1Stop Travel Insurance Review

1Stop  Travel Insurance Review

1Stop Travel Insurance Review

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I am sure you'll agree with us when we say, it's impossible to find any meaningful or independent reviews of 1Stop Travel Insurance plus compare prices and cover on the same site.

And you'd be right! Because that's exactly what we found.

Once you have read this review and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are 1Stop and who underwrites their policies?

**** PLEASE NOTE ONE STOP TRAVEL INSURANCE NO LONGER OFFER ONLINE TRAVEL INSURANCE ****

**** CLICK HERE TO COMPARE OTHER TRAVEL INSURANCE POLICIES ****

One Stop Travel Insurance provide cover for Single Trip, Annual Multi-Trip, Backpacker, with cover extensions for Winter Sports, Cruise, Business, Wedding and Golf Insurance.  Travel insurance for a Single Trip policy starts at under £8.00. One Stop Travel Insurance's call centre is open 7 days which is useful if you need to book your travel insurance over the weekend and need to talk to someone about it.

One Stop Travel Insurance is a trading style of the AA (Automobile Association). In simple terms that means, 1 Stop Travel is the trading name - but is essentially run by the AA. As with a lot of Travel Insurers the underwriters of the policies change from year to year. As a company manages to negotiate a better deal, it changes the Insurance Underwriter. Currently the travel policies are underwritten by CIGNA EUROPE Insurance Company. So you have the backing of a large well known Insurer.

The One Stop Travel Insurance policy document is 52 pages long - and as with all policy documents - should be read before you purchase your travel insurance, however, here at That's Insurance we realise that it's not realistic for you to read every policy document, cover to cover, of policies that you are considering.  Our review of 1Stop Travel Insurance highlights some important information that you should definitely know about, some example quotes, pro's and con's and Thats Insurance Star Ratings for their policies.

1Stop Travel Insurance Policies are Underwritten By Cigna Insurance Services (Europe)

How 1Stop Travel Insurance's Policies have been ranked using our star rating formula?

Click on the blue bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by 1Stop Travel Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 1 Single Trip Policies from 1Stop Travel Insurance, they are Single Trip, we have rated these as follows:-

Rating for Single Trip Single Trip:

Single Trip Travel Insurance Guide here
1Stop Travel Insurance Review

Backpacker Policy Ratings Click to Expand

We have reviewed 1 Backpacker Policies from 1Stop Travel Insurance, they are Backpacker, we have rated these as follows:-

Rating for Backpacker Backpacker:

Backpacker Travel Insurance Guide here
1Stop Travel Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 1 Annual Policies from 1Stop Travel Insurance, they are Annual Trip, we have rated these as follows:-

Rating for Annual Annual Trip:

Annual Travel Insurance Guide here
1Stop Travel Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

1Stop Travel Insurance Review
  • Five star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Cancellation cover is above the level of the market average
  • Other Core Sections of cover are either at or above the levels of the market average.
  • Secondary sections of cover are either at or above the levels of the market average.
  • Five star policies provide additional cover benefits over and above standard policies.
  • Five star policies include scheduled airline and/or end supplier failure as standard.
  • Five star policies include natural catastrophe cover, either as standard, or as an option.
  • Premiums are the most competitive in relation to the cover provided.
  • Have clear and consumer friendly, policy wording and explanations of cover.
  • The alcohol exclusion is more customer friendly than the market average.
  • The standard excess is below the level of the market average.

  • Four star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Four star policies have cancellation cover at or above the market average.
  • Four star policies may have a maximum of one core and one secondary section, or two secondary sections of cover lower than the market average or the excess may be above the market average.
  • Four star policies may provide additional cover benefits.
  • Four star policies may not automatically include cover for scheduled airline or end supplier failure.
  • Premiums are competitive in relation to the cover provided.
  • Have clear and consumer friendly policy wording and explanations of cover.

  • Three star policies cover all Primary (core) Sections, but may not offer baggage and money cover as standard.
  • Three star policies have some core covers lower than the market average, or up to one secondary sections of cover missing.
  • Three star policies may have some secondary covers lower than the market average.
  • Three star policies may not provide scheduled airline/end supplier failure cover, or only offer it as an option.
  • The Insurer, may not provide quotations across the full range of scenarios tested.
  • The standard excess may be higher than the market average.

