best travel insurance for uk holidays

The Independent’s journalism is supported by our readers. When you purchase through links on our site, we may earn commission. Why trust us?

Best travel insurance UK 2024 guide

We all deserve a break now and then. And the last thing you want to think of when booking your holiday is something going wrong. But it’s better to be prepared than caught off guard. That’s why you should always consider travel insurance when going on a trip.

But how can you find the best travel insurance policy for your needs? Read our guide below to find out more.

Why do I need travel insurance?

Travel insurance protects you financially if your trip away doesn’t go as planned and you incur unexpected expenses for delays, losses or medical treatment.

All travellers can benefit from travel insurance. But travel insurance is particularly important if you are going on an independent trip without a tour operator, because if something goes wrong, you will have no other help.

There are three main types of travel insurance:

• Single-trip cover: this is the most typical form of travel insurance, covering you for a one-off trip or holiday. There will be a time limit on the cover that can range anywhere between one month and 365 days
• Annual multi-trip cover: this allows you to make multiple trips, or have multiple holidays, in a 12-month period, all under the same travel insurance policy. There may be a cap on how long each individual trip can be
• Long stay, or backpacker, cover: this is normally used for around the world trips, gap years, and longer cruises, and can last for up to 18 months

To find the best UK travel insurance, compare policies before you go to ensure you get the right coverage for you and the specific trip you’re planning.

How to find the best travel insurance policy

When comparing policies to find the best travel insurance for your trip, you should consider: 

• Type of cover you need
• Excess (how much you’ll be expected to pay out yourself before the policy will cover you)
• Amount of medical coverage, and why pre-existing conditions aren’t included
• Limit on baggage claims
• Coverage for specific sports and activities
• Any potential rewards and discounts
• Add-ons, such as gadget insurance

Best travel insurance deals and discounts

Looking for the best travel insurance deals from the best travel insurance companies? In most cases, the easiest way to find the best travel insurance deals is to use a comparison website. Travel insurance comparison websites let you compare costs and coverage side by side to find the best UK travel insurance.

The four main comparison websites – Moneysupermarket, Comparethemarket, Confused.com and GoCompare – also often have certain deals and discounts when you buy travel insurance from them, offering some of the best travel insurance deals on the market.

Moneysupermarket : Find the same deal for less, and it will price match and give you a choice of a £20 gift card. Only on annual travel insurance.

Comparethemarket : Two for one cinema tickets with Meerkat Movies and savings at restaurants when you dine out or order pizza in with Meerkat Meals, as well as 25 per cent off coffee and pastries at Caffè Nero every day of the week through the Meerkat app.

(In November 2023, Confused.com and GoCompare had no deals or discounts for travel insurance).

Price is obviously a big consideration when you are looking for the best travel insurance – you’ve probably already spent a lot on your holiday. But you may be able to get much better coverage for just a few pounds extra, so it’s worth scrolling down the comparison site’s list of providers before buying.

Medical costs abroad will undoubtedly be the biggest expense you face if you fall ill abroad, so don’t scrimp on those.

Then think about your next biggest expense (probably cancellation/interruption of your trip) and make sure that you have high-value coverage for that.

If you find you can get much higher coverage (the maximum amount you can claim per type of claim, such as medical or baggage) for not very much more money, go for the slightly more expensive option.

Going direct

Comparison sites won’t always find you the cheapest deals, however. For example, Direct Line offers some of the best travel insurance with Covid cover and is not on comparison websites.

Some of the best travel insurance companies also offer discounts for buying directly from them, as follows:

Bundled coverage options

When looking for the best travel insurance for your holiday, it can make sense to buy a bundle of coverage under one policy.

Comparison websites will often offer add-on gadget cover, winter sports cover or cruise cover all under the one policy. If you need that extra cover, it is typically cheaper to buy your travel insurance this way rather than as separate policies.

What is covered by travel insurance?

The best travel insurance companies will offer you comprehensive coverage across all types of claims. It’s easy to compare the best travel insurance deals using a comparison website.

Medical coverage

This covers you for medical expenses you incur if you become ill or have an accident while away. The best UK travel insurance will have a high level of medical coverage.

For example, medical coverage will pay for any necessary treatment if you come down with severe food poisoning or you fall through a window and have to be taken to hospital in an ambulance.

