• Travel Insurance Claim Form

    For Monzo Max and Max Family account holders
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  • In case of emergency please contact Zurich Assistance directly for assistance support : +44 (0) 20 8156 2610  

  • For claims requiring medical evidence, please use the medical certificate template provided by us and available here. Please share this certificate to your general practitioner. 

  • This coverage is limited to claims where the customer suffers an accident during their trip resulting in an injury which directly results in: 

    • Death
    • Loss of sight
    • Loss of limb
    • Permanent total disablement
  • Please be aware that a Max account provides coverage solely for the subscription holder

    In the case of family members or partners, coverage is extended only if the subscriber holds a Max family account.

  • Please note the following

    • The subscriber must hold a Monzo Max or Max Family subscription at the incident date and throughout the entire trip duration.
    • Only trips lasting fewer than 45 days are eligible for coverage.
    • Trips within the UK, spanning less than 100 km from the subscriber's home, are excluded from coverage.
    • Upon reaching the age of 71, coverage will persist until the subsequent anniversary of the Monzo account, but not beyond.
    • Trips to regions where the FCDO or regulatory authority has advised against all or non-essential travel are not covered.
    • Rental vehicles or drivers not specified in the rental agreement are not eligible for coverage.
    • Rebooking expenses surpassing the initial trip cost are not covered.
    • Claims arising from trip delays or alterations due to Government actions or regulatory restrictions are not eligible for coverage.
  • Policyholder identification

  • We will not be able to process your claim without a correct Policy ID.

  • We believe you have inputted the wrong Policy ID. Your Policy ID is the combination of the Master Policy number (M-MNZ5196780) and your individual Policy number (1234567). They should not be the same number.

    Please verify that you have shared the correct Policy ID. You can find your Monzo Travel policy number in the travel insurance section of your Monzo app. It looks like this: M-MNZ5196780-1234567.

  • Do you have these documents?

  • We'll ask you to upload these documents later in this form. If you don't have them, we won't be able to finalize your claim. 

  • For any claims related to the subscriber's partner, we will request a proof that the partner is living at the same address than the subscriber.

  • Travel cancellation (before departure)

  • Cancellation coverage protects you if you unavoidably have to cancel or rebook your trip prior to departure for one of the “covered reasons” noted in your policy booklet. Cancellation of flights by your airline are not covered by your policy, these costs should be refunded directly from the airline in question. If your flight is delayed you may be able to claim compensation directly from your carrier, please check your eligibility here EU regulation.

    You can also find more information regarding your flight cancellation rights here: https://www.euclaim.com/regulation-261-2004  

  • Invoice or receipt for the trip

    Full booking invoice(s) for each part of your booked trip. This must include the date you booked/paid, the travellers, the destination and the amount charged to you.

     

    You will need to provide cancellation invoices for each element, this must include the date you cancelled, the charges to cancel and any refunds or credits offered to you.

  • Invoice for unused pre-paid excursions

    Original booking invoice for any unused pre-paid excursions confirming date and amount paid.

  • Medical certificate

    In case of injury or illness, we require a medical attest describing your injury or illness. Please ask your general practioner (or the medical professional treating you) to fill the medical certificate template we have provided you here.

  • Trip cancellation

    If you cancel your trip because of a 24h delay on your outward journey, please provide a written report from the carrier confirming the length and reason for the delay. The transport carrier can issue this proof for you.

  • Other proof of cancellation

    If you claim relates to covered circumstance that are not medical, you will be required to provide documents relevant to your peril. 

  • Travel curtailment (cancelled whilst abroad)

  • Invoice or receipt for the trip

    Full booking invoice(s) for each part of your booked trip. This must include the date you booked/paid, the travellers, the destination and the amount charged to you.

     

    You will need to provide cancellation invoices for each element, this must include the date you cancelled, the charges to cancel and any refunds or credits offered to you.

  • Invoice for unused pre-paid excursions

    Original booking invoice for any unused pre-paid excursions confirming date and amount paid.

  • Booking invoice for a new flight

    Original receipt or booking invoice for new flight

  • Medical certificate

    In case of injury or illness, we require a medical attest describing your injury or illness. Please ask your general practioner (or the medical professional treating you) to fill the medical certificate template we have provided you here.

  • Other proof of cancellation

    If you claim relates to covered circumstance that are not medical, you will be required to provide documents relevant to your peril. 

    • Proof that emergency services requests you to return home in case of serious damage to your home or business or;
    • Proof that you authorised leave (as an employee of a Government Department) was cancelled for an unexpected posting or an emergency.
  • Delayed departure

  • If your flight is delayed or cancelled, and therefore you end up arriving at your destination 3h late or more than the original scheduled arrival time, under EU261 Regulation you can claim for compensation with your airline carrier according to this EU regulation.

