Compare Travel Insurance
- Compare 1090 policies from 204 insurers
- Find the Cheapest
- View a Top Selection ( or, if you prefer, all 1090 policies! )
- Optional service. Compare any 3 policies in fine detail.
Going on 1 trip?
Want an Annual policy?
Scroll down and Discover
- Should you buy a Single Trip or Multi Trip ( annual) ?
- The policy features you need to consider
- 20 Travel Tips
- Links to articles about Travel Insurance
- Check out our FAQ's
Brokers Online have partnered with Securance to provide you with an absolutely fantastic Comparison Service for Travel Insurance.
Once you have chosen the product by clicking on one of the two buttons above, we'll transfer you to Securance's travel insurance page. There you can view a top selection of travel insurers, or if you wish you can plough through all 1090 policies!
To make a really detailed comparison we suggest you use their Detailed Compariosn Service. Simply select 3 policies you're interested in and click. Within seconds you'll see a highly detailed comparison of the policie over the following aspects:
- Destinations available
- Medical Cover
- Financial loss cover
- Wintersports cover
- Other Cover
- General Exclusions
... and example Quotes.
To get your own Quote, complete your details and you're off and running.
Regulation : To check out the regulatory disclosures from Brokers Online in respect of travel insurance, Click Here.
For Single Trip Travel Insurance
For Multi Trip Travel Insurance
Single or Multi trip Cover?
The first thing you'll need to decide is whether you want a Single Trip or Annual policy.
Single Trip Insurance
Insures you for a specific holiday and the cost of the policy will depend on the length of time you are away and your destination.
Multi trip (annual) Policies
Insures you for 12 months regardless of how many trips you make abroad. This means its a really flexible option. In general if you're planning to travel abroad more than twice in the next 12 months and are planning to visit America or are hoping to get away for a spot of winter sports, then an Annual policy is likely to be cheaper than buying a seperate policy for each holiday.
Some other points to consider with a multi trip Policy
Many insurers offer the choice of either a Worldwide or European annual policy. If you only intend to travel in Europe during the next 12 months, then choose the European option - it should be significantly cheaper.
If you expect to take holidays lasting longer than 15 days, you should check whether the insurer places any restrictions on the number of days you can be away on the trip. If you plan to be away a number of months at a time, check out the "gap year" or "backpacker" travel policies. If they're suitable they may save you money.
And here's a good tip. Don't be tempted to start your Annual Policy to coincide with the first day of your holiday. It's far safer to start the policy on the day you make your first travel booking - that way if something goes wrong and you have to cancell you'll be covered against the cancellation costs.
Factoids. Check out the facts and figures NOW!
"UK residents make over 58 million overseas trips abroad each year but as many as 1 in 7 fail to take out adequate travel insurance."
"Around one third of 18 to 34 year olds who take last minute ski-ing breaks don't buy adequate cover.
The top five skiing injuries all require expensive medical attention, such as knee ligament injuries and fractured tibia. If you risk skiing in the US without insurance, a broken limb could cost as much as £5,000."
"Instead of taking out insurance, people believe that their credit card accident cover, home insurance, or private health cover is sufficient. However, it is unlikely that any of these will give adequate cover."
"Few EU countries pay the full cost of medical treatment even under reciprocal health service arrangements. You will still need appropriate insurance to ensure that you are fully covered for all eventualities."
"If you are driving, your car insurance will provide the minimum cover for EU countries, which is liability to third parties. If you want to have the same provision as you enjoy in the UK , you will need to extend your cover. Furthermore, you are unlikely to be covered for breakdown, so you should arrange adequate protection."
"Almost 50% of this summer's holidaymakers will consider lodging a dishonest claim on their travel policies - and 15% will actually admit making one."
"Anti-fraud techniques are improving, with one insurer identifying Â£250,000 worth of fraudulent travel claims last year, 20% up on the previous year's detection levels."
"Insurance companies can check customer's records on a central database called CUE- the Claims and Underwriting Exchange - which makes it easier to trace anyone who makes multiple claims."
"Most policies on the high street are not aimed at the growing numbers of British holidaymakers who enjoy doing dangerous sports while overseas."
Travel insurance, cheap travel insurance quotes, single trip and multi trip insurance available from Brokers Online
Check out our travel tips NOW they could save you money!
- Make sure you have a valid passport preferably before you book your tickets. Some countries require passports to be valid for up to 6 months after the expected return date.
- If you need to apply for a new passport, don't leave it to the last minute - although there are fast track services to help you get a passport quickly, these make it more costly.
- It's essential that you have the appropriate visa for each country that you are visiting.
- Check vaccination and other health requirements for all your destinations at least six weeks before travelling. Take copies of health certificates with you.
