
Once you have purchased your policy, you will receive an email with instructions on how to access your policy documents via a secure online customer portal.
Please note – if you have not received your email after a few hours, please check your spam email folder.
Can I get my money back if I want to cancel my policy?
If you are not completely satisfied with the cover provided you may return your policy to us within 14 days on receipt of your policy documents, provided that you have not already travelled and are not making a claim.
Important Information
Please note that the information below applies to policies purchased from the 1st February 2024. For any policies purchased prior to this, you can find all of the relevant information and documents on the Top Up My Cancellation Cover archive page.
Claims Notification
If you require a claim form, please contact our claims administrators at:
Claims Department,
PJ Hayman & Company Limited Stansted House,
Rowlands Castle,
Hampshire PO9 6DX
Telephone: 02392 419 045
Email: claims@pjhayman.com
Please quote Top Up My Cover Cancellation Insurance on any correspondence.
Making A Complaint
We are dedicated to providing you with a high-quality service and want to ensure that this is maintained at all times. If you feel that we have not offered a first class service or you have any questions or concerns about this Policy or the handling of your claim please contact us, quoting Agreement Reference Number B6151PJH2024 and we will do our best to resolve the problem.
If you have any questions or concerns about the insurance or the handling of a claim you should, in the first instance, contact your Scheme Administrator:
Compliance Manager
PJ Hayman & Company Limited
Stansted House
Rowlands Castle
Hampshire
PO9 6DX
Email: customerservices@pjhayman.com
We will aim to resolve your concerns within three (3) business days, following receipt of your complaint. A written Summary Resolution Communication will be provided to you if the complaint is resolved to your satisfaction.
In the unlikely event that you remain dissatisfied, you may be entitled to refer the matter to the Financial Ombudsman Service, free of charge.
If your complaint cannot be resolved within three (3) business days we will send you an acknowledgement letter to explain that your complaint has been escalated to the Head of Compliance, who will investigate your complaint and keep you informed throughout the process.
We will investigate your complaint and provide one of the following within eight (8) weeks of receipt of your complaint:
- A final response letter explaining the outcome of our investigation, the reason for our decision and information on the steps to take, should you remain dissatisfied; or
- A holding letter confirming when we anticipate we will have concluded our investigation.
Referring to the Financial Ombudsman Service:
Should you remain dissatisfied with the outcome of our investigation or we are unable to conclude our investigation within eight (8) weeks, you may be able to refer your complaint to the Financial Ombudsman Service (*if eligible), provided you do so within six (6) months of the date of the Final Response.
The contact details for the Financial Ombudsman are:
Financial Ombudsman Service
Exchange Tower
Harbour Exchange
London
E14 9SR
Customer Helpline: 0800 023 4567 or 0300 123 9123
Email: complaint.info@financialombudsman.org.uk
Visit the Financial Ombudsman website.
The Financial Ombudsman Service may not be able to consider a complaint if you have not provided us with the opportunity to resolve it first, or if you are:
- A small business which has an annual turnover of more than £6.5 million; and has annual balance sheet of more than £5 million; or employs more than 50 persons.
- A trustee of a trust with a net asset value of more than £5 million; or
- A charity with an annual income of more than £6.5 million.
The Financial Ombudsman Service is an independent service in the UK for settling disputes between consumers and businesses providing financial services. The complaints handling arrangements above are without prejudice to your rights in law.
Documents
The documents below are valid to policies purchased from the 1st February 2024. For any policies purchased prior to this, you can find all of the relevant information and documents on the Top Up My Cancellation Cover archive page.