     

     
  • Invoice or receipt for the trip

    Full booking invoice(s) for each part of your booked trip. This must include the date you booked/paid, the travellers, the destination and the amount charged to you.

  • Proof of delay

    We require the proof that your travel has been delayed including the delayed schedule, and the cause. The transport carrier can issue this proof for you.

  • Invoice or receipt for emergency purchases.

    Original receipts for purchases of refreshments and meals, or additional accommodation if necessary.

  • Missed departure

  • If your flight is delayed or cancelled, and therefore you end up arriving at your destination 3h late or more than the original scheduled arrival time, under EU261 Regulation you can claim for compensation with your airline carrier according to this EU regulation.

    You can also find more information regarding your flight cancellation rights here: https://www.euclaim.com/regulation-261-2004   

  • Invoice or receipt for the trip

    Full booking invoice(s) for each part of your booked trip. This must include the date you booked/paid, the travellers, the destination and the amount charged to you.

  • Booking invoice for an additional accomodation and/or travel expenses.

    Original receipt or booking invoice for an additional accomodation (room only) and travel expenses outside the UK in the attempt to reach your international travel destination. 

  • Proof of missed departure

    We require proof of your missed departure. Depending on the peril you will have to provide one of the following: 

    • Failure of public transport - letter confirming length and reason of delay.
    • Breakdown - report from the breakdown company showing date and what was wrong with vehicle.
    • Motorway problem - Highways agency printout of that date or written confirmation from the police showing location, duration and reason for delay.
  • Baggage delay

  • Invoice or receipt for the trip

    Full booking invoice(s) for each part of your booked trip. This must include the date you booked/paid, the travellers, the destination and the amount charged to you.

  • Luggage delayed

    We require the certificate from the carrier that your luggage has been delayed. This is covered by a Property Irregularity Report (PIR) from the carrier or their handling agents. The report should confirm the reason and length of delay and when item(s) were returned to you.

  • Invoice or receipt for emergency purchases.

    Original itemised receipts for any emergency purchases made.

  • Baggage loss, theft or damage

  • Invoice or receipt for the trip

    Full booking invoice(s) for each part of your booked trip. This must include the date you booked/paid, the travellers, the destination and the amount charged to you.

  • Baggage lost or damaged by the carrier

    If your baggage was lost or damaged by the carrier, we require a Property Irregularity Report (PIR) from the carrier or their handling agents confirming the incident. If the baggage was lost by the carrier, please provide a written statement from the carrier confirming they have stopped looking for baggage and it is deemed irretrievably lost.

  • Police report

    In case of theft or lost items. We require a police report confirming you reported the incident to the police within 24 hours of noticing the item(s) missing.

  • Damage report and repair estimate for damaged items. 

    • In case your item is repairable, we require a quote from any repair shop
    • In case your item cannot be repaired, we require a formal statement that the item cannot be repaired from any repair shop.
  • Pictures of damaged item

    In case of damage, we require picture(s) showing to what extent this item has been damaged. Keep any damaged items beyond repair as we may need to inspect them.

  • List of items

    Itemised list all valuables lost, damaged or stolen including the date of purchase. made.

  • Proof of ownership

    We require all invoices and receipt to proving your ownership on the items your are claiming for.

  • Personal money

  • Invoice or receipt for the trip

    Full booking invoice(s) for each part of your booked trip. This must include the date you booked/paid, the travellers, the destination and the amount charged to you.

  • Personal money

    If personal money was lost or stolen a police report confirming what happened and what was lost, and any bank statements/bureau de change receipt as proof of ownership.

  • Travel documents

  • Invoice or receipt for the trip

    Full booking invoice(s) for each part of your booked trip. This must include the date you booked/paid, the travellers, the destination and the amount charged to you.

  • Official missing report

    Police report or embassy report confirming you reported to the local authorities within 24 hours of noticing the passport missing.

  • Invoice or receipt for emergency purchases.

    Original receipts for any additional accommodation or travel expenses incurred.

  • Mugging

  • Invoice or receipt for the trip

    Full booking invoice(s) for each part of your booked trip. This must include the date you booked/paid, the travellers, the destination and the amount charged to you.

  • Police report

    A police report with an incident number that confirms that you reported the mugging within 24 hours.

  • List of items

    Itemised list of personal possessions stolen/damaged/lost including date of purchase and amount paid.

  • Witness report

     An official statement from a witness describing the circumstances of the mugging dated and signed, with the full name of the witness, date of birth, address and employment, passport or driving licence.

