insure and go travel insurance renewal

Freephone our UK Team

0800 072 6778

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Travel Insurance

Medical travel insurance

Seniors travel insurance

Europe travel insurance, worldwide travel insurance, coronavirus travel insurance, insureandgo.

• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
• 24/7 emergency medical helpline

Covered 27 million+ travellers

Trusted for 20+ years

24/7 emergency helpline

Why choose InsureandGo?

5 Star Defaqto rated products

27M+ travellers covered since 2000

99% of customers would recommend us 2

24/7 emergency medical assistance

All medical conditions considered

No upper age limit on all policy types

100+ sports and activities covered

99%+ of all claims paid within 5 working days 3

Comprehensive cover with 5-Star products and service

Our Black level policy has been rated 5-Star by the independent experts at Defaqto since 2011. Both our Gold and Black policies are rated 5-Star, meaning they offer some of the most comprehensive travel insurance cover available.

Which policy suits you?

Annual multi-trip travel insurance from £50.93 4.

Covering all of your trips whenever you want to travel in the next 12 months

• Cover for an unlimited number of trips
• 365 days cover
• Flexibility to travel wherever you want in the United Kingdom, Europe or Worldwide

Single trip travel insurance from £7.00 5

Covering you for one trip whether a weekend break or a month long getaway

• Cover for one trip to your chosen countries

InsureandGo's cover for your travel needs

Over 70s travel insurance

No upper age limits

At InsureandGo, we think travel insurance should be available to as many people as possible.

Both our single trip travel insurance and annual multi-trip travel insurance have no upper age limit.

Cover for medical conditions

Travel with freedom, knowing you are covered for your pre-existing medical conditions. Our medical travel insurance covers many conditions free of charge. But it's important to tell us about them before you buy your policy.

Serious medical condition?

Do you have a serious medical condition that may benefit from being insured by a specialist provider?

If so, you can click here to view a directory of specialist medical providers, or call 0800 138 7777 .

InsureandGo policies tailored to suit you

Aside from the policy essentials, we also offer a range of upgrades so that you can tailor your holiday cover depending on what you'll be doing abroad and what you might be taking with you. These optional upgrades include:

Winter sports - if you're off to the slopes, you'll need to add winter sports insurance. Cover can be added to single trips or for up to 17 days on annual multi-trip policies.

Extreme sports travel insurance - you can add cover for any hazardous activities you have planned, from canyon swinging to sky diving.

Gadget and valuable - all policies include baggage cover, but you can add this cover if you're taking something particularly valuable away with you, such as a laptop.

Business cover - will provide cover during your business trip for work equipment, accidents, illness, flight cancellations and more.

Ready to get your travel insurance sorted?

• Unlimited emergency medical expenses available on Black policies.
• Based on 2,050 responses, correct as of 22/01/2024
• 99%+ is based on non-assistance claims approved for payment during October 2022 to October 2023. 5 working day window commences when insurers have received all relevant information and documentation to confirm claims cover.
• Price stated is for a 47 year old with no medical conditions for a Silver Annual Multi-trip cover to Europe. Price is correct as at 28/02/2023 with 10% off base price discount applied.
• Price stated is for a 47 year old with no medical conditions for a Silver Single 3 day trip to France. Price is correct as at 28/02/2023 with 10% off base price discount applied.

InsureandGo Review

Insureandgo travel insurance covers the basics well and a plan geared for cruises..

Top Ten Reviews Verdict

Although it does not cover the less likely trip emergencies, InsureandGo nonetheless covers the standard travel insurance needs well and is a choice worth considering if you're looking for bargain or cruise-specific options.

Offers cruise cover

Good basic coverage

Only covers UK, Ireland and Australian travelers

Online-only

Why you can trust Top Ten Reviews Our expert reviewers spend hours testing and comparing products and services so you can choose the best for you. Find out more about how we test .

InsureandGo is a UK-based travel insurance company that provides coverage for travelers living in the UK, Ireland and Australia. An online-only insurer, InsureandGo offers a wide range of coverage and in the UK will consider coverage for any medical conditions, includes children on annual policies for free, and covers up to 50 adventure activities. 

InsureandGo review: Plan options

InsureandGo travel insurance covers the basics for reimbursement should you have to cancel your trip or have a medical emergency during your travels. It also has a plan geared for cruises. While it lacks some of the features commonly found with the best travel insurance agencies, it is one of the cheapest we evaluated.

We priced out three different plans – a Mississippi river cruise, a vacation in France and an Antarctic adventure. In each case, InsureandGo's plans were significantly cheaper than most of the others in our lineup – sometimes hundreds of dollars below the average. In order to provide these less expensive plans, this trip insurance company does not cover some of the popular but less likely events that others insure, such as trip cancellation due to airline, tour company or cruise line insolvency. It also does not reimburse some of the smaller expenses, like change fees or lost prescriptions, and it lacks a concierge service that most travel insurance companies provide gratis.

InsureandGo review: Coverage

If you are more interested in the basic coverage, however, you may find it's a good deal. It compares well to other plans for how much it reimburses for cancellations, interruptions and delays, and is above average when it comes to lost luggage or baggage delays. It's one of the highest for covering medical expenses. In addition, it has cruise plans with extra coverage for missed departures and compensation for missed cruise days should illness confine you to your cabin.

This company does not provide concierge services, such as a hotline to call to get restaurant reservations, hotel recommendations or even help finding a lawyer. However, for medical emergencies, InsureandGo can locate a doctor for you. As with any insurance, the features, prices and terms vary by your need, so be sure to check the online contracts when you price out your specific plan. This agency does not reimburse lost mileage or cancellations due to default by the carrier. 

InsureandGo review: Making a claim

We found the procedures and rules for filing to be about average. The travel insurance agency is clear about what it requires, specifically noting proof in writing for any event that may lead to a claim. As with other travel insurance companies, you need to download the form, but the forms include a checklist of the required paperwork. If you have questions of an administrative nature, you need to call during business hours, but there is a 24/7 line to call if you have an emergency while on your trip.

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Should you choose InsureandGo?

While InsureandGo does not cover all the features of other higher-ranked travel insurances we reviewed, it nonetheless does a good job at covering the basics, with above-average compensation for medical needs and some extra considerations for cruises. The paperwork checklist on the claims form makes it easier to file a claim. It lacks some amenities like concierge service and a 24/7 line for non-emergency questions, but with one of the lowest rates of the insurances we reviewed, it's worth pricing out.

