FAQ centre

So we can then direct you to the right information, please select below where you bought or are looking to buy your travel insurance policy.

If our FAQ's don't answer your question, speak to one of our agents today via the 'Chat With Us' button. We're here Monday – Friday 9am – 5pm.

Sainsbury's Bank, TopCashback or Quidco

When an airline cancels a flight, you're entitled to certain refunds and compensation from the airline.

We ask that before you contact us in relation to costs arising from the recent increase of flight cancellations you first directly approach your airline, tour operator or packaged holiday organiser.

If you're unable to get a refund or compensation from any of the above companies and you paid for your trip with a credit card you may also be able to recover your costs through section 75 of the Consumer Credit Act or via a 'chargeback claim'.

You can contact us on the following number if you need assistance abroad.

To make a claim before or after your holiday please use the contact details below (details can be found in your policy wording):

If you haven't received an email from us with instructions on how to register for our online customer portal and view your insurance documents, please email us at travelservice@insurance-sainsburysbank.co.uk and we'll email your documents to you within 1 working day. Please note, for data protection reasons, we can only send the documents to the email address provided at point of sale.

If you want to amend any of your personal details, you can speak with one of our agents via the 'Chat With Us' button. If you want to make a change to your policy cover, including changing your dates or extending your trip, please contact our team on 0345 305 2622. Please note, any amendment on your policy may result in a change in premium.

Our family policy covers up to 2 adults and up to 5 children aged 17 and under. If your children are 18 years or over, you may want to consider buying a group annual multi-trip policy. We can only offer this type of policy over the phone, so please call us on 0345 305 2623, Monday to Friday 9am-5pm, excluding Bank Holidays.

You can travel alone on all our policies if you're 18 years of age and over.

If you want to know more about the activities we cover, or if one that you're looking to take part in is not listed within our policy wording, you can speak to one of our agents via the 'Chat With Us' button or email us travelservice@insurance-sainsburysbank.co.uk and we'll see if there's anything we can do.

You can speak with one of our agents via the 'Chat With Us' button or email travelservice@insurance-sainsburysbank.co.uk to cancel your policy. We'll give you a full refund if you cancel within the 14 days of the receipt of your documentation and you haven't started a trip, made, or intend to make a claim.

Please note, for data protection reasons, we can only cancel a policy if the request is made via the same email address used to purchase the policy.

This will all depend on what you want to be covered for and who you're travelling with. You may want to consider how much your holiday has cost you and whether you have any pre-existing medical conditions that you could potentially need emergency treatment for abroad.

If you're only planning to travel once in a year, then a single trip policy could be more appropriate for you. Single trip policies do cover you to travel to multiple destinations, but you'll need to make sure that you advise us of all destinations when you get a quote.

If you're planning to go on holiday more than once in a year, then an annual multi-trip policy could be more cost effective and save you having to take out a new policy each time you travel. You'll also be covered for cancellation from the start date of your annual multi-trip policy, offering you value and peace of mind from the start.

You should make sure that each of the holidays you're planning will be covered by the policy you have selected.

The benefits, limits and excesses within your policy are per person, per claim. Therefore, if you've a couple, family or group policy, the limits and excesses will be for each of you individually.

You can find a full list of what our policies offer in our policy wording.

You should make sure that each of the holidays you're planning will be covered by the policy you've selected.

For annual multi trip cover the maximum trip duration is 62 days for silver and gold cover and 92 days for platinum cover. Trips within the UK are covered when you've prebooked accommodation for a minimum of 2 nights.

For single trip cover, the maximum trip duration 94 days.

All policies offered via our Sainsbury's Bank website provide you with gadget cover as standard. The amount of cover will vary depending on what cover level you purchase. All benefits are per person, per claim.

If you think you'll need additional cover for your gadgets, we offer an optional enhanced gadget cover that you can select when you get a quote with us.

