PDA

View Full Version : who do you use for travel insurance?


anthony2k7
06-05-2009, 03:11 AM
who do you use? what has their price and service been like?

Disbabe
06-05-2009, 04:00 AM
We always use insureandgo as we find it the cheapest in covering all 5 of us (the kids are classed as free) on an annual basis. Don't know about their service as we've not had to make a claim (touch wood!) :rotfl:

wayneg
06-05-2009, 04:34 AM
Same with us Insure and Go annual policy, although just renewed and almost changed, we buy their top cover(Black) premium went up from 117 to 157. Also last year we got 17% cashback this year they have stopped cashback.
Looked at loads of other companies, couldn't find any with same level of cover any cheaper, main thing I wanted was 2 laptops and camera covering for 500 each, couldn't find another company to do it, they were all 300-400 cover per item.
If I remember rightly LV looked pretty good with only slightly less cover, their quote was only about 75-80 and they give 10 cashback http://www.quidco.com/lv-travel-insurance/

oceanscape
06-05-2009, 04:45 AM
Don't forget that many bank accounts/credit cards give FREE travel insurance. We get ours included free with our Amex. No need to pay for something you can get free! :goodvibes :thumbsup2

Twilight Terror
06-05-2009, 05:10 AM
Looked at loads of other companies, couldn't find any with same level of cover any cheaper, main thing I wanted was 2 laptops and camera covering for 500 each, couldn't find another company to do it, they were all 300-400 cover per item.


We just got our quote and it's jumped from 160 last year, to 330 this year! :scared1: So, we are looking around. Anyway, I can't get the Insure and Go policy documents to load, so can you answer a question for me Wayne? You say they cover up to 500 for a single item, but what is the total possible payout? Like, say everything ends up getting broke - laptop knocked off table by the maid, and dropping the digital SLR in the park - what's the total they would pay out all holiday/duration of policy? Thanks

wayneg
06-05-2009, 06:32 AM
We just got our quote and it's jumped from 160 last year, to 330 this year! :scared1: So, we are looking around. Anyway, I can't get the Insure and Go policy documents to load, so can you answer a question for me Wayne? You say they cover up to 500 for a single item, but what is the total possible payout? Like, say everything ends up getting broke - laptop knocked off table by the maid, and dropping the digital SLR in the park - what's the total they would pay out all holiday/duration of policy? Thanks

Just spent about 30 mins trying to get the pages to load, updated Adobe reader(had to restart 3 times) still no luck.

Heres the cover for their 5 policies.
1500
1500
2000
2000
2500

That will be per person but can't access the wording to confirm.

Also consider excess if you have to claim, thats another reason I like their top cover
120
60
50
Nil
Nil

Twilight Terror
06-05-2009, 06:45 AM
Just spent about 30 mins trying to get the pages to load, updated Adobe reader(had to restart 3 times) still no luck.

Glad I'm not the only one having trouble accessing the important information - thought it was just my computer/Acrobat Reader, which could have proved interesting for my OU course, since all study guides are PDFs lol

Also consider excess if you have to claim, thats another reason I like their top cover
120
60
50
Nil
Nil

Yeah, I was only ever looking at the top price insurance! If I'm taking insurance out, I generally get the policy that means there are no excess fees to pay, because that's the last thing you need to be worrying about if something is missing/broken/delayed/someone's in hospital! :rotfl:

jen_uk
06-05-2009, 07:14 AM
Dh and I both get free insurance with our banks so we use that :goodvibes

wayneg
06-05-2009, 07:50 AM
Don't forget that many bank accounts/credit cards give FREE travel insurance. We get ours included free with our Amex. No need to pay for something you can get free! :goodvibes :thumbsup2

Dh and I both get free insurance with our banks so we use that :goodvibes

Great if its good cover, I just had a look at Amex, can't find a lot of detail but what I have just found.
Cover for personal belongings(below) lowest I have seen on any policy.
For any one item/pair/set to 150
For valuables in total to 150
Maybe I am reading wrong policy, just make sure you are covered for enough.

anthony2k7
06-05-2009, 08:20 AM
most of the bank accounts / credit cards that offer the insurance are those "Premium" accounts with a monthly cost arent they?

oceanscape
06-05-2009, 09:23 AM
Great if its good cover, I just had a look at Amex, can't find a lot of detail but what I have just found.
Cover for personal belongings(below) lowest I have seen on any policy.
For any one item/pair/set to 150
For valuables in total to 150
Maybe I am reading wrong policy, just make sure you are covered for enough.

