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.

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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.
What are the different types travel insurance and which should you choose?: Travel Insurance policies vary from one provider to another. Generally speaking, the higher the premium, the more comprehensive the cover. However, this isn’t always the case. So you should check the policy to ensure that you are getting the most appropriate type and level of cover.
Would you be better off getting annual travel insurance?: If you do a lot of travelling and envisage taking several trips in the next 12 months, it’s well worth considering annual travel insurance.
What should you do if you want to complain about your travel insurance?: Firstly, write to your insurance company and if you are still not satisfied contact the financial ombudsman.
What insurance cover do you need to drive abroad?: If you are driving your own car or hiring a car whilst you are abroad you need to have appropriate car insurance in addition to travel insurance.

Joint travel insurance works out cheaper for couples in much the same way as it does for two named drivers on a car insurance policy. Instead of paying for two individual travel insurance policies, you will make a saving on a joint policy and both of you will get the same level of cover.

Although attitudes are more relaxed these days, the only difficulty you may encounter is the Travel Insurance Company’s definition of ‘ couple’. Most travel insurers only expect you to live at the same address in order to qualify for joint travel insurance. However, this could pose a problem if you are engaged and don’t live together - but even in this instance, insurers will probably be flexible.

Another point to consider - if you are thinking of getting annual insurance as a couple, then you should make sure that you and your partner are covered when travelling separately.

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