Our policy wording will provide you with what cover your policy provides as standard and what our enhanced gadget cover will increase these limits to. Please see section 13 which details the gadget cover included as standard and the enhanced gadget should you choose to purchase.

Cruises are covered as standard within our single trip policies however you can choose our cruise add on which will provide additional cover for an extra charge. Cruises are not covered under our annual multi trip policies.

Our cruise add-on provides cover for the specific activities and risks associated with cruise holidays such as increased cover for your personal possessions, cover if you're confined to your cabin and missed excursions, or cruise itinerary changes.

As cruise holidays cover many different destinations, please make sure you're covered for each country you'll be visiting. Cruise cover is only available on single trip policies, not annual multi-trip policies.

You can find a full list of activities covered within our policy wording.

If an activity or sport that you're looking to take part in is not listed within our policy wording, you can speak with one of our agents via the 'Chat With Us' button.

Please note, you won't be covered under this policy whilst taking part in winter sports unless you select this cover which will incur an additional premium. Winter sports insurance provides cover for emergency medical treatment caused by your participation in winter sports activities, the delay, loss, theft or damage to your ski equipment, cover for ski pack expenses, piste closure and avalanche closure.

Our Standard Covid cover is included within all policies at no extra charge. It provides you with:

  • Cancellation if you have a Covid-19 diagnosis within 14 days of your departure
  • Emergency medical treatment and repatriation if you contract COVID-19 abroad.

Enhanced Covid-19 Cover is available for an extra charge on policies purchased through the Sainsbury's Bank website only. It costs £11 for a single trip and £15 for an annual multi trip it covers everyone on the policy. To add it simply select the 'enhanced Covid-19 Cover' when you get a quote.

The Enhanced Covid-19 add on includes:

  • Full cover if you visit Europe even when the FCDO advises against all but essential travel if the advice solely relates to Covid-19
  • Cancellation due to self-isolation if you're contacted by UK Test and Trace System
  • Cancellation if you have an adverse reaction to a Covid-19 vaccine
  • Cancellation for incomplete COVID-19 vaccinations due to illness

Covid cover is only available to customers who have taken vaccinations when offered to them.

To be covered, you need to have received all doses of the Covid-19 vaccine that you've been offered, including any booster jabs. Consideration will be given where you were medically unable to have the vaccination, and this is shown in your medical records. If you have refused any doses of the Covid-19 vaccine or any booster jab, then you won't be covered for Covid-19 related claims.

If you purchase your policy through the Sainsbury's Bank website, we have no upper age limit for single trip policies. For our annual multi-trip cover you must be aged 80 or under at the start of the policy period.

Children 17 or under must be accompanied by an adult over the age of 18 named on the insurance policy for the duration of the trip.

No, only UK residents who are registered with a UK GP can purchase travel insurance from Sainsbury's Bank. You must purchase travel insurance before leaving the UK, if you purchase a policy after leaving the UK there will be no cover and the policy may be void.

The benefits, limits and excesses within your policy are per person, per claim. Therefore, if you have a family or group policy, the limits and excesses will be for each of you individually.

Travel insurers class a "pre-existing medical condition" as an illness that you've had symptoms of or treatment for before your insurance being taken out, and before your trip has started, regardless of whether this is short-term or long-term.

Even if you've had a condition whereby your treatment has now stopped, you may still have to declare the illness as a pre-existing condition for some time afterwards. These can include lifetime conditions such as asthma, long-term illnesses like cancer or heart problems, injuries, and chronic conditions.

You should always declare pre-existing medical conditions on your travel insurance prior to taking the policy out and before your trip has started. If you don't declare these conditions, even if they're stable at the time of taking the policy out, you may end up not being covered when you travel.

If you don't declare your pre-existing medical conditions on your travel insurance policy, you run the risk of invalidating any claims you need to make that relate to your pre-existing medical condition. As such it's imperative that you declare them when taking out such a policy, and secure a medical travel insurance policy that covers existing medical conditions.

