Travel Insurance Star Ratings Explained
How do Thats Insurance Arrive at their Ratings? Each policy is not only compared in terms of what it overs within a range of what we would expect to be covered for 1 to 5 stars, it is additionally ranked within its star rating with any particular Pro's and Con's highlighted.
See an example review here
All Clear 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
