Different Types of Travel Insurance
In addition to the variety of different types of UK travel insurance available there are also a number of policies available to different applicants. You will need specialist cover depending on whether you are travelling on your own, as part of a couple or family or whether you are going on a business trip. Follow the links below to find out which category you fall into.
- Individual
If you are travelling by yourself or with a group of people who are independent of each other then you will need to purchase an individual travel insurance UK policy. An individual travel insurance policy will be able to cater precisely for your personal needs, enabling you to get the exact cover you need.Remember that tour operators can no longer oblige customers to purchase travel insurance with their holiday. Shop around instead and find the best cover at the best price.
- Couple
If you and a partner are travelling together then you could both save yourselves money by purchasing a joint travel insurance policy. You will make savings on the cost of two individual travel insurance policies in this way, whilst still enjoying the same level of cover. Individual travel insurance companies will have their own views on what exactly constitutes a 'couple', but usually these regulations are fairly flexible, simply stating that the pair must reside at the same address together. Many travel insurance companies today cater for gay and lesbian couples as well as their heterosexual counterparts. If you are planning on purchasing a joint travel insurance policy then be sure to check whether or not you and your partner will still be covered if you decide to travel separately. See whether the policy fits your needs before you go ahead and buy.
- Family
Families travelling together on holiday could save money by purchasing a family insurance policy. This type of policy could be better value for your money but it is worth checking whether or not the various members of your family will still remain covered by the policy if they break off and travel by themselves. Some companies will provide cover for limitless amounts of children, whilst others will impose restrictions on the amount of offspring to be included on a policy. Make sure you check whether or not a policy will cover your entire family before you make the decision to purchase.
- Business
If you are planning to involve yourself in business matters whilst you are away, even if this will only be a small part of a longer holiday, then you will need to procure specialist business travel insurance UK. Most regular insurance policies will not cover you for business matters and you are likely to find yourself underinsured if you refrain from purchasing business insurance before you go. Be sure to make your travel insurance provider aware of your business needs and get sufficient cover for your needs.