Old Andeans only in touch with European for insurance? (4,2,4)
I believe the answer is:
just in case
'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" .)