Sun Selection Travel Insurance Review

Sun Selection Travel Insurance Review

Sun Selection Travel Insurance Review

Reviewed by:

I am sure you'll agree with us when we say, it's impossible to find any meaningful or independent reviews of Sun Selection 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 Sun Selection and who underwrites their policies?

Sun Selection is a specialist travel insurance provider based in Essex and a trading style of Ancile Insurance Group Ltd, who also own OUL Direct, Insurewithease.com, goodtogoinsurance,com and Yourtravelcover.com. The Travel policies are Underwritten by Travel Insurance Facilities and Insured by Union Reiseversicherung AG.

Choose from three levels of cover Silver, Gold and Platinum, a single trip policy for up to 94 days with no age limit, or an annual travel policy with no limit on the number of trips taken and up to 31 days per trip.

Sun Selection Travel Insurance Policies are Underwritten By URV

How Sun Selection 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 Sun Selection.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from Sun Selection Travel Insurance, they are Platinum, Gold, Silver, we have rated these as follows:-

Rating for Single Trip Platinum:

Rating for Single Trip Gold:

Rating for Single Trip Silver:

The Definitive Guide to Single Trip Travel Insurance Guide here
Sun Selection Travel Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Backpacker Travel Insurance Guide here
Sun Selection Travel Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from Sun Selection Travel Insurance, they are Silver, Gold, Platinum, we have rated these as follows:-

Rating for Annual Silver:

Rating for Annual Gold:

Rating for Annual Platinum:

Annual Travel Insurance Guide here
Sun Selection Travel Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Sun Selection 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 Sun Selection's travel policy wording

1

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

The Sun Selection policy defines a child as someone dependent, living at home, under the age of 18 and in full time education.

2

What are the policy age limits?

Single Trip policy - No age limit

Annual multi trip policy - No age limit

3

What are the policy Trip Duration limits?

The maximum duration of a single trip is 94 days.

An annual policy allows for unlimited trips throughout the year, provided each individual trip is for no more than 31 days.

4

What are the options for Winter Sports cover?

Winter sports can be added for the entire duration of a single trip policy and for up to 24 days on Annual Multi trip policies.

Winter sports includes on piste skiing, snowboarding, ice skating, big foot skiing, cross country/nordic skiing, dry slope skiing, sledging, snowmobiliing, snow kiting, and snow shoeing. There is no cover for off-piste skiing.  

5

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

A Sun Selection policy can be taken out by one person, a couple (who are in a longstanding relationship), families consisting of one or two adults and up to eight dependent children.

Finally groups of up to ten individuals may insure themselves under the same policy. 

6

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

Sun Selection strongly recommend you carry the EHIC when travelling to Europe, as it allows you to take advantage of reciprocal agreements that are in place. If you need to make a medical expenses claim and it is reduced as a result of the card, then the excess will be reduced to nil.

If you are travelling to Australia, Sun Selection require you to register with the local Medicare office on arrival.

7

What is covered under Sports and Activities on the policy?

Sports and Leisure activities have been divided into three categories. Category A lists 100 activities that are automatically covered, including but not limited to Jet Skiing and windsurfing (inshore only), Scuba diving down to 18 metres.

Catageories B & C require you to be under the age of 76 and pay an additional premium to include these more hazardous pursuits.

8

What are the policy Alcohol Exclusion terms?

The policy excludes claims connected to being under the influence of alcohol, but goes on to provide a limit of 0.19% approximately 4 pints or four 175ml glasses of wine.

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

End Supplier Failure covered as standard.

10

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

Most pre existing medical conditions can be quoted for by completing the online medical declaration during the quotation process, without the need to contact the Insurer by phone.

11

What are the policy rules on travelling when pregnant?

Sun Selection include medical expenses cover for pregnancy and childbirth from week 0 - 28 (single birth) and 0 - 24 (multiple birth) . From week 29 to week 40 (25 - 40 for multiple birth), there is no cover relating to normal pregnancy unless it is accompanied by a complication A list is provided 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 work, the lifting and or carrying of items that are heavier than 25kg, any work at a height greater than two storeys and any work underground.

Under the sports and activities section vegetable and fruit picking (under three metres), Non manual labour (excluding animal sanctury/refuge work) are automatically covered.

