Help Centre
Frequently Asked Questions
Find answers to the most common questions about our insurance products and services.
ℹ️ General Questions
Yes. Abbeygate specialises in arranging insurance for expatriates, international residents and local clients in Southern Europe.
We understand that expatriates frequently have different requirements, including overseas driving licences, holiday and secondary homes, regular international travel, residency requirements and the need to understand insurance documentation in English.
We understand that expatriates frequently have different requirements, including overseas driving licences, holiday and secondary homes, regular international travel, residency requirements and the need to understand insurance documentation in English.
Abbeygate provides insurance products for eligible clients in Spain, Portugal, Cyprus and Greece.
Not every insurance product is available in every country, so availability depends on the type of insurance required, your country of residence, where the risk is situated and the applicable underwriting criteria.
Not every insurance product is available in every country, so availability depends on the type of insurance required, your country of residence, where the risk is situated and the applicable underwriting criteria.
No.
Our clients come from many different countries. Eligibility depends upon the particular insurance product, your residence and the underwriting criteria rather than simply your nationality.
Our clients come from many different countries. Eligibility depends upon the particular insurance product, your residence and the underwriting criteria rather than simply your nationality.
No.
You can deal with Abbeygate in English. Our aim is to make arranging insurance abroad clear and straightforward.
You can deal with Abbeygate in English. Our aim is to make arranging insurance abroad clear and straightforward.
Abbeygate’s specialist products are available with customer documentation in English.
Local statutory documentation or documents issued by third parties may additionally need to be provided in the local language where required.
Local statutory documentation or documents issued by third parties may additionally need to be provided in the local language where required.
Often, yes.
We can frequently begin the quotation process before you move, although final eligibility may depend upon your intended residence, the location of the property or vehicle and any other information required for that particular insurance.
We can frequently begin the quotation process before you move, although final eligibility may depend upon your intended residence, the location of the property or vehicle and any other information required for that particular insurance.
That depends upon the insurance required.
For motor insurance, for example, we will normally need information about the vehicle, drivers, use and claims history.
For home insurance we will require information about the property, construction, use, rebuilding value, contents, security and occupancy.
For motor insurance, for example, we will normally need information about the vehicle, drivers, use and claims history.
For home insurance we will require information about the property, construction, use, rebuilding value, contents, security and occupancy.
The information enables us to understand and assess the risk correctly.
It is important that your answers are complete and accurate. Incorrect or incomplete information can affect the terms of your insurance and may affect a future claim.
It is important that your answers are complete and accurate. Incorrect or incomplete information can affect the terms of your insurance and may affect a future claim.
Tell us as soon as possible.
Changes such as moving home, changing vehicle, changing a main driver, changing the use of a property or vehicle, carrying out substantial building works or changing the occupancy of a property can affect your insurance.
Changes such as moving home, changing vehicle, changing a main driver, changing the use of a property or vehicle, carrying out substantial building works or changing the occupancy of a property can affect your insurance.
🚗 Motor Insurance
Yes.
Many clients arrange several types of insurance through Abbeygate, such as Home, Motor, Travel, Golf or Medical insurance.
Many clients arrange several types of insurance through Abbeygate, such as Home, Motor, Travel, Golf or Medical insurance.
Third-party motor liability insurance is compulsory for vehicles being used on public roads in accordance with the applicable law.
Additional protection such as fire, theft and accidental damage may be available depending upon the country, vehicle and level of cover selected.
Additional protection such as fire, theft and accidental damage may be available depending upon the country, vehicle and level of cover selected.
Third-party insurance principally protects you against insured legal liabilities for injury or damage caused to other people.
Comprehensive insurance may additionally cover accidental loss or damage to your own insured vehicle, subject to the terms, exclusions and excesses of the policy.
Your Policy Schedule confirms the level of cover you have purchased.
Comprehensive insurance may additionally cover accidental loss or damage to your own insured vehicle, subject to the terms, exclusions and excesses of the policy.
Your Policy Schedule confirms the level of cover you have purchased.
In many cases, yes.
Acceptance depends upon the type and country of issue of the licence, the driver, residence, vehicle and applicable underwriting criteria.
You remain responsible for ensuring that your driving licence is legally valid in the country in which you are driving.
Acceptance depends upon the type and country of issue of the licence, the driver, residence, vehicle and applicable underwriting criteria.
You remain responsible for ensuring that your driving licence is legally valid in the country in which you are driving.
Potentially.
Imported and foreign-registered vehicles need individual consideration because registration and insurance requirements differ between countries.
Please give us the full vehicle and registration details and we can consider what cover is available.
Imported and foreign-registered vehicles need individual consideration because registration and insurance requirements differ between countries.
