Travel Insurance

When you’re planning a trip away, be it an impromptu weekend break or an extended holiday to visit relatives in far flung reaches of the globe, the last thing you need on your mind is the worry of what 'could' happen.

The majority of our insurers either include Annual Travel insurance coverage as standard under their household policies up to a starting age of 75, or are able to provide it as an optional additional cover, to give you peace of mind that unexpected events such as flight cancellations, delays, medical emergencies and loss of travel documents are all covered.

Limits of cover under our policies are higher than those you would expect to find from a mass market insurer.

Should your specific needs extend beyond those accommodated for under our household policies, a member of our team would be happy to arrange a suitable standalone travel policy tailored to your exact requirements.

In addition to insurance for annual travel which will cover any trips taken within a yearly period, standalone travel policies for individual trips, student gap years and commercial business travel are also available.

If you enjoy winter sports or more hazardous leisure activities, all travel policies can also be extended to include these.

Important Information for Customers with Pre-existing Medical Conditions

In accordance with requirements recently introduced by the UK’s financial services regulator, the Financial Conduct Authority, we wish to give you information on how you might improve your access to travel insurance policies that include cover for more serious medical conditions.

The following circumstances might apply for when this information is relevant to you:

  • You have not been offered, or have been declined a quotation wholly or partly due to a medical condition;
  • Your policy has been cancelled, wholly or partly, due to a medical condition;
  • You have been offered a policy with a medical condition exclusion, which cannot be removed from the policy;
  • You have been offered a policy with a medical condition premium of £100 or more;
  • You have been offered a policy in respect of which the medical condition premium is not known.

Development has been taking place at a number of institutions to produce a publicly available “Medical Cover Firm Directory”, which only lists firms that provide, or arrange, travel insurance policies that cover more serious medical conditions.  Such a directory will also show enough information about each firm listed so you can make an informed initial choice about which provider might best meet your needs.

Using the directory is likely to make it easier for you to navigate the available market and find a firm that:

  • Is willing to offer cover for your condition;
  • Is willing to offer cover for your condition without specific exclusions;
  • Is willing to offer cover for your condition at a more affordable price.

The Money and Pensions Service (MaPS) has launched a travel insurance directory on its Money Advice Service website which can be accessed here:

Consumer enquiries about the directory can be made to the Money Advice Service’s Customer Contact Centre, which is available Monday to Friday, 8am to 6pm using the details below:

Telephone: – 0800 138 7777
Email –
Address – The Money Advice Service, Holborn Centre, 120 Holborn, London, EC1N 2TD