cheaper.travelinsurance.co.uk Travel Insurance Review

cheaper.travelinsurance.co.uk Travel Insurance Review

cheaper.travelinsurance.co.uk 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 Cheaper.travelinsurance.co.uk 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 cheaper.travelinsurance.co.uk and who underwrites their policies?

Cheaper.travelinsurance.co.uk is a trading name of Insure & Go Insurance Services Ltd for Travel Insurance. Insure & Go Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 309572). Insure and Go are a well known travel insurance company based in Bristol with over 250 employees. They are wholly owned by MAPFRE Asistencia. Insure and Go also own travelinsurance.co.uk, and Circle Cover Travel Insurance.

As you would expect all cheaper travel insurance's policies are underwritten by MAPFRE Asistencia.   As the name suggests prices are cheap, with a single trip policy from as little as £4.79 (3 days to europe) and an annual policy starting from just  £11.69. (annual travel to europe)

Whilst the medical expenses limits are high (£30 million for silver and £50 million for gold cover), the cover for cancellation is below the market average at £750 in respect of silver cover and £1,000 for gold cover. All three policies provide scheduled airline failure cover as standard. You should make sure if you are thinking of taking out a policy, that the levels of cover like cancellation are sufficient to cover any potential losses. The cheapertravelinsurance policy booklet is 27 pages long . Whilst not as long as some, it is still important to read it carefully. To help we have selected key information, that we think you should be aware of, before deciding whether the policy is right for you.

cheaper.travelinsurance.co.uk Travel Insurance Policies are Underwritten By MAPFRE Insurance

How cheaper.travelinsurance.co.uk 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 Cheaper.travelinsurance.co.uk.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from cheaper.travelinsurance.co.uk Travel Insurance, they are Gold, Silver, Bronze, we have rated these as follows:-

Rating for Single Trip Gold:

Rating for Single Trip Silver:

Rating for Single Trip Bronze:

The Definitive Guide to Single Trip Travel Insurance Guide here
cheaper.travelinsurance.co.uk Travel Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Backpacker Travel Insurance Guide here
cheaper.travelinsurance.co.uk Travel Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from cheaper.travelinsurance.co.uk Travel Insurance, they are Bronze, Silver, Gold, we have rated these as follows:-

Rating for Annual Bronze:

Rating for Annual Silver:

Rating for Annual Gold:

Annual Travel Insurance Guide here
cheaper.travelinsurance.co.uk Travel Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

cheaper.travelinsurance.co.uk 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 Cheaper.travelinsurance.co.uk's travel policy wording

1

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

Children are classed as those being under the age of 18 and either in full time education or residing with their parents. 

2

What are the policy age limits?

Both the single trip and annual trip policies are available to anyone up to and including the age of 65, at the date a policy is purchased.

3

What are the policy Trip Duration limits?

The policy indicates a single trip can be taken out for up to 31 days, however we were only able to get quotes for up to 15 days.

The annual policy allows an unlimited number of trips throughout the policy year, provided each trip lasts no longer than 31 days.

 

4

What are the options for Winter Sports cover?

Wintersports can be added as an option to either policy, but is restricted to 10 days maximum in respect of annual travel.  The policy allows for over twenty wintersport activities as standard, although some of them require an increased medical excess of £250 and no cover for personal liability. Check the policy for specific details.

The policy covers Wintersports equipment up to £200 (single article limit £100), ski hire £10 per day up to £100, Ski Pack £50 per day up to £200, Piste closure £10 per day up to £100 and avalanche cover £150.

 

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, couples and families up to two adults and 8 children. A group of up to ten individuals may also insure themselves under one policy, provided they are travelling at the same time and to the same destination.

There don't appear to be any special discounts for couples, family or groups

6

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

The policy requires you to obtain an EHIC card (european health insurance card) prior to you travelling to any European Union country. If you provide the card and any medical expenses are reduced the company will waive any medical expenses excess.

when travelling to Australia or New Zealand, you must register under MEDICARE or the equivalent scheme of that country, once any treatment has been received.

7

What is covered under Sports and Activities on the policy?

The policy covers over 80 sports and leisure activities as standard. Check the policy wording for a complete list. If the pursuit you wish to participate in is not mentioned then it is not covered under the policy.

8

What are the policy Alcohol Exclusion terms?

Under the general exclusions section the policy states you drinking too much alcohol, alcohol abuse or dependency is not covered.

Cheapertravelinsurance do not expect you to avoid alcohol, but will not cover claims because you have drunk so much alcohol that your judgement has been seriously affected and you need to make a claim as a result.

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

All three policies cover the insolvency of a scheduled airline. Note however this does not cover flights that are part of a package holiday.

10

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

The policy excludes any pre-existing medical condtion and there is no facility to include them.

11

What are the policy rules on travelling when pregnant?

Any claim that relates to pregnancy is excluded, unless a doctor confirms that the claim results from complications of pregnancy. The policy provides a helpful definition of complications of pregnancy including a list of complications.

