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Travel insurance prices – How do we compare?

It’s been little over a year since the Financial Services Authority (FSA) introduced regulations governing the selling of travel insurance in conjunction with holidays. This was great news for consumers, as it effectively told travel firms and holiday providers that they have to make it clear to customers that they can shop around, and aren’t compelled to take the insurance that the vendor packages with the holiday. And – of course – by doing so, it’s possible to find better value policies.

According to the FSA, one of the key benefits for consumers is that they “will get clear, concise and consistent information about a firm's services and products on offer so they can make informed choices”. We’re all in favour of that. But we’ve heard that some operators still try and hoodwink customers into believing that they can’t commit to their holiday unless they agree to take out travel insurance with the same operator. Tut tut – that is very naughty! Don’t fall for it if an operator tells you this – stick up for your rights. And maybe even grass them up to the FSA.

So, one year on, how do the well-known operators compare price-wise against using a site such as Confused.com? We’ve gathered some prices, which you can see below – accurate as at January 4th 2010. We think the prices speak for themselves:

Single Trip

Journey Type

1 Adult between 18-54 travelling to Europe for 1 week

Family of 4 travelling to Europe for 1 week

Family of 4 travelling to USA for 2 weeks

Confused Price

£8.99

£14.40

£29.54

Thomas Cook Traveller

£19.99

£39.99

£111.99

Trail Finders Price

£19.00

£47.50

£167.50

First Choice

£18.99

£47.78

£109.99

STA Blue Premier

£17.00

£51.00

£171.00

Going Places

£19.99

£39.99

£111.99

Thomson

£18.99

£47.48

£109.99

Biggest Saving

£11.00

£36.60

£141.46

Annual Trip

Journey Type

1 Adult between 18-54 travelling to Europe

Family of 4 travelling to Europe

Family of 4 travelling to USA

Confused Price

£21.99

£39.90

£55.50

Thomas Cook Traveller

£49.99

£74.99

£121.99

Trail Finders Price

£95.00

£144.00

£144.00

First Choice

N/A*

N/A*

N/A*

STA Blue Premier

£17.00

£51.00

£171.00

Going Places

£49.99

£74.99

£129.99

Thomson

N/A*

N/A*

N/A*

Biggest Saving

£73.01

£158.10

£247.50

* No Annual policy Offered

Details of Quotes through Confused.com, accurate as January 4th 2010

Single Trip

1 Adult between 18-54 travelling to Europe for 1 week.

  • Provided by - Multitrip.com
  • Key Policy Benefits Medical Expenses £5,000,000 Cancellation £3000, Baggage £1500, excess £75

Family of 4 travelling to Europe for 1 week.

  • Provided by - Flexi Cover direct
  • Key Policy Benefits Medical Expenses £10,000,000 Cancellation £2000, Baggage £1000, excess £75

Family of 4 travelling to the USA for 2 weeks.

  • Provided by - Your Travel Cover
  • Key Policy Benefits Medical Expenses £5,000,000 Cancellation £3000, Baggage £1500, excess £75

Annual Trip

1 Adult between 18-54 travelling to Europe.

  • Provided by - Multitrip.com
  • Key Policy Benefits Medical Expenses £5,000,000 Cancellation £3000, Baggage £1500, excess £75

Family of 4 travelling to Europe.

  • Provided by - Flexi Cover direct
  • Key Policy Benefits Medical Expenses £10,000,000 Cancellation £2000, Baggage £1000, excess £75

Family of 4 travelling to the USA.

  • Provided by - Flexi Cover direct
  • Key Policy Benefits Medical Expenses £10,000,000 Cancellation £2000, Baggage £1000, excess £75

Key Policy Benefits through other travel operators

Thomas Cook Traveller prices accurate as of January 4th 2010 and are available on their website.
Medical Expenses £5,000,000 Cancellation £5,000, Baggage £1500, excess £75

Trailfinders prices are accurate as of January 4th 2010 and can be found on their website.
Medical Expenses £5,000,000 Cancellation £5000, Baggage £2000.

STA Travel prices are accurate as of a January 4th 2010 and can be found on their website.
Medical Expenses £10,000,000 Cancellation £2000, Baggage £1500.

Thomson prices are accurate as of a January 4th 2010 and can be found on their website
Medical Expenses £5,000,000 Cancellation £3000, Baggage £1500. Excess £75

Going Places prices are accurate as of a January 4th 2010 and can be found on their website via Thomas Cook
Medical Expenses £5,000,000 Cancellation £5,000, Baggage £1500, Excess £75

First Choice prices are accurate as of a January 4th 2010 and can be found on their website.
Medical Expenses £5,000,000 Cancellation £3000, Baggage £1500. Excess £75