Please give us the full vehicle and registration details and we can consider what cover is available.
Yes, where the additional drivers have been declared and accepted in accordance with the policy.
Anyone regularly driving the vehicle should be disclosed and, where required, shown as an Authorised Driver on the Schedule.
Never assume someone is insured merely because you have given them permission to drive the vehicle.
Anyone regularly driving the vehicle should be disclosed and, where required, shown as an Authorised Driver on the Schedule.
Never assume someone is insured merely because you have given them permission to drive the vehicle.
Possibly.
They must be declared and accepted where required. Age, driving experience, licence history and claims history can affect whether cover is available and the premium or excess applying.
They must be declared and accepted where required. Age, driving experience, licence history and claims history can affect whether cover is available and the premium or excess applying.
No.
Do not assume that your motor policy automatically allows you to drive someone else’s vehicle.
Before driving another vehicle, confirm that you are insured under the insurance applying to that vehicle or have other insurance specifically permitting you to drive it.
Do not assume that your motor policy automatically allows you to drive someone else’s vehicle.
Before driving another vehicle, confirm that you are insured under the insurance applying to that vehicle or have other insurance specifically permitting you to drive it.
An excess is the amount you are responsible for contributing towards an insured claim.
Different excesses can apply to different sections, drivers or types of loss. Your Schedule and policy documentation show the excesses applying to you.
Different excesses can apply to different sections, drivers or types of loss. Your Schedule and policy documentation show the excesses applying to you.
Suitable evidence of previous insurance and claims history can often be considered.
We may require written evidence from your previous insurer and may, where necessary, verify that information directly.
We may require written evidence from your previous insurer and may, where necessary, verify that information directly.
Where available, selected and shown on your policy, no-claims protection can protect your applicable discount following a limited number of qualifying claims.
It does not mean that the underlying cost of insurance can never change.
It does not mean that the underlying cost of insurance can never change.
No, unless a particular policy expressly says otherwise.
Motor insurance is designed primarily to protect against insured events rather than mechanical or electrical breakdown, wear and tear or gradual deterioration.
Motor insurance is designed primarily to protect against insured events rather than mechanical or electrical breakdown, wear and tear or gradual deterioration.
Glass or windscreen cover may be included depending upon the cover selected and country concerned.
Limits, excesses and the types of glass covered are specified in the applicable policy documentation.
Limits, excesses and the types of glass covered are specified in the applicable policy documentation.
Breakdown assistance may be included or available depending upon the particular Abbeygate motor product and vehicle.
Your Schedule and assistance documentation confirm whether breakdown cover applies and provide the relevant contact number.
Your Schedule and assistance documentation confirm whether breakdown cover applies and provide the relevant contact number.
Motor policies provide the compulsory protection required within the territories specified by the applicable policy and may extend the cover shown on your Schedule when temporarily driving abroad.
The territories and permitted duration differ between policies and countries.
Contact Abbeygate before an extended foreign journey so that the cover applying to your particular vehicle can be checked.
The territories and permitted duration differ between policies and countries.
Contact Abbeygate before an extended foreign journey so that the cover applying to your particular vehicle can be checked.
A Green Card is generally not required when travelling between EU countries, but different requirements can apply outside the EU or in particular territories.
Check with us before travelling outside your normal country of residence.
Check with us before travelling outside your normal country of residence.
Possibly, but tell us first.
Third-party liability arising from towing is different from physical damage insurance on the trailer or caravan itself.
Do not assume that comprehensive insurance on the towing vehicle automatically provides comprehensive cover for a caravan, trailer or its contents.
Third-party liability arising from towing is different from physical damage insurance on the trailer or caravan itself.
Do not assume that comprehensive insurance on the towing vehicle automatically provides comprehensive cover for a caravan, trailer or its contents.
You must tell us about modifications or changes from the manufacturer’s standard specification.
An undeclared modification can affect the risk and may affect the operation of the policy or a future claim.
An undeclared modification can affect the risk and may affect the operation of the policy or a future claim.
Some comprehensive Abbeygate motor products provide limited cover for certain personal belongings.
Limits and exclusions apply and items such as cash, mobile phones, professional equipment and certain valuables may not be insured.
The applicable motor wording and Schedule determine the cover.
Limits and exclusions apply and items such as cash, mobile phones, professional equipment and certain valuables may not be insured.
The applicable motor wording and Schedule determine the cover.
No.
Insurance is not a maintenance contract. Wear and tear, gradual deterioration and mechanical or electrical failure are generally excluded from accidental damage cover.
Insurance is not a maintenance contract. Wear and tear, gradual deterioration and mechanical or electrical failure are generally excluded from accidental damage cover.