Noel has worked as a reporter and editor for many online and print publications including the Salt Lake Tribune and the Ogden Standard-Examiner, covering diverse beats like education, city development and politics. He also wrote and edited an online monthly magazine for the nutritional supplement company Max International. Noel has degrees from the University of Utah and Weber State University in psychology, English and creative writing and is passionate about writing in all its forms.

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To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

InsureandGo Travel Insurance Review

Published: Mar 20, 2024, 9:26am

InsureandGo is a high-ranking travel insurance policy for Australians, well suited towards multi-generational families travelling together due to its maximum age limit of 100 and automatic cover for children under 18 years old travelling with parents or grandparents.

• 10% discount online with the code Offer10. The company also regularly releases updated discount codes on its Facebook page
• Very positive reviews online via ProductReview
• No credit card fraud coverage
• While the website states most pre-existing medical conditions are covered, an assessment is required

Table of Contents

About insureandgo travel insurance, what is and isn’t covered.

Featured Partners

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

On Cover-more’s secure website

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

InsureandGo Australia was established in 2000 and is a wholly owned subsidiary of Europ Assistance. It offers Australians different tiers of travel insurance–bare essentials, silver and gold–with all policies underwritten by Mitsui Sumitomo Insurance Company Limited.

InsureandGo is highly regarded by Australian travellers, receiving a score of 4.0 from 6,243 reviews on the leading consumer opinion site, ProductReview.

In the following review, Forbes Advisor has analysed InsureandGo’s Gold policy, as this is its most comprehensive policy available.

The InsureandGo Comprehensive Travel Insurance policy is available to all Australians up to the ripe old age of 100, with children up to 18 also included if they are travelling with parents or grandparents. (For cruise cover add-ons, Australians are only covered up to 79 years of age).

While InsureandGo won’t cover fraudulent credit card activity, it will cover credit card replacement. Additionally, there is personal liability cover up to $5 million and up to $8,000 for car hire excess cover.

There is unlimited cancellation cover with the InsureandGo Comprehensive Travel Insurance policy, however, there is no cover for missed connecting flights if the stopover on itinerary is less than six hours.

Lost Luggage

InsureandGo provides $15,000 in cover for lost luggage on its Gold policy. There are sub-limits that apply, including $3,000 for laptops, cameras, tablets, mobile phones and the like.

Customers can choose to increase cover limits for certain items if required.

Unlimited overseas medical expenses are included with InsureandGo travel insurance. This includes emergency surgery, ambulance costs or repatriation.

In regards to pre-existing medical conditions, the InsureandGo website claims that “most conditions” are covered by the policy. However, a medical assessment is required to determine whether cover will be provided, rather than being automatically included in the policy.

Is Dental Cover Included in Medical?

InsureandGo does not include dental in its unlimited medical cover, but it does still provide cover for emergency dental treatment up to the value of $500.

Does it Cover Me for Covid?

Yes, overseas medical expenses related to Covid-19 are covered. Cancellations or trip interruptions due to Covid are also covered for the policyholder and their travelling companions, up to the value of $5,000.

What about Pregnancy?

Pregnancy is included within the unlimited medical cover, with complications of pregnancy and childbirth also covered–but only until week 30 of the pregnancy for individual babies. For multiple babies (such as if you are pregnant with twins), InsureandGo will only provide cover until week 20.

What about Sports and Activities?

InsureandGo provides automatic cover for 90 different sports and activities, which are laid out within its product disclosure statemen t. There are additional activities that may be covered, but only if certain criteria are met.

The excess payable also varies from sport to sport, so it is essential for travellers looking to partake in sports and activities while abroad to carefully review the InsureandGo PDS.

Examples of activities that will not be covered under any circumstance by InsureandGo include cliff diving, paragliding, running with the bulls and more. InsureandGo states in its PDS that its list of excluded activities is “not a definitive list”, and rather is “intended to provide examples of sports and activities where cover is not available under this policy in any circumstances”.

To be covered for snow sports, travellers will need to purchase the additional snow sports cover.

Customer Service

InsureandGo provides 24/7 emergency assistance to its customers, providing peace of mind if you are overseas and are in need.

For general enquiries, InsureandGo has a non-emergency phone number as well as an email, both of which are monitored from Monday to Friday, 9am to 5pm.

The company states that it is currently in the process of upgrading its Claims Website, which means at the time of writing, customers need to submit claims via email after following the instructions online.

Frequently Asked Questions (FAQs)

Is there an insureandgo discount code.

No, at the time of writing, InsureandGo does not have any active discount codes. The InsureandGo website states that it often updates its promo codes via Facebook, so all prospective customers should check the InsureandGo Facebook page before purchasing a policy to see if a discount is available.

Who underwrites InsureandGo travel insurance?

InsureandGo is underwritten by Mitsui Sumitomo Insurance Company Limited.

Does InsureandGo offer domestic travel insurance?

Yes, just as it offers three levels of international travel insurance–bare essentials, silver and gold–InsureandGo also offers its customers domestic travel insurance with the same tiers.

InsureandGo also has policies for annual multi-trip insurance, cruise coverage and backpacker travel insurance.

What is InsureandGo Travel Insurance's telephone number?

InsureandGo provides 24/7 emergency assistance to its customers via +612 9333 3999.

For general enquiries, InsureandGo has a non-emergency phone number as well as an email, both of which are monitored from Monday to Friday, 9am to 5pm. These are:

• Phone (within Australia) : 1300 401 177
• Phone (outside Australia): +612 7201 9532
• Email: [email protected]

Where can I find InsureandGo's policy documents?

You can find all InsureandGo’s policy documents, also known as product disclosure statements (PDS), online here .

InsureandGo says the PDS’ available on their website are the most up-to-date documents.

“In order to download the PDS which is applicable to your policy based on the date of purchase, login into your account and you will find the exact document,” the website states.

Can I buy travel insurance with InsureandGo after booking?

Yes, you can purchase a policy via InsureandGo after you have already booked your holiday; however, it’s important you make sure the policy covers all activities you intend to partake in, and all the countries or areas you are visiting. It is recommended to take out an insurance policy immediately after booking a trip, rather than waiting until the last minute.

Does InsureandGo Travel Insurance have good reviews?

