We are hiring – Commercial Insurance Account Handler (based in Lancaster)
Covering the unexpected, whilst you cover the globe
Protecting against the cost of healthcare abroad
Travel Insurance can also foot the cost in other scenarios such as cutting your trip short, lost or stolen bags and lost cash.
When planning a holiday, you don’t want to think about what could go wrong so let us take this out of your hands.
Stay protected even in your most hair-raising moments
Get covered for your adventure holidays including white water rafting, skiing and scuba diving.
Travel Insurance ‘Must Haves'
When finding you the right Travel Insurance, we ensure we source a policy based on your individual requirements.
There are a number of ‘nice-to-haves’ or optional extras available with Travel Insurance, however, there are certain features which we think it should cover so you’re not left out of pocket.
We believe in making sure you have comprehensive insurance for your travels so you can take off in the knowledge that you’re covered, whatever the weather.
Medical and Accident cover
Medical and Accident cover protects you in the event you have an illness or accident on your trip and require emergency medical attention.
It’s wise to ensure your policy also covers Repatriation back to the UK.
To ensure you’re fully covered, make sure you report any pre-existing illnesses prior to obtaining the policy.
Trip Cancellation/Delay
In the event you are forced to cancel or cut short your trip due to unforeseeable circumstances, Trip Cancellation covers the cost of any travel or accommodation you have pre-paid for.
If your policy includes Travel Delay, this protects against delays due to traffic, strikes or bad weather. You will be covered for the cost of food and drink at the airport and potentially for holiday abandonment if the delay is over 24 hours.
Lost baggage, documents or cash
Whilst in transit, there is a risk of your luggage getting lost, stolen or damaged – Baggage Loss will cover the cost of replacing this.
Lost Documents/Cash cover will protect you against losing your cash and passport. The policy will specify an agreed maximum amount to pay out for any costs incurred.
Tailored travel packages
Cover for:
- Single trips
- Annual trips
- Long stay
- Gap years
- Backpackers
- Over 65’s
- Winter sports trips
- Religious pilgrimages
All our policy options are available for individuals, couples, and families.
Don't get caught out by the Terms and Conditions of your policy
Overview
We aim to help our clients get a fair and reasonable result every time they make a claim. However, every policy has terms and conditions and you need to be aware of these so you don’t end up out of pocket for things which could be avoided.
Common Reasons
- Alcohol/substance misuse
- Incorrect information
- Cancelling your flight due to delay
- Missing flights due to traffic
- Airline bankruptcy
- Negligence
- Correct channels not followed
- Extreme sports
Additional Cover
Frequently Asked Questions
I can find cheap travel insurance online, what are the benefits of using The Insurance Centre? 
We understand that arranging travel insurance through your travel agent or a set scheme may seem like the quickest, easiest option. However this can end up costing you more for cover that isn’t necessarily relevant. We can help source a travel insurance which is suitable for you and the type of holiday you are going on.
For example, a lot of insurance will not cover specialist trips which involve adventure or winter sports. If you go on holiday and participate in what is considered a more dangerous activity, like white-water rafting, most insurance will not cover you if the claim you want to make is in relation to this.
Am I already covered for travel with my Credit Card Insurance or Private Health Insurance?
Usually no, these will not cover you if you travel abroad. They may cover for some areas of travel, however they wouldn’t provide cover which is comprehensive enough to ensure you’re financially protected in the same wide-range of scenarios as Travel Insurance.
My airline has gone bankrupt, can I claim the cost of my flights through Travel Insurance?
You may be able to if your policy covers ‘scheduled airline failure’, however Defaqto analysts found that only around half of UK travel policies would accept a claim following an airline collapse. If your Travel Insurance doesn’t cover you, there are other routes available. If you paid on credit card this will usually reimburse the costs of the flights if your holiday is Atol protected.
I have a pre-existing medical condition, can I still get cover?
Yes – The Insurance Centre will lead you through a number of questions relating to your pre-existing illness in order to get you the right cover.
I’m travelling to a high risk country, can I get Travel Insurance?
You will be unable to get travel insurance for countries which the FCO has advised against any travel, including areas of Egypt and Mali. If you’re unsure, it’s worth checking – give us a call on The Insurance Centre team will aim to find you suitable cover.