The current Abbeygate Motor wordings contain an exclusion for damage to the insured vehicle while stationary caused directly or indirectly by rodents, vermin, infestation or a domestic pet.
This does not remove any compulsory third-party liability protection required by law or otherwise insured collision or road traffic accident damage.
This does not remove any compulsory third-party liability protection required by law or otherwise insured collision or road traffic accident damage.
Do not assume that it does.
Where the Recreational Off-Road Use endorsement applies, Accidental Damage cover is excluded while the insured vehicle is being used off-road for recreational, sporting or leisure purposes.
Compulsory third-party liability remains subject to applicable law.
Where the Recreational Off-Road Use endorsement applies, Accidental Damage cover is excluded while the insured vehicle is being used off-road for recreational, sporting or leisure purposes.
Compulsory third-party liability remains subject to applicable law.
🏠 Home and Holiday Home Insurance
First ensure that everybody is safe and contact the emergency services where necessary.
Obtain the other driver’s name, contact details, vehicle registration and insurance information.
Take photographs of the vehicles, damage, road layout, signs and surrounding area and obtain details of any independent witnesses.
Complete the applicable accident statement accurately. Do not admit liability or promise payment and report the incident promptly.
Obtain the other driver’s name, contact details, vehicle registration and insurance information.
Take photographs of the vehicles, damage, road layout, signs and surrounding area and obtain details of any independent witnesses.
Complete the applicable accident statement accurately. Do not admit liability or promise payment and report the incident promptly.
Yes, subject to underwriting.
Abbeygate’s Home products are designed for eligible permanent homes as well as holiday and secondary homes.
Abbeygate’s Home products are designed for eligible permanent homes as well as holiday and secondary homes.
Yes.
Holiday and secondary homes are an important part of Abbeygate’s Home insurance offering.
However, restrictions and conditions apply when a property is unoccupied. These can affect theft, escape of water, malicious damage and other sections of cover.
Always tell us accurately how the property is used and how long it may normally remain unoccupied.
Holiday and secondary homes are an important part of Abbeygate’s Home insurance offering.
However, restrictions and conditions apply when a property is unoccupied. These can affect theft, escape of water, malicious damage and other sections of cover.
Always tell us accurately how the property is used and how long it may normally remain unoccupied.
Depending upon your circumstances, insurance can be arranged for Buildings, Contents or both.
A property owner will normally need to consider Buildings insurance, while a tenant may principally require Contents and any Tenant’s Improvements for which they are responsible.
A property owner will normally need to consider Buildings insurance, while a tenant may principally require Contents and any Tenant’s Improvements for which they are responsible.
Buildings insurance protects the insured structure against the insured perils shown in the applicable country wording.
These can include fire, lightning, explosion, earthquake, wildfire where applicable, storm or flood, escape of water, theft, impact and other specified insured events.
There are important country differences and exclusions, so your Policy Schedule and the wording issued for the country in which your property is situated determine the cover.
These can include fire, lightning, explosion, earthquake, wildfire where applicable, storm or flood, escape of water, theft, impact and other specified insured events.
There are important country differences and exclusions, so your Policy Schedule and the wording issued for the country in which your property is situated determine the cover.
Contents insurance protects eligible household belongings against insured events shown in your policy.
Individual limits and exclusions can apply to valuables, money, jewellery, items away from the home and other categories of property.
Individual limits and exclusions can apply to valuables, money, jewellery, items away from the home and other categories of property.
The Buildings amount insured should reflect the appropriate rebuilding cost rather than simply the property’s current market or sale value.
If the amount insured is insufficient, the amount payable following a claim may be reduced in accordance with the underinsurance provisions of the policy.
If the amount insured is insufficient, the amount payable following a claim may be reduced in accordance with the underinsurance provisions of the policy.
Consider the cost of replacing everything in the property rather than simply your most expensive possessions.
Furniture, clothing, kitchen equipment, electronics, furnishings and everyday household belongings can add up to a substantial amount.
Furniture, clothing, kitchen equipment, electronics, furnishings and everyday household belongings can add up to a substantial amount.
Escape of water from fixed water tanks, apparatus and pipes is an insured peril under the current Abbeygate Home wordings, subject to the policy conditions and applicable excess.
Additional restrictions can apply while a Home or Holiday Home is unoccupied.
Insurance does not replace the need to maintain pipework and the property properly.
Additional restrictions can apply while a Home or Holiday Home is unoccupied.
Insurance does not replace the need to maintain pipework and the property properly.
Take reasonable steps immediately to prevent further damage.
Turn off the water supply where appropriate and arrange only the emergency work necessary to stop the leak and prevent further damage.
Photograph the damage, retain invoices and damaged property where practicable and notify the claim promptly.
