24-Jul Travel Insurance Review

24-Jul Travel Insurance Review

24-Jul Travel Insurance Review

Reviewed by:

I am sure you'll agree with us when we say, it's impossible to find any meaningful or independent reviews of 24/7 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 24-Jul and who underwrites their policies?

**** PLEASE NOTE 24/7 ARE NOT CURRENTLY OFFERING ONLINE TRAVEL INSURANCE ****

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

24 7 Travel is the trading name of a company owned by P J Hayman and Company Ltd. P J Hayman are Travel Insurance Specialists and part of Crispin Speers and Partners, well known in the insurance industry. They also trade under the name Free Spirit travel insurance as well.

24/7 Single trip and Annual Travel policies are currently underwritten by Zurich Insurance Plc.

24/7 offer single trip policies op up to 90 days. Single trip travel insurance policies start from just £6.42 and are available to any one up to the age of 70. Annual multi trip policies cover any number of trips throughout the year and are available to those under the age of 66. 24/7's Diamond Policy as been awarded our four star rating.

24-Jul Travel Insurance Policies are Underwritten By URV, Zurich Insurance

How 24-Jul 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 24/7 Travel Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from 24-Jul Travel Insurance, they are Silver, Platinum, Diamond, we have rated these as follows:-

Rating for Single Trip Silver:

Rating for Single Trip Platinum:

Rating for Single Trip Diamond:

Single Trip Travel Insurance Guide here
24-Jul Travel Insurance Review

Backpacker Policy Ratings Click to Expand

We have reviewed 2 Backpacker Policies from 24-Jul Travel Insurance, they are Premier, Standard, we have rated these as follows:-

Rating for Backpacker Premier:

Rating for Backpacker Standard:

Backpacker Travel Insurance Guide here
24-Jul Travel Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from 24-Jul Travel Insurance, they are Silver, Platinum, Diamond, we have rated these as follows:-

Rating for Annual Silver:

Rating for Annual Platinum:

Rating for Annual Diamond:

Annual Travel Insurance Guide here
24-Jul Travel Insurance Review

Longstay Policy Ratings Click to Expand

We have reviewed 2 Longstay Policies from 24-Jul Travel Insurance, they are Premier, Standard, we have rated these as follows:-

Rating for Longstay Premier:

Rating for Longstay Standard:

24-Jul 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 24/7 Travel Insurance's travel policy wording

1

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

Children means persons up to the age of 17 years old.

2

What are the policy age limits?

At time of purchase:-

Maximum age of 70 for Single Trip (limit of age 60 on family insurance)

Maximum age of 66 for Annual Multi Trip (limit of age 60 on family insurance)

3

What are the policy Trip Duration limits?

Single Trip, Trip Duration up to 90 days.

Annual Trip, Trip Duration is 22 days per trip with Silver cover, and a maximum of 32 days per trip with Platinum and Diamond cover.

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. Winter Sports can be included for 17 days on your Annual Policy.

The policy allows cover for 27 different winter sport activities, including skiing and snowboarding off-piste, as long as you are with a qualified guide.

5

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

A policy may be taken out by just one person, a couple or family and groups of up to 10 individuals. (There is no premium discounts available for groups)

Family cover - means up to two adults aged 60 or under at the date of issue of the policy and up to three of their children, step children or foster children aged 17 or under at the date of issue of the policy. Either adult are insured to travel on their own, as are the children but children must be accompanied by a responsible adult.

Single parent cover - means one adult aged 60 or under at the date of issue of the policy and up to three of his or her children, step children or foster children aged 17 years or under at the date of issue of the policy. The adult is insured to travel on their own, as are the children but children must be accompanied by a responsible adult.

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?

The policy covers 62 sporting and leisure activities as standard. If you wish to take part in a pursuit not listed, you should contact the Insurer direct and they may be able to offer cover.

Make sure any confirmation is in writing.

8

What are the policy Alcohol Exclusion terms?

The policy excludes any claim if you take alcohol whilst on any medication that is known to cause drowsiness, and you generally drinking too much alcohol.