Yes, InsureandGo has been reviewed positively both by Forbes Advisor Australia and in public customer reviews.

On ProductReview, InsureandGo has received 4.0 stars from 6,243 customer reviews.

When choosing our pick of the best comprehensive travel insurance policies , InsureandGo came in fourth place, scoring 4.4 stars.

Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany site, Sophie has worked closely with finance experts and columnists around Australia and internationally. Sophie grew up on the Gold Coast and now lives in Melbourne.

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Freephone our UK Team

0800 072 6778

Sales & Service

Monday to Friday: 8:30am to 8pm Saturday: 9am to 5:30pm Sunday: 10am to 5:00pm

Monday to Friday: 9am to 7pm Saturday: 9am to 5:30pm

Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, family travel insurance.

• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
• 24/7 emergency medical helpline

Covered 27 million+ travellers

Trusted for 20+ years

24/7 emergency helpline

Arranging a family holiday can be stressful enough without worrying about travel insurance. That’s why we make getting covered as quick and simple as possible.

All our family travel insurance policies include automatic cover for over 100 sports and activities at no extra cost.

What is family travel insurance and do you need it?

Family travel insurance is holiday cover for every member of the family, all under the same policy. Typically, family travel insurance will cover one or two adults and between one and eight children aged under 18.

• A traveller visiting Thailand suffered a serious blood infection needing intensive medical treatment and an air ambulance back to the UK. The total bill was £250,000 paid by the travel insurer.  
• A holidaymaker in Spain needed private medical treatment for a kidney infection. This cost £15,000 , covered by her travel insurance. 
• Real customer claims we’ve paid out include; £42,227 for a superficial head injury in Turkey, and £239,743 for a spinal fracture in the USA.

If you’re heading out with the whole family, costs can quickly stack up. Making sure you’re covered in the event of an emergency is a weight off your mind. We’ll also cover costs for other unexpected issues and mishaps, like losing your luggage or problems with your accommodation, leaving you free to make memories with your family, worry-free.

What does InsureandGo’s family travel insurance cover?

What’s covered.

All our family holiday insurance policies include:

• Medical emergency expenses cover
• Cover for cancellation of your trip
• Our 24-hour emergency assistance team , available to call, day or night, wherever you are
• Over 100 sports and activities covered (see your policy wording for a full list of activities)
• Personal belongings and baggage cover
• Personal money, passports and travel documents cover
• Accommodation cover
• Legal expenses cover
• Delayed departure cover
• Personal accident cover

What’s not covered

We aim to provide as much cover as possible, however, there are some situations that travel insurance will not cover. For example:

• You cannot cover events or reasons to claim which took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
• Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
• All of our family travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go

Find out about our optional add ons for activities like extreme sports , winter sports , cruises and golf . 

We will consider all pre-existing medical conditions, find out more about medical travel insurance . The excess and amount of cover available varies depending on the level of USA travel insurance you buy.

To check the policy exclusions and what is and isn’t included, make sure you have a look at our policy wording to see the full terms and conditions.

Age restrictions

We think family holiday insurance should cover the whole family. That’s why our policies have no upper age limit. Please note that we do not cover anyone over the age of 65 for winter sports like skiing or snowboarding. 

The amount of valuables cover available depends on the policy you choose. Make sure you have a look at our policy wording to see the full terms and conditions, including what is and isn’t covered. If you’ll be taking away something a bit more expensive you can add our valuables extension .

The best family travel insurance for your holiday

All families are different, which is why we offer different types of insurance for every family. Not sure what policy is right for you? Here’s what we’d recommend. 

• Doing one big family trip this year? Our single trip insurance may work out cheaper for you and your family.
• Heading out a few times? If you buy one of our annual multi-trip policies , you can travel as often as you like for an entire year!
• Doing a trip with family friends? If multiple families are travelling together, we can offer group insurance policies.
• Taking the grandparents? If you’re going on a multi-generational holiday, you can have kids, adults and grandparents all on one policy. Great grandparents too, if you like – our policies have no age limit .
• Doing something special? We can cover winter sports , extreme sports , cruising and hiking for the entire family. 
• Want to expand your current policy to other family members? We can help with that. You can either manage your policy online or give our team a call and we’ll be happy to help.

Choose a cover level to suit your travel needs

Family travel insurance with pre-existing medical condition cover.

We don’t think that having a pre-existing medical condition should get in the way of a holiday. This is why we cover more than 1,300 pre-existing conditions, many at no extra cost. 

If you or a family member has a pre-existing medical condition, we can offer medical travel insurance . We’ll simply ask a few questions about the condition so you have more time to get on with your holiday planning. 

Examples of medical conditions we can cover include:

• Heart-related conditions
• High blood pressure
• High cholesterol
• Disabilities
• Epilepsy or Stroke

We consider a pre-existing medical condition if you’ve:

• Taken any prescribed medication or received medical treatment within the last 2 years
• Been registered in or been an outpatient at a hospital, clinic or GP surgery in the last 2 years.
• Been advised of a terminal illness.

Before buying a family travel insurance policy, you must let us know about any pre-existing conditions you or your family members have. Just call us or use our quick and easy online medical screening system.

Which destinations are covered by our family travel insurance?

We offer family travel insurance policies based on the following destination groupings:

• Europe (plus countries bordering the Mediterranean Sea, plus Madeira and The Azores)*
• Worldwide (except the USA , Canada, Mexico and the Caribbean)

*Europe includes: Albania, Andorra, Armenia, Austria, Azerbaijan, Azores, Balearics, Belarus, Belgium, Bosnia And Herzegovina, Bulgaria, Canary Islands, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey.

If you’ve already bought annual multi-trip travel insurance for a particular area but are now going to be travelling further afield, we can upgrade your cover to include the new destination. Alternatively, you could purchase separate single-trip cover instead, but upgrading your annual travel insurance policy to include worldwide cover can often work out cheaper. If you’d like to discuss these options, or you’re still unsure which area your trip falls into, please contact us .

How to book our family travel insurance#

We know planning a family holiday can be complicated, so we make getting your family travel insurance as easy as possible:

1. Let us know about your trip

We need to know a bit about your trip, who you want to cover and when you want the policy to start. We will also ask you for information regarding any pre-existing medical conditions so that we can provide you with the right level of cover. 