Turn off the water supply where appropriate and arrange only the emergency work necessary to stop the leak and prevent further damage.
Photograph the damage, retain invoices and damaged property where practicable and notify the claim promptly.
No.
The policy is intended to cover insured events rather than deterioration that happens gradually or damage caused by a failure to maintain the property.
Roofing, weatherproofing, plumbing and other parts of the property must be appropriately maintained.
Evidence of inspection and maintenance may be requested following a claim.
The policy is intended to cover insured events rather than deterioration that happens gradually or damage caused by a failure to maintain the property.
Roofing, weatherproofing, plumbing and other parts of the property must be appropriately maintained.
Evidence of inspection and maintenance may be requested following a claim.
Theft and attempted theft are insured subject to the applicable conditions.
Under the current Abbeygate Home wordings, force and violence must generally be used to enter or leave the Home/Holiday Home and the incident must be reported promptly to the local police.
Additional restrictions can apply while the property is unoccupied.
Under the current Abbeygate Home wordings, force and violence must generally be used to enter or leave the Home/Holiday Home and the incident must be reported promptly to the local police.
Additional restrictions can apply while the property is unoccupied.
Contact Abbeygate as soon as you become aware of the damage.
Take reasonable steps to prevent the damage becoming worse and arrange only essential emergency measures required to make the property secure or safe.
Take photographs and retain invoices, reports and damaged property where practicable.
Take reasonable steps to prevent the damage becoming worse and arrange only essential emergency measures required to make the property secure or safe.
Take photographs and retain invoices, reports and damaged property where practicable.
Storm and flood are insured perils under the current Abbeygate Home wordings, subject to the definitions, limits and exclusions applying to the relevant country.
Not every form of water ingress constitutes an insured storm or flood.
The cause of the damage and the maintenance condition of the property remain important.
Not every form of water ingress constitutes an insured storm or flood.
The cause of the damage and the maintenance condition of the property remain important.
Yes, earthquake and volcanic eruption are insured perils within the current Abbeygate Home wordings for Spain, Portugal, Cyprus and Greece, subject to the applicable policy terms and Schedule.
A specific earthquake/volcanic eruption excess applies. The current wordings provide for the first €1,500 or 2% of the total insured value, whichever is greater, to be borne by the insured, subject always to the wording and Schedule issued for the particular policy.
A specific earthquake/volcanic eruption excess applies. The current wordings provide for the first €1,500 or 2% of the total insured value, whichever is greater, to be borne by the insured, subject always to the wording and Schedule issued for the particular policy.
Wildfire is a separate insured peril within the current Abbeygate Home wordings.
Where the wildfire endorsement applies, the applicable wildfire excess is shown in the policy documentation.
The endorsement and Schedule issued with your individual policy determine the cover and excess applying.
Where the wildfire endorsement applies, the applicable wildfire excess is shown in the policy documentation.
The endorsement and Schedule issued with your individual policy determine the cover and excess applying.
This is one area where Abbeygate’s country wordings are deliberately different.
Spain: Subsidence, Heave and Landslip are excluded under the current Spain Home wording.
Portugal: Subsidence, Heave and Landslip are excluded under the current Portugal Home wording.
Cyprus: Subsidence, Heave and Landslip are included under Buildings cover, subject to the detailed exclusions and conditions in the Cyprus wording.
Greece: Subsidence, Heave and Landslip are included under Buildings cover, subject to the detailed exclusions and conditions in the Greece wording.
In Cyprus and Greece, important exclusions apply, including certain damage to boundary walls, gates, paths, patios, swimming pools and other external property unless the Home is damaged by the same cause at the same time, as well as damage arising from settlement, erosion, defective design or foundations, structural alterations, excavation and other specified causes.
Always check the country wording and Schedule rather than assuming that subsidence cover is the same throughout Europe.
Spain: Subsidence, Heave and Landslip are excluded under the current Spain Home wording.
Portugal: Subsidence, Heave and Landslip are excluded under the current Portugal Home wording.
Cyprus: Subsidence, Heave and Landslip are included under Buildings cover, subject to the detailed exclusions and conditions in the Cyprus wording.
Greece: Subsidence, Heave and Landslip are included under Buildings cover, subject to the detailed exclusions and conditions in the Greece wording.
In Cyprus and Greece, important exclusions apply, including certain damage to boundary walls, gates, paths, patios, swimming pools and other external property unless the Home is damaged by the same cause at the same time, as well as damage arising from settlement, erosion, defective design or foundations, structural alterations, excavation and other specified causes.
Always check the country wording and Schedule rather than assuming that subsidence cover is the same throughout Europe.
