MRL Travel Insurance Review

MRL Travel Insurance Review

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With worldwide pandemics an the increasing possibility , 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 MRL Travel Insurance and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are MRL Travel Insurance

MRL Insurance Direct is a trading style of ROCK Insurance Services Limited who are authorised and regulated by the Financial Conduct Authority. Rock Insurance are also responsible for some excellent brands such as Insurefor.com and Big Blue cover.

Choose from three levels of cover Economy, standard and Premier, with the option to include gadget, golf, business, cruise and winter sports cover. A mid level policy providing value for money.

MRL's travel insurance policies are provided by EUROP ASSISTANCE S.A. Europ Assistance S.A. (trading as Europ Assistance S.A. Irish Branch) is regulated in France. Europ Assistance S.A. Irish Branch conducts business in Ireland in accordance with the Code of Conduct for Insurance Undertakings published by the Central Bank of Ireland.

How to Buy Travel Insurance from MRL Travel Insurance

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

How MRL 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 MRL Travel Insurance.

Single Trip Policy Ratings Click to Expand

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

Rating for Single Trip Premier:

Rating for Single Trip Standard:

Rating for Single Trip Economy:

MRL Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

MRL Backpacker Insurance Review

Annual Policy Ratings Click to Expand

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

Rating for Annual Economy:

Rating for Annual Standard:

Rating for Annual Premier:

MRL Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

MRL 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 MRL Travel Insurance'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 educationand residing at home.

2. What are the policy age limits?

At time of purchase:-

84 or under for Single Trip

74 or under for Multi Trip

64 or under if you require Winter Sports added to your policy

3. What are the policy Trip Duration limits?

Single Trip Policies, Trip Duration: 365 days if you are aged up to 55 years old. If you are between 56 and 79 years old single trips are limited to 90 days. If you are between 80 and 84 years old single trips are limited to 21 days.


Annual Multi-trip Policies, Trip Duration: Any number of trips in the policy year but limited to 32 days per trip and 120 days in total, if you purchase Economy cover, or 150 days if you purchase Standard or Premier cover.  

Trip duration can be extended to 45, 62, or 90 days for an increased premium.

4. What are the options for Winter Sports cover?

If you are an Annual Multi-trip policy holder, you are entitled to 21 days, 24 days or 31 days winter sports cover if you have paid the appropriate additional premium.

If you are a Single trip policy holder this upgrade will be shown on your certificate of insurance and will cover you for the duration of your trip.

The policy covers 23 winter sport activities as standard, but it is still important that you check to ensure the acitivty you are doing is covered. The policy also provides a list of excluded acitivities. 

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

An individual or a couple

A group of up to 12 individuals. (There is no premium discount for more than one person insuring themselves under the same policy)

A family policy is for the main insured person, his/her spouse, Civil Partner or Common Law Partner, and up to four of their dependent children under 18 years of age (in full-time education and residing with them).

For annual multi-trip policies, each insured adult can travel independently. All members of the family must live at the same address.

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

EHIC mandatory, if travelling to the EU. You must enrol in Medicare if travelling to Australia

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

Sports and Activities are split into 4 Categories (A - D) There are approximately 30 activities included as standard, conditions of cover and any exclusions are listed as Conditions beside the activity.  You can add Categories B-D with the payment of an additional premium and for example, if you purchase Category D, you are covered for all preceding Categories.

It is important that you check the list of activities before purchasing your travel insurance to ensure you are covered.  If you are unsure, it’s a good tip to gain approval in writing from your insurance provider.

8. What are the policy Alcohol Exclusion terms?

Policy states the Insurer shall not be responsible claims where “your suicide, deliberately injuring Yourself, being under the influence of alcohol or drugs (unless prescribed by a doctor), alcoholism or other alcohol related illnesses, drug addiction, solvent abuse, self-exposure to needless danger (unless You are trying to save someone’s life). “

9. Does the policy cover Scheduled Airline Failure or Financial Failure?

Not Covered under this Policy.

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

Many Pre-existing conditions are covered free of charge under this policy, if you check their policy wording document, you will find these on page 2. Other pre-existing medical conditions require completing a Medical Screening, to do this you need to call them on 0345 658 0300.

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

Defined on page 2 of the Policy Wording Document, detailing Covered Medical Conditions, as “Pregnancy (provided no complications and not travelling less than 8 weeks or (16 weeks in the case of a known multiple pregnancy) prior to the expected delivery date).

Also detailed on page 5, as “Cover under this policy is provided for unforeseen events. In particular, cover is provided under Section 1 for unforeseen bodily injury or illness. Pregnancy and childbirth are not considered to be either an illness or injury. Cover is ONLY provided under Sections 1 3, 4 and 5 of this policy for claims arising from complications of pregnancy and childbirth.”

