What Travel Insurance
Policy is right for me?
Our single trip policy is ideal for short breaks, family holidays or over 65 travel insurance. If you plan to travel more than once in any 12 month period annual travel insurance may be cheaper.
If you are a frequent traveler and require a multi-trip policy our annual travel insurance provides 12 months cover, allowing you to travel up to 30 days at a time.
Planning on backpacking? Our backpackers travel insurance allows you to work abroad and provides cover for up to 12 months.
Annual travel insurance will cover you and your family to take any number of trips to the UK and abroad, up to 45 days per trip, and be insured for all of them. It lasts a year and works out cheaper than taking out several single-trip policies. more details
Backpackers travel policies provide cover for trips up to 12 months in length. Our policy also allows you to work while on your trip. more details
The luggage, clothing, personal effects, valuables, equipment and so on which belong to you and which you are taking on holiday. Excludes personal money and documents.
When applied to travel Insurance, this ensures you are not out of pocket through having to cancel your holiday before you set off.
Terms, conditions, exclusions and excesses apply. Please see our policy wording for full details.
For travel insurance, this ensures that you get some of the cost of your holiday back if you have to cut your holiday short, perhaps because of injury or illness.
Within your travel insurance policiy, delayed departure cover reimburses you for expenses such as food and accommodation incurred because your plane, boat or train is late leaving. Usually paid after you have been delayed for 12 hours, followed by an amount for subsequent 12 hour periods of delay.
Within your travel insurance policy, Emergency Medical Cover refunds the cost of treatment while you are on holiday abroad, including stays in hospital, out-patient treatment, emergency dental work, consultations with a doctor, and prescriptions. It may also include the cost of bringing you back to the UK or a close relative or friend staying with you or travelling out to look after you. It also usually covers burial or cremation costs or the cost of getting your body back to the UK should you die abroad.
All children are free on family travel insurance policies.
You and Your husband/wife/civil partner or partner (who have co-habitated for at least 6 months) and any number of Your unmarried, dependent children (including fostered or adopted) under the age of 19 years.
On an annual multi-Trip policy adults can travel
independently but children must always travel with one of the adults named on the validation certificate.
Golf cover is covered on our grade 1 sports cover.
An organisation which issues an insurance Policy in exchange for a premium. Our travel insurance is arranged by Essential Travel Ltd and underwriten by AXA Insurance Plc.
Covers the legal cost of pursuing claims for compensation and/or damages if you are killed, injured or become ill when on holiday.
Terms, conditions, exclusions and excesses apply. Please see our policy wording for full details.
The obligation to recompense others because of your negligence.
A report by a doctor, given at the request of the Insurer. The cost is usually paid by the Insurer.
Terms, conditions, exclusions and excesses apply. Please see our policy wording for full details.
For travel insurance this can pay your additional expenses if you miss your plane, boat or train because public transport let you down because of bad weather, mechanical breakdown or industrial action without warning and have to make other arrangements to go on holiday which cost you extra.
The legal definition of negligence is the failure to exercise the care towards others which a reasonable or prudent person would do in the circumstances, or taking action which such a reasonable person would not.
see Legal Liability
For pre existing medical conditions we offer a simple online medical screening questionnaire to obtain a low cost quote for pre existing medical conditions travel insurance. This can be found in stage 4 of our travel insurance quotation.
The document that describes details of the cover you have and information that you have supplied to your insurer.
A single trip travel insurance policy covers you for just one holiday or business trip. The cover will have a start and end date.
Special travel insurance to cover you if you are going skiing or boarding. Takes into account the greater likelihood and cost of a claim and the particular expenses related to a winter holiday. Some insurers limit cover to on-piste skiing only, others permit off-piste skiing.