Certain accidental damage benefits may be included automatically and wider accidental damage may be available depending upon the cover selected.
Your Schedule confirms the accidental damage protection applying to your Buildings and Contents.
Your Schedule confirms the accidental damage protection applying to your Buildings and Contents.
Some protection may apply but pools, gardens, outdoor furniture, gates, fences, pergolas and other external property can be subject to separate limits and exclusions.
Tell us about significant outdoor structures and features when requesting your quotation.
Tell us about significant outdoor structures and features when requesting your quotation.
Yes, subject to the underwriting requirements and limits of the policy.
High-value individual items may need to be separately specified and evidence of ownership or valuation may be required.
High-value individual items may need to be separately specified and evidence of ownership or valuation may be required.
Yes, subject to underwriting.
You must tell us if a property is let to tenants because owner-occupied, holiday and rented properties present different risks.
You must tell us if a property is let to tenants because owner-occupied, holiday and rented properties present different risks.
Tell us before arranging or changing your insurance.
Short-term and holiday letting must not be assumed to be automatically insured under an ordinary private Home policy.
Short-term and holiday letting must not be assumed to be automatically insured under an ordinary private Home policy.
✈️ Travel Insurance
Not necessarily.
A community or condominium policy may insure common parts or certain elements of the building but may not cover your own Contents, improvements, personal liability or every part of the property for which you are responsible.
Establish exactly what the community policy covers before deciding what individual insurance you need.
A community or condominium policy may insure common parts or certain elements of the building but may not cover your own Contents, improvements, personal liability or every part of the property for which you are responsible.
Establish exactly what the community policy covers before deciding what individual insurance you need.
Living abroad does not remove the risks associated with travelling.
Abbeygate Travel insurance can provide cover for eligible risks including emergency medical and repatriation expenses, cancellation or curtailment, baggage and other insured travel events, depending upon the cover selected.
Abbeygate Travel insurance can provide cover for eligible risks including emergency medical and repatriation expenses, cancellation or curtailment, baggage and other insured travel events, depending upon the cover selected.
Single Trip insurance covers one specified eligible trip.
Annual Multi-Trip insurance is designed for people making several eligible trips during a policy year, subject to the maximum duration permitted for each individual trip.
The Schedule confirms the cover and maximum trip duration applying to you.
Annual Multi-Trip insurance is designed for people making several eligible trips during a policy year, subject to the maximum duration permitted for each individual trip.
The Schedule confirms the cover and maximum trip duration applying to you.
Under the current Abbeygate Travel arrangement, eligible insureds can be domiciled in Cyprus, Spain, Portugal or Greece, subject to the underwriting criteria.
You must provide your genuine country of residence rather than simply your nationality or passport country.
Residence is an important eligibility and underwriting factor.
Residence is an important eligibility and underwriting factor.
Eligible emergency medical and repatriation expenses are an important part of Abbeygate Travel insurance, subject to the level of cover, terms, exclusions and territorial limits.
For a serious medical emergency you should contact the emergency assistance service shown in your policy documentation as soon as reasonably possible.
For a serious medical emergency you should contact the emergency assistance service shown in your policy documentation as soon as reasonably possible.
Pre-existing medical conditions are generally excluded under the current Abbeygate Travel wording.
However, the wording contains specific exceptions for certain listed conditions and for some conditions meeting defined stability and treatment requirements.
You should never assume that a pre-existing medical condition is covered.
Check your Policy Schedule and wording before travelling and tell Abbeygate if you are uncertain.
However, the wording contains specific exceptions for certain listed conditions and for some conditions meeting defined stability and treatment requirements.
You should never assume that a pre-existing medical condition is covered.
Check your Policy Schedule and wording before travelling and tell Abbeygate if you are uncertain.
Eligible cancellation and curtailment are insured subject to the reasons, limits, exclusions and conditions stated in the policy and the level of cover selected.
Simply deciding that you no longer wish to travel is not an insured reason for cancellation.
Simply deciding that you no longer wish to travel is not an insured reason for cancellation.
Eligible baggage and personal belongings can be covered subject to the limits, individual item limits, security conditions and exclusions shown in your policy.
Special care should be taken with valuables and unattended property.
Special care should be taken with valuables and unattended property.
Only eligible activities within the scope of the applicable Activity and Sports List are insured.
Competitive or professional sports and activities outside the permitted list may be excluded.
If a particular sport or activity is an important part of your trip, contact Abbeygate before participating.
Competitive or professional sports and activities outside the permitted list may be excluded.
If a particular sport or activity is an important part of your trip, contact Abbeygate before participating.
🏥 Health, Immigration and Residency Insurance
No.
Cover is subject to the territorial limits, sanctions provisions and exclusions stated in the policy.