It’s quick and easy to give us this information, either online or by calling our team:

2. Get your quote

Once we have all the details we need, we will send you your quote. At this stage, you can go ahead and buy your policy or save the quote for the future.

“Family travel insurance is an easy, hassle-free way to make sure that everyone in your family is covered on family holidays. Simply get the kids in the car, and go. We can even cover grandparents, as our policies have no upper age limit. That’s a weight off your mind!” Russell Wallace – Travel insurance expert

Our reviews speak for themselves

Here’s what our other customers have to say about us.

Frequently asked questions on travel insurance for families

Does family travel insurance cover individuals.

Yes, our family travel insurance policies cover any adults over the age of 18 who want to travel alone. If you buy annual multi-trip family travel insurance, every adult on the policy over 18 is insured to travel independently.

Can children travel independently on family travel insurance?

Any children under 18 need to travel with an adult named on the family travel insurance policy to be covered. 

However, any adults over 18 who are named on the policy can travel abroad at any time to be insured. Every adult on the policy is insured to travel independently.

Do I need family travel insurance for a UK holiday?

We’d recommend getting family travel insurance for any holiday, including a staycation. While your medical costs would be free if you’re staying in the UK , family travel insurance also covers other holiday mishaps, such as lost luggage, delays and cancellations.

Is family travel insurance cheaper than individual insurance?

We tailor pricing on an individual level, so the price of each policy will vary based on the individuals in the family.. You also can’t buy an individual policy for under 18s, so a family or group policy is essential to cover anyone younger than this. 

One of the main benefits is that the family policy is less hassle. You’ll only have one policy to look at, one set of documents, and one provider to contact in case of an emergency. That’s a lot less to worry about.

Does travel insurance cover cancellation due to family illness?

Need to cut your family holiday short due to illness? We know this is the last thing you’d want to think about when planning time away but if anything was to happen and you needed to cancel/shorten your holiday then know you’re covered.

When should I buy family travel insurance?

You should purchase family travel insurance as soon as you have booked your holiday. This is a great way to ensure that you don’t forget to buy it, and you can avoid a last-minute scramble to get a policy later. 

If that’s not possible, simply buy a family travel insurance policy as soon as possible. Don’t forget that you’ll need to have a policy in place before you leave the UK for it to be valid.

How much is family travel insurance?

The cost of family travel insurance varies, as it will depend on a few different factors. An insurance provider will need to know how many people they’ll need to cover, what their ages are, and whether they have any pre-existing conditions. It’s also likely they’ll want to know where you’re going on your family holiday, and whether or not you’ll be doing any activities, such as winter sports or extreme sports.

Do I need family travel insurance if we all have GHIC cards?

Yes, you’ll need family travel insurance even if you all have GHIC cards. The UK Government advises that all British nationals get the correct type of travel insurance before leaving the country.

The GHIC, formerly known as the EHIC, covers medical expense costs but does not insure you against anything else, such as transportation to and from a hospital, lost luggage, cancellations, delays or legal expenses.

Can I get a family policy for winter sports?

Yes, you can get a family policy for winter sports. All you need to do is add winter sports cover to your policy when you’re getting your quote. That way, the whole family is covered.

Already got a family policy that you need to add winter sports cover to? You can either manage your policy online or give our team a call and we can do that for you.

Can I get family travel insurance as a divorced or separated parent?

Yes, our Family Travel insurance covers children (even if they do not live with you) and stepchildren.  You will need to declare all their details, including medical conditions

Who can buy an InsureandGo family travel insurance policy?

All our family travel insurance policies are available to UK residents. This means:

• Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
• They must be in the UK at the time of buying
• All trips must start and end in the UK

Get a quote online or browse our policy documents for more information.

Travel insurance guides

Frequently asked questions.

If you’ve got more questions about how our family travel insurance works, or more general travel insurance queries, have a read through our FAQs .

Travel advice

Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.

Travel insurance reviews

If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.

• Unlimited emergency medical expenses available on Black level policies.
• Based on 2,050 responses, correct as of 22/01/2024

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Reviews 4.8.

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After four years of not going on…

After four years of not going on holiday due to ill health i did not know how I would get on with answering medical questions.The lady I spoke to (Hilda) was the most helpful person I could of wished for.My husband and I can now go and enjoy a week in the sun knowing we are properly insured Thanks again for your five star service

Date of experience : April 18, 2024

I already had insurance with Insure and Go which was due for renewal at the end of this week. I received emai saying thanks for renewing. I phoned to say it was early and I was wishing to discuss quote.i spoke to Autumn who was lovely and so helpful and professional. Autumn sorted me out a new policy which was better than my existing policy. Excellent service.

Date of experience : April 17, 2024

Pleasant and helpful.

I was very happy with the pleasant and helpful service I received from your employee, Alex. I was grateful for his patience and information provided when I asked for other options and even when I changed my mind again. Thanks. Great experience.

Choosing a travel insurance policy

Maddy was very helpful and informative which made the decision easier to make on what policy I should take out. It also encouraged me to use your company rather than others I have contacted.

Great Customer Service

Having received a renewal note on line I phoned InsureandGo with a specific query. This was dealt with quickly and efficiently by Finn who also arranged for renewal over the phone and at an even more competetive price than I expected. Great Customer Service!

Date of experience : April 15, 2024

Clear information and support

We were given very clear information and options. We were helped through the details of how to express various health answers and our advisor conscientiously checked a couple of issues with his manager. No hard sell, lots of help and making it all feel straightforward.

Date of experience : April 11, 2024

Lucy was very helpful

I called helpline because I was finding it difficult to renew polcy online . Spoke with Lucy who was very helpful. I have now renewed my poicy and arranged auto renewal now Thanks to Lucy

Realy Good Customer Service…

No long wait on the phone to get a Quote and renew my policy. Very helpful taking me through the process to complete the medical cover information required. As a returning customer I got exactly what I required plus an add on for very little more than I had paid the previous year

Date of experience : April 16, 2024

George helped take me through the…

George helped take me through the medical questions during the renewal process. Very polite and helpful young man. Happy to see premium not increased as in previous years.

Spoke to Amy who was extremely helpful…

Spoke to Amy who was extremely helpful and knowledgeable, she phoned me back as promised and fully explained the process for my new policy. Amy is a credit to InsureandGo.