  • Medical certificate

    If you require any medical treatment please obtain a written medical report from the medical practitioner.

  • Overseas medical expenses

  • Invoice or receipt for the trip

    Full booking invoice(s) for each part of your booked trip. This must include the date you booked/paid, the travellers, the destination and the amount charged to you.

  • Medical certificate

    Please keep all original receipts and obtain a medical report from the hospital confirming the illness or injury, any treatment and admission and discharge dates if applicable.

    If you were not hospitalized, a medical report from your medical practitioner confirming the treatment and medical expenses. Please use the medical certificate provided by us here.

  • Invoice or receipt for emergency purchases.

    Original receipts for any additional accommodation or travel expenses incurred.

  • Outstanding medical bills

    If there are any outstanding expenses please send a copy of the outstanding bill. Please also mark on it that it remains outstanding. Similarly, if you incur any additional expenses after our prior authorisation, please provide these receipts.

  • Dental

  • Invoice or receipt for the trip

    Full booking invoice(s) for each part of your booked trip. This must include the date you booked/paid, the travellers, the destination and the amount charged to you.

  • Medical report

    Medical report from dentist confirming the cause of treatment and whether this was due to relief of pain or trouble eating

  • Dental invoice

    Itemised invoice for your dental treatment.

  • Outstanding dental bills

    If there are any outstanding expenses please send a copy of the outstanding bill. Please also mark on it that it remains outstanding.

  • Hostpital benefits

  • Invoice or receipt for the trip

    Full booking invoice(s) for each part of your booked trip. This must include the date you booked/paid, the travellers, the destination and the amount charged to you.

  • Hospital report

    Please keep all original receipts and obtain a medical report from the hospital confirming the illness or injury, any treatment and admission and discharge dates.

  • Liability

  • Invoice or receipt for the trip

    Full booking invoice(s) for each part of your booked trip. This must include the date you booked/paid, the travellers, the destination and the amount charged to you.

  • Liability

    Detailed explanation of the circumstances surrounding the incident, including any photographs and video evidence (where applicable).

    Every writ, summons, or other correspondence received from a third party.

    Full details of any witnesses, providing written statements where possible.

  • Personal accident

  • Invoice or receipt for the trip

    Full booking invoice(s) for each part of your booked trip. This must include the date you booked/paid, the travellers, the destination and the amount charged to you.

  • Medical report

    Please keep all original receipts and obtain a medical report from the hospital confirming the illness or injury, any treatment and admission and discharge dates if applicable.

    If you were not hospitalized, a medical report from the medical practitioner confirming the treatment and medical expenses. In case of death, please provide a death certificate.

  • Overseas legal expenses

  • Invoice or receipt for the trip

    Full booking invoice(s) for each part of your booked trip. This must include the date you booked/paid, the travellers, the destination and the amount charged to you.

  • Legal expenses

    Detailed explanation of the circumstances surrounding the incident, including any photographs and video evidence (where applicable). 

    Any writ, summons, or other correspondence received from a third party.

    Full details of any witnesses, providing written statements where possible.

  • Hijack

  • Invoice or receipt for the trip

    Full booking invoice(s) for each part of your booked trip. This must include the date you booked/paid, the travellers, the destination and the amount charged to you.

  • Winter sports

  • Invoice or receipt for the trip

    Full booking invoice(s) for each part of your booked trip. This must include the date you booked/paid, the travellers, the destination and the amount charged to you.

  • Invoice or receipt for extra transport or accomodation

    Invoices or receipts for any accommodation or transports costs incurred in the event of piste closure or avalanche or landslide closure.

  • Police report

    If lost or stolen a police report confirming you reported the incident to the police within 24 hours of noticing the item(s) missing.

  • List of your items

    We require the list of all your items and all invoices and receipts to justify them.

  • Pictures of damaged item

    In case of damage, we require picture(s) showing to what extent this item has been damaged. Keep any damaged items beyond repair as we may need to inspect them.

  • Damage report and repair estimate for damaged items. 

    • In case your item is repairable, we require a quote from any repair shop
    • In case your item cannot be repaired, we require a formal statement that the item cannot be repaired from any repair shop.
  • Written confirmation by your rental or skipass provider

    We require a letter from the seller or renter of the ski pack that proves no refund was granted. 

  • Piste & resort closure

    Written confirmation from the resort management confirming the closure of facilities and the dates applicable.

  • Avalanche or landslide closure

    Written confirmation from the resort management confirming the closure of facilities and the dates applicable.

  • Medical certificate

    Written confirmation from a medical practitioner that the bodily injury or illness stopped the use of the ski pack. Please ask your general practioner (or the medical professional treating you) to fill the medical certificate template we have provided you here.

