If you have already registered for Visicover you can access all of your saved insurance quotes and policies as follows:

• Go to the Visicover homepage.
• Under the 'Existing Users' section, enter your registered email and password. If you do not remember your password please click here
• Once  logged in you will see your Dashboard on which will be displayed any quotes of policies associated with that registration

Arranging cover is easy:

• If you have previously registered, log in to Visicover.
• If you have not previously registered or are already logged in, click ‘Quote’ on the main menu and select the product you want.
• Complete the quotation questions, then click ‘Calculate’ on the cover page to see your premium.
• If you are happy with the quote, click ‘Next’ to proceed to the summary page, tick to confirm the information you have supplied is complete, then click ‘Continue to Purchase’ (you will be asked to confirm the policy start date again at this point).
• Before arriving at the payment screen, unregistered users will be asked to register which simply means providing an email address and password.
• On the payment screen you will be asked to choose how you wish to pay and to provide payments details, after which you simply complete the purchase.
• An email will be sent to you with your policy documents after you have completed the purchase.

You can change most aspects of your Visicover insurance cover online at any time via our website. When you click that you want to make a change, we will automatically create an amendment quote based on your existing cover which you can update as required. You will then be shown the resultant impact on your premium for the remainder of the policy year, after which you can either save the quote for later or purchase it in, which case your policy cover is updated.

Full details on how to make a change are as follows:

• Log in to Visicover and open the policy you wish to change from those listed in the ‘Active Policies’ block of your Dashboard.

• Click ‘Make Changes To Policy’, enter the date from which you may want the change to take effect, then click ‘OK’.

• Go through the policy details and make the changes you require.

• Click ‘Calculate’ at the bottom of the 'Cover & Quote' page to see the premium impact of the changes for the period from the selected change date to the end of the policy year.

• Decide what you wish to do next:
  • If you would like more time to think about it, click ‘Save and Exit’. This saves the quote in the ‘Policy Amendment Quotes’ area of your Dashboard without changing your policy cover. It will disappear from the Dashboard once the quote guarantee period has ended.
  • If you want to proceed with the change, click ‘Next’ to go to the summary page, and complete the purchase of the quote as normal.

Renewing your Visicover policy is simple:

• We will send you a renewal notification email approximately 21 days before your renewal date.
• Log in to Visicover.com using your registered email and password. If you do not remember your password please click here
• Your renewal quote will be shown on your Dashboard in the Renewal quotes section highlighted in red, so just click the applicable quote to open it.
• Review the quote information and update it as required to reflect any changes in your requirements (e.g. changing the excess value). You can 'Save and Exit' the renewal quote at any point.
• At the bottom of the 'Cover and Quote' screen you will see the renewal premium. If you are happy with the renewal quote, click ‘Next’ to proceed to the summary page.
• Tick the little box in the declaration to confirm the information you have supplied is complete, then click ‘Continue to Purchase’.
• On the payment screen you will be asked to choose how you wish to pay and to provide payments details, after which you simply complete the purchase.
• An email will be sent to you with your renewal documents after you have completed the purchase.

Subject to you meeting our eligibility requirements, you can arrange insurance through Visicover online immediately. Simply enter your information in a quote, and if you are happy to proceed, complete your purchase via the website.

In most instances this should take less than 15 minutes from when you start a quote.

At Visicover we can cater for a wide range of insurance requirements automatically online. However, you may have a specific need which is outside our standard options (e.g. cover outside the normal geographic limits). If this is the case you can use the 'Special Cover' facility to request a quote as follows:

• When you reach the cover & quote page of the quote, navigate down to the ‘Special Covers’ section, click ‘Cover Type’ and select the most appropriate option from the drop down list.
• Give your requirement a short heading (e.g. United States trip).
• Under description provide as much information as you can about the nature of your requirement.
• Click 'Insert' to save the details of your requirement.
• Click 'Calculate' at which point the option to 'Refer To Underwriter' will appear.
• If you click the refer option, your requirement will be sent to an underwriter to consider whether it can be covered and, if so, at what price. We will usually notify you of their decision within one business day.
• If they agree to your request, you can implement the cover by selecting the quote from the list on your dashboard and completing the policy change.

This facility can be used for new or renewal quotes, or even for quotes to update your existing cover.

Your Policy Schedule provides details of your Visicover insurance cover, but you can also see these details online as follows:

• Log in to Visicover and open the policy you wish to view from those listed in the ‘Active Policies’ block of your Dashboard.
• Each time your policy is renewed a new policy period is created so select the period you wish to view from the drop down list provided. The most recent policy period will be at the top of the list on the 'Policy Details' screen.
• When you make a change to your cover within a policy period, a new policy version is created, and each version is shown on screen as a coloured bar, with different colours showing each cover period. The top bar shows the most recent policy version, while the start and end dates of the different cover periods within it are shown in a table when you first enter the Policy Details screen. You can see the start and end dates for other versions by clicking the 'Select' option next to each colour bar.
• To view the details of the cover in force on a particular date, select the cover period from the table.
• Scroll down the page to see the full cover details.
• To see how the displayed version of the cover differs from the previous version click the ‘Show Changes from Previous Version’ option towards the top of the page.

One of the benefits of Visicover is that you can change most elements of your insurance at any time online. Subject to the change being accepted it can take effect immediately, or have an effective date / time in the future, but you cannot 'back date' cover changes.

