Hot Topics

Do you need travel insurance if you are travelling in the UK?: If you are going anywhere in the UK, essentially the only travel insurance that you need is a simple cancellation policy. This means that in the event of any transport or accommodation being cancelled, the policy will cover your costs.
Is it possible to get cheaper travel insurance for a couple?: Yes, if you and your partner are travelling together, you stand to save even more money with a joint travel insurance policy.
How much can you really save buying travel insurance online?: You couls save upto 40% through Endsleigh and Essential Travel, our partners for Travel Insurance.
What does the term excess waiver mean?: When you get a quote for your travel insurance you may find that the policy is subject to an excess waiver. This means that you will be responsible for paying the first part of a claim.
Is it OK just to get single trip travel insurance?: Yes, if you only go abroad once or twice a year, single trip travel insurance is the most appropriate Cover for your needs and probably the best value too!

Can you be refused Travel Insurance?

Insurance is all about risk. The greater the risk of an illness, accident, loss or another event occurring, the higher the premium you will be expected to pay for cover. If the Insurance Company decides that the chances of an incident occurring are extremely high, it is not obliged to insure you.

Nevertheless, when you apply for any Insurance, you must declare anything that might affect the policy. If you don’t – and you need to make a claim, your policy may be invalidated.

More often, in the case of travel insurance, health factors are the main reasons for increasing your premiums or preventing you from being insured. It is important to inform your insurer of any medical conditions affecting yourself, those travelling with you, or indeed of anyone whose state of health may prevent you from travelling or cause you to curtail your trip.

For instance, you must disclose if you or any of the above mentioned:

• are waiting for the outcome of medical tests.
• have been advised not to travel by a medical practitioner.
• are taking the trip expressly to get medical treatment.
• have been suffering from a persistent or incurable illness in the last year.
• are waiting for, undergoing or recuperating from in-patient treatment.
• are terminally ill.

Important advice from Brokers Online

Remember, even if any of these situations apply, you will not necessarily be refused travel insurance – but it could have a bearing on your premium.

However, if you are turned down, it’s better to know where you stand before travelling, rather than paying for insurance and then finding you are ineligible to claim.

How much can you really save buying travel insurance online?

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