Travel insurance help

[The rehctub]

Has anyone tried to renew travel insurance for 90 days in Europe lately, my policy along with nationwide bank account has changed to aviva and cost has nearly doubled.

 

[David and Sally]

Just gone with LV Premier. 90 days per trip. Not cheap mind but most policies limit to 30 or 60 days and only riding motorcycles up to 125cc.

 

[VXman]

Has anyone tried to renew travel insurance for 90 days in Europe lately, my policy along with nationwide bank account has changed to Aviva and cost has nearly doubled.

A lot depends on you personal medical circumstances. I still find Nationwide/Aviva competitive when you take into account Breakdown cover (for me 2 people and 3 cars). However, if you don't need worldwide cover then you might find a policy cheaper with just Europe for example.

Some comparisonwebsites allow you to filter and select 90 day policies only. Here's one i found very quicly on gocompare.com

This is Europe only, Annual cover, 90 days per trip, no medical conditions declared.

 

[Mikeco]

We have the Nationwide account but I tried Total Insurance and for 90 days with some medical issues it was £280, it is a policy geared towards repatriation for the unexpected event which is what we wanted.

 

[VXman]

I've just added a load of medical issues to my Nationwide/Aviva insurance. Thought it was time to fess up. Also requested a extension of the 31 days to 35 days (extra £35 for 4 days) Had to increase cancellation cost to £15,000 as it's an expensive trip. (Extra £75)

With Nationwide that's an additional £270 on top of £19 per month - so annually £498. The cheapest equivalent on a compare the market was £716 so Nationwide/Aviva looks good value - especially as £150-200 of breakdown is included.

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[Minxy]

Look at Virgin Money as they do 90 days.

 

[The rehctub]

We have the Nationwide account but I tried Total Insurance and for 90 days with some medical issues it was £280, it is a policy geared towards repatriation for the unexpected event which is what we wanted.

Is that with the new company Aviva?

 

[Badknee]

We use Staysure and with medical problems and repatriation for five months it was £616.

 

[nicholsong]

This is a general enquiry about the UK Travel insurance market.

Do they only cover UK Residents? if so, how is it defined and what evidence do they require, since there is no proof of residence for a UK Citizen?

What does 'Cancellation' cover include for a MH, if for example one had no ferries booked, but could no go because a relative was ill or the MH were unroadworthy?

 

[Mikeco]

Is that with the new company Aviva?

My Nationwide insurance does not expire until mid January so did not even try, just got a quote from Total which is 90 days from January 14 so paid for that as it seemed reasonable.

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[bellabee]

Nationwide comes up much more expensive for us, now that you have to upgrade separately for each individual extended trip.
A single extension to 90 days was in the region of £480. We do two 90 day trips per year, so add that to the £18 per month and it's very expensive.
I've had an annual muti trip quote from Virgin, covering all trips up to 92 days - can't remember the exact amount but it was under £400.
Bye bye, Nationwide.

 

[Nanniemate]

This is a general enquiry about the UK Travel insurance market.

Do they only cover UK Residents? if so, how is it defined and what evidence do they require, since there is no proof of residence for a UK Citizen?

What does 'Cancellation' cover include for a MH, if for example one had no ferries booked, but could no go because a relative was ill or the MH were unroadworthy?

Unroadworthy due to accident or maintainence? The 2nd you have little chance breakdown on route is another story

 

[Minxy]

This is a general enquiry about the UK Travel insurance market.

Do they only cover UK Residents? if so, how is it defined and what evidence do they require, since there is no proof of residence for a UK Citizen?

Wording on the Virgin policy is quite clear, it is your home in the UK, nothing to do with residency, so you'd have to prove that you had a home here to be covered if you needed to make a claim. Being the owner of a rental property won't mean it can be classed as 'your home'.

What does 'Cancellation' cover include for a MH, if for example one had no ferries booked, but could no go because a relative was ill or the MH were unroadworthy?

I suspect unless you have something booked you'll have no way to prove you intended to go away and therefore how could you make a claim for something you haven't incurred a cost for? You could of course have accommodation booked, eg a campsite which would likely be sufficient, but not having anything at all I think you'd be told to do one.

When you apply for travel insurance one of the questions is about whether there is a 'relative' etc who may prevent you from going, if you declare that then you won't be offered cover, same as when you are undergoing medical investigations/tests, no cover offered.

 

[Minxy]

Look at Virgin Money as they do 90 days.

