Generally, the insurance should be taken out at the same time as the journey is booked. If the insurance is taken out on the basis of an insurance offer which has been sent with the booking confirmation, insurance taken out not later than Three days after the journey is booked is deemed to have been taken out at the same time as the journey is booked.
If insurance is taken out after the day on which you make your travel booking, a “waiting period” applies in respect of cancellation benefits, i.e. the cancellation cover applies only from the 10th day after the insurance has been taken out (except in the case of accident, death or Act of God).
For example: your guest books the summer holiday in January and takes out travel insurance on 1st March, the cover in respect of cancellation does not start until 11 March.
If you take out cover via the Internet site, your insurance policy will be immediately displayed and sent to you by email by way of confirmation.