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Insurance
If you aren’t sure if you need insurance or not, then you are not alone. So many…
24.08.2022
FCA Authorised & Regulated
Specialist Cover Quoted within 24 hours
Dedicated UK Insurance Specialists
50,000 + Active Policyholders
Why Choose Us for Your Travel Insurance?
Fast Specific Cover
We are industry specialists. We compare products and polices from many different insurers to save you time and money
Easy Claims Process
Accidents and Incidents can happen. When it does, rest easy knowing our team is on hand to make this process as quick and easy as possible
No mid term fees, ever
As you business grows and evolves you can be sure that we wont make any additional charges to your insurance policy so you need to scale up or down.
Customer Rewards
Refer a friend to us and you can receive up to £50. Your friend will receive the great benefits that you do too.
Specialist that understand
We know how your business works and where the potential pitfals are. Help is always on hand, whenever you need it.
Tailor made policies
We realise that one size doesn’t fit all. Our policies are expertly crafted to meet your specific requirements.
Customer Service
Clarity of cover and putting you first. Its built into our ethos and everything we do at Livingstones. Put us to the test, you'll be glad you did.
Positive green credentials
We support local charities and are making huge strides to reduce our environmental impact as much as possible.
Monthly installments
To help you budget, we offer monthly installments on all of our products. A small helping hand to help with your finances.
Why Is Travel Insurance Important?
Travel insurance is vital because it covers a range of issues that can occur at any minute when you are abroad. Whether it’s crime-related, such as theft, or medical, such as hospital treatment, you need to know that your policy has got your back when things aren’t going right.
What Do You Need to Know About Travel Insurance?
Find out everything you need to know about travel insurance by checking out the FAQs and their answers underneath.
You can cover a range of people if you want to protect more than one person. That includes you, you and your partner, your family, and a group of people on the same trip
It depends on the trip. However, the bigger the limits, the less your exposure if anything happens.
Covid-19 is now a known threat, so it isn’t automatically covered. But, you can add coverage to your policy if you believe it’s necessary.
Regarding the length of time, they are - single, backpacking, and annual multi-trip cover. For your destinations, they include - European, Worldwide, and Worldwide excluding the USA, Canada, and the Caribbean.
Different factors determine cost. For instance, younger people receive cheaper premiums, as do travellers who don’t go away for as long.
Other Things to Consider
Travel insurance can be complicated, which is why it’s essential to cover all the bases when you are in the market for a new policy.
- Look for multiple cover - it’s cheaper and more comprehensive to buy coverage for a family under a single policy
- Consider a multi-policy trip - coverage for all the travelling you do in a calendar year
- Look out for exclusions
- Check the limits - all policies have limits that you must understand before purchasing
- Pick a reputable provider
- Watch for age limits - young and older people may be excluded, depending on the provider
- Buy what you can afford
- Exclude the things you don’t need to save money and focus on the essentials
- Evaluate the financial limits
- Check for delays - £200 or more is a sign of quality coverage
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