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Travel insurance questions


What type of cover is best?

Couple asleep on the beach

If you only make one or two trips abroad each year, buying single-trip travel cover each time may be the cheapest option. 

However, a growing number of people are opting for the cost savings and convenience of annual travel insurance. If you travel more than a couple of times a year, then annual cover is definitely worth considering.

What is an excess?

An excess is the first part of any claim that an insured person has to pay. This differs from insurer to insurer.

When you compare travel insurance with us, after you've entered your details, the excess for each policy is displayed clearly on the results page.

Do annual policies cover travel within the UK?

Yes, most annual policies offer cover within the UK. It's worth checking to see exactly what's covered.

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If I take my golf clubs with me, how much are they insured for?

Cover is not normally provided for golf clubs as part of a standard policy. However, some providers allow you to upgrade your policy to include cover. 

Alternatively you might want to check to see if they’re covered under your home insurance policy.

When does cancellation cover commence?

If your policy includes it, cancellation cover applies from the moment you buy. It ends on your departure. This, among other things, is a great reason to get your travel insurance as early as possible.

What is ‘scheduled airline failure’?

If a flight doesn’t go ahead due to the airline’s insolvency, this stipulation will cover you for costs made prior to its departure. 

It applies when the money paid cannot be refunded by the airline in question, or other protection schemes such as ATOL. This covers inbound and outbound journeys. 

Other conditions usually apply, so please read your policy documents for more information.

Is there a limit to the number of days I can be abroad on an annual policy?

Annual multi-trip policies tend to limit the number of days you can spend abroad during any one trip. 

Some also limit the maximum total number of days you can spend abroad, so it's worth checking before you buy. Under our standard insurance, the limit is up to 31 consecutive days. 

If you need longer, we have specialist providers who can quote for such circumstances.

Do annual policies cover travel within the UK?

Yes, most annual travel policies offer cover within the UK providing your trip is for one or more nights in pre-booked accommodation.

Why can’t I buy a family policy if my child is over 17?

This is a stipulation that our insurance providers use. 

If you need a policy to cover your child who is 18 or older then you can either enter the total number of travellers under the adults, or buy a couple’s policy and purchase a separate policy for your children.

Do annual policies cover ski and snowboarding trips?

Some annual travel insurance policies include ski and snowboard cover, but you are usually limited to a maximum number of days each year.

Can I ski and snowboard off-piste?

Usually yes, so long as you are accompanied by a qualified guide or instructor.

photo: notsogoodphotography


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