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 of any kind is specifically excluded under the policy, though under exclusions Bar Work and Nursing are not considered Manual Work.  The policy defines Manual Work as “Physical labour involving the use of tools or machinery or exposure to risk that could give rise to Your bodily injury or illness (nursing and bar-work are not considered to be manual work).”

We would recommend that anyone planning to work obtains written permission from their Insurance Provider that it is covered under their policy.

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

Receipts are required in the event of a claim. Therefore, we strongly recommend that it would be sensible to keep receipts of any new clothes/property purchased for your holiday; and additionally, any valuation for items that are of value, but you don’t have an original receipt. If in doubt as to whether you have cover for a specific item, please contact the Insurance Provider for clarification prior to taking out insurance.

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

You are not covered in respect of any act of terrorism; this is defined as “Any act including but not limited to the use, or threat, of violence or force by any person or organisation involving, causing or threatening harm or putting the public or any section of the public in fear if it is likely that the purpose is of a political, religious, ideological (of an intellectual or rational nature) or similar nature.”

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

Not Covered under this policy.

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

This policy is only available to residents of the UNited Kingdom.

MRL Travel Insurance's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on mrl-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 MRL 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 MRL Policies

We've highlighted Pro's and Cons for MRL , 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 MRL Travel Insurance.

  • Single trip policies can be taken out for up to 12 months
  • Annual travel policies restricted to 120 (economy) or 150 days (standard and premier) total travel.
  • No cover for scheduled airline failure or natural disaster

What Cover do MRL 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

    Economy

    Annual

    Standard

    Annual

    Premier

    Annual

    Premier

    Single Trip

    Standard

    Single Trip

    Economy

    Single Trip

Primary Cover toggle

  • Policy Excess
    Policy Excess

    175

    150

    100

    100

    150

    175

  • 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

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    1,000

    2,000

    5,000

    5,000

    2,000

    1,000

  • 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

    25,000

    25,000

    10,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    2,000

    2,000

    2,000

    2,000

    2,000

    2,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    150

    200

    300

    300

    200

    150

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    150

    200

    300

    300

    200

    150

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    500

    500

    500

    500

    500

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    1,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    1,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    5,000

    10,000

    25,000

    25,000

    10,000

    5,000

  • 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

    25,000

    25,000

    10,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    500

    500

    500

    500

    500

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    250

    350

    400

    400

    350

    250

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    100

    150

    200

    200

    150

    100

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    2,000

    2,000

    2,000

    2,000

    2,000

    2,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    100

    250

    350

    350

    250

    100

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    100

    150

    150

    150

    150

    100

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    500

    750

    1,500

    1,500

    750

    500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    250

    250

    250

    250

    250

    250

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    200

    200

    200

    200

    200

    200

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    250

    250

    250

    250

    250

    250

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    250

    250

    250

    250

    250

    250

  • 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

    1,000

    1,000

    1,000

    1,000

    1,000

    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

    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

    Y

    Y

    Y

    Y

    Y

    Y

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • 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

    N

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

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

    Y

    Y

    Y

    Y

    Y

    Y

  • 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

MRL Travel Insurance

Sample Quotes from MRL Travel Insurance.

Listed below are some Sample Quotes offered by MRL Travel Insurance

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide

Family

Age: 50 - 59

Trip Days: 7

MRL  Travel Insurance Review
Product Rating

Experience Rating

Standard

150

Medical Expenses 10,000,000

Cancellation 2,000

Missed Departure 750

Delayed Departure 150

Baggage 2,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 10,000

Single Trip

Europe

Couple

Age: 18 - 29

Trip Days: 14

MRL  Travel Insurance Review
Product Rating

Experience Rating

Economy

175

Medical Expenses 10,000,000

Cancellation 1,000

Missed Departure 500

Delayed Departure 100

Baggage 2,000

Personal Accident 10,000

Personal Liability 1,000,000

Legal Expenses 5,000

Annual

Worldwide (Excluding USA & Canada)

Individual

Age: 18 - 29

Trip Days: 365

MRL  Travel Insurance Review
Product Rating

Experience Rating

Economy

175

Medical Expenses 10,000,000

Cancellation 1,000

Missed Departure 500

Delayed Departure 100

Baggage 2,000

Personal Accident 10,000

Personal Liability 1,000,000

Legal Expenses 5,000

Annual

Europe

Couple

Age: 60 - 64

Trip Days: 365

MRL  Travel Insurance Review
Product Rating

Experience Rating

Standard

150

Medical Expenses 10,000,000

Cancellation 2,000

Missed Departure 750

Delayed Departure 150

Baggage 2,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 10,000

MRL Travel Insurance