To be covered by a CoverForYou travel insurance policy, you must be:
Permanently resident in the UK; and
Registered with a UK GP.
Your home must also be your permanent residence in England, Wales, Scotland or Northern Ireland.
Your main home should be in the UK.
In practice, factors such as the following may be relevant when considering your residency:
Where you normally live.
Which address you treat as your main home.
Where your household bills and official correspondence are sent.
Whether you remain registered with a UK GP.
How much time you spend living outside the UK.
Simply having access to a UK address does not necessarily mean you meet the residency requirement.
You may still be eligible if the UK remains your main permanent home and you continue to meet the residency requirements.
If you divide your time between countries or spend extended periods abroad, please contact us before purchasing if you are unsure whether you qualify.
Tax residency rules are separate from CoverForYou's insurance eligibility requirements.
Yes.
If you are temporarily living away from your family home while attending university, you can still be eligible provided your permanent residency and UK GP registration meet the policy requirements.
You can use either:
Your university address; or
Your parent or family home address.
Use the address that best reflects your circumstances.
You may be eligible if:
Your main permanent home is in the UK.
You are registered with a UK GP.
You meet the applicable visa and residency requirements.
If your right to remain in the UK is time-limited, please check the eligibility requirements before purchasing.
Spending time outside the UK does not automatically make you ineligible.
You may still qualify if:
Your main permanent home remains in the UK.
You remain registered with a UK GP.
You continue to meet the other policy eligibility requirements.
If your circumstances are unclear, contact us before purchasing.
British Armed Forces personnel posted overseas may be eligible under the applicable BFPO arrangements.
Where this applies, your leisure trip must meet the relevant policy requirements.
If you are stationed overseas using a BFPO address, please contact us before purchasing if you are unsure whether the residency exception applies to you.
CoverForYou's residency requirement applies to people whose permanent home is in:
England.
Wales.
Scotland.
Northern Ireland.
This means permanent residents of the following do not meet the standard residency requirement:
Republic of Ireland.
Isle of Man.
Channel Islands, including Jersey and Guernsey.
Residents of Northern Ireland are eligible where the normal residency and UK GP requirements are met.
Nationality alone does not determine eligibility.
You may be eligible if:
Your main permanent home is in the UK.
You are registered with a UK GP.
You meet any applicable immigration or visa requirements.
You meet the other eligibility requirements of the policy.
If you are only staying or working temporarily in the UK and your permanent home remains overseas, you may not meet the residency requirement.
Please contact CoverForYou before purchasing if you:
Split your time between different countries.
Have recently moved to the UK.
Are living in the UK on a visa.
Have spent an extended period overseas.
Are temporarily working or studying in the UK.
Are unsure whether the UK is considered your permanent home.
Our team can help clarify the eligibility requirements that apply to your circumstances.
Important: All cover is subject to the policy terms, conditions, exclusions, cover limits and any applicable excess.