• Avoid hefty bills or debt for medical assistance outside the UK
• Access better treatment – for example, at private vs public hospitals
• Often, as long as you declare existing conditions or pending treatment or tests, you are covered if you fall ill during your trip (check policy exclusions)
• Even the best travel insurance companies will likely charge you more if you have a pre-existing medical condition
• You might have to pay part or all your medical expenses first, then claim on the policy afterwards
• Even the best travel insurance companies do not cover events that happen after you have consumed alcohol excessively or taken recreational drugs or other substances

Trip cancellation/interruption

This insurance pays out the cost of your missed trip if you have to cancel or cut your holiday short due to unforeseen circumstances.

For example, cancellation insurance would normally pay out if you broke your leg just before you were due to travel and had to cancel your trip.

Interruption insurance would cover you if you had to come home early for certain reasons beyond your control – for example, if the area you were staying in was engulfed in wildfires.

• Money you would have lost on pre-paid, non-refundable travel expenses is paid to you under the policy
• It can be especially valuable if the trip you are planning is very expensive, as this is money you would lose if you couldn’t go
• You’ll usually only be covered if your trip is cancelled or cut short for specific reasons listed in your policy
• You usually won’t be covered if you miss your flight because you are held by customs or cancel because of a work issue or a pre-existing medical condition that is not covered

Baggage cover

This insurance covers the cost of replacing your luggage if it is lost or stolen.

For example, if an airline loses your luggage in transit or your suitcase is stolen from your hostel while you’re away, you can make a claim for the cost of replacing its contents.

You may also be able to claim for costs related to baggage delay if the airline temporarily misplaced your baggage.

• You can claim for the actual cash value of your belongings or the cost of replacing them (whichever is less)
• High-value items, such as jewellery or sports equipment, can be very expensive to replace without travel insurance
• Standard policies usually place per item and total limits on claims.
• If you are taking very expensive items away, check your policy carefully to ensure that you’re covered (and potentially get a separate policy)
• Some items could be covered by your home insurance policy, so check your policy carefully to see what is any isn’t. It’s also important to note that, should a lost item be covered by both policies, you can only claim once; an attempt to claim twice would be considered fraud

Personal liability

This insurance covers you if you are held responsible for harming another person or damaging their property.

For example, it covers you in situations where you cause serious damage to your holiday accommodation or accidentally stumble into someone else, causing them to need medical treatment.

• The cost of defending yourself in a legal case or repairing/replacing damage could be extremely costly without travel insurance
• Your travel insurance company will take over dealing with a foreign legal system
• You’re covered for the cost of any compensation (up to certain limits)

Limits: 

• Not all travel insurance provides personal liability as standard
• Policies may exclude personal liability while you partake in adventure activities
• Claims related to you committing a crime or damage by wilful negligence won’t be covered
• You likely will not be covered if you admit liability or make an offer to pay before talking to your insurer

Finding the best travel insurance with Covid cover

Looking for the best travel insurance with Covid cover? Many travel insurance policies now include cancellation cover for reasons related to Covid. This often applies within two weeks of being due to travel, according to the Association of British Insurers, but individual policies can vary.

To make a claim, insurers often require proof in the form of a medically approved positive Covid test. A lateral flow test or self-diagnosis is usually not accepted.

What Covid-related cover to look for

The best travel insurance with Covid cover should include the following:

• Cover if you can’t start your trip because you tested positive for Covid before travelling
• Cover if you or family members cannot return home because you/they test positive for Covid during the holiday
• Cover for additional costs, such as alternative flights, accommodation and Covid tests
• Cover if you cannot reach your final destination during transit due to Covid-19

Travel insurance providers with comprehensive Covid cover

Looking for the best travel insurance providers with Covid cover? Most travel insurance policies now offer some kind of Covid cover, but Churchill, Direct Line, M&S and Aviva have some of the most comprehensive offerings, with cover for cancellations and expenses related to Covid.

