Good travel insurance companies UK. Here’s what you need to know to get started with travel insurance shopping.
Travel insurance acts as a safety net, allowing you to venture out with confidence. This insurance is intended to cover large financial risks that you do not want to bear on your own. Travel insurance may not be necessary for low-cost trips, but it can provide peace of mind when you prepay for expensive reservations, embark on a large international trip, or travel during inclement weather.
Continue reading to learn which companies made our list of the good travel insurance companies in the UK in 2023.
Travel insurance
A travel insurance policy can safeguard you from a variety of unexpected events while travelling. Whether you need trip cancellation coverage to reimburse you for the costs of hotels, flights, and other pre-paid and non-refundable trip expenses, or medical expense coverage to protect you from the high costs of overseas treatment and hospitalization, a travel insurance policy can significantly reduce your risks.
Travel insurance is essential for travellers who want to protect themselves from unexpected situations that could jeopardize their travel plans, trip investment, or health while on the road. Travel insurance has become one of the most popular insurance products available in recent years due to its low cost.
It’s practically required for international travel, and for travellers of all ages and occupations, it’s a great safety net to provide peace of mind while travelling.
A good travel insurance policy will provide you with peace of mind no matter where your travels take you. With 24-hour emergency assistance from your trip insurance provider, you’ll know who to call if something goes wrong.
What does Good travel insurance companies in the UK cover include?
- Possessions misplaced or stolen
Payment for lost, stolen or damaged baggage.
- Disruptions and cancellations
If an unexpected event causes your trip to be cut short, a flight to be delayed, or a trip to be cancelled, you should be able to claim the costs of these disruptions through your insurance.
- Medical expenses
It is critical to declare any pre-existing medical conditions before purchasing travel insurance. Some insurers will not cover certain medical conditions, such as Coronavirus; others will, but only if they are informed as part of the policy purchase. Declare any dangerous sports or high-risk activities as well, as your insurer may exclude incidents resulting from these from your coverage.
- Legal fees
When you are involved in an incident that is not your fault, your insurer may cover the cost of any legal fees incurred.
How does travel insurance from any of the good travel insurance companies in the UK work?
Travel insurance that is obtained from any of the good travel insurance companies in the Uk will pay for any losses or expenses incurred as a result of an accident, cancellation, or delay. If you are unlucky enough to have a problem while on vacation, you can file a claim with your travel insurance provider to cover the costs or losses.
When you file a claim, you are providing evidence to your insurer about what happened and the losses you sustained as a result of it. The insurer will then review your claim to ensure its validity and compliance with the terms and conditions of the policy. They will then decide how much they will reimburse you for.
How to buy the right travel insurance from a good insurance company
Best ways to get the right travel insurance for you:
- Make a list of the countries you’ll be visiting so you know which geographical regions you’ll need to cover.
- Verify that the activities you want to participate in are covered and at the level you require.
- If you’re travelling with your family, think about getting group insurance.
- If you travel frequently throughout the year, a 12-month policy may save you money.
- Check that the excess and levels of coverage are satisfactory to you.
- Compare prices to get the best deal on the coverage you require
How do you find good travel insurance companies in UK
It’s could not have been more essential to include travel insurance with your holiday booking – but policies are probably more complicated now than they’ve ever been.
- Search widely
- Arrange your cover quickly
- Check what protection your holiday provider offers
Where can you buy good travel insurance in UK?
There is a lot of travel insurance out there. It is available for purchase from:
- insurance companies
- banks
- retailers and supermarkets
- travel agents
- online comparison websites
- holiday companies.
Travel insurance is sometimes included as an extra service through your bank account or credit card. You should look into how much you’re paying for it and what kind of coverage it provides. For example, coverage for your spouse or partner may be limited. It may be preferable to purchase a stand-alone policy.
As part of a package holiday, your travel agent may offer you travel insurance. You can choose to purchase this insurance if you wish, but you are not required to do so. If the travel agent tries to force you to take it or charges you more for your vacation because you refuse to accept it, they are breaking the law. If this occurs, you should seek advice.
Various types of travel insurance in the UK
Here are the most common types of insurance coverage in the UK:
- Travel medical insurance
- 24-hour assistance
- Trip cancellation, interruption and delay
- Baggage and personal belongings
- Accidental death and dismemberment insurance
Travel medical insurance
These plans cover medical expenses while you’re away from home. Although these policies function in some ways like traditional health plans, you should not use travel health insurance for routine medical events. Furthermore, these policies frequently include coverage limitations and exclusions for pre-existing conditions.
