A. Send an email to GIS@derbyshirebenevolenttrust.com explaining that you wish to change these details. We will then email you a link to a pro forma for you to check all the details we hold on file and to amend those details you wish to change. Like all details concerning your membership, this information will be treated in the strictest confidence.

Please note:  The person registered with you on file may be considered as your beneficiary until they are removed.

A. Life insurance will pay your dependents money as a lump sum if you die. It’s designed to provide you with the reassurance that your dependents will be financially secure if you’re no longer there to provide for them.

A. Some life insurance policies have exclusions where they do not pay out, such as drug related deaths or suicide. The DBT Group Insurance scheme will pay out following death from any cause.

A. Not everyone needs life insurance, but if your children, partner or other relatives depend on your income to cover the mortgage or other living expenses, then the answer is yes – you probably do want life insurance, since it will help provide for your family in the event of your death. In the majority of cases if you have a mortgage your lender will require you to have adequate life insurance before lending you the money to purchase your house.

A. The lump sum paid to your dependents from your pension is determined by the pension scheme you are in. Please contact the pension administrator for more details

In some schemes your dependents may also receive a monthly income dependent upon your length of service and contributions, although this will probably be significantly less than your salary and in the majority of cases it will be insufficient to fully provide for your family and replace the loss of your income should you die.

A. The life cover on the Group Insurance Scheme is written in trust. This means that the payment can be paid quickly and free from your estate so does not attract inheritance tax. Usually the money is paid to your beneficiaries within a week of the claim being submitted.

Initially the payment is paid to the Trustees, who will then pay the money to your beneficiaries. You will have filled out a beneficiary nomination form when you first joined the scheme and it is helpful, and will assist the process if you update this form if your circumstances change.  Contact the DBT Office if you need to update your details.

A. Yes. If for example you wish to divide the amount between your children the beneficiary nomination form allows for this.

A. Yes, you can. Members can apply to purchase additional cover in increments of £50,000, £75,000, £100,000, £125,000 and £150,000 under the group arrangement.

Supplementary cover can be carried into retirement, but subscriptions and benefits will vary.

Email GIS@derbyshirebenevolenttrust.com for an application or more details.

A. As level of risk changes as we get older there are changes to the levels of cover when you retire. The level of cover and price is dependent upon your age and selected option and you should check the DBT website for full details of the cover.

A. If the vehicle cannot be repaired under Roadside (section A) or At Home (section B) cover, the vehicle and passengers will be recovered to a single location of your choice within the UK.

For long distances, more than one recovery option may be used to get you and your vehicle to your destination.

Please see the ‘Not covered’ part of Roadside (section A), in the dedicated Motor Breakdown Policy and information documentation on the DBT website. This applies to Recovery as well.

If your vehicle is designed to carry a spare tyre, but you are not carrying one, or it’s not in safe working order, full national recovery will not be provided for tyre-related breakdowns. However, you will be offered a tow of up to 10-miles.

If you choose a destination but on arrival it’s closed or the recovery service can’t access it, you will NOT be offered a second recovery. This applies to recovery of both the vehicle and passengers

A. Pre-existing conditions do not need to be declared under this policy.

The travel policy on the DBT website explains:

The policy will not cover you for any claims arising from Pre-existing Medical Conditions as set out below;

a) Any claims made under the Cancellation, Curtailment or Change of Itinerary and/or Medical & Emergency Travel Expenses section of this policy as a result of any Pre-existing Medical Condition where a Qualified Medical Practitioner has not permitted the Insured Person to travel.

b) Any claims under the Cancellation, Curtailment or Change of Itinerary section of this policy as a result of any Pre-existing Medical Condition where the Insured Person is on a waiting list for in-patient treatment.

c) Any claims made under the Cancellation, Curtailment or Change of Itinerary and/or Medical & Emergency Travel Expenses section of this policy where you are travelling for the purpose of obtaining medical treatment abroad.

d) Any claims made under the Cancellation, Curtailment or Change of Itinerary and/or Medical & Emergency Travel Expenses section of this policy where you have been given a terminal prognosis.

e) Purchase of any prescription medicines relating to a Pre-existing Condition.

f) If an Insured Person or Close Relative has suffered a Pre-existing Medical Condition that You could have reasonably foreseen would have given rise to a Cancellation or Curtailment or Change of Itinerary claim under the Cancellation, Curtailment or Change of Itinerary section of this policy.

