Free Spirit

For travellers of any age with medical conditions.

Travel Plus

Travel Insurance that gives you more.

Adventures

For hazardous activities while overseas.

Longstay & Backpacker

For all types of extended trips.

Top Up My Cancellation Cover

Up to £50,000 additional cancellation cover.

High Value Cancellation Cover

Cover for ultra high net worth travel.

Coach Plus

Especially for Coach Trips in the Uk & Europe.

Euro Plus

European motor breakdown cover.

Staycationplan

Designed for UK-based holidays.

Mission, Vision & Values

Giving travellers the freedom to travel, with confidence.

Our History

Over thirty years providing specialist travel insurance solutions.

Reviews

Happy customers are are the heart of everything we do.

Awards

Our work has been recognised in some prestigious awards.

Our Team

The people who make P J Hayman what it is.

Contact

All P J Hayman Key Contacts and how to get in touch.

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Specialist Travel Insurance for Veterans

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Top Up My Cancellation Cover

Extra Cancellation Cover to 'top-up' existing policies

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.

General
Claims
Buying Online
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 from Top Up My Cover Cancellation 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.

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.