Although most travel insurance policies cover a wide range of recreational activities, such as skiing and horseback riding, they frequently exclude adventure sports, such as skydiving or parasailing, as well as participation in organized sporting events. It is possible that you will need to purchase a special travel policy designed for adventure or competitive sports.
24-hour assistance
Many package plans include this service. When you need assistance, such as booking a flight after missing a connection, finding lost luggage, or locating a doctor or lawyer, you can call the insurer’s 24-hour hotline.
Most travel insurance policies cover a wide range of services, but the specifics vary. Many services also provide pre-trip information, such as required vaccinations.
Trip cancellation, interruption and delay
Trip cancellation coverage reimburses you for prepaid, nonrefundable expenses if the tour operator goes out of business or you have to cancel the trip due to one of the policy’s covered reasons, such as:
- It is your own illness.
- A family member who is not travelling with you becomes ill or dies.
- Natural calamities.
Baggage and personal belongings
This coverage repays you for lost, stolen, or damaged luggage and personal belongings during your trip.
It’s best to go over your homeowner’s insurance policy to see what level of coverage it offers so you don’t end up paying for something you already have.
Accidental death and dismemberment insurance
If you die in an accident while on the trip, this coverage will pay a lump sum to your beneficiary, who could be a family member. Accidental death and dismemberment policies will also pay you a portion of the sum if you lose a hand, foot, limb, eyesight, speech, or hearing. Some policies only cover accidental death in a plane.
Good travel insurance companies in the UK 2022
Here are our best picks as the top good insurance companies in UK 2022:
#1. Coverwise travel insurance
Coverwise Travel Insurance is a General Insurance Intermediary in the United Kingdom. The Financial Services Commission licenses and regulates the company. This insurer’s authorization allows it to distribute general insurance products throughout the European Union.
Coverwise Ltd understands the value of being able to obtain insurance that protects you against unforeseen events or circumstances at a reasonable price. Their company goal is to deliver products that meet your needs while also providing excellent customer service and support if you need to file a claim or require emergency assistance.
#2. Southdowns Insurance Services Ltd
Southdowns Insurance Services Ltd is a travel insurance specialist committed to providing high-quality coverage at a low cost. Our goal is to provide you with a variety of policies that will meet all of your requirements, wherever and whenever you travel.
#3. coverforyou travel insurance
This is a specialist in online insurance. Developed with the help of some of the best people, skills, and products in the insurance industry. Their goal is simple: to provide high-quality insurance products by viewing the industry through the eyes of the customer – what are people concerned about, what do people actually need from the product, and what has caused customer dissatisfaction in the past.
#4. Insurefor travel insurance
With over 15 years of specialist experience, insurefor.com offers travel insurance for every type of vacation imaginable, from business travellers to sun worshippers and even sports enthusiasts. They provide high-quality UK, European, and global coverage, as well as family discounts.
Good travel insurance companies in UK for over 50
Saga
Saga is a good option if you’re over 50 and looking for a comprehensive travel policy.
Its travel insurance – which includes cancellation protection – is rated five stars, and Saga also receives one of our gold ribbons for customer service.
It provides coverage if you become ill with the coronavirus while travelling abroad, but it does not cover you if you have to cancel your trip due to the same reason.
Sainsbury’s Bank
If you’re looking for a less expensive option, its silver single-trip policy is rated four stars.
Its policies will cover you if you get sick with the coronavirus while travelling abroad, but they will not cover cancelled flights if you get sick at home.
Sainsbury’s Bank also performs well in our customer satisfaction tables, earning a silver ribbon.
FAQs about Good travel insurance companies in the UK
How do I choose a good travel insurance company in UK?
To choose a good travel insurance company you have to do the following:
- Never purchase from a travel agency, tour operator, or airline.
- Before looking for deals on comparison websites, decide on the type of coverage you require.
- Excess should be avoided at all costs.
- Check to see what your home insurance policy or bank already covers.
Why is travel insurance so important to get in UK?
If your vacation does not go as planned, travel insurance can provide additional protection. It’s especially important to get travel insurance if you’re travelling alone because you could end up stranded with no way to get home and no one to help you sort out your holiday problem.
Can you claim twice on travel insurancevin the UK?
Under insurance law, you cannot make a claim against both policies and recover more than you lost. In general, your policy’s Product Disclosure Statement (PDS) will state that if you successfully claim compensation from another source, your insurer will only pay you the difference.