  • Two star policies generally provide cover that is below the market average and/or have Primary (core) and Secondary sections of cover missing from their policies.
  • Two star policies may not offer baggage/money cover.
  • Premiums tend to be much lower than the market average due to the low levels of cover provided.
  • The Standard Excess is higher than the market average.
  • The Insurer may not provide quotation across the full range of scenarios tested
  • Policy wordings may not be as consumer friendly as other Insurers

16 Key Points you need to know about 1Stop Travel Insurance's travel policy wording

1

What is the age/classification of a child on the policy?

Children are persons aged up to 17 years.  They are covered free of charge on Single Trip policies bought online when travelling with a parent or guardian living at the same address.

2

What are the policy age limits?

At time of purchase:-

Maximum age of 66 for Single Trip

Maximum age of 66 for Annual Multi Trip

Maximum age of 45 for Backpacker Insurance.

3

What are the policy Trip Duration limits?

Single Trip, Trip Duration up to 365 days. Annual Trip, Trip Duration is 45 days per trip.

Backpacker Policies for trips up to one year including one return home trip for 14 days without voiding your policy.

4

What does the policy offer for Winter Sports cover?

Winter Sports can be added with the payment of an additional premium on your Single Trip Policy. The policy states Winter Sports can be included for 17 days on your Annual Policy, provided you are aged 65 or under. However the website states it is 31 days, so we recommend checking.

The policy only lists activities not covered, including off-piste skiing or snowboarding, unless accompanied by a locally qualified guide. skiing against local authoritative warning or advice, ski stunting, free-style skiing, ice hockey, bobbing, tobogganing, heliskiing, ski acrobatics, ski flying, ski jumping, ski mountaineering, skiracing, snow scooting, snow biking, snow mobiling, snowcat skiing, snow carting or the use of bob sleighs, luges or skeletons.

Bum boarding, snow mobiling, ski biking, snow tubing can be included if you select the winter sports upgrade option.

5

What is classed as a family and how many people can be quoted for?

A policy can be taken out by a single person, a couple or a family.

Family Travel means Two adults (or single parent family) and up to 4 dependent children (under the age of 18, or under the age of 23 and in full time education) who all reside together.

There is no provision for insuring more than one indvidual under the same policy.

6

What are the policy rules on reciprocal health agreements (EHIC, Medicare)?

EHIC not Mandatory but strongly advised if travelling to the EU.  If you are travelling to Australia you should register with Medicare if requiring treatment.

7

What is covered under Sports and Activities on the policy?

Check the policy schedule, activities are listed as Grade 1 and 2 plus Winter Sports. There are over 70 activities listed as included in Grade 1. Activities are starred * if they exclude cover for Personal Liability or Personal Accident.

If you intend to take part in an activity not listed, we would recommend that you obtain permission in writing and pay any additional premium to ensure that you are covered. 

8

What are the policy Alcohol Exclusion terms?

Policy states cover is excluded for “You drinking too much alcohol or alcohol abuse where it is reasonably foreseeable that such consumption could result in an impairment of Your faculties and/or judgement resulting in a claim. We do not expect You to avoid alcohol on Your Trips or holidays, but We will not cover any claims arising because You have drunk so much alcohol that Your judgement is seriously affected and You need to make a claim as a result.”

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

Third Party Supplier Insolvency covered as standard up to £2,000 Not covered under the backpacker policy

10

Does the policy cover Pre-Existing Medical Conditions and can I get a quote online?

Pre-existing conditions can be considered and quoted for online. You should complete the online screening questionnaire.  Please ensure that all pre-existing conditions are declared and that you have agreement in writing that your conditions are covered.  Find out more about taking medication abroad

11

What are the policy rules on travelling when pregnant?

Insurance Provider states you are only covered for complications arising from pregnancy.  Whilst the Insurance Provider does not state this, in general policies do not consider normal pregnancy a complication and so you would not be covered for a normal birth.  You would be covered should complications arise though.

12

Will I be covered if I want to do Manual Work or Bar Work or other work while I am on holiday?

