Barrhead Travel Insurance Review

Barrhead Travel Insurance Review

Barrhead 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 Barrhead Travel 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 Barrhead and who underwrites their policies?

QUOTE ME NOW

Barrhead Travel Service Ltd is an Appointed Representative of Rock Insurance Services Limited which is authorised and regulated by the Financial Conduct Authority [FCA].

For 42 years, Barrhead Travel has been helping people to plan their perfect trips. They are the UK’s leading independent British travel agents, with an array of awards to their name. Dedicated to providing the customer with the best prices, impartial advice and the widest variety of holidays, combined with top-notch customer service.

Barrhead Travel Insurance offers different levels of cover to suit different needs. Choose from Single trip or annual travel, including optional extras like cruise and golf cover, gadget, wedding and business cover. Choose from standard, premier and premier plus cover. Single trips start from as little as £9.95 and annual policies from £30.55.

Barrhead Travel Insurance Policies are Underwritten By Travel Insurance Facilities

How Barrhead 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 Barrhead Travel.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from Barrhead Travel Insurance, they are Standard, Premier, Premier Plus, we have rated these as follows:-

Rating for Single Trip Standard:

Rating for Single Trip Premier:

Rating for Single Trip Premier Plus:

Single Trip Travel Insurance Guide here
Barrhead Travel Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Backpacker Travel Insurance Guide here
Barrhead Travel Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from Barrhead Travel Insurance, they are Standard, Premier, Premier Plus, we have rated these as follows:-

Rating for Annual Standard:

Rating for Annual Premier:

Rating for Annual Premier Plus:

Annual Travel Insurance Guide here
Barrhead Travel Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Barrhead 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 Barrhead Travel's travel policy wording

1

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

Your dependents who are under the age of 18 and in full time education.

2

What are the policy age limits?

At time of purchase:-

Single Trip Policies: 79 years or under.

Annual Multi-Trip policies: 79 years or under.

Winter Sports: available if you are aged 65 or under.

3

What are the policy Trip Duration limits?

Single Trip, Trip Duration is up to 365 days if you are aged 64 or under, beginning and ending in your home area.  Barrhead will only cover you for up to 31 days for each trip if you are aged 65 or over. 

Annual Trip, Trip Duration allows you to travel as many times as you like during any one period of insurance, as long as no single trip lasts longer than 31 days.  If you are aged 65 or under you can increase this to 62 days with the payment of an additional premium.

4

What does the policy offer for Winter Sports cover?

The Winter sports option (Activity Pack 3) allows you to take part in 26 different activities as standard, such as off piste skiing or snowboarding with a guide, snow parascending and Nordic cross country skiing.

If you wish to have a go at more extreme winter sports, these can also be catered for in activity packs 4 - 8, pursuits like ski mountaineering up to 6,000 metres (acitivty pack 8), Snow Kiting (Activity Pack 5) and off-piste skiing and snowboarding without a guide (Activity pack 6).

5

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

A Barrhead policy can be taken out by a single person, couples (who are living together), Families consisting of one or two adults and up to four dependent children.

Policies can also be taken out by groups of up to 12 persons, who are travelling together to the same destination, although there is not premium benefit.

6

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

The European Health Insurance Card is strongly recommended by Barrhead Travel, when visiting European countries including Switzerland. The EHIC allows you to take advantage of reciprocal health agreements with those countries.

The policy states that if the card is used when receiving medical treatment and the costs are reduced as a result, any excess will be waived.

If you are travelling to Australia, you must register with a medicare centre on arrival.

7

What is covered under Sports and Activities on the policy?

The policy covers over 100 different activities as standard, listed in activity pack one.  A further 270 different pursuits are split into acitvity packs two - eight according to their risk. For example you can opt to go sand Yachting covered in activity pack 2 or Alligator wrestling and Ice diving cvoer in activity pack 8.

The more extreme the sport/activity, the higher the activity pack required and the higher the additional premium.

8

What are the policy Alcohol Exclusion terms?

All policies exclude claims that relate to the consumption of alcohol, however the policy does specify an acceptable limit which is a blood alcohol level lower than 0.19%, the equivalent to four pints or four 175ml glasses of wine.

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

Not Covered

10

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

All Pre existing medical conditions are excluded under the policy, however you do have the option to phone their Medical Declaration line and obtain cover for any conditions. An increased premium or excess may be required and you have fourteen days to pay any additional premium.

You should be aware that they are unable to provide cover for any claim arising from a pre existing medical condition, from any person insured on the policy, a non travelling close relative, a person you are intending to stay with, or a business associate or friend, that has not been declared to the Insurer prior to travelling.

Worried about taking your medication abroad? Read our latest guide.

11

What are the policy rules on travelling when pregnant?

Policies include emergency medical expenses in respect of pregnancy weeks zero to 28 whilst you are away. From Week 29 - week 40, there is no cover for normal pregnancy, unless there is a complication which is listed 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 manual labour which is defined as any work involving the lifting or carrying of items in excess of 25kg, any work at a level higher than two storeys or any form of underground work.

