Business travel insurance policies cover you if you're travelling for work purposes, rather than leisure. It covers things like business equipment and company money, where standard travel insurance wouldn't.
To get business travel insurance, when you get a quote, select ‘business cover’ from the range of optional add-ons. We’ll then show you a range of insurance providers you can choose from.
Your business travel insurance policy typically cover:
Your policy also includes basic, standard travel insurance cover. This includes:
What's included can vary so check the policy wording see what’s covered before buying.
Exclusions on a business travel insurance policy are the same as with a standard travel insurance policy.
This depends on where you’re planning to go - a business travel policy doesn’t automatically cover all countries. European cover and worldwide cover are pretty much exactly what they sound like, but with some factors you need to consider:
European travel insurance
Worldwide travel insurance
Cover for countries like Turkey and Egypt can vary between European and worldwide depending on the provider, so it’s best to read the policy wording before buying. When getting a quote for worldwide holiday insurance you can choose between:
This will mostly depend on how often you're going to travel for business trips.
Single-trip
Multi-trip
According to our data1, the average cost for a business travel insurance policy is £6.97. However, there are a number of different factors that can affect how much you pay. The cost of your policy depends on:
Where you’re travelling to - insurers rate destinations differently. For example, the more dangerous the country, the more your insurance will cost. They'll also take into account the price of the country's medical fees, which is also be reflected in the price you pay for your policy.
Length of your trip - how long your business trip is for can affect your costs. The longer you're away, the more likely you are to make a claim. If you're away for between 1 and 18 months, consider long stay travel insurance.
Your age and profession - those aged 65 and older can expect to pay more for their travel insurance due to higher health risks. What you do for a living also affects your costs. For example, if you're a journalist reporting in a dangerous country or a wildlife photographer, you have to pay more due to the risky nature of your job.
Your health - having a pre-existing medical condition can increase the cost of your insurance. Conditions including cancer, high blood pressure, diabetes, stroke, heart and respiratory problems should be declared to your insurer. Making sure you've got medical travel insurance is the best way to get the cover you need.
Winter sports - activities such as skiing or mountain climbing are considered high risk by insurers. You can get cover as an added extra but this increases your policy price.
Your excess - increasing the excess you agree to pay with your insurer could reduce the cost of your policy. Just make sure you can afford to pay your excess if you need to make a claim.
it will cover you for any holidays that you've got planned in Europe this year.
means you can get one policy that covers everyone, rather than buying individual policies.
is the perfect policy for those who plan to travel for an extended period.
Page last reviewed: 15 August 2023
Reviewed by: Matthew Harwood
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