Manual Labour is excluded for this policy.  However, listed in Activities you may participate in Manual work (bar and restaurant, waitress, waiter, chalet maids, au pair, nanny and occasional light manual work including retail work and fruit picking but excluding the use of power tools and machinery)+

If your plan is for specific work, it is always best to contact the insurance provider and obtain written acceptance that your planned type of work is allowed under the policy.

13

Do I need original receipts for lost baggage if I need to claim on the policy?

Original receipts for items delayed, lost, stolen or damaged are required to substantiate your claim.

It would be sensible to keep receipts of any new clothes/property purchased for your holiday. If in doubt as to whether you have cover for a specific item, please contact the Insurance Provider for clarification prior to taking out insurance.

14

What does the policy cover in the event of war, terrorism or cyber attack?

Cover is excluded for any claim arising as a result of “War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, Terrorism, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power but this exclusion shall not apply to losses under section B - Emergency medical and other expenses, section C - Hospital benefit and section D - Personal accident unless such losses are caused by nuclear, chemical or biological attack, or the disturbances were already taking place at the beginning of any Trip”.

15

Does the policy cover for a natural disaster or catastrophe when I am on holiday?

Covered on Single Trip or Annual Trip Policy up to level stated. Not Covered on Backpacker Policy.

16

Do I have to be a UK resident to be covered under this policy?

This policy is only available to You if you and all others to be insured are UK residents and have not yet started your trip.

1Stop 's 'User Friendly' Rating

That's Insurance have reviewed 1Stop 's Policy Wording, Website and Quote System and given each a 'User Friendly' rating. This will tell you how easy it is for you, to read, navigate and purchase policies on their website. We've split this into three gauges which show where 1Stop rates compared to the average Insurance Provider on our site. The higher the percentage, the easier you should find it to navigate each of these areas.

Policy

(plain english, easy to follow & understand)

Policy Guage Score Loading

Website

(user friendly, easy to navigate and find help)

Website Guage Score Loading

Quote System

(speed, ease of use, flow and display of cover)

Quotes Guage Score Loading

Pro's and Con's for 1Stop Travel Policies

We've highlighted Pro's anc Cons for 1Stop , click on the blue bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by 1Stop Travel Insurance.

  • A single trip can be taken out for up to 12 months
  • Annual policies allow for individual trips of up to 45 days as standard
  • Third Party Supplier Insolvency covered as standard
  • Pre existing medical conditions can be included and underwritten online during the quotation process
  • 20% discount for buying online
  • Children travel free under single trip policies
  • No cover for groups of more than one individual
  • £100 standard excess

What Cover do 1Stop policies offer.

We've listed below cover levels for policies offered by offered by 1Stop Travel Insurance To scroll through all policies, click on the arrows on the left and right of policy name section.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Single Trip

    Single Trip

    Annual Trip

    Annual

    Backpacker

    Backpacker

Primary Cover toggle

  • Policy Excess
    Policy Excess

    100

    100

    100

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    10,000,000

    3,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    5,000

    5,000

    2,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    25,000

    25,000

    10,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    1,500

    1,500

    1,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    250

    250

    150

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    250

    250

    150

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    500

    200

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    25,000

    25,000

    25,000

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    600

    600

    0

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    200

    200

    200

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    5,000

    5,000

    5,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    150

    150

    0

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    300

    300

    0

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,000

    1,000

    800

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    100

    100

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    2,000

    2,000

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    1,000

    1,000

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    500

    500

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    400

    400

    0

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    Y

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    Y

    Y

    Y

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    N

  • Business
    Business Explanation
    Cover Type Icon

    Y

    Y

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    Y

    Y

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    Y

    N

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    Y

    Y

    N

Sample Quotes from 1Stop Travel Insurance.

Listed below are some Sample Quotes offered by 1Stop Travel Insurance (or click 'Compare Now' button to compare their quotes with every insurance provider).

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

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How to Buy Travel Insurance from 1Stop Travel Insurance

Click on the website link to go directly to the insurance providers website, alternately click the button to compare all policies now from all providers.

Current Discount Codes for 1Stop - No Current Discount Codes

Visit 1Stop Travel Insurance's Website and Get a Quotation direct

Customer Reviews of 1Stop Travel Insurance

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We hope that you have found this 1Stop Travel Insurance Review helpful. If you have experience of 1Stop Travel Insurance, please do leave a Customer Review, these ratings are searchable and will help others make an informed choice.

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