13

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

The policy states that any item with a value of more than £50, must be supported by original proof of ownership or purchase.

Any item that is not supported by acceotable proof will be settled at a maximum of £50 and subject to a limit of £150 for all items.

14

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

War and Terrorism are excluded under all policies, with the exception of claims for emergency medical expenses.

15

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

The Premier Plus policy provides a small amount of cover as standard, however a more comprehensive cover against natural disaster and catastrophe can be purchased as an option.

16

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

Policies are only available to those resident in the United Kingdom and Channel Islands

Barrhead's 'User Friendly' Rating

That's Insurance have reviewed Barrhead'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 Barrhead 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 Barrhead Travel Policies

We've highlighted Pro's anc Cons for Barrhead, 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 Barrhead Travel.

  • Winter Sports includes 26 different activities as standard (subject to payment of the winter sports premium)
  • No facility to underwrite existing medical conditions online at the point of sale (conditions can be added by phone)

What Cover do Barrhead policies offer.

We've listed below cover levels for policies offered by offered by Barrhead Travel 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

    Standard

    Single Trip

    Premier

    Single Trip

    Premier Plus

    Single Trip

    Standard

    Annual

    Premier

    Annual

    Premier Plus

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    125

    100

    75

    125

    100

    75

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    3,000,000

    5,000,000

    10,000,000

    3,000,000

    5,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    1,000

    2,000

    5,000

    1,000

    2,000

    5,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    10,000

    25,000

    25,000

    10,000

    25,000

    25,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    750

    1,000

    2,000

    750

    1,000

    2,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    100

    150

    300

    100

    150

    300

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    100

    150

    300

    100

    150

    300

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    100

    100

    200

    100

    100

    200

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    1,000,000

    2,000,000

    2,000,000

    1,000,000

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    15,000

    25,000

    25,000

    15,000

    25,000

    25,000

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    500

    500

    500

    500

    500

    500

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    250

    250

    500

    250

    250

    500

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    2,500

    2,500

    2,500

    2,500

    2,500

    2,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    100

    150

    150

    100

    150

    150

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    100

    200

    200

    100

    200

    200

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    500

    750

    1,000

    500

    750

    1,000

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    150

    150

    300

    150

    150

    300

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    200

    200

    300

    200

    200

    300

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    300

    300

    500

    300

    300

    500

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Wedding
    Wedding Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

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

    N

    N

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

Sample Quotes from Barrhead Travel.

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

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Europe

Couple

Age: 65 - 70

Trip Days: 14

Barrhead Travel Insurance Review
That's Insurance Rating

Customer Rating

Premier Plus

75

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 200

Baggage 2,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Single Trip

Europe

Individual

Age: 18 - 29

Trip Days: 21

Barrhead Travel Insurance Review
That's Insurance Rating

Customer Rating

Premier

100

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 2,000

Missed Departure 750

Delayed Departure 200

Baggage 1,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Single Trip

Worldwide (Excluding USA & Canada)

Individual

Age: 60 - 64

Trip Days: 7

Barrhead Travel Insurance Review
That's Insurance Rating

Customer Rating

Premier

100

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 2,000

Missed Departure 750

Delayed Departure 200

Baggage 1,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide

Family

Age: 18 - 29

Trip Days: 365

Barrhead Travel Insurance Review
That's Insurance Rating

Customer Rating

Premier Plus

75

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 200

Baggage 2,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide

Individual

Age: 50 - 59

Trip Days: 365

Barrhead Travel Insurance Review
That's Insurance Rating

Customer Rating

Premier

100

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 2,000

Missed Departure 750

Delayed Departure 200

Baggage 1,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide (Excluding USA & Canada)

Couple

Age: 65 - 70

Trip Days: 365

Barrhead Travel Insurance Review
That's Insurance Rating

Customer Rating

Premier

100

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 2,000

Missed Departure 750

Delayed Departure 200

Baggage 1,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

How to Buy Travel Insurance from Barrhead Travel

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 Barrhead - No Current Discount Codes

Visit Barrhead Travel's Website and Get a Quotation direct

Customer Reviews of Barrhead Travel

No Customer Reviews Found

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

Our Top Ten Tips for Travelling with Medical Conditions

Our Top Ten Tips for Travelling with Medical Conditions

Travelling with medical conditions can be daunting. Not only should you plan ahead for any drugs ...

Primera Air Collapses Passengers left stranded and out of pocket

Primera Air Collapses Passengers left stranded and out of pocket

Primera Air a short haul budget airline which had started to provide cheap long haul flights to ...

ABTA warning to Holidaymakers – Our ten tips for safer travel

ABTA warning to Holidaymakers – Our ten tips for safer travel

ABTA have issued a warning to holidaymakers, not to travel abroad without travel insurance. Their ...

Taking medication abroad in 2018

Taking medication abroad in 2018

If you are planning a foreign holiday this year and suffer from an illness or  medical condition, ...



Download the App

Download Thats Insurance App on Itunes Download Thats Insurance App on Google Play

Compare Travel Insurance

How to use this table: Search for the policy by price, rating or name from the table below. Click on the right hand column to get more information and quote.