Travel Insurance - Key Facts

When buying Getcover travel insurance you should read all data presented to you and you should only confirm your acceptance of any Declarations when you are sure that you and all other insured parties conform with the relevant declaration.

You should also be aware that our policies are only available to persons who are:

1. resident in the Republic of Ireland (for at least 6 months of the year)
2. registered with a medical practitioner in the Republic of Ireland
3. in the Republic of Ireland at the time of purchasing the policy and before starting any trip
4. all trips must begin and end in the Republic of Ireland

No cover, including cancellation cover, will apply before cover commences.
For Single Trips cover commences from the date that the policy is paid for.
For Multi Trip policies cover commences on the start date of the policy not the date that the policy is paid for.

Annual multi-trip policies do not provide cover for trips over 31 days in length, or 90 days in length in the case of Standard or Premium policies where you have chosen the extended trip cover option. If your trip exceeds the limit you should purchase a Backpacker policy.

A husband/wife/civil partner or partner (who have co-habited for at least 6 months), plus any number of their unmarried, dependent children/grandchildren (including fostered or adopted), all aged under 18 years for single trips or under 23 for annual policies, at the time of purchase of the policy, who are living at home, in full time education. Independent travel is allowed by all persons including children.

If the child is in full time education at a college or university in or out the Republic of Ireland and:

1. Resides at the home address in Ireland for up to and including 3 nights of the week – we can cover that child under a family rated policy and they would be covered for any independent travel; or
2. Resides at the home address in Ireland for less than 3 nights a week – we can cover that child under a family rated policy, but they are only covered whilst travelling with a family member insured under the family rated annual policy (ie the child at university/college would not be covered for a holiday away with the girls/lads).

All quotes are valid for 14 days.

This travel insurance arranged by Getcover & Company, is underwritten by Mapfre Assistance.

Mapfre Asistencia Compañía de Seguros y Reaseguros, S.A. trading as Mapfre Assistance Agency Ireland is authorised by Dirección General de Seguros y Fondos dePensiones del Ministerio de Economía y Hacienda, in Spain, and is regulated by the Central Bank of Ireland for conduct of business rules.

The principal place of business of Mapfre Assistance Agency Ireland is at Ireland AssistHouse, 22-26 Prospect Hill, Galway. Mapfre Assistance Agency Ireland conducts business in Ireland in accordance with the Code of Conduct for Insurance Undertakings published by the Central Bank of Ireland. Registered in Republic of Ireland. Reg No 903874.

However, if you bought a Getcover policy with a start date before the 1st October 2017 the policy is underwritten by URV, a Branch Office of Union Reiseversicherung AG for United Kingdom and the Republic of Ireland Registered in England & Wales. Company No. FC024381 Branch No. BR006943A public body corporate with limited liability.
Registered Office: Maximilian Strasse 53, D-80530 Munich, Germany. Registered with Amtsgericht Munich, Germany Registered Number: HRB 137918. Union Reiseversicherung AG is authorised in Germany by BaFin and subject to limited regulation in the Republic of Ireland by the Central Bank of Ireland.

This is a travel policy that, subject to the terms, conditions and exclusions contained in the Policy Document, provides certain financial protection and medical assistance for your trip(s).

The levels of cover and excesses that apply are set out in the Schedule of Benefits on the Travel Validation Certificate. Certain Sections of your Policy carry an excess which means that you have to pay the first sum per person, per incident if you claim. The excess amount varies according to the Section you are claiming under.

The policy you have purchased will run for the period of insurance shown on your Travel Insurance Validation Certificate.

There is a statutory 14 day cancellation period starting from receipt of these documents.
If you cancel after this date we may charge a cancellation fee. You can cancel by phoning or writing to your issuing agent. If phoning please call: 01 526 7488. If writing please send to Getcover & Company, Getcover House, 6 Leopardstown Office Park, Sandyford, Dublin 18.

Your right to cancel will remain unaffected if any contingency beyond your control arises which makes it impracticable for you to communicate your wish to cancel. If you do not cancel this policy your cover will continue as detailed in your policy and summarised here.

We aim to give a good service. However, there may be times when things go wrong and you are not satisfied with the service you receive. If this happens, please contact Us and we will deal with any complaint promptly and professionally.

Should you have any query or complaint regarding a claim, in the first instance please follow this procedure:

Customer Service Complaints

If your query or complaint relates to a customer service or site related issue, in the first instance, please write to:

The Operations Manager,
Getcover & Company,
Getcover House Unit 6,
Leopardstown Office Park,
Sandyford,
Dublin 18,
Republic of Ireland.
Email: info@getcover.ie
Alternatively, you can call Getcover on: 01 526 7488.

Claims or Assistance complaints

For policies beginning "IE-GCE-"

If you would like to complain about the outcome of your claim, or assistance provided, please forward details of your complaint in the first instance by writing to:
MAPFRE Assistance,
Travel Claims Ireland,
Assist House,
22-26 Prospect Hill,
Galway.

Or you can phone 091 560 687

For policies beginning "IE-GCU-"

If you would like to complain about the outcome of your claim, or assistance provided, please forward details of your complaint in the first instance by writing to:
The Branch Manager,
URV,
1 Tower View,
Kings Hill,
West Malling,
Kent
ME19 4UY

If you are still not satisfied with our decision after following the above procedure, you may then write to:
The Financial Services Ombudsman’s Bureau
Third Floor
Lincoln House
Lincoln Place
Dublin 2
Republic of Ireland
lo-call: 1890 882090
Tel: 00353 (1) 6620 899

Please note the Financial Services Ombudsman’s Bureau will not consider your complaint until a final response letter has been issued. Please quote your insurance reference number and your claim number in all your correspondence to all parties involved with this procedure.

Please quote your insurance reference number and your claim number in all your correspondence to all parties involved with this procedure. This procedure is intended to provide you with a prompt and practical service with any complaints that you may have, and does not affect your legal rights.

Your Insurer is covered by the Irish Insurance Compensation Fund. You may be entitled to compensation from the fund if Your Insurer cannot meet their obligations. The Irish Insurance Compensation Fund provides funds for liquidators so that they may pay the valid claims of insolvent insurers. The fund will provide an amount up to 20,000 Euros or 90% of the net loss, whichever is lesser. You can get more information about compensation fund arrangements from the Central Bank of Ireland.