- There are further Frequently Asked Questions relating to UK insurance at guard.me
Is the cover sufficient for my needs?
LAL Language Centres has negotiated favourable premiums for its students with the insurance company Guard.me. They have comprehensive knowledge and practical experience in the field of International Education and Insurance. They have a network of offices around the world that provide an exceptional local service.
Guard.me was awarded Language Travel Magazine’s Star Award for Preferred International Insurance Provider in 2006, 2007, 2009, 2010 and 2011.
When does the cover start?
The cover for UK schools for students who are from the EEA and Switzerland starts when your booking has been received and will cover you for cancellation. For all students outside the EEA and Switzerland, the cover begins when the student begins his or her journey.
What is included in my insurance policy?
If you would like to know more about your insurance cover please call +44 (0)1403 788 515 and Guard.me will be happy to assist you.
What happens if I have to cancel before my trip?
The cancellation provision only applies to students who originate from the EEA (European Union and Norway, Iceland and Liechtenstein) & Switzerland. Assuming that the cancellation meets the criteria of the cover then you will be able to claim. If you have simply changed your mind, then it is highly unlikely your claim will be met. If, however, you have had an accident or become ill before the trip, but after you have booked, then this could be a justifiable claim.
Can I claim if my luggage is lost by the airline?
If the delay is for more than 12 hours, then there is provision in the policy for a claim to be made for the purchase of “essential clothing and toiletries” up to £100 (all receipts must be retained). Remember to obtain a lost luggage report from the airline before you leave the airport.
How do I claim?
If you have a claim to make you will need to complete a claim form which will be supplied on the guard.me website. You will need to send the claim to the insurance company. LAL Language Centres can offer assistance in completing the form but cannot enter into any other representation on your behalf. It must be understood that LAL Language Centres is not the insurance underwriter and is not responsible for the outcome of the claim. It is essential that you read through the policy document before making a claim to establish that your claim meets the provision of cover.
Does having insurance through LAL mean I won’t have to pay anything if I am ill or have to see a doctor?
Not necessarily. Depending on the cost, you may have to pay for the service from a doctor or the hospital in advance and claim this amount back from the insurance company later. This is all subject to a successful claim.
What is a deductible (US)/excess (UK) charge?
It is the amount of money that the policy holder (you) will have to pay towards the costs of the claim. As an example, if the excess/deductible is £25, and the bill for a doctor’s appointment and prescription is £50, you will receive £25.
If I take a holiday during my studies, does the insurance cover me for that?
Yes, the premium will cover you for up to 21 days outside the UK, within Europe, as long as this is within the duration of your stay.
If I am paying for the adult insurance and I am not staying for a full week do I have to pay the full amount?
Yes. The premium is to be paid for any full or part of a week. So if you stay for 8 days, you will have to pay for two weeks.
When does the cover end?
The insurance will cover you until midnight on the cover end date.