  • Car excess

  • Invoice or receipt for the trip

    Full booking invoice(s) for each part of your booked trip. This must include the date you booked/paid, the travellers, the destination and the amount charged to you.

  • Car rental documents

    We require the copy of the car rental contract and the proof that you had to pay the waiver to the renter.

     

    Accident report

    The accident report describing the extent of the damage and the circumstances.

      

    Communications with the rental company

    Any communication with the rental company related to your waiver.

      

  • Incident details

    Please provide details regarding the incident
  • By cliking next you confirm that all the information you have provided is accurate and complete to the best of your knowledge. Submitting false or misleading information may be considered fraud, which could result in the denial of your claim and further action being taken.

  • Journey details

    Please provide the details of your journey as they were originally booked.
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  • Travel inconvenience

  • Baggage and valuables

  • Mugging

  • If you are not filing a claim for one of the reasons listed above, the event you encountered is not covered by your Monzo travel coverage. You can refers to your Coverage Terms and conditions or to our frequently asked questions.  

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  • After a 24 hours’ delay on your outward journey you may choose to submit a cancellation claim. We remind you that a refund or alternative compensation must initially be sought from the travel provider.

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  • In case of cancellation due to a 24h delay, please provide a written confirmation from the carrier (or their handling agents) confirming the length and reason for the delay.

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  • Personal money

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  • Travel documents

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  • Car excess

  • We're sorry to hear that something went wrong with your car rental. Please provide the following documents so we can process your claim. 

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  • Winter sports

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  • Liability

  • Please remember that your Personal Liability coverage applies for legal liability claim incurred by you while on a trip outside of the UK in respect of:


    a) accidental injury, death or illness of any person who is not in your employment or who is not a relative, close relative or member of your household.

    b) accidental loss of or damage to the property of any person.

    c) any claimant’s costs and expenses arising out of the above which you or your representatives are legally liable to pay.

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  • Third party contact details

    Please provide the contact details of the third party in regards to your liability claim
  • Medical expense abroad

  • In case of emergency please contact Zurich Assistance +44 (0) 20 8156 2610. If you didn't require assistance service and/or still have outstanding medical bills following an incident overseas, you can use this form to get compensated for the remaining amount. 

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  • Personal accident

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  • Legal expenses

  • Please remember that your Overseas Legal Expenses coverage covers the legal costs in civil pursuits of a claim against a third party for damages or compensation in respect of your injury, dealth or illness sustained while on a trip. 

     

    You have the right to appoint a suitably qualified legal representative in connection with any claim or legal proceedings including the appointment of an expert witnesses.

     

    Our consent to pay legal expenses must be obtained in writing prior to costs being incurred or legal action is taken.

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  • Travellers information

  • We remind the following

    • Children are covered if
      • they are 19 years old or under at the start of the trip or 21 years old or under at the start of the trip if they are in full-time education
      • they are inancially dependent on the subscriber or partner (according to UK regulations)
      • they are not married
      • they are declared and named by the subscription holder
    • Partners are covered if
      • they live at the same address than subscription holder
      • they are declared and named by the subscription holder
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  • Subscription holder information

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  • Bank account details

    Please provide us with the account number and sort code of the account where Qover should execute the payment in case the claim is successful.
  • Particular needs

  • Qover privacy notice

  • Your personal data will be collected and processed by Qover SA (hereinafter ‘Qover’) that is independent controller responsible for the processing of the personal data you are required to share when you submit your claim. The data will be processed only for the purpose of the use of the services provided by Qover, including risk assessment, insurance contract management, claims handling and crime prevention (such as fraud) as well as to allow Qover to fulfill its legal obligations. Qover may disclose personal data to third parties, such as service providers, subcontractors, or to our partners such as Monzo, for the same purposes. Furthermore, Qover might disclose personal data to the risk carrier, Zurich and healthcare professionals for claims handling purposes. For more information about how Zurich processes personal data please visit here. Personal data may be transferred abroad, including to countries outside the European Economic Area. Such transfers are subject to appropriate safeguards, including contractual safeguards, in accordance with applicable European regulations. The persons concerned have certain rights relating to their personal data and in particular the rights of access, rectification, erasure or restriction of processing or to object to processing as well as the right to data portability. To exercise these rights, you may contact at any time by writing Qover’s DPO at privacy@qover.com. For further information about how Qover processes your data please visit our Privacy Policy - EN.

  • I hereby declare that I have answered the questions to the best of my knowledge, accurate, in accordance with the truth and not to have concealed any information relating to this claim;
    I am aware of the stipulation that any right to benefit may lapse with an untrue statement;
    I have knowledge of the contents of this form.

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