Extremely helpful and pleasant customer service

Maddy at customer service was extremely helpful. Gave me all the information I needed to make an informed choice. Explained all the relevant details thoroughly. She was very pleasant and friendly person and I was happy to accept the quote she gave me.

More haste less speed.

Good service except when my documents came through on line the address house number read as 9 9 instead of 9. Which meant ringing up and once again having to endure the verbal diahorea, before getting through to someone, who then had to transfer me to somebody else. The daily grind of dealing with large companies.

Owen is a great advocate for Insure & Go

Owen was super friendly, respectful and helpful. He explained the various options and made sure that all our medication etc was fully disclosed. Owen explained the gold policy that I purchased and the benefits. Altogether a good experience.

reviewStaff were very pleasant and curious

Staff were very pleasant and curious, quickly sorted and ready to go. Only minor is cost as it's risen by £324.75 since last year and unfortunately it's my lifeline to be able to travel abroad in order to see my family.

Insure and go consultant was very helpful.

Rang up to renew our travel insurance. Spoke to ABS who was the insurance consultant. He was friendly but professional and answered all our questions and was very helpful. Thank you.

Very helpfull not pushing.

Very helpfull not pushing you to get top insurance and have a good knowledge of medical problems you may have, a very friendly sales person. The only problem was not a very clear phone line.

Insurance for River Cruise.

A prefect telephone service from a most helpful and pleasant assistant, Louise. She was extremely polite and took an interest in me as a customer. All aspects of the policy were clearly explained.

Great easy experience

Abdullah did not push me to accept the quote. He was polite,informative,knowledgeable and friendly throughout. Good cover for a very good price

Excellent Travel Insurance Company

Have used InsureandGo for years and have always found them very easy to deal with. Was looking to alter the date of my auto-renew and change the zones covered. Aaron was extremely helpful and it was all sorted in a few minutes.

I would choose another company

Quick to take my money and give me ‘cover’ but 2-3 months after incident aboard where my bag was stolen. They have done nothing to make sure I’m covered and reimbursed. Keep getting told ‘ we will get back to you shortly’ so slow to help compared to other company’s I’ve used in the past. I wouldn’t be using there service again.

Date of experience : January 17, 2024

Reply from InsureandGo UK

Good afternoon Callum. Thank you for sharing your feedback with us. We apologise for any inconvenience caused by the delay in settling your claim. We understand that waiting for a resolution can be frustrating, and we want to assure you that we take your concerns seriously. I will escalate this matter to our claims partner and ensure that they are aware of the situation. We will strive to expedite the process, and they can then provide you with a timely resolution as soon as possible. Please rest assured that your satisfaction is our priority, and we appreciate your patience and understanding in this matter. Best regards, Reece

Suggested companies

Allclear travel insurance, staysure travel insurance, avanti travel insurance.

InsureandGo UK   Reviews

In the Travel Insurance Company category

Visit this website

Company activity See all

Write a review

Reviews 4.8.

63,305 total

Most relevant

After four years of not going on…

After four years of not going on holiday due to ill health i did not know how I would get on with answering medical questions.The lady I spoke to (Hilda) was the most helpful person I could of wished for.My husband and I can now go and enjoy a week in the sun knowing we are properly insured Thanks again for your five star service

Date of experience : 18 April 2024

I already had insurance with Insure and Go which was due for renewal at the end of this week. I received emai saying thanks for renewing. I phoned to say it was early and I was wishing to discuss quote.i spoke to Autumn who was lovely and so helpful and professional. Autumn sorted me out a new policy which was better than my existing policy. Excellent service.

Date of experience : 17 April 2024

Pleasant and helpful.

I was very happy with the pleasant and helpful service I received from your employee, Alex. I was grateful for his patience and information provided when I asked for other options and even when I changed my mind again. Thanks. Great experience.

Choosing a travel insurance policy

Maddy was very helpful and informative which made the decision easier to make on what policy I should take out. It also encouraged me to use your company rather than others I have contacted.

Great Customer Service

Having received a renewal note on line I phoned InsureandGo with a specific query. This was dealt with quickly and efficiently by Finn who also arranged for renewal over the phone and at an even more competetive price than I expected. Great Customer Service!

Date of experience : 15 April 2024

Clear information and support

We were given very clear information and options. We were helped through the details of how to express various health answers and our advisor conscientiously checked a couple of issues with his manager. No hard sell, lots of help and making it all feel straightforward.

Date of experience : 11 April 2024

Lucy was very helpful

I called helpline because I was finding it difficult to renew polcy online . Spoke with Lucy who was very helpful. I have now renewed my poicy and arranged auto renewal now Thanks to Lucy

Realy Good Customer Service…

No long wait on the phone to get a Quote and renew my policy. Very helpful taking me through the process to complete the medical cover information required. As a returning customer I got exactly what I required plus an add on for very little more than I had paid the previous year

Date of experience : 16 April 2024

George helped take me through the…

George helped take me through the medical questions during the renewal process. Very polite and helpful young man. Happy to see premium not increased as in previous years.

Spoke to Amy who was extremely helpful…

Spoke to Amy who was extremely helpful and knowledgeable, she phoned me back as promised and fully explained the process for my new policy. Amy is a credit to InsureandGo.

Extremely helpful and pleasant customer service

Maddy at customer service was extremely helpful. Gave me all the information I needed to make an informed choice. Explained all the relevant details thoroughly. She was very pleasant and friendly person and I was happy to accept the quote she gave me.

More haste less speed.

Good service except when my documents came through on line the address house number read as 9 9 instead of 9. Which meant ringing up and once again having to endure the verbal diahorea, before getting through to someone, who then had to transfer me to somebody else. The daily grind of dealing with large companies.

Owen is a great advocate for Insure & Go

Owen was super friendly, respectful and helpful. He explained the various options and made sure that all our medication etc was fully disclosed. Owen explained the gold policy that I purchased and the benefits. Altogether a good experience.

reviewStaff were very pleasant and curious

Staff were very pleasant and curious, quickly sorted and ready to go. Only minor is cost as it's risen by £324.75 since last year and unfortunately it's my lifeline to be able to travel abroad in order to see my family.

Insure and go consultant was very helpful.

Rang up to renew our travel insurance. Spoke to ABS who was the insurance consultant. He was friendly but professional and answered all our questions and was very helpful. Thank you.

Very helpfull not pushing.

Very helpfull not pushing you to get top insurance and have a good knowledge of medical problems you may have, a very friendly sales person. The only problem was not a very clear phone line.