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 claims relating to manual labour. Manual labour is described in the policy as work that is physical, which includes but is not limited to construction, installation, assembly and building work. The exclusion does not include bar and restaurant work, musicians, singer and fruit pickers (provided they do not use machinery)

Conservation or charity work is covered, as long as its educational and or environmental and working with hand tools only

13

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

The policy states where you cannot prove you own or provide proof of purchase of an item that has been lost, stolen or damaged, Insurers reserve the right to apply an additional 10% deduction to any item with a value of £100 or more. This is in addition to any wear, tear or depreciation deduction.

14

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

Full cover in the event of a claim in relation to terrorism. A claim in respect of war, civil unrest is restricted to medical expenses only

15

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

The policy excludes any claim in connection with a natural disaster or catastrophe (this does not apply to a medical expenses claim)

16

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

Yes, you must have lived in the UK for at least six of the last twelve months prior to taking out a policy.

cheaper.travelinsurance.co.uk's 'User Friendly' Rating

That's Insurance have reviewed cheaper.travelinsurance.co.uk'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 cheaper.travelinsurance.co.uk 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 cheaper.travelinsurance.co.uk Travel Policies

We've highlighted Pro's anc Cons for cheaper.travelinsurance.co.uk, 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 Cheaper.travelinsurance.co.uk.

  • Provides cover against terrorism
  • The policy excludes any pre-existing medical conditions
  • Low sums insured in respect of cancellation and or abandonment

What Cover do cheaper.travelinsurance.co.uk policies offer.

We've listed below cover levels for policies offered by offered by Cheaper.travelinsurance.co.uk 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

    Gold

    Single Trip

    Silver

    Single Trip

    Bronze

    Single Trip

    Bronze

    Annual

    Silver

    Annual

    Gold

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    100

    175

    250

    250

    175

    100

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    50,000,000

    30,000,000

    15,000,000

    15,000,000

    30,000,000

    50,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    1,000

    750

    750

    750

    750

    1,000

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Baggage
    Baggage Explanation
    Cover Type Icon

    1,000

    750

    500

    500

    750

    1,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    150

    150

    150

    150

    150

    150

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    150

    150

    150

    150

    150

    150

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    250

    250

    250

    250

    250

    250

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    1,000,000

    1,000,000

    1,000,000

    1,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    30,000

    0

    0

    0

    0

    30,000

  • 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

    4,000

    1,000

    1,000

    1,000

    1,000

    4,000

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    250

    250

    250

    250

    250

    250

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    Unlimited

    Unlimited

    Unlimited

    Unlimited

    Unlimited

    Unlimited

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    250

    250

    250

    250

    250

    250

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    150

    100

    0

    0

    100

    150

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,000

    750

    0

    0

    750

    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

    0

    0

    0

    0

    0

  • 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

    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

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    4,000

    1,000

    1,000

    1,000

    1,000

    4,000

  • 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

    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

    N

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • 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

    N

    N

    N

    N

    N

Sample Quotes from Cheaper.travelinsurance.co.uk.

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

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide

Family

Age: 30 - 39

Trip Days: 7

cheaper.travelinsurance.co.uk Travel Insurance Review
That's Insurance Rating

Customer Rating

Bronze

250

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 750

Missed Departure 0

Delayed Departure 0

Baggage 500

Personal Accident 0

Personal Liability 1,000,000

Legal Expenses 0

Single Trip

Europe

Couple

Age: 30 - 39

Trip Days: 14

cheaper.travelinsurance.co.uk Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

100

Click Heart to Favourite

Compare Now

Medical Expenses 50,000,000

Cancellation 1,000

Missed Departure 1,000

Delayed Departure 150

Baggage 1,000

Personal Accident 0

Personal Liability 2,000,000

Legal Expenses 30,000

Single Trip

Worldwide

Individual

Age: 50 - 59

Trip Days: 14

cheaper.travelinsurance.co.uk Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

175

Click Heart to Favourite

Compare Now

Medical Expenses 30,000,000

Cancellation 750

Missed Departure 750

Delayed Departure 100

Baggage 750

Personal Accident 0

Personal Liability 1,000,000

Legal Expenses 0

Annual

Worldwide (Excluding USA & Canada)

Couple

Age: 40 - 49

Trip Days: 365

cheaper.travelinsurance.co.uk Travel Insurance Review
That's Insurance Rating

Customer Rating

Bronze

250

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 750

Missed Departure 0

Delayed Departure 0

Baggage 500

Personal Accident 0

Personal Liability 1,000,000

Legal Expenses 0

Annual

Worldwide

Couple

Age: 50 - 59

Trip Days: 365

cheaper.travelinsurance.co.uk Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

100

Click Heart to Favourite

Compare Now

Medical Expenses 50,000,000

Cancellation 1,000

Missed Departure 1,000

Delayed Departure 150

Baggage 1,000

Personal Accident 0

Personal Liability 2,000,000

Legal Expenses 30,000

Annual

Worldwide

Couple

Age: 60 - 64

Trip Days: 365

cheaper.travelinsurance.co.uk Travel Insurance Review
That's Insurance Rating

Customer Rating

Bronze

250

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 750

Missed Departure 0

Delayed Departure 0

Baggage 500

Personal Accident 0

Personal Liability 1,000,000

Legal Expenses 0

How to Buy Travel Insurance from Cheaper.travelinsurance.co.uk

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.

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Customer Reviews of Cheaper.travelinsurance.co.uk

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