Southdowns Travel Insurance Review

Southdowns  Travel Insurance Review

Southdowns Travel Insurance Review

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Who are Southdowns and who underwrites their policies?

Southdowns are a general insurance intermediary located in West Sussex. They currently provide service support for an international general insurance intermediary, but also offer their own products that are underwritten by Inter Partner Assistance part of the Axa Assistance Group.

With single trip policies starting from £7.66 and four levels of cover to choose from, Bronze, Silver, Gold and the Five Star rated Platinum policy, Southdowns provide a wide range of packages that will suit most customers.

Southdowns Travel Insurance Policies are Underwritten By Inter Partner Assistance

How Southdowns 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 Southdowns Travel Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 4 Single Trip Policies from Southdowns Travel Insurance, they are Platinum, Gold, Silver, Bronze, we have rated these as follows:-

Rating for Single Trip Platinum:

Rating for Single Trip Gold:

Rating for Single Trip Silver:

Rating for Single Trip Bronze:

Single Trip Travel Insurance Guide here
Southdowns Travel Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Backpacker Travel Insurance Guide here
Southdowns Travel Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 4 Annual Policies from Southdowns Travel Insurance, they are Bronze, Silver, Gold, Platinum, we have rated these as follows:-

Rating for Annual Bronze:

Rating for Annual Silver:

Rating for Annual Gold:

Rating for Annual Platinum:

Annual Travel Insurance Guide here
Southdowns Travel Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Southdowns 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 Southdowns Travel Insurance's travel policy wording

1

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

Children are classed as those aged 18 or younger (23 or younger if in full time education)

2

What are the policy age limits?

Single Trip policies  -  Anyone up to the age of 75.

Annual Travel policies - Anyone up to the age of 65.

3

What are the policy Trip Duration limits?

Single Trip Policies - A single trip policy can be taken out for up to 90 days.

Annual Travel - Annual Travel insurance allows an unlimited number of trips throughout the policy year, with each individual trip restricted to 24 days (Bronze policy) and 31 days (Silver, Gold and Platinum policies).

4

What does the policy offer for Winter Sports cover?

Southdowns do not cover Winter Sports holidays

5

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

A policy may be taken out by just one person, or a couple (defined as you and a close relative including domestic partner, living at the same address), or a family consisting of one or two adults and up to seven children.

Finally groups of up to nine individuals can travel under the same single trip policy as long as they are travelling together and to the same destination (there is no premium discount for more than one individual)

6

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

Southdowns, strongly advise that if you are travelling to countries within the European Union, or Switzerland, you should obtain and carry a European Health Insurance Card.

If as a result of using the EHIC a medical expenses claim is reduced, the excess will not be deducted.

If you need treatment in Australia, you must enrol in with a local Medicare office.

7

What is covered under Sports and Activities on the policy?

The policy includes automatic cover for 111 different activities and leisure pursuits, providing they are on a recreational and non professional basis. Some of the activities exclude personal accident and liability cover and require you to follow any laws, regulations as well as complying with recommended use of safety equipment.

We recommend checking the list carefully to make sure you understand the terms and conditions and are correctly covered.

8

What are the policy Alcohol Exclusion terms?

The policy excludes you drinking too much alcohol, where it is reasonable to see that such consumption could result in impairment of your faculties/judgement that results in a claim.

Southdowns do not expect you to completely avoid alcohol on your trips abroad, but won't cover claims where you have clearly drunk so much alcohol, that your judgement is seriously affected and you cause injury or damage as a result.

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

Scheduled airline failure covered under the Platinum policy.

10

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

Pre-existing medical conditions are excluded, however it is possible to add conditions during the quotation process and receive terms, but answering the relevant medical screening questions, without the need to contact anyone by phone.

11

What are the policy rules on travelling when pregnant?

Any claim from pregnancy related issues are not covered unless they are as a result of unforeseen complications of pregnancy.

Southdowns clarify that Normal pregnancy or travelling with the knowledge that your doctor has recorded your pregnancy as high risk, or at a risk of premature birth would not constitute an unforeseen event.

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 claim connected to manual work. Note there is no definition of manual work, so if you are not sure, it is best to contact the Insurer direct to clarify.

The Southdowns policies does allow you to extend cover to include business travel, but this also excluded manual work.

13

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

You may not be reimbursed for property lost, stolen or damaged, that you cannot provide proof of ownership for, like an original receipt, a valuation, user manual, bank or credit card statement.

14

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

War risks, civil commotion and terrorism are excluded under the policy, with the exception of Emergency medical expenses and Hospital Benefit.

15

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

Comprehensive Travel Disruption cover is available as an option on Silver, Gold and Platinum policies. The cover includes, cancellation, missed departure, alternative accommodation, additional travel expenses, travel delay due to Natural Disasters as well as insolvency of accommodation providers or their booking agemts.