If any of your details change then you'll need to contact us on 0345 305 2622 as soon as possible to update your policy. Please note, an additional premium may apply.

If your details have changed and you travel without informing us of the changes then we may be unable to honour any claims which arise.

Yes, our single trip and annual multi trip policies cover holidays in the UK. You are covered for any trip not exceeding the maximum trip length as confirmed in your policy schedule, where you've pre-booked at least two nights' accommodation.

Travel delay is not covered for any trips within the UK (except for trips to the Channel Islands).

Provided you haven't already started your holiday, Sainsbury's Bank Travel Insurance policies will provide you with cover as soon as your purchase has been confirmed.

You are covered for bodily injury and illness whilst travelling when pregnant. Please check your transport provider's guidelines before travelling as they may have restrictions.

There is no cover available for medical costs associated with normal pregnancy. This policy is designed to provide cover for unforeseen events, accidents, illnesses and diseases and normal childbirth would not constitute an unforeseen event. Any costs arising from your pregnancy or childbirth, if the expected date of delivery is less than 12 weeks (16 weeks for a multiple birth) after the end of the trip, are not covered.

Nectar members save up to 20% on all travel insurance policies purchased on our Sainsbury's Bank website. The discount doesn't apply to premiums for pre-existing medical conditions, enhanced gadget cover or enhanced Covid-19 cover.

Compare The Market, Compare Cover, Uswitch, Go.Compare, Confused.com, Money.co.uk or theidol.com

When an airline cancels a flight, you're entitled to certain refunds and compensation from the airline.

We ask that before you contact us in relation to costs arising from the recent increase of flight cancellations you first directly approach your airline, tour operator or packaged holiday organiser.

If you're unable to get a refund or compensation from any of the above companies and you paid for your trip with a credit card you may also be able to recover your costs through section 75 of the Consumer Credit Act or via a 'chargeback claim'.

You can contact us on the following number if you need assistance abroad.

To make a claim before or after your holiday please use the contact details below (details can be found in your policy wording):

If you haven't received an email from us with instructions on how to register for our online customer portal and view your insurance documents, please email us at travelservice@insurance-sainsburysbank.co.uk and we'll email your documents to you within 1 working day. Please note, for data protection reasons, we can only send the documents to the email address provided at point of sale.

If you want to amend any of your personal details, you can speak with one of our agents via the 'Chat With Us' button. If you want to make a change to your policy cover, including changing your dates or extending your trip, please contact our team on 0345 305 2622. Please note, any amendment on your policy may result in a change in premium.

Our family policy covers up to 2 adults and up to 5 children aged 17 and under. If your children are 18 years or over, you may want to consider buying a group annual multi-trip policy. We can only offer this type of policy over the phone, so please call us on 0345 305 2623, Monday to Friday 9am-5pm, excluding Bank Holidays.

You can travel alone on all our policies if you're 18 years of age and over.

If you want to know more about the activities we cover, or if one that you're looking to take part in is not listed within our policy wording, you can speak to one of our agents via the 'Chat With Us' button or email us travelservice@insurance-sainsburysbank.co.uk and we'll see if there's anything we can do.

You can speak with one of our agents via the 'Chat With Us' button or email travelservice@insurance-sainsburysbank.co.uk to cancel your policy. We'll give you a full refund if you cancel within the 14 days of the receipt of your documentation and you haven't started a trip, made, or intend to make a claim.

Please note, for data protection reasons, we can only cancel a policy if the request is made via the same email address used to purchase the policy.

This will all depend on what you want to be covered for and who you're travelling with. You may want to consider how much your holiday has cost you and whether you have any pre-existing medical conditions that you could potentially need emergency treatment for abroad.

If you're only planning to travel once in a year, then a single trip policy could be more appropriate for you. Single trip policies do cover you to travel to multiple destinations, but you'll need to make sure that you advise us of all destinations when you get a quote.