Always check the policy documentation or contact Abbeygate before travelling to a higher-risk or unusual destination.
Cover is subject to the territorial limits, sanctions provisions and exclusions stated in the policy.
Always check the policy documentation or contact Abbeygate before travelling to a higher-risk or unusual destination.
Yes.
Under the current Abbeygate arrangement, Immigration Medical/Personal Accident & Medical insurance is available for eligible risks in Cyprus and Greece.
It is a separate product from ordinary Travel insurance.
Under the current Abbeygate arrangement, Immigration Medical/Personal Accident & Medical insurance is available for eligible risks in Cyprus and Greece.
It is a separate product from ordinary Travel insurance.
No.
The current Abbeygate Immigration Medical product under this particular arrangement applies to Cyprus and Greece.
Health or residency insurance requirements in Spain and Portugal need to be considered under the appropriate product available for those countries.
The current Abbeygate Immigration Medical product under this particular arrangement applies to Cyprus and Greece.
Health or residency insurance requirements in Spain and Portugal need to be considered under the appropriate product available for those countries.
It is designed principally to provide the medical insurance protection required for an eligible immigration or residency application.
It is not intended to be treated as equivalent to a broad comprehensive private medical insurance policy.
It is not intended to be treated as equivalent to a broad comprehensive private medical insurance policy.
No.
The policy is designed to support eligible immigration or residency applications, but the relevant immigration or residency authority makes the final decision.
Official requirements can change, so applicants should always confirm the current requirements applying to their particular application.
The policy is designed to support eligible immigration or residency applications, but the relevant immigration or residency authority makes the final decision.
Official requirements can change, so applicants should always confirm the current requirements applying to their particular application.
No.
The Cyprus product provides basic and limited medical protection intended principally for immigration/residency purposes.
It should not be regarded as a replacement for comprehensive ongoing private healthcare once residency has been obtained.
The Cyprus product provides basic and limited medical protection intended principally for immigration/residency purposes.
It should not be regarded as a replacement for comprehensive ongoing private healthcare once residency has been obtained.
Subject to your Schedule, the policy can provide limited in-patient medical expenses for eligible accident or illness occurring in Cyprus.
The current product can also include limited outpatient benefits such as prescribed medication, specified outpatient procedures, doctor visits and diagnostic tests where those benefits are shown on the Schedule.
All limits, excesses and conditions are shown in your individual policy documentation.
The current product can also include limited outpatient benefits such as prescribed medication, specified outpatient procedures, doctor visits and diagnostic tests where those benefits are shown on the Schedule.
All limits, excesses and conditions are shown in your individual policy documentation.
No, under the current Cyprus Immigration Medical wording pre-existing medical conditions and related complications are excluded.
Other waiting periods and exclusions can also apply.
For Greece, the cover and exclusions shown in the Greece Schedule and policy wording must be checked.
Other waiting periods and exclusions can also apply.
For Greece, the cover and exclusions shown in the Greece Schedule and policy wording must be checked.
No.
The current Cyprus Immigration Medical policy is territorially limited to the Republic of Cyprus.
It should not be relied upon as Travel insurance or worldwide health insurance.
The current Cyprus Immigration Medical policy is territorially limited to the Republic of Cyprus.
It should not be relied upon as Travel insurance or worldwide health insurance.
The Cyprus product can provide a childbirth lump-sum benefit where shown on the Schedule and where the applicable waiting-period conditions have been satisfied.
It is not comprehensive maternity insurance.
It is not comprehensive maternity insurance.
The Greece medical arrangement differs materially from the Cyprus product.
Under the current arrangement, eligible inpatient and outpatient benefits are based on treatment in a Public Hospital and include an insured contribution rather than paying 100% of every eligible expense.
The individual Schedule and wording determine the applicable limits and contribution.
Under the current arrangement, eligible inpatient and outpatient benefits are based on treatment in a Public Hospital and include an insured contribution rather than paying 100% of every eligible expense.
The individual Schedule and wording determine the applicable limits and contribution.
⛳ Golf Insurance
Once residency has been granted, you should review your longer-term healthcare arrangements.
Depending upon your circumstances, this may include eligibility for GESY and/or arranging more comprehensive private medical insurance.
The Immigration Medical policy should not automatically be regarded as suitable permanent healthcare protection.
Depending upon your circumstances, this may include eligibility for GESY and/or arranging more comprehensive private medical insurance.
The Immigration Medical policy should not automatically be regarded as suitable permanent healthcare protection.
Yes.
Golf & Domestic Golf Travel insurance is available under the current Abbeygate arrangement for eligible clients in Cyprus, Spain, Portugal and Greece.
