who do you use for travel insurance?

Discussion in 'UK Trip Planning Forum' started by anthony2k7, Jun 5, 2009.

  1. anthony2k7

    anthony2k7 DIS Veteran

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    who do you use? what has their price and service been like?
     
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  3. Disbabe

    Disbabe DIS Veteran

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    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:
     
  4. wayneg

    wayneg Moderator Moderator

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    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/
     
  5. oceanscape

    oceanscape DIS Veteran

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    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
     
  6. Twilight Terror

    Twilight Terror DIS Veteran

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    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
     
  7. wayneg

    wayneg Moderator Moderator

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    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
     
  8. Twilight Terror

    Twilight Terror DIS Veteran

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    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

    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:
     
  9. jen_uk

    jen_uk <font color=6666cc>Eurovision Nut !!<font color=33

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

    wayneg Moderator Moderator

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    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.
     
  11. anthony2k7

    anthony2k7 DIS Veteran

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    most of the bank accounts / credit cards that offer the insurance are those "Premium" accounts with a monthly cost arent they?
     
  12. oceanscape

    oceanscape DIS Veteran

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    :confused3:confused3

    This is what we get with Amex

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

    wayneg Moderator Moderator

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  14. oceanscape

    oceanscape DIS Veteran

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    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.
     
  15. jen_uk

    jen_uk <font color=6666cc>Eurovision Nut !!<font color=33

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    Its ok I don't take anything expensive on holiday! :rotfl2:
     
  16. Clare D

    Clare D Minnie Mania

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    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:
     
  17. Lizzybear

    Lizzybear <font color=purple>You fool! You gave cheese to a

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    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.
     
  18. starrysky

    starrysky DIS Veteran

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    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.
     
  19. Trev

    Trev Earning My Ears

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    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!!!!
     
  20. nibbo

    nibbo Mouseketeer

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    We use AA Travel Insurance. Family policy comparable with everyone else cost us about £70 and got £9 cashback with quidco.
     
  21. mikki.young

    mikki.young Knows Dreams do come true!

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    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!
     

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