:confused3:confused3

This is what we get with Amex

If Your personal belongings,money and travel documents are lost,stolen or damaged,
You will be paid up to:
a)2,000 in total per Trip ;
b)500 for the current value or cost to repair any item,or any pair or set
of items which are complimentary or used together;
c)500 for money and travel documents limited to 50 for children under 16.
3)In an emergency the Insurer can advance You cash up to 2,000.

All the info here - https://www.iplatinum.americanexpress.com/platinum/uk/downloads/SummaryBenefits.pdf

wayneg
06-05-2009, 09:52 AM
:confused3:confused3

This is what we get with Amex



All the info here - https://www.iplatinum.americanexpress.com/platinum/uk/downloads/SummaryBenefits.pdf

Looks fair enough, like I said I was probably looking at wrong one, I couldn't find details of this one. 300/year for the card though, you must gain from other benefits to make it worthwhile.

oceanscape
06-05-2009, 10:02 AM
Looks fair enough, like I said I was probably looking at wrong one, I couldn't find details of this one. 300/year for the card though, you must gain from other benefits to make it worthwhile.
Full concierge service/free airport lounge access/free rental car insurance/airport park discounts/free 90 day insurance (including accidental damage) on all purchases/global assist/very generous membership rewards points system....loads of other stuff too :) well worth it IMHO :goodvibes

I just see the travel insurance as another added bonus :) We easily get the 300 worth.

jen_uk
06-05-2009, 12:26 PM
Great if its good cover, I just had a look at Amex, can't find a lot of detail but what I have just found.
Cover for personal belongings(below) lowest I have seen on any policy.
For any one item/pair/set to 150
For valuables in total to 150
Maybe I am reading wrong policy, just make sure you are covered for enough.

Its ok I don't take anything expensive on holiday! :rotfl2:

Clare D
06-05-2009, 03:20 PM
We have recently changed our house insurance to the Direct Line Home Insurance plus cover and annual travel insurance with winter sports cover is automatically included. It worked out at 27 more than the alternative insurance quote and I thought it was well worth it as the cheapest quote I had was 77 single trip :scared1:

Lizzybear
06-06-2009, 02:08 AM
most of the bank accounts / credit cards that offer the insurance are those "Premium" accounts with a monthly cost arent they?
Indeed! My parents have an account like that with Natwest but I keep trying to get them to switch... They pay in a fair amount each month and I think they could get better value from another bank. You can tell i'm a 'MSE convert' ;)

Anyway, insurance: I've used various providers in the past but never had to claim so can't say how good they are in that respect: Directline in 2007, AA last year and travel-insurance-web this year. I went with a combination of best value and Quidco cashback level versus the coverage we wanted. We only get single trip cover and different sites can be better value for that than the ones that are for annual.

starrysky
06-06-2009, 10:30 AM
We have recently changed our house insurance to the Direct Line Home Insurance plus cover and annual travel insurance with winter sports cover is automatically included. It worked out at 27 more than the alternative insurance quote and I thought it was well worth it as the cheapest quote I had was 77 single trip :scared1:

Ditto thought it was a pretty good deal as it covers winter sports as well and that can be VERY expensive cover. Also some places charge a lot more for USA and Canada as well.

Trev
06-07-2009, 12:28 PM
just renewed our annual policy with Direct Travel.
previous (family) policy was for 2 adults+2 kids
eldest ds has now turned 18 so was expecting to have to take out seperate policy for him as family policy only allows 2 adults, however a very pleasant rep (phone) said they would still include him in the family policy and with a 10% discount as well for re-booking the total cost for their Premier insurance package was only 89!!!!

nibbo
06-08-2009, 05:35 AM
We use AA Travel Insurance. Family policy comparable with everyone else cost us about 70 and got 9 cashback with quidco.

mikki.young
06-08-2009, 11:12 AM
Got to watch out on all travel insurance for pre-existing conditions. My dh used to be covered by the free bank one then they changed. Insure and go wouldn't cover the condition but would cover everything else. Now with Direct line who to our surprise were happy to cover the pre-existing stuff (even though it is not something we expect to claim on but could effect what treatment they use for something else) Hopefully the subs won't go up too much this year on renewal!

littlelaura
06-10-2009, 07:13 AM
last yr we used the AA.
i have just done a quote for our hol this yr and it comes to Single Trip Travel Insurance Excluding Excess Waiver 51.90. with excess waiver included 74.24
thats for 2 adults (charged as a couple) and 2 children (free of charge) for 18days