If you're planning to go on holiday more than once in a year, then an annual multi-trip policy could be more cost effective and save you having to take out a new policy each time you travel. You'll also be covered for cancellation from the start date of your annual multi-trip policy, offering you value and peace of mind from the start.

You should make sure that each of the holidays you're planning will be covered by the policy you have selected.

The benefits, limits and excesses within your policy are per person, per claim. Therefore, if you've a couple, family or group policy, the limits and excesses will be for each of you individually.

You can find a full list of what our policies offer in our policy wording.

You should make sure that each of the holidays you're planning will be covered by the policy you've selected.

For annual multi trip cover the maximum trip duration is 22 days for Essential cover, 32 days for Standard cover and 45 days for Premier cover. Trips within the UK are covered when you've prebooked accommodation for a minimum of 2 nights.

For single trip cover, the maximum trip duration 94 days.

Our Standard and Premier cover offered via the Compare the Market, Confused.com and Go Compare website provide you with £1,000 gadget cover against accidental damage, theft, malicious damage and loss and unauthorised usage as standard.

If you think you’ll need additional cover for your gadgets or want to have gadget cover on your Essential policy and did not select for this to be added within your quote, we offer an optional gadget extension that you can add to your policy for an additional premium so please call us on 0345 305 2623, Monday to Friday 9am-5pm, excluding Bank Holidays.

Our policy wording will provide you with what cover your policy provides as standard and what our enhanced gadget cover will increase these limits to. Please see section 13 which details the gadget cover included as standard and the enhanced gadget should you choose to purchase.

Cruises are covered as standard within our single trip policies however you can choose our cruise add on which will provide additional cover for an extra charge. Cruises are not covered under our annual multi trip policies.

Our cruise add-on provides cover for the specific activities and risks associated with cruise holidays such as increased cover for your personal possessions, cover if you're confined to your cabin and missed excursions, or cruise itinerary changes.

As cruise holidays cover many different destinations, please make sure you're covered for each country you'll be visiting. Cruise cover is only available on single trip policies, not annual multi-trip policies.

You can find a full list of activities covered within our policy wording.

If an activity or sport that you're looking to take part in is not listed within our policy wording, you can speak with one of our agents via the 'Chat With Us' button.

Please note, you won't be covered under this policy whilst taking part in winter sports unless you select this cover which will incur an additional premium. Winter sports insurance provides cover for emergency medical treatment caused by your participation in winter sports activities, the delay, loss, theft or damage to your ski equipment, cover for ski pack expenses, piste closure and avalanche closure.

Our Standard Covid cover is included within all policies at no extra charge. It provides you with:

  • Cancellation if you have a Covid-19 diagnosis within 14 days of your departure
  • Emergency medical treatment and repatriation if you contract COVID-19 abroad.

Enhanced Covid-19 Cover is not available on our policies sold via a price comparison site. If you would like to talk to us about our Enhanced Covid-19 cover, please speak with one of our agents today via the 'Chat With Us' button and we can discuss whether there is a more suitable policy to meet your needs.

The Enhanced Covid-19 add on includes:

  • Full cover if you visit Europe even when the FCDO advises against all but essential travel if the advice solely relates to Covid-19
  • Cancellation due to self-isolation if you're contacted by UK Test and Trace System
  • Cancellation if you have an adverse reaction to a Covid-19 vaccine
  • Cancellation for incomplete COVID-19 vaccinations due to illness

Covid cover is only available to customers who have taken vaccinations when offered to them.

To be covered, you need to have received all doses of the Covid-19 vaccine that you've been offered, including any booster jabs. Consideration will be given where you were medically unable to have the vaccination, and this is shown in your medical records. If you have refused any doses of the Covid-19 vaccine or any booster jab, then you won't be covered for Covid-19 related claims.

If you purchase your policy through a price comparison website, we have an upper age limit of 85 years at the start of your policy for single trip policies. For our annual multi-trip cover you must be aged 75 or under at the start of the policy period.

Children 17 or under must be accompanied by an adult over the age of 18 named on the insurance policy for the duration of the trip.