Golf & Domestic Golf Travel insurance is available under the current Abbeygate arrangement for eligible clients in Cyprus, Spain, Portugal and Greece.
Ordinary Home or Travel insurance may not provide all of the protection a regular golfer requires.
Specialist Golf insurance can include protection for golf equipment, golfing liability, temporary equipment hire, personal accident and other golf-specific benefits, depending upon the cover selected.
Specialist Golf insurance can include protection for golf equipment, golfing liability, temporary equipment hire, personal accident and other golf-specific benefits, depending upon the cover selected.
Depending upon the cover selected and shown on your Certificate, the current Golf wording can include:
Personal liability while playing golf; third-party property damage; golf equipment; temporary golf equipment hire; personal accident; loss of golf club subscription; dental treatment following an insured event; hospitalisation benefit; hole-in-one benefit; loss of golfing trophies; tournament entry fees; and personal effects.
The Certificate and Table of Benefits confirm the exact cover purchased.
Personal liability while playing golf; third-party property damage; golf equipment; temporary golf equipment hire; personal accident; loss of golf club subscription; dental treatment following an insured event; hospitalisation benefit; hole-in-one benefit; loss of golfing trophies; tournament entry fees; and personal effects.
The Certificate and Table of Benefits confirm the exact cover purchased.
Where Golf Equipment cover has been selected, cover is provided up to the amount shown on your Certificate.
An excess, individual limits and policy exclusions may apply.
An excess, individual limits and policy exclusions may apply.
Yes, where the applicable cover has been selected and there is a valid insured claim for loss or damage to Golf Equipment.
The policy can contribute towards temporary hire of comparable replacement equipment up to the applicable policy limit.
The policy can contribute towards temporary hire of comparable replacement equipment up to the applicable policy limit.
Where Personal Liability cover has been selected, the Golf wording provides cover for eligible legal liability for bodily injury to third parties arising while Playing Golf, subject to the policy exclusions and limit.
The Golf product includes Third Party Property Damage cover where selected.
The applicable limit, excess and exclusions are shown in your policy documentation.
The applicable limit, excess and exclusions are shown in your policy documentation.
Yes, where this benefit is included in the cover selected.
The policy can contribute towards clubhouse expenses following a qualifying hole-in-one up to the amount stated in the Table of Benefits.
Specific conditions apply, so the applicable Policy Wording and Certificate should be checked.
The policy can contribute towards clubhouse expenses following a qualifying hole-in-one up to the amount stated in the Table of Benefits.
Specific conditions apply, so the applicable Policy Wording and Certificate should be checked.
Where this cover applies, if you have paid an annual golf club membership subscription and become unable to play during the Period of Insurance because of an eligible Bodily Injury occurring during a Golfing Event, the policy can reimburse the unused and irrecoverable portion of the subscription, subject to the applicable limit and conditions.
Where this benefit applies, the policy can reimburse the non-refundable portion of an eligible golf tournament entry fee if you become unable to play because of a qualifying unexpected sickness or bodily injury, subject to the applicable wording and policy limit.
Yes, where this cover has been selected and subject to the conditions of the policy.
The wording provides limited cover for loss of an eligible golfing trophy while it is in your care, custody or control, subject to the applicable terms and exclusions.
The wording provides limited cover for loss of an eligible golfing trophy while it is in your care, custody or control, subject to the applicable terms and exclusions.
The Golf arrangement provides cover within the geographical limits shown in the applicable policy documentation, subject to territorial exclusions and sanctions provisions.
Your Certificate and Policy Wording should always be checked before travelling to play golf outside your normal country of residence.
Your Certificate and Policy Wording should always be checked before travelling to play golf outside your normal country of residence.
📋 Claims
Do not assume that it is.
The policy contains restrictions relating to professional golf and certain benefits may specifically exclude professional golfers.
If you play professionally or receive payment for playing, tell Abbeygate before purchasing the insurance.
The policy contains restrictions relating to professional golf and certain benefits may specifically exclude professional golfers.
If you play professionally or receive payment for playing, tell Abbeygate before purchasing the insurance.
Use the claims details contained in your policy documentation or contact Abbeygate and we will direct you to the appropriate claims service.
Different products have different claims arrangements.
Travel and Golf claims are dealt with by the appointed specialist claims provider shown in the policy documentation.
Different products have different claims arrangements.
Travel and Golf claims are dealt with by the appointed specialist claims provider shown in the policy documentation.
As soon as reasonably possible and within any specific reporting period required by your policy.
Prompt reporting helps preserve evidence and enables the claim to be investigated efficiently.
Prompt reporting helps preserve evidence and enables the claim to be investigated efficiently.
Keep any evidence that may help establish what happened and quantify the loss.