- If you are travelling within the European Community plus Iceland , Lichtenstein or Norway ,take an E111 form with you. However, as it won't cover you for repatriation or all possible medical costs, you will also need reliable travel insurance.
- Arrange your travel insurance as quickly as possible after making your booking, so that you are protected against cancellation and curtailment. Check the insurer's terms in such an eventuality.
- When you are comparing travel quotes, don't just consider the price, compare the cover and the exclusions - the cheapest may fall short of your requirements.
- Inform your car insurance company if you intend to drive abroad and ask them to advise you on the most appropriate cover and breakdown service.
- Although, it may seem more convenient to buy travel insurance - beware! Sometimes the savings on the holiday deal are transferred to the cost of the insurance. Incidentally, you are not obliged to take out travel insurance as part of a package deal.
- Watch out for travel insurance companies that include non-essential benefits as part of their cover - for example, a travel advice line. Check how much add-ons like this are pushing up the cost of the policy.
- You must declare existing or past medical conditions of all those to be covered when you apply for travel insurance - otherwise you could invalidate your policy.
- Wise up on local laws before you go - especially those relating to alcohol and drugs. It's highly unlikely that your policy will provide cover for drink or drug related incidents.
- Check that your insurance covers you for the full duration of your trip and take a copy of the policy with you.
- Make sure your policy includes 24-hour emergency assistance and remember to keep the number on you.
- If you don't look after your possessions properly, your policy won't cover you.
- If something goes wrong and you need to make a claim, keep relevant receipts, medical bills and documents for verification.
- Take extra money for back-up funds in case you have to pay up front for medical treatment or anything else that goes wrong.
- If you have to cut your trip short, get permission from your insurance company before re-arranging air flights.
- Leave copies of your passport, insurance, details of your itinerary and a means of being contacted, such as an email address with a responsible person.
The Benefits to consider.
When you are comparing individual policies use the facility on Securances website which enables you yo compare 3 policies in great detail. There is a lot of detail so here are some pointers:
This is an essential component of your insurance. In almost all circumstances £2 million will be quite adequate.
Lost luggage and cash cover
This element insurers your luggage and cash whilst you are in transit and whilst you are staying abroad. Check out whether the policy has enough cover for everything you expect to take abroadand don't forget the cost of the luggage itself! If your airline loses your luggage you can claim off them but the payment they make is based on the weight of your luggage and, in our experiance, rarely matches the true value of the missing items. So our advice is make sure the policy you buy provides all the cover you'll need - don't rely on anything from the airlines! It is also worth noting that most travel insurers will offer a discount if your luggage is also insured on your home and contents insurance. So check this out and don't pay twice for the same protection.
The insurers consider that if you are 65 or over, you're more likely to make a claim under the medical provisions. As such some policies are not available unless all the travellers are aged under 65. But if you're over 65 help is at hand. There are plenty of policies tailored for the over 65's and there are some bargins to be had!
You may be forced to cancel your trip due to ill health, ill health of others, bereavement etc. That's where cancellation cover is important. Make sure that the policy you chosen would fully compensate you for your cancellation costs upto the full cost of the trip.
Pre-existing Medical Conditions
The insurers may be prepared to provide some cover for a medical condition you already have, others will exclude any claim relating to that condition. If you do get cover for an existing medical condition, this particular cover will be reflected in a higher premium. Armed with this knowledge, please do not be tempted to "forget" to give the insurer correctly all the information they request. If you are not 100% honest, the insurer is within their rights to cancel your insurance.
Adventure and Wintersports Holidays
Medical and luggage claims are more likely on these types of holiday. So its especially important to make sure you have adequate cover. There is a good selection of specialised winter sports and adventure policies and save some general travel policies also offer optional extra cover for these activities. But be aware, if you go on a winter sports holiday and are tempted to economise with a general travel policy, the odds are that any claim will activate an exclusion clause and your claim would be refused.
Discounts and Cheap prices
Our advice is don't just go for the cheapest policy. Firstly decide the mimimum cover you need and only consider policies which provide that minimum, or better. Use Securances 3 policy Comparison Service to check out the details of your shortlisted selection. That said, discounts, family discounts and couple discounts are defintaly good news!
The precise deatils of what is insured can vary considerably from one insurer to another. On the one hand, the cheapest deal may not cover all your requirements- on the other; you don't want to pay out for more insurance than you actually need. So make a note of what's covered and what's not when you visit each travel insurer's website for your quotation. This will ensure you get the most appropriate cover for the cheapest premium.
Frequently Asked Questions
You might find it useful to look over the questions we get asked most frequently - and our replies! Click here
Articles published about Travel Insurance
We've made a collection of articles published about Travel Insurance. Why not check them out? Click Here