No, only UK residents who are registered with a UK GP can purchase travel insurance from Sainsbury's Bank. You must purchase travel insurance before leaving the UK, if you purchase a policy after leaving the UK there will be no cover and the policy may be void.

The benefits, limits and excesses within your policy are per person, per claim. Therefore, if you have a family or group policy, the limits and excesses will be for each of you individually.

Travel insurers class a "pre-existing medical condition" as an illness that you've had symptoms of or treatment for before your insurance being taken out, and before your trip has started, regardless of whether this is short-term or long-term.

Even if you've had a condition whereby your treatment has now stopped, you may still have to declare the illness as a pre-existing condition for some time afterwards. These can include lifetime conditions such as asthma, long-term illnesses like cancer or heart problems, injuries, and chronic conditions.

You should always declare pre-existing medical conditions on your travel insurance prior to taking the policy out and before your trip has started. If you don't declare these conditions, even if they're stable at the time of taking the policy out, you may end up not being covered when you travel.

If you don't declare your pre-existing medical conditions on your travel insurance policy, you run the risk of invalidating any claims you need to make that relate to your pre-existing medical condition. As such it's imperative that you declare them when taking out such a policy, and secure a medical travel insurance policy that covers existing medical conditions.

If any of your details change then you'll need to contact us on 0345 305 2622 as soon as possible to update your policy. Please note, an additional premium may apply.

If your details have changed and you travel without informing us of the changes then we may be unable to honour any claims which arise.

Yes, our single trip and annual multi trip policies cover holidays in the UK. You are covered for any trip not exceeding the maximum trip length as confirmed in your policy schedule, where you've pre-booked at least two nights' accommodation.

Travel delay is not covered for any trips within the UK (except for trips to the Channel Islands).

Provided you haven't already started your holiday, Sainsbury's Bank Travel Insurance policies will provide you with cover as soon as your purchase has been confirmed.

You are covered for bodily injury and illness whilst travelling when pregnant. Please check your transport provider's guidelines before travelling as they may have restrictions.

There is no cover available for medical costs associated with normal pregnancy. This policy is designed to provide cover for unforeseen events, accidents, illnesses and diseases and normal childbirth would not constitute an unforeseen event. Any costs arising from your pregnancy or childbirth, if the expected date of delivery is less than 12 weeks (16 weeks for a multiple birth) after the end of the trip, are not covered.

Nectar members can currently save up to 20% on all travel insurance policies purchased on our Sainsbury's Bank website. The discount doesn't apply to premiums for pre-existing medical conditions, enhanced gadget cover or enhanced Covid-19 cover.

MoneySuperMarket

When an airline cancels a flight, you're entitled to certain refunds and compensation from the airline.

We ask that before you contact us in relation to costs arising from the recent increase of flight cancellations you first directly approach your airline, tour operator or packaged holiday organiser.

If you're unable to get a refund or compensation from any of the above companies and you paid for your trip with a credit card you may also be able to recover your costs through section 75 of the Consumer Credit Act or via a 'chargeback claim'.

You can contact us on the following number if you need assistance abroad.

To make a claim before or after your holiday please use the contact details below (details can be found in your policy wording):

If you haven't received an email from us with instructions on how to register for our online customer portal and view your insurance documents, please email us at travelservice@insurance-sainsburysbank.co.uk and we'll email your documents to you within 1 working day. Please note, for data protection reasons, we can only send the documents to the email address provided at point of sale.

If you want to amend any of your personal details, you can speak with one of our agents via the 'Chat With Us' button. If you want to make a change to your policy cover, including changing your dates or extending your trip, please contact our team on 0345 305 2622. Please note, any amendment on your policy may result in a change in premium.

Our family policy covers up to 2 adults and up to 5 children aged 17 and under. If your children are 18 years or over, you may want to consider buying a group annual multi-trip policy. We can only offer this type of policy over the phone, so please call us on 0345 305 2623, Monday to Friday 9am-5pm, excluding Bank Holidays.

