Barrhead Travel Insurance Review

Barrhead Travel Insurance Review

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With the Brexit deadline almost upon us and the current coronavirus pandemic, choosing the right Travel Insurance have never been more essential. The wrong choice now could have disastrous repercussions if you have to claim whilst abroad.

Comparing numerous policy terms and conditions can be daunting as well as time consuming. Our independent rating and review highlights the important points we think you should know about when choosing your next travel insurance policy.

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

Who are Barrhead Travel Insurance

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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.

How to Buy Travel Insurance from Barrhead Travel

Click on the website link to go directly to the insurance providers website. Visit Barrhead Travel's Website and Get a Quotation direct

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

Click on the white 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 - Premier - Premier Plus - Standard. We have rated these as follows:-

Rating for Single Trip Premier:

Rating for Single Trip Premier Plus:

Rating for Single Trip Standard:

Barrhead Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Barrhead Backpacker Insurance Review

Annual Policy Ratings Click to Expand

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

Rating for Annual Premier:

Rating for Annual Premier Plus:

Rating for Annual Standard:

Barrhead Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Barrhead Longstay 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

Key Points you need to know about Barrhead Travel's 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 are the options 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. What are the requirements, if I need to claim for lost, damaged or stolen baggage?

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 natural disaster or catastrophe before and during my 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 Travel's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on barrhead-travel-insurance-review's website. The policy wording, website, customer service/buying process have been carefully reviewed and each section awarded a user friendly score, which you can see below.

Policy wording - Marks are awarded for Layout, Readability ,Terminology, Communication and Appropriate information.

Website - Marks are awarded for Layout/Navigation, Access to important information e.g. policy wordings, Clear Explanation/Comparison of policies, including limitations, Frequently asked questions.

Customer Service – Marks are awarded for the Buying process, Customer Service, Clear Quotations, Access to important information/Comparison of quotes.

The scores have been calculated as an overall percentage and shown on the three gauges. You can see how Barrhead compares to the industry average. The higher the percentage the better the company performs in each area.

Policy Wording

(layout, readability, terminology)

Awaiting user friendly score

Website

(layout, navigation, access to information)

Awaiting user friendly score

Customer Service

(clear quotes, buying process, customer service)

Awaiting user friendly score

Pro's and Con's for Barrhead Policies

We've highlighted Pro's and Cons for Barrhead, click on the white 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 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

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • 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

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    10,000

    25,000

    25,000

    10,000

    25,000

    25,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    100

    100

    200

    100

    100

    200

  • 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

  • Gadget Cover
    Gadget 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

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

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

    0

    0

    0

    0

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    300

    300

    500

    300

    300

    500

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • 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

Barrhead Travel Insurance

Sample Quotes from Barrhead Travel.

Listed below are some Sample Quotes offered by Barrhead Travel

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide

Family

Age: 18 - 29

Trip Days: 14

Barrhead Travel Insurance Review
Product Rating

Experience Rating

Premier Plus

75

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

Worldwide (Excluding USA & Canada)

Individual

Age: 71 - 75

Trip Days: 14

Barrhead Travel Insurance Review
Product Rating

Experience Rating

Premier Plus

75

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: 40 - 49

Trip Days: 365

Barrhead Travel Insurance Review
Product Rating

Experience Rating

Standard

125

Medical Expenses 3,000,000

Cancellation 1,000

Missed Departure 500

Delayed Departure 100

Baggage 750

Personal Accident 10,000

Personal Liability 1,000,000

Legal Expenses 15,000

Annual

Worldwide

Family

Age: 18 - 29

Trip Days: 365

Barrhead Travel Insurance Review
Product Rating

Experience Rating

Standard

125

Medical Expenses 3,000,000

Cancellation 1,000

Missed Departure 500

Delayed Departure 100

Baggage 750

Personal Accident 10,000

Personal Liability 1,000,000

Legal Expenses 15,000

Barrhead Travel Insurance