Travel Claims Guide

In the unfortunate event of a claim, please follow our claims guide below.

In the unfortunate event of a claim, please follow the NFUM or Millstream Travel claim links below. To identify which insurer you are covered with, your policy schedule will either shown NFU Mutual or Millstream Underwriting Limited (Please note all Millstream policy numbers start with ITI, ISD and ISL).

Alternatively, please contact us or request a callback and one of our insurance experts, who will be able to confirm who you are insured with and give you guidance on how to proceed.

  • Millstream Insurance
  • NFU Mutual Insurance
Millstream Insurance

Policy from 18 November 2019

If you need to make a travel insurance claim, Millstream claims handlers and emergency assistance companies are here to help.

If possible please have your policy number to hand together with your relevant key pieces of information for example, the date and time of the event.

If you do not have these documents to hand, don’t worry as we understand that this can be a difficult and stressful time.

If you would like to find out more about Millstream Underwriting Ltd. Click below.

More information


Claim contact numbers are:

• Main customer line: 0330 311 2879
Option 1: medical assistance
Option 2: claims handling
Option 3: assistance relating to political unrest or natural catastrophe

To contact the local police, fire or ambulance service

In Europe: 112
In the USA: 911
In Australia: 000

To be prepared for the unexpected, you can register your itinerary for 360 Assistance to receive live updates about potential situations happening where you are.



NFU Mutual Insurance

If an incident occurs which may give rise to a claim, please report the incident to us as soon as you can.

If your property has been stolen, or any other illegal activity has occurred please also contact the local police where you are traveling.

If you have been hurt or injured please seek medical assistance as soon as possible.

Contact your local claims team (9:00-17:00)

Jersey: 01534 835 383
Guernsey: 01481 710 731
Alderney: 01481 824 100

Contact our 24-hour claims helpline

Within the UK: 0345 604 7012
Outside of the UK: 00 44 29 2055 8659

To contact the local police, fire or ambulance service

In Europe: 112
In the USA: 911
In Australia: 000

View the full list of worldwide emergency telephone numbers.


Review your policy documents

Your policy documents include full details on exactly what is covered and how we can help. Please ensure you review your policy documents and insurance schedule in detail before making a claim.

What you’re covered for:

  • Personal Accidents
  • Medical Expenses
  • Hospital Admission
  • Delayed Departure
  • Transport Failure
  • Lost or Stolen Baggage
  • Personal Property
  • Money & Credit Cards
  • Personal Liability
  • Legal Expenses

Making a Claim

Before making a claim please have details of:

  • Your dates and times of travel
  • The amount you’re claiming for
  • Details of any other insurance policies you have that may cover the same loss
  • Original receipts and accounts for all out of pocket expenses, bills or invoices you’ve had to pay
  • Any other information or documentation that you think is relevant to your claim

Remember, the more details you give us, the quicker we can process your claim.

Travel Claims Forms

When you have reviewed your policy documents and are confident you have a valid claim, please complete the applicable claim form(s).

If you would prefer to speak to one of our team, we will be happy to help. Please contact us or request a callback and one of our insurance experts will be in touch as soon as possible.

Contact Us

Request a callback

Request a callback

Please select your location

To provide you with a tailored travel policy, please select your island below to be taken to the appropriate quote form.

Guernsey / Alderney / Sark