• If the change increases the risk or cover provided by the Policy it will usually result in an increase in premium, calculated on a pro rata basis from the effective date.
• If it reduces the risk or cover provided, the change will take effect from the effective date / time but the premium reduction is calculated as if the previous cover had stayed in force for a further 30 days.

The reason for this difference in approach is that insurance works on the basis that people pay in to a common fund from which they are compensated if they suffer a loss. The amount they pay in must fairly reflect the risk to the fund of their needing to make a future claim.

In common with most insurers, we assume people decide the cover they need at the start of the policy year, and arrange cover accordingly, so we calculate their contribution to the fund, their premium, based on this assumption. However we also know that cover requirements may change over the year, so we enable policyholders to amend their cover online as often as they like and at the time that suits them best.

The approach described above is a means of balancing the need to provide flexibility to allow people to change their cover whenever they want, while also ensuring the common fund is protected for the benefit of all policyholders.

The Policy Booklet contain the terms, conditions and exclusions relating to a policy. It is part of the policy contract documentation so to gain a proper understanding of the cover held it must be read in conjunction with the Policy Schedule.

Your policy booklet is sent to you when you arrange or amend amend your cover.

Policy booklets are periodically updated, and any resultant changes in cover will normally only come in to effect from the next renewal date. You can check which version of the Policy Booklet was in force at any point during the time you have held cover with us as follows:

• Log in to Visicover.
• Select the policy whose booklet you wish to view from those listed in the ‘Active Policies’ block of your Dashboard.
• Click the arrow icon (Policy Details) under Actions.
• Select the Policy Period you are interested in.
• Select the cover version you are interested in based on the cover start and end date.
• The details of the policy cover during that period will now be displayed on screen, as will be a link to download the version of the Policy Booklet which was in force at that time.
• Click the Visicover logo when you want to return to the home page

The purpose of a Policy Schedule is to 'personalise' the insurance cover by identifying:

• Policyholder information (e.g. name and address)
• Specific policy details (e.g. cover start and end dates)
• Specific details of the insured object (e.g. its make and model)
• Specific cover details (e.g. covers in force and territorial limits)
• What to do in the event of a claim (e.g. the number of the claims hotline)

It is part of the Visicover policy contract documentation and therefore should be read in conjunction with the Policy Booklet.

We will send you a policy schedule when you arrange or amend your cover. For information on how to view your previous schedules and other documents, click here.

You may cancel a Visicover policy within 14 days of its start date or renewal. So long as there has been no notification of an event likely to give rise to a claim, you will only be charged for the period of cover provided plus a cancellation fee and insurance tax. The level of the fee varies by product but is stated on the quote summary before you purchase your policy.

After the 14 day period you can cancel the policy at any time. So long as there has been no notification of an event likely to give rise to a claim, you should, subject to the minimum refund value, receive a pro rata refund based on the period commencing 30 days after the cancellation date and ending on the cover end date as stated in the Policy Schedule.

For details on how to cancel the policy, click here.

You can cancel your Visicover insurance policy at any time as follows:

• Log in to Visicover and select the policy you wish to cancel from the ‘Active Policies’ block of your Dashboard.
• Click 'Cancel' policy, then read the important notes at the top of the cancellation page.
• Enter the date and time from which you want the cancellation to take effect, plus the reason you are cancelling. Note it is not possible to backdate the effective date of a cancellation.
• Click 'Cancel Policy' if you wish to proceed, otherwise click 'Abort'
• Your cancellation will be confirmed on screen and by email, while any refund due will be calculated and processed by our accounts department.
• Click 'Continue' to return to your dashboard where the policy will be listed in the 'Cancelled Policies' list.

If you have cancelled the policy in error you may be able to reinstate it so long as you have not reached the cancellation date. For details on how to reinstate cover, click here.

If you have cancelled your Visicover insurance policy by mistake then you may be able to reinstate it so long as the effective date of the cancellation has not passed. The process to reinstate your policy is as follows:

• Log in to Visicover and open the policy you wish to reinstate from the ‘Cancelled Policies’ block of your Dashboard
• Click 'Reinstate Policy' and the policy will be reinstated immediately
• Even if you have yet to receive any refund due for the original policy cancellation, you will need to pay for the policy again in the first instance
• Your policy reinstatement will be confirmed on screen and by email
• If you click 'Continue' you will be returned to your dashboard where the policy will now be shown in the 'Active Policies' block.

While we allocate all Visicover policies a unique reference number we also let you name your insurance policies so as to make it easier for you to identify what they cover.

By default we will allocate a name based on some piece of information you have supplied. For instance we default the name of aircraft policies to be the registration number of the aircraft insured. However you can overwrite this with some other name if you would prefer.

We use an automated underwriting system which uses the information you supply when you request your insurance quote to decide whether we can arrange cover, and if so at what premium. In most instances we are able to provide an immediate decision and quotation.

Occasionally there may be some aspect of the information provided which means the case needs to be referred to an underwriter before a decision on acceptance and premium can be made. In such instances we notify you on screen of the need for the referral and you can then choose whether you want the referral to continue. If you decide to go ahead with the referral, we will email you once the underwriters have reviewed the case and made their decision, which will normally be within one business day of your enquiry.

While we can normally provide an immediate insurance quote and cover, occasionally there may be some aspect of the information provided which means the case needs to be referred to an underwriter before a decision on acceptance and premium can be made.

In such instances we notify you on screen of the need for the referral and you can then choose whether you want the referral to continue. If you decide to go ahead with the referral, we will email you once the underwriters have reviewed the case and made their decision, which will normally be within one business day of your enquiry.