You can travel alone on all our policies if you're 18 years of age and over.

If you want to know more about the activities we cover, or if one that you're looking to take part in is not listed within our policy wording, you can speak to one of our agents via the 'Chat With Us' button or email us travelservice@insurance-sainsburysbank.co.uk and we'll see if there's anything we can do.

You can speak with one of our agents via the 'Chat With Us' button or email travelservice@insurance-sainsburysbank.co.uk to cancel your policy. We'll give you a full refund if you cancel within the 14 days of the receipt of your documentation and you haven't started a trip, made, or intend to make a claim.

Please note, for data protection reasons, we can only cancel a policy if the request is made via the same email address used to purchase the policy.

This will all depend on what you want to be covered for and who you're travelling with. You may want to consider how much your holiday has cost you and whether you have any pre-existing medical conditions that you could potentially need emergency treatment for abroad.

If you're only planning to travel once in a year, then a single trip policy could be more appropriate for you. Single trip policies do cover you to travel to multiple destinations, but you'll need to make sure that you advise us of all destinations when you get a quote.

If you're planning to go on holiday more than once in a year, then an annual multi-trip policy could be more cost effective and save you having to take out a new policy each time you travel. You'll also be covered for cancellation from the start date of your annual multi-trip policy, offering you value and peace of mind from the start.

You should make sure that each of the holidays you're planning will be covered by the policy you have selected.

The benefits, limits and excesses within your policy are per person, per claim. Therefore, if you've a couple, family or group policy, the limits and excesses will be for each of you individually.

You can find a full list of what our policies offer in our policy wording.

You should make sure that each of the holidays you're planning will be covered by the policy you've selected.

For annual multi trip cover the maximum trip duration is 22 days for Essential Travel cover, 32 days for Standard Travel cover and 45 days for Premier Travel cover. Trips within the UK are covered when you've prebooked accommodation for a minimum of 2 nights.

For single trip cover, the maximum trip duration 94 days or 21 days for a trip to USA, Canada, Mexico and the Caribbean.

Our Standard Travel cover and Premier Travel cover offered via MoneySuperMarket website provide you with gadget cover against accidental damage, theft, malicious damage and loss and unauthorised usage as standard.

If you think you'll need additional cover for your gadgets or want to have Gadget cover on your Essential Travel policy and did not select for this to be added within your quote, we offer an optional gadget extension that you can add to your policy for an additional premium so please call us on 0345 305 2623, Monday to Friday 9am-5pm, excluding Bank Holidays.

Our policy wording will provide you with what cover your policy provides as standard and what our enhanced gadget cover will increase these limits to. Please see section 13 which details the gadget cover included as standard and the enhanced gadget should you choose to purchase.

Cruises are covered as standard within our single trip policies however you can choose our cruise add on which will provide additional cover for an extra charge. Cruises are not covered under our annual multi trip policies.

Our cruise add-on provides cover for the specific activities and risks associated with cruise holidays such as increased cover for your personal possessions, cover if you're confined to your cabin and missed excursions, or cruise itinerary changes.

As cruise holidays cover many different destinations, please make sure you're covered for each country you'll be visiting. Cruise cover is only available on single trip policies, not annual multi-trip policies.

You can find a full list of activities covered within our policy wording.

If an activity or sport that you're looking to take part in is not listed within our policy wording, you can speak with one of our agents via the 'Chat With Us' button.

Please note, you won't be covered under this policy whilst taking part in winter sports unless you select this cover which will incur an additional premium. Winter sports insurance provides cover for emergency medical treatment caused by your participation in winter sports activities, the delay, loss, theft or damage to your ski equipment, cover for ski pack expenses, piste closure and avalanche closure.

Our Standard Covid cover is included within all policies at no extra charge. It provides you with:

  • Cancellation if you have a Covid-19 diagnosis within 14 days of your departure
  • Emergency medical treatment and repatriation if you contract COVID-19 abroad.