16

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

Southdown policies are only available to those permanently residing in the United Kingdom and registered with a GP in the UK.

Southdowns 's 'User Friendly' Rating

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

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

  • Platinum policy has been awarded a five star rating
  • Scheduled airline failure cover as standard under the Platinum policy
  • Platinum policy covers up to £3500 baggage cover as standard
  • Pre -existing medical conditions can be underwritten online at the point of sale during the quotation process
  • Comprehensive Travel Distruption cover available as an option to Silver, Gold and Platinum policies
  • No option to cover winter sports

What Cover do Southdowns policies offer.

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

    Platinum

    Single Trip

    Gold

    Single Trip

    Silver

    Single Trip

    Bronze

    Single Trip

    Bronze

    Annual

    Silver

    Annual

    Gold

    Annual

    Platinum

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    50

    60

    100

    100

    100

    100

    60

    50

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    20,000,000

    15,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    15,000,000

    20,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    6,000

    3,000

    2,000

    1,500

    1,500

    2,000

    3,000

    6,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    80,000

    20,000

    10,000

    10,000

    10,000

    10,000

    20,000

    80,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    3,500

    1,500

    1,500

    1,250

    1,250

    1,500

    1,500

    3,500

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    300

    200

    200

    200

    200

    200

    200

    300

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    500

    300

    200

    200

    200

    200

    300

    500

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    500

    300

    300

    300

    300

    500

    500

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    50,000

    25,000

    15,000

    0

    0

    15,000

    25,000

    50,000

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    0

    0

    1,500

    1,500

    1,500

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    2,000

    1,000

    0

    0

    0

    0

    1,000

    2,000

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    500

    200

    200

    200

    200

    200

    200

    500

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    400

    300

    0

    0

    0

    0

    300

    400

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    350

    300

    100

    0

    0

    100

    300

    350

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,000

    500

    500

    0

    0

    500

    500

    1,000

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    250

    200

    0

    0

    0

    0

    200

    250

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    1,000

    500

    0

    0

    0

    0

    500

    1,000

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    1,000

    1,000

    0

    0

    0

    0

    1,000

    1,000

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    Y

    N

    N

    N

    N

    Y

    Y

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

  • Business
    Business Explanation
    Cover Type Icon

    Y

    Y

    N

    N

    N

    N

    Y

    Y

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

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

    N

    N

    N

    N

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    Y

    N

    N

    N

    N

    N

    N

    Y

Sample Quotes from Southdowns Travel Insurance.

Listed below are some Sample Quotes offered by Southdowns Travel Insurance (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: 71 - 75

Trip Days: 7

Southdowns  Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

60

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 3,000

Missed Departure 500

Delayed Departure 300

Baggage 1,500

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 25,000

Single Trip

Worldwide (Excluding USA & Canada)

Individual

Age: 50 - 59

Trip Days: 7

Southdowns  Travel Insurance Review
That's Insurance Rating

Customer Rating

Platinum

50

Click Heart to Favourite

Compare Now

Medical Expenses 20,000,000

Cancellation 6,000

Missed Departure 1,000

Delayed Departure 350

Baggage 3,500

Personal Accident 80,000

Personal Liability 2,000,000

Legal Expenses 50,000

Single Trip

Worldwide

Couple

Age: 30 - 39

Trip Days: 21

Southdowns  Travel Insurance Review
That's Insurance Rating

Customer Rating

Platinum

50

Click Heart to Favourite

Compare Now

Medical Expenses 20,000,000

Cancellation 6,000

Missed Departure 1,000

Delayed Departure 350

Baggage 3,500

Personal Accident 80,000

Personal Liability 2,000,000

Legal Expenses 50,000

Annual

Worldwide

Family

Age: 30 - 39

Trip Days: 365

Southdowns  Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

100

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 2,000

Missed Departure 500

Delayed Departure 100

Baggage 1,500

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 15,000

Annual

Worldwide (Excluding USA & Canada)

Family

Age: 50 - 59

Trip Days: 365

Southdowns  Travel Insurance Review
That's Insurance Rating

Customer Rating

Bronze

100

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 1,500

Missed Departure 0

Delayed Departure 0

Baggage 1,250

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 0

Annual

Worldwide (Excluding USA & Canada)

Individual

Age: 30 - 39

Trip Days: 365

Southdowns  Travel Insurance Review
That's Insurance Rating

Customer Rating

Platinum

50

Click Heart to Favourite

Compare Now

Medical Expenses 20,000,000

Cancellation 6,000

Missed Departure 1,000

Delayed Departure 350

Baggage 3,500

Personal Accident 80,000

Personal Liability 2,000,000

Legal Expenses 50,000

How to Buy Travel Insurance from Southdowns Travel Insurance

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 Southdowns Travel Insurance

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