Depending upon the claim this can include photographs, police reports, accident statements, witness information, invoices, receipts, repair estimates and medical reports.
Depending upon the claim this can include photographs, police reports, accident statements, witness information, invoices, receipts, repair estimates and medical reports.
Normally, no.
You may undertake reasonable emergency measures necessary to prevent further insured damage or make property safe, but permanent repairs should generally not be undertaken until the appropriate authorisation has been obtained.
Take photographs before emergency work and retain invoices.
You may undertake reasonable emergency measures necessary to prevent further insured damage or make property safe, but permanent repairs should generally not be undertaken until the appropriate authorisation has been obtained.
Take photographs before emergency work and retain invoices.
Yes.
Theft or attempted theft should be reported promptly to the police and you should obtain the relevant report or reference.
Some policies contain specific reporting periods.
Theft or attempted theft should be reported promptly to the police and you should obtain the relevant report or reference.
Some policies contain specific reporting periods.
No.
Provide a full and truthful factual account but do not admit liability, negotiate settlement or promise payment.
Allow the insurer or appointed claims handler to investigate liability.
Provide a full and truthful factual account but do not admit liability, negotiate settlement or promise payment.
Allow the insurer or appointed claims handler to investigate liability.
💼 Business and Liability Insurance
Collect as much information as possible.
Obtain the other vehicle registration, driver’s details and insurance information and take photographs of the vehicles and accident scene.
Obtain independent witness details where possible and report the accident promptly.
Obtain the other vehicle registration, driver’s details and insurance information and take photographs of the vehicles and accident scene.
Obtain independent witness details where possible and report the accident promptly.
Potentially, yes, depending upon the business, country and type of insurance required.
Business risks are individually underwritten and are separate from the personal Home, Motor, Travel, Medical and Golf policies described elsewhere in this FAQ.
Business risks are individually underwritten and are separate from the personal Home, Motor, Travel, Medical and Golf policies described elsewhere in this FAQ.
Public Liability insurance is designed to protect against eligible legal liabilities arising from accidental injury to third parties or accidental damage to their property in connection with an insured business activity.
The actual protection depends upon the particular commercial policy arranged.
The actual protection depends upon the particular commercial policy arranged.
Professional Indemnity insurance is intended to protect eligible professionals and businesses against certain claims arising from professional services, advice, errors or omissions.
Cover depends upon the profession and the particular policy arranged.
Cover depends upon the profession and the particular policy arranged.
No.
You should tell Abbeygate if you conduct a business from the insured property.
Business equipment, stock, employees, customers visiting the property or other commercial activity can materially change the risk and should not be assumed to be covered by a private Home policy.
You should tell Abbeygate if you conduct a business from the insured property.
Business equipment, stock, employees, customers visiting the property or other commercial activity can materially change the risk and should not be assumed to be covered by a private Home policy.
📄 About Your Abbeygate Policy
Insurance requirements depend upon the country, business and employment arrangement.
Tell us about all employees and the nature of the work so that the appropriate insurance requirements can be considered.
Tell us about all employees and the nature of the work so that the appropriate insurance requirements can be considered.
The Policy Schedule, Certificate of Insurance, IPID, Policy Wording and endorsements issued with your policy determine the cover.
The FAQ and other website information are general guidance and cannot extend or replace the insurance contract.
The FAQ and other website information are general guidance and cannot extend or replace the insurance contract.
An Insurance Product Information Document, or IPID, provides a standardised summary of the principal features, significant exclusions and important obligations relating to an insurance product.
It should be read together with the full Policy Wording and your individual Schedule.
It should be read together with the full Policy Wording and your individual Schedule.
An endorsement is an additional policy term that can add to, change, restrict or clarify the standard Policy Wording.
If an endorsement is shown on or issued with your Schedule, it forms part of your insurance contract.
If an endorsement is shown on or issued with your Schedule, it forms part of your insurance contract.
Your issued Policy Schedule, Certificate, Policy Wording and endorsements determine the contractual cover.
Website information is general guidance and cannot alter, add to or override the terms of an insurance contract.
Website information is general guidance and cannot alter, add to or override the terms of an insurance contract.
Of course.
Many expatriate insurance requirements are straightforward, but others involve several countries, unusual vehicles, holiday homes, immigration requirements, medical insurance, specialist golf cover or other individual circumstances.
Our team can discuss your requirements and help explain the options available.
Many expatriate insurance requirements are straightforward, but others involve several countries, unusual vehicles, holiday homes, immigration requirements, medical insurance, specialist golf cover or other individual circumstances.
Our team can discuss your requirements and help explain the options available.
Still have questions?
Our team is always happy to help. Reach out via phone, email, or WhatsApp.