Broker Sure Travel Insurance Review

Broker Sure 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 Broker Sure and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are Broker Sure Travel Insurance

**** PLEASE NOTE BROKERSURE NO LONGER OFFER THE ZURICH TRAVEL INSURANCE PRODUCT.

YOU ARE STILL ABLE TO COMPARE THEIR PANEL OF OTHER TRAVEL INSURANCE POLICIES ****

Brokersure is a travel insurance provider who specialises in providing bespoke business to business solutions to other companies such as the Post Office, RIAS and Fish to name a few.

Brokersure also offer travel insurance products in their own right such as Fit4travel, Holidayinsurance.com, Allsafe Insurance, Goinsure.co.uk, direct2insure and travel adder, as well as a bespoke policy underwritten by Zurich.

The Brokersure policy is available as a single trip or annual trip with the option to choose from three levels of cover Standard, Premier and the Four Star rated Premier Plus.

How to Buy Travel Insurance from Broker Sure

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

How Broker Sure 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 Broker Sure.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from Broker Sure Travel Insurance. They are - Premier Plus - Premier - Standard. We have rated these as follows:-

Rating for Single Trip Premier Plus:

Rating for Single Trip Premier:

Rating for Single Trip Standard:

Broker Sure Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Broker Sure Backpacker Insurance Review

Annual Policy Ratings Click to Expand

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

Rating for Annual Premier Plus:

Rating for Annual Premier:

Rating for Annual Standard:

Broker Sure Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Broker Sure 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 Broker Sure's policy wording

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

A child is classed as dependent and aged 17 years or younger. On a single trip policy children are only insured when travelling with one or both of the insured adults.

On an annual policy children are insured to travel on their own, as long as they are travelling with a responsible adult.

2. What are the policy age limits?

A single trip policy is available to anyone under the age of 85.

An annual policy is availabel to anyone under the age of 80.

3. What are the policy Trip Duration limits?

A single trip policy can be taken out for up to 180 days.

An annual policy allows an unlimited number of trips per year, provided each trip lasts no longer than 31 days standard cover 45 days Premier cover and 60 days Premier Plus cover(provided you are aged 64 and under).

If you are aged between 65 and 79, there is no cover under the standard policy and the maximum duration of any one trip is 31 days for the Premier and Premier Plus policies.

4. What are the options for Winter Sports cover?

Wintersports can be added to either policy for anyone up to the age of 69. In respect of a single trip policy, cover is for the duration of the trip. In respect of the annual travel policy cover is for a maximum of 17 days.

The policy covers 16 different winter sports, including off piste skiing and snowboarding, providing it is with a guide and in areas that the local resort management consider safe.

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

A Brokersure policy can be taken out by individuals, couples (living at the same address) or families, consisting of one or two adults and up to three children.

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

Brokersure, strongly advise that you carry the European Health Insurance card, when travelling to countries in the European Economic Area, including Switzerland.

If a medical expense claim is reduced as a result of the card, the excess will not be deducted.

If you require treatment in New Zealand or Australia, you must enrol with the local Medicare Office.

7. What is covered under Sports and Activities on the policy?

The Brokersure policy covers 120 different activities as standard, pursuits like trekking up to 2000 metres, surfing, sail boarding and kayaking on grade 2 rivers.

Brokersure also offer the option to include a further 100 extreme activities, for example parascending, rock climbing under 2000 metres and shark cage diving, provided the additional premium has been paid.

8. What are the policy Alcohol Exclusion terms?

The policy excludes any claim caused by you drinking too much alcohol.

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?

Pre existing medical conditions are excluded under all policies, but it is possible to add conditions using the online medical screening as part of the quotation process.

This has three advantages, saving time, getting an accurate quote straight away and not having to divulge sensitive information over the phone.

11. What are the policy rules on travelling when pregnant?

Claims in respect of pregnancy are only cover if they are due to complications as a direct result of that pregnancy.

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

Manual work is defined as physical work, or involving the use or operation of mechanical or non mechanical machinery or equipment.

Any involvment in paid or unpaid manual work or physical labour of any kind is excluded under the policy. However the policy does cover, bar work, caring for children as an au pair or nanny, Fruit or Vegetable picking, and Restaurant work.

13. What are the requirements, if I need to claim for lost, damaged or stolen baggage?

You should provide original receipts, proof of ownership, and or valuations for items that have been lost, stolen or damaged.

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

Any claim caused by War and Terrorism is excluded (with the exception of emergency medical, hospital benefit and personal accident, relating to terrorism). 

15. Does the policy cover natural disaster or catastrophe before and during my holiday?

The Premier and Premier Plus policy include reasonable alternative accommodation and travel expenses caused as a result of a catastrophe.

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

This policy is only available to you if you are permanently resident in the United Kingdom and registered with a Doctor, also in the UK.

Broker Sure's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on brokersure-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 Broker Sure 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 Broker Sure Policies

We've highlighted Pro's and Cons for Broker Sure, 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 Broker Sure.

  • Premier Plus is a four star rated policy
  • Pre existing medical conditions can be underwritten online at the point of sale
  • No cover for end supplier failure

What Cover do Broker Sure 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

    100

    75

    50

    100

    75

    50

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    5,000,000

    7,500,000

    10,000,000

    5,000,000

    7,500,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    1,000

    5,000

    7,500

    1,000

    5,000

    7,500

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    10,000

    20,000

    20,000

    10,000

    20,000

    20,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    750

    1,500

    3,000

    750

    1,500

    3,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    100

    200

    350

    100

    200

    350

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    100

    200

    500

    100

    200

    500

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    250

    500

    750

    250

    500

    750

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    1,000,000

    1,500,000

    2,000,000

    1,000,000

    1,500,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    10,000

    25,000

    50,000

    10,000

    25,000

    50,000

  • 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

    20,000

    20,000

    10,000

    20,000

    20,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    250

    500

    750

    250

    500

    750

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    0

    1,000

    1,500

    0

    1,000

    1,500

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    200

    350

    500

    200

    350

    500

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    5,000

    5,000

    7,500

    5,000

    5,000

    7,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    0

    200

    300

    0

    200

    300

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    0

    250

    500

    0

    250

    500

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    0

    1,000

    1,000

    0

    1,000

    1,000

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    2,500

    5,000

    0

    2,500

    5,000

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    1,000

    1,500

    0

    1,000

    1,500

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • 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

    0

    500

    1,000

    0

    500

    1,000

  • 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

    N

    N

    N

    N

    N

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    Y

    Y

    N

    Y

    Y

  • 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

    N

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    N

    Y

    Y

    N

    Y

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    N

    Y

    Y

    N

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    Y

    Y

    N

    Y

    Y

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    Y

    Y

    N

    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

    N

    Y

    Y

    N

    Y

    Y

Sample Quotes from Broker Sure.

We are currently Awaiting Details of quotes for this provider.

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