Manual/Farm work (ground level only no machinery) can be included under category B and Manual Work (ground level only including the use of light hand held machinery) can be included under category C, both subject to payment of an additional premium.

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 by supported by original proof of ownership/purchase. Any items not supported by acceptable proof will be paid at a maximum of £50 and a total settlement for all items of £150.

14

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

With the exception of claims for emergency medical expenses, war, terrorism, biological or chemical warfare, invasion, act of foreign enemy, civil war, rebellion, revolution and insurrection are all excluded under the policy.

15

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

There is a small amount of cover included under the policy for additional travel and accommodation within a 20 mile radius, in the event your pre booked accommodation has been damaged by natural disaster or catastrophe.

16

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

This policy is suitable for residents of the United Kingdom, Channel Islands or BFPO only.

Sun Selection's 'User Friendly' Rating

That's Insurance have reviewed Sun Selection'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 Sun Selection 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 Sun Selection Travel Policies

We've highlighted Pro's anc Cons for Sun Selection, 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 Sun Selection.

  • No age limit on single trip or annual multi trip policies
  • End Supplier Failure covered as standard
  • Pre-existing medical conditions can be quoted for online

No Con's

What Cover do Sun Selection policies offer.

We've listed below cover levels for policies offered by offered by Sun Selection 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

    Silver

    Annual

    Gold

    Annual

    Platinum

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    0

    75

    100

    100

    75

    0

  • 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

    5,000

    2,000

    0

    0

    2,000

    5,000

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    15,000

    15,000

    0

    0

    15,000

    15,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    3,000

    2,000

    0

    0

    2,000

    3,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    300

    250

    0

    0

    250

    300

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    300

    250

    0

    0

    250

    300

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    400

    400

    0

    0

    400

    400

  • 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

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    25,000

    25,000

    0

    0

    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 Money
    Personal Money Explanation
    Cover Type Icon

    400

    400

    0

    0

    400

    400

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    350

    350

    350

    350

    350

    350

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    300

    100

    0

    0

    100

    300

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    100

    100

    0

    0

    100

    100

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    500

    500

    0

    0

    500

    500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    500

    500

    0

    0

    500

    500

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    1,000

    1,000

    0

    0

    1,000

    1,000

  • 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

    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

    Y

    Y

    Y

    Y

    Y

    Y

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    Y

    N

    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

    Y

    Y

    Y

    Y

    Y

    Y

  • 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

    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 Sun Selection.

Listed below are some Sample Quotes offered by Sun Selection (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

Couple

Age: 65 - 70

Trip Days: 7

Sun Selection Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

100

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 0

Missed Departure 0

Delayed Departure 0

Baggage 0

Personal Accident 0

Personal Liability 2,000,000

Legal Expenses 0

Single Trip

Europe

Individual

Age: 65 - 70

Trip Days: 14

Sun Selection Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

100

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 0

Missed Departure 0

Delayed Departure 0

Baggage 0

Personal Accident 0

Personal Liability 2,000,000

Legal Expenses 0

Single Trip

Worldwide

Individual

Age: 50 - 59

Trip Days: 7

Sun Selection Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

75

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 2,000

Missed Departure 500

Delayed Departure 100

Baggage 2,000

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide

Individual

Age: 60 - 64

Trip Days: 365

Sun Selection Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

100

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 0

Missed Departure 0

Delayed Departure 0

Baggage 0

Personal Accident 0

Personal Liability 2,000,000

Legal Expenses 0

Annual

Worldwide

Family

Age: 30 - 39

Trip Days: 365

Sun Selection Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

100

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 0

Missed Departure 0

Delayed Departure 0

Baggage 0

Personal Accident 0

Personal Liability 2,000,000

Legal Expenses 0

Annual

Worldwide (Excluding USA & Canada)

Couple

Age: 71 - 75

Trip Days: 365

Sun Selection Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

100

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 0

Missed Departure 0

Delayed Departure 0

Baggage 0

Personal Accident 0

Personal Liability 2,000,000

Legal Expenses 0

How to Buy Travel Insurance from Sun Selection

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.

Current Discount Codes for Sun Selection - No Current Discount Codes

Visit Sun Selection's Website and Get a Quotation direct

Customer Reviews of Sun Selection

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We hope that you have found this Sun Selection Travel Insurance Review helpful. If you have experience of Sun Selection, please do leave a Customer Review, these ratings are searchable and will help others make an informed choice.

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