Just had a shuftie and it's 94 days now with their Gold cover.

 

[Puddleduck]

When you apply for travel insurance one of the questions is about whether there is a 'relative' etc who may prevent you from going, if you declare that then you won't be offered cover, same as when you are undergoing medical investigations/tests, no cover offered.

Yes, no one would quote for our last proposed trip due to my Mum's age and the possibility we might have to cut short the holiday.

When away in the motorhome and having to come early due to a relative's illness I never even considered claiming on the insurance.

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[carolyn]

We’ve cancelled holidays twice. The first was a package tour when my Dad was diagnosed with inoperable bowel cancer. We moved him in with us. We got a full refund minus the excess.

The 2nd time we broke down in the motorhome on the way to the ferry. It was before we retired so it wasn’t as though we could move the booking. We tried to phone P&O but it was a Sunday night so no joy. Once again got the ferry money back plus the first week as we had booked that. The insurance company didn’t want any proof of the P&O ferry bit, they must have been able to check that direct.

Most travel insurance says you have to leave from your UK home and a lot say you have to be registered with a UK GP for 6 out of the preceeding 12 months. Not sure how they can check for certain. If you had a huge medical claim I wonder if in the future Insurance companies might be able to check how long you’ve been away through ETIAS.

Interestingly for the first time ever I did see on my GP surgery website in the travel section that if you’re out of the Country for more than 3 months you should inform them! They will deregister you and you can reregister you when you get back.

 

[nicholsong]

Wording on the Virgin policy is quite clear, it is your home in the UK, nothing to do with residency, so you'd have to prove that you had a home here to be covered if you needed to make a claim. Being the owner of a rental property won't mean it can be classed as 'your home'.
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I suspect unless you have something booked you'll have no way to prove you intended to go away and therefore how could you make a claim for something you haven't incurred a cost for? You could of course have accommodation booked, eg a campsite which would likely be sufficient, but not having anything at all I think you'd be told to do one.

When you apply for travel insurance one of the questions is about whether there is a 'relative' etc who may prevent you from going, if you declare that then you won't be offered cover, same as when you are undergoing medical investigations/tests, no cover offered.

Thanks Mel.

But why do they tailor it only for the UK market when they could attract a wider market?

Geoff

 

[Mleabon]

Anyone with medical issues should try 'Insurance With' which was started by a lady with cancer who was disgusted at the prices from other companies. We paid £576 for up to 45 day trips. This was for the year. My wife has cancer and some companies wanted well over £1500. She had to have an interview with their medics to extend from 30 to 45 days but very much worth it. 30 days was approx. £310.

 

[Clive Bishop]

Has anyone tried to renew travel insurance for 90 days in Europe lately, my policy along with nationwide bank account has changed to aviva and cost has nearly doubled.

Yes totally dissatisfied with my Nationwide flex plus account not onl have they increased from £13to £18 but my 90day went up with Aviva by over £500 hence I did not take out insurance.so they lost out and I didn't get any insurance cover.

 

[Rodders1234]

Just had my cmc red pennant renewal for EU travel and breakdown cover at £643 plus cmc uk mayday personal breakdown cover £140 total £783. Just opened Nationwide acc at £18/mth with £175 switching incentive. Travel insurance upgrade is £121 so I still think I have a saving about £400. Nationwide has worldwide travel cover, mobile phone cover and eu breakdown cover.

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[Mike1000]

We used Saga annual multi travel gives 90 days in 180 and covered for 2 trips in the annual period for £243.00

 

[frenchie46]

A lot depends on your age, your MH's age, and whether you need breakdown cover. At 78 and 75 yrs old, and needing European breakdown and recovery cover for cars and an old motorhome, at £18pm as from January, plus a £70 age supplement, Nationwide Flex Plus acc is a no-brainer for us. Last time I tried, when I was 75, I couldn't get similar health insurance elsewhere for less than £400pa and I couldn't find full European Breakdown and recovery for several vehicles for less than £270pa (that was in 2001). So each case will be different and your circumstances could mean you could find that level of cover for health and breakdown for less than the £286 I'll be paying next year.

 

[The POPs]

I've just added a load of medical issues to my Nationwide/Aviva insurance. Thought it was time to fess up. Also requested a extension of the 31 days to 35 days (extra £35 for 4 days) Had to increase cancellation cost to £15,000 as it's an expensive trip. (Extra £75)

With Nationwide that's an additional £270 on top of £19 per month - so annually £498. The cheapest equivalent on a compare the market was £716 so Nationwide/Aviva looks good value - especially as £150-200 of breakdown is included.

