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Company Statement
We have tried to make this site as simple and easy to use as possible,
for those of you who have never bought online before we hope you will
take those tentative first steps to becoming a 'cyber buyer' with PHA.
We aim to make this a delightful experience and welcome your comments
and suggestions to congratulate us or to make comments so as to improve
our site. Please use Contact Us to tell us
your thoughts and what more you would like us to do for you.
PHA have been offering travel insurance via the web and launched our
first web site in February 1996. We were probably one of the first UK
companies to have an internet presence promoting travel insurance at
such low cost and have been used as example by others. The site remained unchanged for almost 5 years until we launched our current site on 1st of June 2001. After extensive research, and 5 years' experience which is rare in this new industry and careful planning we believe this site is our best yet and brings the traveller the very best value for money insurance at our lowest prices.
WHY buying travel insurance from PHA is
EASY
- You obtain a quote within seconds and unlike many other sites you are not asked loads of personal data questions beforehand.
- When you purchase your credit card information is safely encrypted via a secure payment server and you are returned to our site to see your unique certificate created before your very eyes.
- You can print out your insurance certificate and policy wording all
within minutes. So you can go away with everything you need.
How can we offer such low prices?
We now focus on marketing via the Internet exclusively without expensive marketing via the press or even the Yellow Pages. Instead, we decided to make sure our site was easily found on search engines and rely heavily on customer recommendation. We have offered a very
generous £3 discount for online purchase to encourage as
many of you as possible to buy online. We do need your support
however to Tell-A-Friend as we need
to spread the word if we are to keep our prices low.
Travel Insurance - Is It worth It?
It
is a fact that 1 in 5 travellers (20%) still travel abroad without insurance
whatsoever and run the risk of falling ill whilst abroad and
having to face huge bills and causing distress to relations and friends
at home who end up having to help. The time when the British Embassy
would assist are over as non insured travellers must take care of
themselves. We believe that at these low prices starting from only £5 no
one should complain about the cost of travel insurance and we hope you
tell as many of your friends as possible to book online with PHA and
travel safe and travel insured.
Please tell everyone to come to PHA for travel insurance as at these
prices you would be foolish not to protect your health.
Some of Your Frequently Asked Questions
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What do I need to do before I proceed?
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All you need is the following
- Dates of travel
- Dates of birth for all insured
- A printer that is connected to your computer
(it is not advisable to book online via Web TV unless you
have the ability to print what is on your screen)
Make sure you have sufficient paper in the printer and toner and it is
switched on.
You will need a credit or debit card. We regret we do not take AMEX or
Diners cards
All you need now is a holiday....
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Can I be sure the policies on offer are genuine?
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YES
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You can be assured that the policies on offer are supported by respectable and very experienced 24 hr assistance companies and underwritten by reputable carriers.
PHA are members of the AIIB and General Insurance Council. As independent intermediaries we abide by the code of conduct for the promotion of insurance products. Your contract of insurance is directly with the insurance company who provide a complaints procedure and comply to the Insurance Ombudsman in the unlikely event of a dispute.
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Will I be able to buy my policy online?
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YES
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You can, and if you follow the 4 simple steps and within 4 minutes you
will obtain a personalised certificate with a unique policy number,
emergency telephone numbers, the details of cover and policy wording
all on your own printer. This constitutes a legal document and is your
proof of insurance.
4 Simple steps to obtain your policy online within 4 minutes
- Quotation - Premium Calculator [15 seconds]
- Online Application - Check Details [3 mins]
- Enter Credit/ Debit Card [15 seconds]
- Print Out Certificate [30 seconds]
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Are my credit card details safe?
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YES
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We do not store
your card details on our site and use a secure encrypted bank approved
server [Secpay] to verify your card to enable the generation of your
unique certificate. This means that your credit card details are safe
from prying eyes.
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Will you post me anything to confirm the insurance?
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NO
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There is no need to post anything as you will obtain your policy documents on your printer, this is why we are giving you a £3 discount to save on administration costs, paperwork and postage. You have everything to travel.
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Can I extend my cover whilst abroad?
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NO
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You cannot extend cover whilst abroad on a trip policy this is only possible on Long Stay policies.
HAZARDOUS ACTIVITIES
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Motor Cycle riding - am I insured whilst riding a motor cycle?
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NO
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We regret you will not be insured for any loss of property or damage or
personal injury whilst riding on a motor cycle as a rider or passenger.
Please note, if you hire a motor bike whilst on holiday, you should take out comprehensive insurance at the time of hire.
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Is Scuba Diving covered?
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YES
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Up to 30 metres with all policies. See High Risk list for a detailed list of activities.
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Am I covered for activities such as water sports, white water rafting and other pursuits?
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Each policy will permit you to partake in a range of hazardous activities providing it is not the sole purpose of your trip. Many activities arew included as standard and some are excluded so please ensure you check the "High Risk" list of hazardous activities on the quote or application page.
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Are personal possessions covered for loss whilst kept in my Car?
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NO
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We regret personal possessions are not covered whilst in a vehicle whether locked or otherwise.
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Are my spectacles covered under valuables for loss or damage?
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NO
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We regret they are NOT covered due to the high degree of claims in the past it is not possible to accept any claims for Spectacles or designer Sunglasses.
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Will I receive junk mail for other products?
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NO
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We do not send you unsolicited mail neither do we pass on your details to a third party see privacy statement.
Whilst travel insurance will provide limited cover for expensive items it is primarily designed to cover your health. There is a limit specified on the policy which is subject to a single item limit you can claim.
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Baggage Loss - What is the single item limit?
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The limit depends upon the policy and you should read the policy but for quick reference the single item limits are £100 Gold Cover and £150 Platinum. Check Policy for any updates. We recommend you avoid taking expensive equipment such as laptops unless you insure them separately.
(Laptop insurance)
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