• Covid covered as standard on travel insurance policies
• Cover for trip cancellations if you, a close relative or a travelling companion is diagnosed with Covid-19 or another pandemic disease
• Cover if you or a person you’re planning to stay with must quarantine (abroad or in the UK)
• Cover if you can’t use pre-booked and pre-paid accommodation affected by Covid-19
• Cover for quarantine or where the Foreign, Commonwealth & Development Office (FCDO) advises against travel within 28 days of departure
• Cover for emergency medical expenses abroad due to Covid-19

Direct Line

• Cover for travel to a destination where the FCDO is advising against all but essential travel 
• Cover for medical expenses if you catch Covid-19 while you’re away 
• Cover for additional accommodation and transport if you have to quarantine due to Covid
• Cover for cancellation costs if you or a close relative get Covid-19 before you go
• Cover for quarantine or if the FCDO changes its advice after you book your trip
• Cover if you have to cut your trip short if the FCDO changes its country advice unexpectedly

• Cover for emergency medical expenses if you catch Covid-19 during your trip
• Cover for unrecoverable costs up to £6,000 if you must cancel your trip or return early, including if you have to self-isolate or quarantine before you travel due to Covid-19
• Cover for if you need to cancel your trip due to a positive Covid-19 test or if the FCDO advise against travel to your destination in the 31 days leading up to your trip
• Providing you haven’t travelled against FCDO advice, you’ll also be covered if you catch Covid-19 while abroad

• Coverage of up to £5,000 per person if you must cancel your trip due to getting Covid (you’ll need to provide confirmation and evidence of a positive test result)
• Cover for Covid-related emergency medical treatment and expenses while away
• Cover if you unexpectedly need to quarantine, including extra travel and accommodation costs to get home (provided a return trip was booked) 
• Cover for costs for any accommodation and excursions unused due to getting Covid where the costs can’t be recovered elsewhere
• No cover you if you travel against FCDO advice*
• No cover if you can’t travel because you don’t meet the entry requirements of a country (such as having had Covid vaccinations)*

* It’s worth noting that these clauses are not unusual and the majority of providers will have something similar

Tips for selecting the best UK travel insurance packages

Need some help picking the best UK travel insurance packages to make sure that you get the best travel insurance deals? Here are some tips for picking the best policy features for you.

Coverage limits

When looking for the best travel insurance companies to go with, check coverage limits. These are the maximum amounts your travel insurer will pay if you need to claim. You’ll see when you compare travel insurance policies that coverage limits vary for each type of claim and between policies.

The government-backed MoneyHelper website recommends that the best UK travel insurance should have the following minimum coverage for each type of claim:

• Medical: £1m or more for travel to Europe and £2m or more for the US
• Cancellation/interruption: £2,000 or more
• Missed departure: £500 or more
• Delay: £200 or more
• Baggage cover: £1,500 or more
• Personal liability cover: £2 million or more

Deductibles/excess

Deductibles, also known as the excess, is the amount you have to pay out of your own pocket before your travel insurance will start paying for your claim.

You have to make a trade-off when it comes to choosing the excess and the best travel insurance policy for you.

The lower the excess on a travel insurance policy, the better for you if you have to claim because you will have less to pay from your own pocket (or, more often, deducted from your claim).

But lower excess travel insurance policies are more expensive because the insurer knows it has more to pay out if you claim. Higher excess policies are cheaper, but you’ll have more deducted from your claim.

An exclusion on a travel insurance policy is an event the policy will not cover you for.

Common exclusions on a standard travel insurance policy may not be obvious. According to the ABTA – The Travel Association, these include:

• Incidents that occur after drinking too much alcohol or taking drugs
• Theft of unattended possessions
• Sports, extreme sports and activities such as skiing, white water rafting and bungee jumping
• Medical treatment resulting from existing medical conditions you have not declared or conditions preventable by vaccine or advisable medication, such as antimalarials
• Medical costs if you stay abroad after your doctor says you are fit to return to the UK
• Strikes and industrial action if it was known when you booked your trip
• Rescheduled flights where the airline has cancelled and then rescheduled your flight
• Travel to destinations where the FCDO advises against all but essential travel

To get the best travel insurance deals, one way around some of these exclusions is to buy add-ons for adventure activities. In addition, make sure to declare all pre-existing conditions and keep an eye out for any travel disruptions before you book.

Pre-existing conditions

Pre-existing conditions are illnesses or medical conditions you have and are aware of before you travel.

Travel insurance companies will ask you to disclose any pre-existing conditions. If you use a comparison website, it will be among the first questions you’re asked before it shows you quotes. It’s important to be honest.

Some travel insurance companies, but not all, will offer cover for pre-existing medical conditions, while others will offer cover but exclude any claims arising from that medical condition. This will depend on the person being covered and the medical condition.