Nationwide increased monthly fee and recently switched to Aviva and covers as discussed above. But some be aware they
do not cover medical issues even if “cronnic” and no longer an issue! I told them that I had Lymphocytic Leukaemia (Blood Cancer) which they would not cover
Wish I not mentioned it !!!

Anyone with medical issues should try 'Insurance With' which was started by a lady with cancer who was disgusted at the prices from other companies. We paid £576 for up to 45 day trips. This was for the year. My wife has cancer and some companies wanted well over £1500. She had to have an interview with their medics to extend from 30 to 45 days but very much worth it. 30 days was approx. £310.

 

[denisejoe]

A lot depends on your age, your MH's age, and whether you need breakdown cover. At 78 and 75 yrs old, and needing European breakdown and recovery cover for cars and an old motorhome, at £18pm as from January, plus a £70 age supplement, Nationwide Flex Plus acc is a no-brainer for us. Last time I tried, when I was 75, I couldn't get similar health insurance elsewhere for less than £400pa and I couldn't find full European Breakdown and recovery for several vehicles for less than £270pa (that was in 2001). So each case will be different and your circumstances could mean you could find that level of cover for health and breakdown for less than the £286 I'll be paying next year.

No over 70s age supplement with Aviva; that was with UK insurance.

 

[Mike Hawkins]

Has anyone tried to renew travel insurance for 90 days in Europe lately, my policy along with nationwide bank account has changed to aviva and cost has nearly doubled.

Look at Globelink who we use.

Has anyone tried to renew travel insurance for 90 days in Europe lately, my policy along with nationwide bank account has changed to aviva and cost has nearly doubled.

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[VXman]

Nationwide increased monthly fee and recently switched to Aviva and covers as discussed above. But some be aware they
do not cover medical issues even if “cronnic” and no longer an issue! I told them that I had Lymphocytic Leukaemia (Blood Cancer) which they would not cover
Wish I not mentioned it !!!

My calculations included the increased fee. In fact I over did it! They will still cover you but not cover anything related to that particular condition.

 

[LaughingPlumber]

Nationwide comes up much more expensive for us, now that you have to upgrade separately for each individual extended trip.
A single extension to 90 days was in the region of £480. We do two 90 day trips per year, so add that to the £18 per month and it's very expensive.
I've had an annual muti trip quote from Virgin, covering all trips up to 92 days - can't remember the exact amount but it was under £400.
Bye bye, Nationwide.

We’ve talked to Aviva/ Nationwide about 90 day trips. We’re advised that as long as the trips start and finish from UK and have “a couple of days “ at the home address, there is nothing added for multiple 90 day trips. We’ll fly home for a few days, visit the UK family and collect new prescription haul while we’re here

 

[Stepheno]

Anyone with medical issues should try 'Insurance With' which was started by a lady with cancer who was disgusted at the prices from other companies. We paid £576 for up to 45 day trips. This was for the year. My wife has cancer and some companies wanted well over £1500. She had to have an interview with their medics to extend from 30 to 45 days but very much worth it. 30 days was approx. £310.

Insurance With very competitive on the medical side. I declared my treatment for prostate cancer. Most quotes for annual cover went through the roof. IW asked very detailed questions via questionnaire - felt like they were really assessing the risk rather than covering themselves by loading the premium. Have not had to make a claim and haven't compared other aspects of the cover

 

[bellabee]

LaughingPlumber Maybe it would be a good idea to give them another call in order to double check.
Having seen your post, I called them again and the unequivocal reply was that we'd pay for an extension to our February trip and pay again for our extended, late summer trip.
This is the second time I've been given this information by them.
Maybe your circumstances are different from ours bu please ensure that you do not leave yourself with insufficient cover.

 

[Minx55]

Has anyone tried to renew travel insurance for 90 days in Europe lately, my policy along with nationwide bank account has changed to aviva and cost has nearly doubled.

Hi..
We have just renewed our policy with Nationwide/Aviva, but under protest!!
Last year we paid about 170.00 pounds for 90days and including my husbands medical conditions and age extension..this year we have paid 845.00 after consulting many providers, some would not cover, others wanted cple of thousand...total rip off. Next year, we will return to uk after 31days for1 day as this will then be within the conditions n flts will cost less. Though will definately check out some of the companies listed by other members.

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