Enhanced Covid-19 Cover is not available on our policies sold via a price comparison site. If you would like to talk to us about our Enhanced Covid-19 cover, please speak with one of our agents today via the 'Chat With Us' button and we can discuss whether there is a more suitable policy to meet your needs.

The Enhanced Covid-19 add on includes:

  • Full cover if you visit Europe even when the FCDO advises against all but essential travel if the advice solely relates to Covid-19
  • Cancellation due to self-isolation if you're contacted by UK Test and Trace System
  • Cancellation if you have an adverse reaction to a Covid-19 vaccine
  • Cancellation for incomplete COVID-19 vaccinations due to illness

Covid cover is only available to customers who have taken vaccinations when offered to them.

To be covered, you need to have received all doses of the Covid-19 vaccine that you've been offered, including any booster jabs. Consideration will be given where you were medically unable to have the vaccination, and this is shown in your medical records. If you have refused any doses of the Covid-19 vaccine or any booster jab, then you won't be covered for Covid-19 related claims.

If you purchase your policy through the MoneySuperMarket website, we have an upper age limit of 85 years at the start of your policy for single trip policies. For our annual multi-trip cover you must be aged 75 or under at the start of the policy period.

Children 17 or under must be accompanied by an adult over the age of 18 named on the insurance policy for the duration of the trip.

No, only UK residents who are registered with a UK GP can purchase travel insurance from Sainsbury's Bank. You must purchase travel insurance before leaving the UK, if you purchase a policy after leaving the UK there will be no cover and the policy may be void.

The benefits, limits and excesses within your policy are per person, per claim. Therefore, if you have a family or group policy, the limits and excesses will be for each of you individually.

Travel insurers class a "pre-existing medical condition" as an illness that you've had symptoms of or treatment for before your insurance being taken out, and before your trip has started, regardless of whether this is short-term or long-term.

Even if you've had a condition whereby your treatment has now stopped, you may still have to declare the illness as a pre-existing condition for some time afterwards. These can include lifetime conditions such as asthma, long-term illnesses like cancer or heart problems, injuries, and chronic conditions.

You should always declare pre-existing medical conditions on your travel insurance prior to taking the policy out and before your trip has started. If you don't declare these conditions, even if they're stable at the time of taking the policy out, you may end up not being covered when you travel.

If you don't declare your pre-existing medical conditions on your travel insurance policy, you run the risk of invalidating any claims you need to make that relate to your pre-existing medical condition. As such it's imperative that you declare them when taking out such a policy, and secure a medical travel insurance policy that covers existing medical conditions.

If any of your details change then you'll need to contact us on 0345 305 2622 as soon as possible to update your policy. Please note, an additional premium may apply.

If your details have changed and you travel without informing us of the changes then we may be unable to honour any claims which arise.

Yes, our single trip and annual multi trip policies cover holidays in the UK. You are covered for any trip not exceeding the maximum trip length as confirmed in your policy schedule, where you've pre-booked at least two nights' accommodation.

Travel delay is not covered for any trips within the UK (except for trips to the Channel Islands).

Provided you haven't already started your holiday, Sainsbury's Bank Travel Insurance policies will provide you with cover as soon as your purchase has been confirmed.

You are covered for bodily injury and illness whilst travelling when pregnant. Please check your transport provider's guidelines before travelling as they may have restrictions.

There is no cover available for medical costs associated with normal pregnancy. This policy is designed to provide cover for unforeseen events, accidents, illnesses and diseases and normal childbirth would not constitute an unforeseen event. Any costs arising from your pregnancy or childbirth, if the expected date of delivery is less than 12 weeks (16 weeks for a multiple birth) after the end of the trip, are not covered.

Nectar members currently save up to 20% on all travel insurance policies purchased on our Sainsbury's Bank website. The discount doesn't apply to premiums for pre-existing medical conditions, enhanced gadget cover or enhanced Covid-19 cover.