If you have any queries regarding pre-existing conditions, or if you believe any of the exclusions may be applicable to you and would like further guidance on this please contact the DBT office via email using admin@derbyshirebenevolenttrust.com

The policy can be viewed in full by clicking the link: https://www.derbyshirebenevolenttrust.com/holiday-insurance-2026/

The upper age limit for dependent children is 23, provided they are in full time education.

With regard to those in apprenticeships the insurers explain:

Full Time Education/Apprenticeships.

• A programme of learning provided by a recognised education body that leads to a qualification by examination or assessment, which is either:
  • 1. full-time study; or
  • 2. a mixture of study and works experience where at least two thirds of the total time for the course is spent on study.

If the majority of time is spent at college (3 to 4 days) and the remainder in the workplace – they can be covered under the travel policy.

If only 1-2 days are spent at college and the remainder in the workplace – they cannot be covered under the travel policy.

A. You will not have cover under the policy if you travel to any country or destination that the Foreign, Commonwealth & Development Office (FCDO) has advised against “all but essential travel” or “all travel”.

Please bear in mind that the FCDO advice does change, and you should always check the advice applicable to your destination country before making a booking and before departure.

Yes. Cover would apply, as with any other holiday, up to the sums insured shown on the Schedule and subject to the standard policy terms and conditions.

A. Yes. The sum insured as shown in the policy schedule for Medical, Repatriation and Additional Expenses is up to £10,000,000.

The cover provided is Worldwide (as shown on the Schedule). Like most travel
insurance policies, the cover excludes pre-existing medical conditions in certain
circumstances. Regardless of the type of holiday, you should ensure that you are
aware of any exclusions and whether or not they apply to you and your personal
circumstances (see page 11 of the Policy for details).

Regardless of the type of holiday or trip, it is prudent to ensure that you have a full
copy of your policy documents, just in case of the unexpected. It is a matter of
personal preference whether you take a printed copy, electronically saved copy or a
combination of both. Having a printed copy of the Schedule may be of benefit for
terminal checks and, in the unfortunate event of, attending a medical facility.

A. Yes. From 1^st June 2026 the Travel policy includes cover for Missed Port Departure; Skipped Port; Cabin Confinement; Cruise Attire- loss, damage or delay.

Please see the travel policy and schedule for more details.

https://www.derbyshirebenevolenttrust.com/holiday-insurance-2026/

On Windows computers:

• Hold down the Ctrl key and press F5

On Apple (Mac) computers:

• Hold down Command (⌘) and Shift, then press R

There isn’t a single button for this, but try the steps below.

Option 1

On Android phones/tablets:

1. Tap the square button (or swipe up and hold) to view all open apps
2. You will see a list of apps running
3. Swipe your browser app (Chrome, Samsung Internet, etc.) off the screen to close it
   • Or tap “Close all” if you see that option
4. Open your browser again and return to the website

On iPhone / iPad:

1. Swipe up from the bottom of the screen and pause
2. You will see all open apps
3. Swipe your browser (Safari/Chrome) upwards to close it
4. Open the browser again and go back to the website

Option 2

• Look for a refresh icon (🔄) in your browser and tap it

Option 3 (if still not updated)

• Go to your browser settings
• Find History or Privacy
• Tap Clear browsing data
• You can usually choose cached images and files only

Still seeing the old page?

• Try a different browser (for example, Chrome, Edge, or Safari)
• Or try a different device

Tip

If you’re unsure, simply closing and reopening your browser fixes the issue most of the time. Or a complete reboot of your device.