What’s the difference between standard and business travel insurance?

Business trips and pleasure trips involve different risks and the respective travel insurance policies reflect this distinction.

For Single Trip Travel Insurance

For Multi Trip Travel Insurance

Hot Topics

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.
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.
Can you get cheap travel insurance if you are over 65?: Yes, if you go through Endsleigh and Essential Travel you should be able to get cheap travel insurance right up to the age of 75!
Do you need special travel insurance for ski-ing holidays?: At the very least you should top up standard travel insurance with ski cover - but you are probably better off buying a specialist ski or extreme sports travel policy which gives you more extensive cover.
What should be covered on a standard travel insurance policy?: Most standard insurance policies provide more than sufficient cover. However, it’s well worth noting the key cover features that should be included in your travel policy. These are as follows:

When you are travelling on business, as well as your personal luggage, you will probably be taking equipment or property belonging to your company, such as a lap top computer. If an item like this gets stolen, you may even be liable. Fortunately, business travel insurance includes cover specifically for such an eventuality. However, the premium may take into account the extra risk associated with travelling to parts of a country where there are few, if any, of the usual services to support tourists in difficulties. It’s also worth noting that you will probably be expected to stay in pre-booked accommodation as a condition of your business travel policy.

Important advice from Brokers Online

Although some companies provide business travel insurance for their employees, not all do. So it’s essential to check what cover is provided. If there is little or no provision, then we strongly advise you to arrange appropriate cover. Simply return to the “ Specialist Travel Insurance” section on our website and click on “ business travel insurance” to get quotes from our providers.