A typical Travel Insurance Policy
Travel insurance policies vary in
the maximum amounts they will pay out should an event occur. They also
differ in the excess you will have to pay should you have to make a claim
- and it is a truism that the cheaper the policy the higher the excess. We
can provide travel insurance for example with only a £35.00 excess
(and you can delete it altogether) whilst some internet policies have an
excess of £50, £75 or £100 or even £200. These policies also may not include all of
the example sections below - and if you are buying online it would be up
to you to check if the policy you intend to buy has the appropriate
Typical policy sections (A brief
description and possible limits are available if you click on the link
Pre-existing medical conditions - can
often be covered on referral or accepting a medical declaration
Late stages of pregnancy
Manual work abroad
Under the influence of drugs OR alcohol
Travel following a terminal prognosis
Travel in order to obtain treatment
Air travel unless as a passenger in a
Travelling on a motorcycle exceeding
Travel against advice of the
Foreign and Commonwealth Office
Terrorism (some policies cover medical
expenses after an attack, some do not
Winter Sports (unless premium paid)
Theft unless from a locked room or safe
or glove compartment of car
In addition we
suggest that if you are thinking about travel insurance you should
What is the definition of a 'trip'?
Does it mean 'front door' to 'front door', 'front door' to arrival
back in the UK, or 'Departure from UK to Arrival back in the UK?
Claims have been turned down because connecting flights from one UK
airport to another were missed and the definition of the trip meant
cover ceased when back in the UK
Have you any pre-existing medical
conditions or are you pregnant?
What is the Excess - online travel
insurance policies have higher excesses than policies a broker would
usually recommend as they are sold on price.
What is the definition of a family? For
instance if you take your son's best friend with you she may not be
covered under a family travel insurance policy. Also check maximum
number and ages of children
What dangerous activities may you do?
With some companies jet-skiing is a dangerous activity. If you go
scuba diving what is the limit and are there restrictions on when you
If you are over 75 and want travel insurance our over 75 travel insurance page has lots of information on the cover for single, annual and
long stay travel insurance for the over 75.
Quotations for over 75 travel insurance
are available online, but the recommendation is that you call us on 01207
509446 for free advice, as well as being able to offer a wider range of over 75 travel insurance policies.
To compare and buy our travel insurance
You can compare any purchase our travel insurance - just follow the link
Insurance quotation system
| Single trip travel insurance