Insurance for River Cruise.

A prefect telephone service from a most helpful and pleasant assistant, Louise. She was extremely polite and took an interest in me as a customer. All aspects of the policy were clearly explained.

Great easy experience

Abdullah did not push me to accept the quote. He was polite,informative,knowledgeable and friendly throughout. Good cover for a very good price

Excellent Travel Insurance Company

Have used InsureandGo for years and have always found them very easy to deal with. Was looking to alter the date of my auto-renew and change the zones covered. Aaron was extremely helpful and it was all sorted in a few minutes.

I would choose another company

Quick to take my money and give me ‘cover’ but 2-3 months after incident aboard where my bag was stolen. They have done nothing to make sure I’m covered and reimbursed. Keep getting told ‘ we will get back to you shortly’ so slow to help compared to other company’s I’ve used in the past. I wouldn’t be using there service again.

Date of experience : 17 January 2024

Reply from InsureandGo UK

Good afternoon Callum. Thank you for sharing your feedback with us. We apologise for any inconvenience caused by the delay in settling your claim. We understand that waiting for a resolution can be frustrating, and we want to assure you that we take your concerns seriously. I will escalate this matter to our claims partner and ensure that they are aware of the situation. We will strive to expedite the process, and they can then provide you with a timely resolution as soon as possible. Please rest assured that your satisfaction is our priority, and we appreciate your patience and understanding in this matter. Best regards, Reece

091 545 904

View opening hours

Retrieve your quote

Contact us - opening hours.

If you have any questions, queries or comments, please don’t hesitate to contact us. You can get in touch with us at the following times:

Mon-Fri 9am – 5pm

Emergency number: +353 91 545 908 (emergency overseas, 24/7)

Non-emergency claims +353 91 545 907

Suggested companies

Allclear travel insurance, staysure travel insurance, avanti travel insurance.

InsureandGo UK   Reviews

In the Travel Insurance Company category

Visit this website

Company activity See all

Write a review

Reviews 4.8.

63,305 total

Most relevant

After four years of not going on…

After four years of not going on holiday due to ill health i did not know how I would get on with answering medical questions.The lady I spoke to (Hilda) was the most helpful person I could of wished for.My husband and I can now go and enjoy a week in the sun knowing we are properly insured Thanks again for your five star service

Date of experience : 18 April 2024

I already had insurance with Insure and Go which was due for renewal at the end of this week. I received emai saying thanks for renewing. I phoned to say it was early and I was wishing to discuss quote.i spoke to Autumn who was lovely and so helpful and professional. Autumn sorted me out a new policy which was better than my existing policy. Excellent service.

Date of experience : 17 April 2024

Pleasant and helpful.

I was very happy with the pleasant and helpful service I received from your employee, Alex. I was grateful for his patience and information provided when I asked for other options and even when I changed my mind again. Thanks. Great experience.

Choosing a travel insurance policy

Maddy was very helpful and informative which made the decision easier to make on what policy I should take out. It also encouraged me to use your company rather than others I have contacted.

Great Customer Service

Having received a renewal note on line I phoned InsureandGo with a specific query. This was dealt with quickly and efficiently by Finn who also arranged for renewal over the phone and at an even more competetive price than I expected. Great Customer Service!

Date of experience : 15 April 2024

Clear information and support

We were given very clear information and options. We were helped through the details of how to express various health answers and our advisor conscientiously checked a couple of issues with his manager. No hard sell, lots of help and making it all feel straightforward.

Date of experience : 11 April 2024

Lucy was very helpful

I called helpline because I was finding it difficult to renew polcy online . Spoke with Lucy who was very helpful. I have now renewed my poicy and arranged auto renewal now Thanks to Lucy

Realy Good Customer Service…

No long wait on the phone to get a Quote and renew my policy. Very helpful taking me through the process to complete the medical cover information required. As a returning customer I got exactly what I required plus an add on for very little more than I had paid the previous year

Date of experience : 16 April 2024

George helped take me through the…

George helped take me through the medical questions during the renewal process. Very polite and helpful young man. Happy to see premium not increased as in previous years.

Spoke to Amy who was extremely helpful…

Spoke to Amy who was extremely helpful and knowledgeable, she phoned me back as promised and fully explained the process for my new policy. Amy is a credit to InsureandGo.

Extremely helpful and pleasant customer service

Maddy at customer service was extremely helpful. Gave me all the information I needed to make an informed choice. Explained all the relevant details thoroughly. She was very pleasant and friendly person and I was happy to accept the quote she gave me.

More haste less speed.

Good service except when my documents came through on line the address house number read as 9 9 instead of 9. Which meant ringing up and once again having to endure the verbal diahorea, before getting through to someone, who then had to transfer me to somebody else. The daily grind of dealing with large companies.

Owen is a great advocate for Insure & Go

Owen was super friendly, respectful and helpful. He explained the various options and made sure that all our medication etc was fully disclosed. Owen explained the gold policy that I purchased and the benefits. Altogether a good experience.

reviewStaff were very pleasant and curious

Staff were very pleasant and curious, quickly sorted and ready to go. Only minor is cost as it's risen by £324.75 since last year and unfortunately it's my lifeline to be able to travel abroad in order to see my family.

Insure and go consultant was very helpful.

Rang up to renew our travel insurance. Spoke to ABS who was the insurance consultant. He was friendly but professional and answered all our questions and was very helpful. Thank you.

Very helpfull not pushing.

Very helpfull not pushing you to get top insurance and have a good knowledge of medical problems you may have, a very friendly sales person. The only problem was not a very clear phone line.

Insurance for River Cruise.

A prefect telephone service from a most helpful and pleasant assistant, Louise. She was extremely polite and took an interest in me as a customer. All aspects of the policy were clearly explained.

Great easy experience

Abdullah did not push me to accept the quote. He was polite,informative,knowledgeable and friendly throughout. Good cover for a very good price

Excellent Travel Insurance Company

Have used InsureandGo for years and have always found them very easy to deal with. Was looking to alter the date of my auto-renew and change the zones covered. Aaron was extremely helpful and it was all sorted in a few minutes.

I would choose another company

Quick to take my money and give me ‘cover’ but 2-3 months after incident aboard where my bag was stolen. They have done nothing to make sure I’m covered and reimbursed. Keep getting told ‘ we will get back to you shortly’ so slow to help compared to other company’s I’ve used in the past. I wouldn’t be using there service again.