Most price comparison websites include an option to show insurers who do offer coverage for pre-existing conditions, so that would be a good place to start.

The following are likely to be considered pre-existing conditions you should disclose, according to the government-backed MoneyHelper website:

• A condition where you are on a list for an operation
• A condition where you are waiting for test results
• Anything you have been to the doctor about in the last year, including minor things
• Any serious conditions you’ve ever had – for example, cancer, heart trouble, respiratory problems or a mental health breakdown

A good tip for everyone, but especially if you have a pre-existing condition, is to buy your travel insurance as soon as you book your holiday. If your condition gets worse and forces you to cancel your plans, you’ll be covered from the day the policy starts.

On family group policies, the cost will be determined based on the riskiest traveller (according to insurers), which could be someone with a pre-existing condition or an older individual. In this case, it is often cheaper for the group for that person to get a separate policy.

Add-on options

Add-ons are extras you can purchase in addition to a standard travel insurance policy. They cost a bit more, but you may find you’re not covered without them. 

Gadget insurance

This covers things that a standard policy may not, such as your mobile phone or laptop. If these items are covered, you may find the claim limits are far less than the cost of replacing them.

Before you add this option to your travel insurance, check your home insurance policy, because you may already be covered.

Winter sports/adventure activities

Riskier activities, such as skiing or white water rafting, often require extra holiday insurance because insurers think that you are more likely to need to make a claim doing these things.

Winter sports/adventure activities cover is worth getting, or you may find you are not covered for medical expenses if something goes wrong.

Standard travel insurance is generally meant for land-based holidays so you’ll need to opt for a specialist cruise policy if your holiday is a cruise.

European FCDO travel advice extension

Most standard travel insurance policies are invalid if you travel when the FCDO advises against “all but essential travel”.

This add-on allows you to travel to Europe with a valid travel insurance policy, even if the FCDO has advised against it.

This can be an expensive add-on, but if you really must travel to a risky area, you will need this extension in order to make sure you have cover.

Best holiday insurance summary

Choosing the right travel insurance is an essential part of enjoying peace of mind while you are on holiday.

When looking for the best travel insurance deals, don’t just pick the cheapest policy. Instead, look for the cover limits that match your requirements. For example, baggage cover of £5,000 isn’t worth having if your baggage is worth £1,000; cancellation cover up to £10,000 isn’t worth having if your holiday cost you £2,000.

The easiest way to compare the best travel insurance is usually by using a travel insurance comparison website.

Think about the sort of activities you’ll be doing while you’re away. You may need extra holiday insurance for things such as winter sports or scuba diving or if you are going on a cruise.

Be honest about any pre-existing conditions when buying your travel insurance, or you won’t be covered if you have to claim.

The best travel insurance is a safety net for you and your family to enjoy your trip away stress-free, knowing that you’re covered for everything from medical expenses to cancellations if things go wrong.

Frequently asked questions about the best travel insurance UK packages

Is travel insurance necessary for domestic travel within the uk.

Even where medical costs in the UK are covered by the NHS, a sudden illness could lead to other expenses, forcing you to cancel your trip, the costs of which travel insurance would cover.

Lost or stolen luggage and broken gadgets or other claims for damage can just as easily occur in the UK as abroad.

What is annual travel insurance, and is it a good option for frequent travellers?

Annual travel insurance is a policy that covers you for multiple trips away within any 12-month period. It is often cheaper than buying a separate policy for each trip if you are planning to go away multiple times in one year.

Annual travel insurance is also useful if you are planning a long trip visiting several countries, as often insurers require you to buy travel insurance before you leave the UK rather than abroad mid-trip.

Are there any travel insurance companies that specialise in certain types of trips or travellers?

Specialist travel insurers cater to specific groups of people. It can make sense to seek out travel insurers that cover your needs.

Adventures Insurance, Sports Cover Direct and Snowcard tailor their travel insurance to those who enjoy activity holidays and extreme sports, for example.

Senior travellers are the focus of policies from All Clear, Avanti, Co-op Insurance Services, Free Spirit Flex, Good 2 Go Extra, Goodtogo Insurance, Saga, Staysure and Total Travel Protection.

Insurers offering business trip cover include Allianz, Direct Line, Coverwise and Insure & Go.

