Find out more about our cruise specific benefits available with Free Spirit and Travel Plus.
Travel Insurance to cover for those people who are travelling solo.
We can cover most pre-existing medical conditions and disabilities.
P J Hayman’s range of travel insurance solutions to cover high risks.
Several of our policies cover a range of activities as standard, find out more here.
We have policies that can provide travel insurance for UK only trips.
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Cancellation cover ‘top-up’ of up to £50,000 per person – with an overall limit of £100,000 per policy.
We provide the top-up cancellation cover, as long as the primary insurer is covering you.
As long as the trip is covered by the primary policy, Top Up My Cover will also provide cover.
There is no need to declare any medical conditions, as long as you comply with the terms of your main policy.
The Top Up My Cover policy is available to people aged up to 85 years old. Please contact us for details.
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.
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 are only limited by restrictions on the underlying policy.
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 page.
Please use the options at the top to explore each section. Each question can be expanded in turn by clicking on it.
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.
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.
Yes, you must have an existing travel insurance policy in place before you can top up.
Learn how Top Up My Cover works to ‘top up’ your existing insurance.
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.
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.
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.
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.
Any change will need to be referred to insurers. Please call us on 02392 419 882 to discuss.
In order to have a joint policy, you must be on the same main insurance policy. If you have seperate insurances you wish you top up, you must have seperate top up policies.
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.
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.
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.
You can pay by debit or credit card. We accept Mastercard and Visa.
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.
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.
Please note that the information below applies to policies purchased from the 1st February 2024. For any policies purchased prior to this, please contact us.
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.
We are dedicated to providing you with a high-quality service and want to ensure that this is always maintained. If you feel that we have not offered a first-class service or have any questions or concerns about this Policy or the handling of your claim please contact us, 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:
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:
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.
The documents below are valid to policies purchased from the 1st February 2024. For any policies purchased prior to this, please contact us.
View our blog posts to plan your next trip with Top Up My Cancellation Cover.