Date of experience : 17 January 2024

Reply from InsureandGo UK

Good afternoon Callum. Thank you for sharing your feedback with us. We apologise for any inconvenience caused by the delay in settling your claim. We understand that waiting for a resolution can be frustrating, and we want to assure you that we take your concerns seriously. I will escalate this matter to our claims partner and ensure that they are aware of the situation. We will strive to expedite the process, and they can then provide you with a timely resolution as soon as possible. Please rest assured that your satisfaction is our priority, and we appreciate your patience and understanding in this matter. Best regards, Reece

Take us away with you

Home > Family travel insurance

Family travel insurance

InsureandGo offers competitively- priced and comprehensive travel insurance for families.

Holiday cancellation

Up to €7,500 cover for holiday cancellation (Platinum product)

Cover for trips of 3 days to up to 12 months

Sports and activities

Over 50 sports and activities covered free

24/7 emergency medical assistance helpline

Going away more than once?

If you’re travelling more than once in the year, as a family or individually, you might be able to save money with our annual multi-trip insurance. The price for annual cover starts from just €62.70, with cover for an unlimited number of trips.

Medical coverage

You will have access to medical coverage up to €10 million if you choose the Platinum option.

Cancellation

All of our travel insurance policies include cover for cancellation of your trip.

Emergency assistance

If you have an emergency, you can call our medical emergency line, 24 hours a day, 7 days a week.

Transparency

We are fully transparent to our clients. There are no hidden transaction fees in your coverage.

I’ve lost my documents. How do I retrieve them?

If you have lost your policy documents, you can retrieve them online. Enter your quote number and e-mail address to access your documents. If you would like your documents resent through the post or you have forgotten your quote number or if you have any other problems accessing your documents online, please call our customer service team on 091 545 904 or email [email protected] .

What do I do if my passport is lost or stolen abroad?

You should report any loss or thefts of passports to the local police in the country you are in as soon as possible. You will need the crime reference details they provide for the APS1 (which is the Lost or Stolen Passport Notification) form. You should also report the loss or theft to the Irish embassy of the country you are in. You can get details of your local Irish embassy wherever you are by visiting the website of the Department of Foreign Affairs. The Irish embassy will issue you with replacement travel documents so you can travel back.

When will my documents arrive through the post?

Normally, we say to allow between 5 to 10 working days between you buying your policy and your documents being received in the post. However, we do always aim for your policy pack to be with you sooner. You can still travel with a printed copy of your emailed documents if the posted documents don't arrive in time.

What do I need to take on holiday with me?

We advise that you take your travel insurance certificate and the relevant policy wording booklet away with you.

You may travel with a printed copy of your emailed documents. If you are unable to print your emailed documents, simply write down your policy number and the emergency medical assistance and claims line telephone numbers from the back of our policy wording booklets which can be found here.

Read more FAQs

You also may be interested in …

Multi-trip travel insurance

Our annual travel insurance is the ideal option if you’re going to be travelling more than once this year.

Winter sports cover

If you’re going on a winter sports trip, making sure you’re covered with a comprehensive ski insurance policy is important.

Long stay travel insurance

At InsureandGo we provide cheap long stay travel insurance, which is the ideal option if you’re going away for anything up to 12 months.

Contact information

Emergency contact overseas.

In the event of an emergency overseas, call +353 91 545908

Non-emergency claims

For non-emergency claims, please call +353 91 545907

Other enquiries

For other enquiries, please see our “Contact Us” page.

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Why you should renew your car insurance policy on time.

Renew car insurance promptly to comply with the law, avoid financial burdens, and maintain benefits like no-claim bonuses. Online services simplify the process, ensuring continuous coverage and hassle-free renewals.

Reasons to renew your car insurance on time

• To ease your financial burden: If you own a car, it is important to keep a valid car insurance policy handy. In case your car meets with an accident, a comprehensive car insurance policy will cover your own as well as third-party liabilities and save you from financial setbacks.On the other hand, if your car injures a third party and your insurance policy has lapsed, you will have to compensate the third party from your pocket and also bear other associated expenses.
• To avoid legal issues: Driving a car without a valid car insurance policy is illegal in India. The Motor Vehicles Act of 1988 mandates car owners to have at least a basic third-party car insurance policy to avoid legal issues. Therefore, if you drive with an expired insurance policy and you happen to get caught by the traffic police, you will be fined for the same.
• To prevent heavy repair expenses: If your car needs repair after an accident, your comprehensive car insurance policy will cover the bills. However, if your insurance policy has expired, you will be forced to pay the garage bills from your savings.
• To ensure continuous coverage: Renewal of car insurance policy on time is crucial for continuous coverage. It is best to renew the policy on or before the expiry date. This is important because insurance companies do not offer coverage when the policy is in the grace period. For example, suppose you fail to renew your policy, and it is under a grace period. If your car meets with an accident during this time and you raise a claim, the insurer will reject the same.
• To prevent a no-claim bonus reset: If you don’t renew your car insurance policy even during the grace period, your policy will officially lapse. This will leave you without car insurance, and you will also lose the accumulated no-claim bonus on your policy. Since a no-claim bonus in car insurance can reduce policy premiums by a significant percentage, losing it will only increase your financial burden when you buy a new insurance cover. Most insurance providers in India offer a no-claim bonus of 20% to policyholders for a claim-free year. If you don’t make claims for 5 consecutive policy years, the no-claim bonus can go up to 50%. Renewing your policy on time will keep your no-claim bonus intact and help you save big on policy premiums.
• To avoid vehicle inspection: If your car insurance policy expires and you apply for a new one, the insurance provider may appoint a surveyor to inspect your car. The surveyor will check the vehicle thoroughly for pre-existing damages. The presence of damages will increase the premium of your car insurance policy. Moreover, the entire inspection process may take time, and your car will remain uninsured during this period.
• Higher premiums: If your car insurance policy expires due to non-renewal and you buy a new one later, you may have to pay higher policy premiums. Insurance companies increase premiums if there is a significant gap between the expiry date of the old policy and the purchase of the new one.

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A simple guide to car insurance and 6 ways to cut your premium

Get the lowdown on insuring a car - from the mysteries of a no claims bonus to the different types of cover.