How do I make a claim with my travel insurance company?

To claim on your travel insurance while you are away, make sure that you take your policy number with you and the emergency number for your insurer. If you are travelling abroad, take any international numbers too.

Call your insurer as soon as you realise you need to make a claim. Keep all receipts and medical expense forms. If you are travelling with other people, make them aware of your policy details and the insurer’s phone number in case they need to call on your behalf.

To make a claim when you return home, check the following:

• You haven’t left it too late to make a claim
• What you’re claiming for is covered
• The excess is not more than the value of your claim (if so, it’s not worth claiming)

Notify your insurer as soon as possible for a claim form, send it back fast and keep a copy of it. You should also include copies of paperwork to support your claim, such as receipts or medical certificates (keep copies of the originals in case your claim is queried or refused).

Laura Miller

Laura Miller is a freelance journalist, editor, and producer. She has a wealth of consumer finance experience, having written about money matters and business for over 15 years.

During her tenure as a freelance writer, she has worked for ITN, Wired, and The Sunday Times, as well as financial institutions such as Aegon, the Chartered Insurance Institute, and Pension Bee, where she’s presenter of the Pension Confident Podcast.

Laura has previously held roles at The Times, where she was the Acting Editor of Times Money Mentor, The Telegraph as a senior finance reporter and was the co-host of the It’s Your Money Podcast, which was renowned for making complex finance issues accessible, and The Financial Times, where she worked as a News Editor. Laura has also worked at CNN, Politics.co.uk, and as a producer at Radio 5 Live.

Connor Campbell

Connor Campbell is an experienced personal and business finance writer who has been producing online content for almost a decade. 

Connor is the personal finance expert for Independent Advisor, guiding readers through everything they need to know about car insurance and home insurance. From how much it costs to the best insurance providers in the UK, he’s here to help you find the right policy for your needs. 

In his capacity as writer and spokesperson at NerdWallet , Connor explored a number of topics close to his heart, such as the impact of our increasingly cashless society, and the hardships and heroics of British entrepreneurs. His commentary was featured in sites such as The Mirror , the Daily Express and Business Insider . 

At financial trading firm Spreadex, meanwhile, his market commentary was featured in outlets such as The Guardian , BBC , Reuters and the Evening Standard . 

Connor is a voracious reader with an MA in English, and is dedicated to making life’s financial decisions a little bit easier by doing away with jargon and needless complexity.

• Best home insurance
• Best life insurance
• Best pet insurance
• Car insurance
• Home insurance guide
• Buildings insurance
• Contents insurance
• Home insurance glossary
• Admiral home insurance review
• Aviva home insurance review
• AXA home insurance review
• Churchill home insurance review
• Compare the market review
• Direct Line home insurance review
• Esure home insurance review
• LV home insurance review
• More Than home insurance review
• Policy Expert home insurance review
• Rias home insurance review
• How we cover home insurance companies

The Independent Advisor brand is operated by 3S Media International Limited. 3S Media International Ltd is an introducer appointed representative of Moneysupermarket.com Financial Group Limited, which is authorised and regulated by the Financial Conduct Authority (FCA FRN 303190).

Helping you make the most out of your money

Searching Money Mentor . . .

The best travel insurance providers.

Updated May 9, 2024

In this guide

If you’re looking to escape the UK winter, or if you’re saving your holiday for the height of summer, you may wish to consider travel insurance. We explain what travel insurance is and some of the best policies on the market for your holiday.

In 2022, UK residents made 71 million visits abroad. This was over three times the amount made in 2021, when COVID restrictions kept many people at home. 

So if you’re part of a growing number of people spending time abroad, have you considered travel insurance? By taking out one of these policies you could be protected for lost baggage, delayed flights, and medical emergencies abroad among other unforeseen events.  

In this article we explain:

• What is travel insurance

What does travel insurance cover?

The best travel insurance.

• Travel insurance and medical conditions

Read more: Passport renewal costs and waiting times

What is travel insurance?

Travel insurance covers the cost of unforeseen events and mishaps that either stop you from going on holiday or affect you while you’re away.

Depending on the policy, travel insurance might cover you for:

• Medical bills if you suffer illness or have an accident while you’re away
• Cancellation of your trip for reasons outside of your control
• Lost or stolen baggage

Policies are usually relatively inexpensive and can give you the peace of mind that your costs will be covered if something bad happens while you are on holiday.

