You have the option to cancel all your current policies with other providers and start all risks with Archipelago at the same time, alternatively you can attach each one to your Archipelago policy as they expire and come up for renewal. We suggest you provide your adviser with the current policy renewal dates, who will enter these into the Archipelago platform which then calculate how the monthly premium changes as each risk attaches over the coming 12 months
Yes, all you need to do is give us 30 days’ notice of your intention to cancel. We can also cancel by giving you 30 days’ notice, but we are unlikely to do this except where we have not received premium from you
Unless you digest the T&Cs of many ‘packaged’ travel insurance products you’ll not know their limitations and exclusions especially around undeclared medical conditions. And you may miss their requests to update your medical records. At your Archipelago annual review, however, we’ll make sure all your records are up-to-date. Our comprehensive, worldwide cover will give you complete peace of mind. And we handle any claim you might make from start to finish.
If you’ve answered ‘Yes’ to certain questions we will ask you to complete a short online medical screening. We need to understand any potential issues up front to ensure any claim progresses swiftly and easily. We expect to accept 95% of all declared medical conditions.
Our standard excess of £500 applies to Home, Motor, Investment Property, and Travel. There is a £100 excess for a replacement windscreen and no excess for windscreen repairs. The excess on Pet cover is £100.
Your policy is fully flexible. You can add or remove risks or change the amount of cover at any time, without any admin charges. For example you can add a second vehicle or a new named driver and we will amend your monthly premium and not charge you any policy administration fees.
There is no annual renewal. However, your adviser will review your policy with you annually to make sure you are fully covered and make any policy changes. We also review the sums insured on which your premiums are calculated to ensure they remain appropriate and will then issue a revised policy schedule.
We believe it’s unfair to ask you to be an expert in these areas or to penalise you for a wrong estimate in the event of a claim. We use expert data providers to profile your risk and if we are wrong it’s our problem, not yours.
Yes, we provide this as standard in the UK and Europe, we provide provide you with one phone number that will be able to deal with any issues. You will be able to receive assistance accross the whole of europe and can guarantee someone will be able to come for you.
Yes, automatically for anybody under the age of 75 (subject to a medical screening) and includes winter sports. Trips of up to 90 consecutive days are covered as standard and longer periods by agreement. Cover for a person over the age of 75 will need prior agreement to them being added to the policy.