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

Automatically covered under the Platinum and Diamond policy.

10

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

Does not provide any cover for Pre existing medical conditions.

11

What are the policy rules on travelling when pregnant?

Only covers complications during pregnancy, as list of which is in the policy wording.

12

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

The policy excludes any manual work or physical labour of any kind. There is not a definition of manual work in the policy. If you are not sure we recommend contacting the Insurer direct for guidance.

13

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

You will be required to provide original receipts, proof of ownership or valuations for any items lost, stolen or damaged.

14

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

War, Civil Commotion are excluded as well as Terrorism. In the case of Terrorism, this does not apply to claims for medical expenses, hospital benefit, or personal accident.

15

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

Not covered.

16

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

You must be permanently resident in the United Kingdom and registered with a medical practitioner also in the UK.

24-Jul's 'User Friendly' Rating

That's Insurance have reviewed 24-Jul'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 24-Jul 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 24-Jul Travel Policies

We've highlighted Pro's anc Cons for 24-Jul, 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 24/7 Travel Insurance.

  • The diamond policy awarded our four star rating
  • Platinum and Diamond policy automatically include cover for scheduled airline failure
  • Automatic cover for gadgets up to £1,000
  • Does not offer cover or quote for pre-existing medical conditions

What Cover do 24-Jul policies offer.

We've listed below cover levels for policies offered by offered by 24/7 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

    Silver

    Single Trip

    Platinum

    Single Trip

    Diamond

    Single Trip

    Silver

    Annual

    Platinum

    Annual

    Diamond

    Annual

    Premier

    Backpacker

    Standard

    Backpacker

    Premier

    Longstay

    Standard

    Longstay

Primary Cover toggle

  • Policy Excess
    Policy Excess

    200

    100

    50

    200

    100

    50

    75

    150

    100

    150

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    0

    0

    10,000,000

    5,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    1,000

    3,000

    5,000

    1,000

    3,000

    5,000

    0

    0

    2,000

    1,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    0

    20,000

    20,000

    0

    20,000

    20,000

    0

    0

    10,000

    5,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    1,000

    2,500

    3,000

    1,000

    2,500

    3,000

    0

    0

    1,000

    0

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    100

    300

    300

    100

    300

    300

    0

    0

    150

    0

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    100

    400

    400

    100

    400

    400

    0

    0

    150

    0

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    350

    400

    400

    350

    400

    400

    0

    0

    500

    0

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    0

    0

    2,000,000

    1,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    0

    30,000

    50,000

    0

    30,000

    50,000

    0

    0

    10,000

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    1,000

    2,500

    4,000

    1,000

    2,500

    4,000

    0

    0

    1,500

    0

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    0

    1,000

    2,000

    0

    1,000

    2,000

    0

    0

    0

    0

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    400

    400

    400

    400

    400

    400

    0

    0

    200

    200

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    1,500

    4,000

    5,000

    1,500

    4,000

    5,000

    0

    0

    3,500

    3,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    0

    250

    400

    0

    250

    400

    0

    0

    100

    0

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    0

    100

    100

    0

    100

    100

    0

    0

    0

    0

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    0

    1,500

    1,500

    0

    1,500

    1,500

    0

    0

    0

    0

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    500

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    500

    0

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

    N

    N

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

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    Y

    N

Sample Quotes from 24/7 Travel Insurance.

Listed below are some Sample Quotes offered by 24/7 Travel Insurance (or click 'Compare Now' button to compare their quotes with every insurance provider).

Top Picks

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Primary Cover

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How to Buy Travel Insurance from 24/7 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 24-Jul - No Current Discount Codes

Visit 24/7 Travel Insurance's Website and Get a Quotation direct

Customer Reviews of 24/7 Travel Insurance

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We hope that you have found this 24-Jul Travel Insurance Review helpful. If you have experience of 24/7 Travel Insurance, please do leave a Customer Review, these ratings are searchable and will help others make an informed choice.

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