According to the Association of British Insurers (ABI), a trade body, the average claim on travel insurance in 2022 was a little over £970. So while travel insurance won’t stop bad things from happening, but it can prevent you from having to find the money to pay for unexpected costs even after you return from your holiday.

Read more: Ten budget travel tips

Free Times article: The 100 biggest UK taxpayers named

A Russian-born trader, Ed Sheeran, JK Rowling and a fraudster are among those who have paid more than £10m to the public finances. See the full list

Many people opt to take out travel insurance to cover potential medical care while away.

Every week, 3,000 Brits need emergency medical treatment while abroad, according to the ABI. But travel insurance isn’t just about covering medical costs. It can protect you against a range of unplanned events:

• Cancellation or trip interruption for reasons outside your control
• Missed transport or delayed departure for reasons outside your control
• Personal injury and death, including medical evacuation
• Lost, stolen or damaged items, including baggage, passports and money – check if your home contents insurance covers you
• Accidental damage or injury caused by you

Does travel insurance cover cancelled flights?

Most travel insurers provide a basic level of cover for cancelled flights. Aviva’s travel insurance, for example, will pay out if your flight is cancelled due to an airport shutdown.

If your airline cancels your flight then you should claim a refund directly with them, so your travel insurance could cover other costs such as hotel bookings, vehicle rentals, and other possible excursions.

What are my rights during strike action?

If your flights are cancelled because air staff are striking, which they have over last summer, you might be entitled to compensation from the airline. But for this to apply, customers must have been given less than 14 days’ notice.

It also depends on whether the airline was at fault or not: so if it’s the airline’s staff who are striking, you should be entitled to compensation.

If you’re worried that your flights might be delayed or cancelled, you should also check your travel insurance policy.

Some policies cover you for a cancelled or delayed flight, provided you took out the policy before the strikes were announced.

But if you haven’t yet bought your insurance, you may be out of luck. This is because most insurers won’t cover you for strikes which were already known about.

Read how travel insurance could catch you out.

Below we’ve listed some of the best travel insurance providers on the market, all of which were nominated in Times Money Mentor awards 2023.

Times Money Mentor award winning cover

Best for over-50s

Post Office

Best for those with pre-existing medical conditions

Best for those wanting substantial medical cover  

Best for a range of unique add-ons

Looking for a new holiday destination?

Make sure to visit Times Travel for your holiday inspiration this year. From palm beaches in Fiji to the beautiful Italian coastline, Times Travel caters to all different tastes. Unlike other parts of the site, you also don’t need a subscription to enjoy their high-quality content.

Another notable provider

Despite not winning a nomination at the Times Money Mentor awards, this provider also offers a decent level of cover:

Switched On

The best travel insurance for cruises.

If you’re thinking about taking a cruise, it’s important to take out special additional cover such as a cruise insurance to protect you.

Cruise insurance is normally offered as an add-on to travel policies, and protects you if you:

• Miss connections to reach the departure
• Fail to get back on board after planned stops
• End up being confined to your cabin

Though if you want a dedicated travel insurance policy for a cruise, here’s an option to consider:

Just Travel Cover*

Best for cruise holidays

The best winter sports cover

If you’re planning a skiing and snowboarding trip then it’s important you have insurance that will cover you if you’re involved in an accident on the slopes.

Most travel insurers will offer winter sports cover as an optional add-on to their regular cover and will protect you if you:

• Need to be airlifted off the slopes or rescued and need medical treatment
• Turn up and there’s no snow
• Can’t start skiing and snowboarding because of avalanche risk
• Find out your equipment – such as skis, snowboard and boots – has been stolen

It’s difficult to predict what the next ski season will look like. But if you’re booking now and want cover for the essentials, here’s a policy to factor into your calculations.

InsureandGo*

Best for winter sports

What should a basic travel policy cover?

When shopping for travel insurance, you should ensure your policy comes with the following seven things as standard:

1. Medical expenses

This covers the costs of any emergency medical and surgical treatment while you’re away.

It usually costs more for cover in the US as medical bills can run into the tens or hundreds of thousands of dollars. Any treatment that can wait until you get home is not usually included.

Most policies offer cover of £1 million for medical costs in Europe. This is usually £2 million in the US.