Running a car is more expensive than ever, so it's really important to keep your costs down. If you haven't bought outright, then you'll have to budget for your monthly finance payments; then there's fuel or charging, road tax , servicing, maintenance and repairs. Other expenses include breakdown cover, parking fees and permits, and tolls.

However, one of the biggest costs is insurance, and premiums are soaring. The cost of car insurance has surged by 46% in a year adding £292 to the average annual cost.

The punishing increase has taken the average annual premium up to £892, according to the Compare the Market comparison site. 

What is car insurance?

Car insurance protects you if your car is involved in an accident, stolen, vandalised or damaged by fire. As well as covering your car, motor insurance covers you for any damage you might cause to other vehicles, other people’s property, and injuries to other people. 

Why do I need car insurance?

You must have motor insurance to drive your vehicle on UK roads. It protects you, your vehicle and other motorists against liability in case there is an accident. It provides financial compensation to cover any injuries caused to people or their property.

Penalties for driving without insurance range from a fine and at least six points on your licence, to being disqualified from driving. The police can also seize, and in some cases, destroy the vehicle that’s being driven uninsured. 

Different types of motor insurance cover explained:

Third party .

This cover is the minimum legal requirement. It makes sure that compensation is available for injury to other people (including your passengers) or damage to other people's property resulting from an accident caused by you. It doesn't cover any of your costs as the result of an accident. 

Third party fire and theft

Providing the same cover as third party only, TFT also insures you should your vehicle be damaged by fire or is stolen.

Comprehensive

This provides the same cover as third party fire and theft. However, it also covers you should your vehicle be damaged in an accident. Additions to this level of cover can include providing a courtesy car while your car is being repaired, legal expenses and roadside recovery. 

How much does car insurance cost?

The premium your pay to insure your car will depend on a number of factors including the type of vehicle you drive (the less powerful the better), whether you use your car for business, pleasure or commuting, your age, driving history and where you live.

Voluntary excess is also important. This is the amount you’re willing to pay towards the cost of a claim, in addition to the Compulsory excess. A higher figure will help to cut your premium, but only set a voluntary excess amount you're confident you'd be able to pay.

Adding an additional driver to your policy, such as your partner, could also lower your premium. However, adding young or inexperienced drivers would probably increase it.

Why car insurance is going up?

There are various reasons why the cost of insuring a car has soared over the past year especially.

Inflation is a major factor because it has pushed up the cost of repairs, replacement parts, energy costs and even the price of paint. 

The cost to replace written-off vehicles has also increased as the average price of new cars has risen.

There's also an argument that today's sophisticated cars are helping to fuel insurance price hikes because their repair costs are higher. A simple bumper replacement now involves the replacement of expensive sensors for everything from parking to autonomous emergency braking (AEB). 

Are EVs more expensive to insure?

There is growing evidence that drivers of electric vehicles are being charged more to insure their cars than owners of conventional cars with petrol and diesel engines. Again, there are many reasons why electric car premiums have been hit harder.

One of the biggest ones is that EVs tend to be higher value, which means that insurers assume repair parts or fully replacing the car will cost them more. 

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Also, younger drivers have traditionally chosen cheaper, older, slower, smaller-engined cars. However, EVs are more expensive, newer, more powerful and faster, which means that they are at a higher risk of being involved in an accident. 

EVs are also built with advanced technology and parts, meaning they're more expensive to repair or replace in the event of a claim. Some EVs take longer to fix too or require specialist mechanics, while the high cost of repairing and replacing batteries meaning EVs are more commonly written off.  

What is a No Claims Bonus?

Also known as a No Claim Discount (NCD), a No Claims Bonus (NCB) is a discount your insurer can apply to the price of your car insurance policy to recognise your claim-free driving history.

The amount of money varies for each insurer, but the more consecutive years you go without making a claim, the greater the discount you might get. 

Car insurance groups explained

Cars are placed in insurance groups, also known as insurance bands, to help calculate the cost of insurance policies. Broadly speaking, the lower the number, the cheaper a vehicle is to insure.

There are 50 car insurance groups. Cars in insurance Group 1 are the cheapest to insure, while vehicles in Group 50 are the most expensive to insure.

Small cars, such as the Skoda Citigo, Kia Picanto, Hyundai i10 and Volkswagen Up!, tend to be in the cheapest groups. Family cars including the Nissan Qashqai range between 11-25, while a Tesla Model Y falls into groups 46-50. 

Ways to lower your annual premium

There are things you can do to cut the cost of your car insurance. Here are six of the best:

Choose the right car

When you're choosing your next car, check what it will cost to insure. The basic rule of thumb is that the more impressive the vehicle, the more it will cost to insure. Not only will it attract thieves and vandals, it will cost more to repair and is more likely to be involved in an accident because it's likely to be powerful and fast. 

Pay upfront 

When you find a car insurance policy that ticks all the right boxes, you'll probably be given the opportunity to pay in one lump sum or in monthly instalments. If possible, pay upfront because by paying monthly you are effectively taking out a loan from the insurer with added interest rates.  

Shop around

One of the best ways to find cheaper car insurance is by shopping around and comparing prices in the weeks before your renewal. Use comparison websites like Go.Compare, MoneySuperMarket and Compare the Market, and if you find a cheaper price don't be afraid to go back to your insurer and ask it to match or lower the price. The golden rule is never to allow your policy to auto-renew. Even if you don't find a cheaper quote elsewhere, the odds are that you will be offered a better deal with your existing insurer if you tell them you're thinking of switching. 

Drive sensibly

Avoid accidents and speeding fines because these will impact your policy. Whether an accident is your fault or not, making a claim will usually lead to an increase in your car insurance premium the following year. Insurance companies also take a dim view of points on your licence because they suggest a higher risk of accidents and claims.  

Location, location, location

Insurance companies assess crimes relating to car theft, fire and vandalism in your area, so changing your address could affect the cost of your car insurance premium. Insurers will also offer you a more affordable premium if you keep your car in a secure garage on a driveway overnight, rather than on the road. 

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Mileage matters

Most people estimate their mileage when getting a car insurance quote, but it's not that difficult to get a more accurate figure, which could help lower your premium. Check your MOT history online or using recent certificates. They will show your mileage from previous years. Car insurance premiums are usually cheaper for those who drive fewer miles, because the more miles you drive, the greater the chance of having an accident.

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