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Old Andeans only in touch with European for insurance? (4,2,4)

Ross

I believe the answer is:

just in case

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'old andeans' is the definition.
I can't tell whether this definition defines the answer.

'only in touch with european for insurance?' is the wordplay.
'only' becomes 'just' (synonyms).
'in touch with' is a charade indicator (letters next to each other).
'european for insurance?' becomes 'incase' (I can't justify this - if you can you should believe this answer much more).
'just'+'incase'='JUST IN CASE'

Can you help me to learn more?

(Other definitions for just in case that I've seen before include "Lest" , "how one should be when judging suit?" , "In the unlikely event of problems" , "the judge needs to be" , "For insurance" .)

I've seen this clue in The Times.
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