2. Repatriation

This is where you might need to be evacuated from the country you’re visiting.

Repatriation usually happens when you need to get back home to the UK in the event of a medical emergency and is usually covered as standard in most travel insurance policies.

3. Cancellation/curtailment

This covers any travel and accommodation costs you have paid for and can’t use or claim back.

You need a good reason to cancel your trip, so make sure you double check the terms and conditions of your policy.

4. Missed departure

This covers your extra accommodation costs and travel expenses should you miss your departure due to situations outside your control.

It usually includes your car breaking down or being involved in an accident. Leaving home at the last minute won’t count.

This covers you for delays to your travel plans, such as severe weather conditions.

Delays known about before (such as strikes) won’t be covered.

6. Baggage cover

This should cover you if your baggage is lost, stolen, damaged or destroyed.

You might need extra cover for gadgets or valuable possessions as there are usually limits on separate items.

Losses need to be reported within a certain time frame and you must have a written report from your airline if it loses your baggage.

7. Personal liability cover

This should cover you if you are liable to pay damages due to:

• Accidental bodily injury to someone
• Or for loss or damage to someone else’s property
• Claims made by family members or employees won’t be covered

Choose a smooth private healthcare journey with Saga Insurance

• Easy access to a specialist

• Fast tests, scans and treatment

• Comfortable hospital stay

Get a Saga Health Insurance quote

For people over 50. Saga Health Insurance is a unique product designed by us specifically for our customers, and it’s only available through us. Together with our underwriter, Bupa Insurance Limited, we are committed to providing high standards of quality and service. 

What extra cover can you buy?

To provide a peace of mind you might be able to add the following onto your policy too:

• Wedding cover – If you’re travelling abroad for a wedding, some providers might include an add-on which covers damage to your possessions. If you think you need something more comprehensive, then consider a separate wedding insurance policy
• Gadget insurance – While you’re abroad you may wish to cover your laptop, phone, or tablet from theft or damage
• Golf equipment cover – Planning to tee off abroad? Then consider cover for moving your clubs overseas. This type of add on includes cover for your equipment if it is lost, stolen, or accidentally damaged

Read more: Is credit card travel insurance any good?

What is not covered by travel insurance?

Travel insurance won’t cover you for a risk that is known about.

For example, if you have a long-standing medical condition that means you can’t go on holiday, your insurer might not cover you for the cancellation costs.

Insurers also won’t cover you if you have to cancel your trip for reasons within your control. For example, if you miss your flight because you woke up late, your claim is likely to be rejected.

Travel insurance is also unlikely to cover you if you have been irresponsible. For example, if you leave your valuables in your hold luggage then your policy won’t cover you if these items are damaged.

Each travel insurance policy will have specific things it won’t cover and this will vary depending on the provider. So it’s important to read the terms and conditions carefully.

What types of travel insurance can you buy?

There are two main options to choose from when taking out a travel insurance policy:

• Single trip — covers you for one trip of a specified length only
• Annual multi-trip — covers you for all your trips for one year (if you travel a lot this can work out cheaper than lots of single policies)

You need to make sure that either option of travel insurance covers you for where you are going, such as:

• Europe only
• Or the more expensive, worldwide policies (these either include or exclude the US)

But check first which exact countries providers include in their policies. For example, some policies include Turkey, Morocco, Tunisia and Egypt in their Europe insurance.

There is also specific travel insurance for backpackers, which offers extra cover for those who are likely to be away for an extended period of time or travelling to multiple destinations.

Also bear in mind that if you are doing any extreme sports like skiing or going on a cruise then you might need to buy an add-on.

When should I take out travel insurance?

It’s usually best to take out travel insurance as soon as you have booked your trip.

While many people think of travel insurance as something that covers problems while they are away, some policies cover you for issues, accidents and illnesses that stop you from being able to travel.

Cancellation is one of the main reasons that people claim on a travel insurance policy. If the cancellation happens before you have bought insurance then you wouldn’t be able to claim.

How much should I pay for travel insurance?

Your travel insurance premium will depend on a range of factors such as your age, health, type of policy, and destination. This is why an average travel insurance premium will likely be meaningless, so make sure to do your research and get a quote from several different providers before deciding on a policy.

Do I need travel insurance?

Unlike car insurance, travel insurance isn’t a legal requirement. However, it does come with a host of benefits such as cover for medical expenses.

