It looks like it’s going to be a bumper 2024 for travel, with nearly six in 10 British travellers planning to book at least three or more holidays next year as well as spend more on international travel according to research from Luxury Escapes this month*. With extra hard-earned money spent on travel, it’s more important than ever to plan for the unexpected and Airport Parking and Hotels has pulled together a guide comparing the top travel insurance policies for UK travellers.
Available at www.aph.com/travelinsurance, the handy and detailed guide compares policies for the top 20 insurance providers including AA, Aviva, Direct Line and SAGA covering Medical Cover, Cancellation Cover, Personal Possessions and Winter Sport options.
Travel Insurance for Older People
For travel insurance for older people, there are limited choices when it comes to Single Trip and Multi Trip policies. Only half of the companies researched offered travel insurance to this age group. Admiral and Rock Insurance, cover travellers up to the age of 85. AA, AllClear, InsureAndGo, Post Office, SAGA, Tesco, Virgin Money and Zurich don’t specify an age limit to their Single Trip policies however this does change for Multi Trip policies depending on the company.
When it comes to replacing important documents such as passports and lost or stolen money on holiday, there are a range of different options to choose from with HSBC and Barclays providing a generous £750 to replace emergency travel documents such as passports, driving licences or visas. Whereas other companies, such as Allianz, CoverForYou and InsureAndGo offer a maximum of £250 in their most premium policies available, so travellers should check they have sufficient cover.
It’s always advisable to book travel insurance in advance to make the most of the policy’s cancellation cover, covering any unfortunate events in the lead-up to the holiday. Cover can range from £1,000 with AA’s Bronze policy to £25,000 with AllClear’s Platinum policy for a trip cancelled or cut short (within the policies T&C’s).
Travel Insurance for Winter Sports
For Winter Sport fans looking to hit the slopes, optional additional cover can include damage, loss or theft to ski equipment however this does depend on if the equipment is hired or owned. SAGA will cover up to £550 for hired equipment and up to £750 for your own equipment. For skiers unable to ski due to the piste closing, then policies cover a per day cost ranging from £10 per day with the Post Office to £50 per day with Rock Insurance and Virgin Money Premium cover (up to a maximum of £500).
Nick Caunter, Managing Director of APH said, “It’s clear international holidays are one of the UK consumer’s top priorities. 2024 looks set to be the best year in a while. It should go without saying that it’s essential to protect those all-important travel plans. We hope the APH Travel Insurance Guide helps travellers find the most suitable cover for their needs.”
- *Luxury Escapes research as reported in TTG on 1 December 2023
- APH research conducted in December 2023
- Insurance policies prices based on the maximum allowance available