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If you’re planning a holiday with friends, or a family trip away, it might be easier to get your travel insurance under a group policy. After all, not being properly insured could mean paying unnecessary fees if you suffer travel delays, lost luggage or a medical emergency.
Although there’s more people to look out for one another when travelling as a group, there’s also more people at risk. Having proper group travel insurance is important and can give you peace of mind that help is there if the worst happens.
Having a group policy would make sure that if a travelling companion has a medical emergency that causes a cancellation of your trip, you would be covered too.
We understand that travelling with multiple people can mean more organising and hassle, but with a group policy we make it that bit easier. You’ll get the same quality travel insurance as a single policy, all while making sure everyone is covered properly.
With travel advice changing so quickly, it’s important you keep up-to-date with travel advice.
Before you travel, you’ll need to know:
We want you to have a safe and relaxing holiday. If you travel against government advice and don’t have the European FCDO Travel Advice Extension, you won’t be covered if you need to claim. Even if advice changes while you’re on holiday, you won’t be covered if your destination was listed as unsafe when you travelled.
Find out how your travel insurance policy can cover you for coronavirus.
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Data covers 2005 to 2020You can declare your medical conditions through our online medical screening process, which is a straightforward set of questions for us to understand how your medical condition affects you. Or, if you prefer, you can complete the medical screening over the phone.
It’s important that all pre-existing medical conditions are declared on your policy.
This will avoid large medical bills if you need treatment in another country. Failure to disclose any pre-existing medical conditions may affect the validity of your policy should you need to claim.
| Basic | Comprehensive |
|---|---|
| Medical emergencies and repatriation | |
| Up to £5 million | Unlimited |
| Cancellation | |
| Up to £500 | Up to £5,000 |
| Cutting your holiday short | |
| Up to £500 | Up to £5,000 |
| Baggage claims | |
| Up to £300 | Up to £2,500 |
| Cash lost or stolen | |
| Up to £250 | Up to £500 |
| Personal liability | |
| - | Up to £2 million |
| Legal protection cover | |
| - | Up to £25,000 |
| End Supplier Failure | |
| - | £3,000 |
| Excess | |
| £85-£100 | £65 |
Tailor your policy to suit your needs. Not all holidays are created equal, so whether you’re hopping over to Paris for a weekend, or planning an epic worldwide tour, you’ll want to tailor your policy to cover you properly.
Before you take out a policy with us, it’s worth thinking about the areas where you might need to upgrade your level of cover.
| Basic | Comprehensive | |
|---|---|---|
| Medical emergencies and repatriation | Up to £5 million | Unlimited |
| Cancellation | Up to £500 | Up to £5,000 |
| Cutting your holiday short | Up to £500 | Up to £5,000 |
| Baggage claims | Up to £300 | Up to £2,500 |
| Cash lost or stolen | Up to £250 | Up to £500 |
| Personal liability | - | Up to £2 million |
| Legal protection cover | - | Up to £25,000 |
| End Supplier Failure | - | £3,000 |
| Excess | £85-£100 | £65 |
Tailor your policy to suit your needs. Not all holidays are created equal, so whether you’re hopping over to Paris for a weekend, or planning an epic worldwide tour, you’ll want to tailor your policy to cover you properly.
Before you take out a policy with us, it’s worth thinking about the areas where you might need to upgrade your level of cover.
We cover a number of activities as standard with all our policies we can also offer optional additional cover for Winter Sports and golf.
Yes, if you’re going on a cruise, you must declare it on your travel insurance. You can also choose the optional Cruise Plus add-on, which is only available on a Comprehensive Travel Insurance policy, for additional benefits.
To make sure we can cover each person travelling, you must make sure everyone can say yes to the following:
✔ I am medically fit to travel
✔ I am not travelling to receive medical treatment.
If you say no to any of the above, we will unfortunately not be able to cover the individual with your group policy.
If this is the case, we would suggest contacting the British Insurance Brokers Association (BIBA) to help find you appropriate cover.
If an emergency crops up when you’re away and you need to contact us for help, anybody can call our 24 emergency support team.
If you need to talk to us about your group policy, you’ll either need the key account holder’s details, or you will need to have given permission for other members of your party to speak on your behalf when buying your group policy. You can give this permission by contacting customer services or by letting us know when you’re buying your policy over the phone.
We define a group as up to 30 people who are travelling together who may live at different addresses. If you're booking travel insurance for your family - which include any grown-up children over the age of 18, then you would also need to book a group policy.
A family policy only applies when there are two adults and children under the age of 18 travelling who live at the same address.
To buy your group policy online, select the 'other' option when prompted about who you need the cover for. You can cover up to nine people at a time online, or up to 30 when you call us.
Whenever you need us, our 24/7 claims team is here for you.
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