Ulsterbank travel insurance - AVOID
A word of advice re Ulsterbank travel insurance - avoid it. After having bought a travel insurance from them all I can say is that I haven't dealt with such a incompetent and irresponsible bunch in a long time.
Here is my story. A month ago I got a standard travel insurance from them for a 1 week holiday under the sun. It is bad enough that they don't give you the details of the policy cover until you buy it (I had asked), but at least you'd expect to receive the documents soon after you pay. Not the case.
10 days and no documents in sight, so I called them and the girl said "oh, there was a glitch in the system but I will send everything ASAP".
A week later - still no documents. Another call - "I don't know why they were not sent. Some glitch in the system. Your policy is fine and I will send everything today".
A week later - still nothing. Another call - "my system just crashed. I will call you within 5 minutes". I left my number, but no one called.
Now I am running out of time before my holidays. So another call. The guy says "Your policy have not been validated for some reason. Don't know why. But I will validate it and send everything today". I take his name and his extension and mention that I want to talk to the supervisor, so he takes it seriously and FINALLY I get my documents in post a couple of days later.
So.. first lesson - with Ulsterbank Insurance it takes a month and 5 calls to get the policy documents. A lot of work for your own money.
But yet another call was needed because the policy document says that we are going to Europe even though we are going to Northern Africa. The brochure vaguely mentions that their "Europe" seem to cover "bordering Mediterranean countries", but I am calling them to confirm this. What a surprise - they guy on the phone is adamant that I need a Worldwide cover and not a European cover that they put me on. I am asking how this is possible, after I told them where I go on at least 3 occasions, and refer to the brochure and ask him to double-check. So he goes away and finally confrims that yes, their "Europe" also covers "Northern Africa".
If that's what it takes to get insurance from them, I can only imagine what it is like to make a claim with them..
P.S. Ulsterbank Insurance is quite separate from Ulsterbank Banking. I am not bashing the Banking - I've been quite happy with it for a very long time.