Travel Insurance suggestions needed?

[Cyrano]

Have been doing a few on-line enquiries for our summer trip and noticed that premiums have rocked since last year.
For 2011 with Columbus and DD's infrequent asthma declared as a medical condition we were £160. Quote for 2012 is coming in at £430.

Looked at AA which comes out at £260. However they are underwritten by AXA and I recall that folk had trouble with them during the last ash cloud crisis .

Looking for recommendations for best deals and also who to avoid?

 

[wayneg]

Each condition is treated differently, DW's mild high blood pressure affects quotes from some companies, not from others. You just have to try as many as you can. M&S are very reputeable, supposed to be good with claims but their premium doubled for us last year so moved to Columbus, give them a try you never know.
Insurance is probably the least enjoyable part of trip planning for me, I don't trust any of them.

 

[ChipnDaleRule]

When i took out my Travel Insurance a few weeks ago a used this site to help me http://www.which.co.uk/money/insurance/reviews-ns/travel-insurance/worldwide-single-trip-insurance/

 

[LeaversOnTour]

My Hubbie has Asthma and we have Insurance with Insure and Go - On top of the normal premium we got charged about £8.00 - If it is well controlled and he has has no more than 2 meds for it, not been hospitalised recently etc then cover for the add condition is normally pretty cheap.

They also have an "add on" which is called travel disruption which i believe covers for ash clouds etc.

As with all policies there are terms and conditions but what insurance doesnt.

 

[wayneg]

I was with Insure & Go when we were stuck with ashcloud, they wouldn't pay out for anyone. Maybe they have changed but not sure I can trust them again.

 

[Cyrano]

Each condition is treated differently, DW's mild high blood pressure affects quotes from some companies, not from others. You just have to try as many as you can. M&S are very reputeable, supposed to be good with claims but their premium doubled for us last year so moved to Columbus, give them a try you never know.
Insurance is probably the least enjoyable part of trip planning for me, I don't trust any of them.

I agree Wayne it is the inconsistency with the quotes and worries over having to actually claim that draws my suspicion.

When i took out my Travel Insurance a few weeks ago a used this site to help me http://www.which.co.uk/money/insurance/reviews-ns/travel-insurance/worldwide-single-trip-insurance/

Thanks. Will have a look at this and do some dummy quotes

 

[madmumof2]

We don't have any medical issues so ours was cheaper, but I just bought mine with AA via quidco. They do a kids free deal so for our two week holiday it cost £60 - 20% quidco cashback totalling £48! Bargain

 

[Cyrano]

We don't have any medical issues so ours was cheaper, but I just bought mine with AA via quidco. They do a kids free deal so for our two week holiday it cost £60 - 20% quidco cashback totalling £48! Bargain

That is a good deal. I could not get a quote via quidco and for the 5 of us our AA quote was £260.
Mind you when I heard that it was with AXA insurance I was less than impressed since they let down many customer due to the previous ash cloud disruptions.

 

[orangetiggs]

We use atlas direct and get annual for about 50 for the family

Last year they covered the ash as long as we it wasnt known when we took out policy

 

[madmumof2]

That is a good deal. I could not get a quote via quidco and for the 5 of us our AA quote was £260.

Really? I wonder why ours was so cheap, we're a 5 as well but the 3 kids were free?

Mind you when I heard that it was with AXA insurance I was less than impressed since they let down many customer due to the previous ash cloud disruptions.

Was this the case with a lot of insurance companies though? I remember the uproar because hardly anyone was paying up due to the reason?

 

[scottish mum]

in the past we have used Tesco and Virgin money. My ds has asthma but it is controlled and they covered him with no extra premium. I never had to claim though so can't tell you how good they were

 

[dixonsontour]

We went through top dog this year - just had to pay a top up for me as I have a breathing condition (trachael stenosis).

Been with post office in the past.

Always have fun sorting annual insurance - (DH says we are a family of demics!)

 

[Mouskavik]

Have you tried a quote directly from Aviva? I work for them, so fair enough, I get a discount, but try a quote for annual travel insurance - it can work out cheaper than single trip insurance.