We’ve already listed the benefits of having protection for unexpected medical costs above, and it remains pertinent if you’re travelling abroad and won’t have access to the NHS. According to the ABI, there is one recorded case in 2022 when a traveller in Thailand contracted a serious blood infection which needed intensive medical treatment. The bill eventually came up to £250,000 which was paid in full by their travel insurance provider.

Also consider that some visa applications require you to have a suitable travel insurance policy in place before you apply. If you’re applying for a Schengen visa to travel Europe you’ll need a policy in place which covers medical expenses up to €30,000 during your trip.

FAQs: Travel insurance and medical conditions

Many people solely take out travel insurance to protect themselves from medical expenses. According to the ABI, the average medical claim on travel cover is more than £1,300. Notoriously in the US, these figures run into the tens or hundreds of thousands of pounds.

So below we’ve answered some of the most common medical related questions on travel insurance:

Q. Does travel insurance cover pre-existing medical conditions?

Some insurers do provide cover for pre-existing conditions. However, it is vital that youflag these conditions during the application stage. If you don’t it could invalidate your policy.  

Q. Do you need to tell your travel insurance provider if you have a new medical condition?

If there is a significant change to your personal health then you’ll need to inform your travel insurance provider. This includes being diagnosed with a new long-term illness.

Failure to do so could invalidate your policy.

Q. Can you get travel insurance if you’re over 75 with medical conditions?

Yes. In fact, there are some providers on the market which tailor their policies towards an older demographic. For example, Saga has dedicated policies for over 50s and 70s.

* All products, brands or properties mentioned in this article are selected by our writers and editors based on first-hand experience or customer feedback, and are of a standard that we believe our readers expect. This article contains links from which we can earn revenue. This revenue helps us to support the content of this website and to continue to invest in our award-winning journalism. For more, see  How we make our money  and  Editorial promise

Important information

Some of the products promoted are from our affiliate partners from whom we receive compensation. While we aim to feature some of the best products available, we cannot review every product on the market.

What is travel insurance and is it worth it?

A technical issue with UK air traffic control systems left thousands of travellers facing long delays on one of the busiest days of the year in August. You have travel rights, so is it worth having travel insurance? Hundreds of flights were delayed and cancelled on bank holiday Monday due to the fault. The incident […]

Am I entitled to flight delay compensation?

Hundreds of flights were cancelled or delayed at the end of the 2023 summer holidays due to a “technical issue” with UK air traffic control systems. It left hundreds of passengers stranded. Here we explain your rights when it comes to flight compensation. Air traffic control faults are classified as “extraordinary circumstances” and therefore airlines […]

Is credit card travel insurance any good?

We explain how travel insurance on credit card works and look at the pros and cons of using it. Some rewards credit cards offer travel insurance. However, your credit card is unlikely to give you all the cover you need as full medical insurance is not included. This article will cover: Related content: What are […]

Sign up to our newsletter

For the latest money tips, tricks and deals, sign up to our weekly newsletter today

Your information will be used in accordance with our Privacy Policy.

Thanks for signing up

You’re now subscribed to our newsletter, you’ll receive the first one within the next week.

• Skip navigation
• Find a branch
• Help and support

Popular searches

• Track a parcel
• Travel money

Travel insurance

• Drop and Go

Log into your account

• Credit cards
• International money transfer
• Junior ISAs

Travel and Insurance

• Car and van insurance
• Gadget insurance
• Home insurance
• Pet insurance
• Travel Money Card
• Parcels Online

For further information about the Horizon IT Scandal, please visit our  corporate website

All medical conditions considered

Includes Medical Assistance Plus 

Kids go free on family policies (1) 

A choice of travel insurance to suit you

We have different types of cover for whatever you have planned. And we consider all medical conditions.

Offering cover for anything from a short UK break to a year of travelling around the world

• Covers you for a one-off trip up to 365 days (2)
• Perfect for short or long trips for anywhere in the UK or abroad 
• No age limit

Travelling more than once this year? An annual multi-trip policy could save you time and money

• Cover for multiple-trips for a 12-month period
• 31-day trip limit, with extensions available up to 45 and 60 days
• Available for everyone aged up to 75 years

Looking for a gap year, career break or to travel the world? We could have the cover you're after

• Cover for a one-off trip up to 18 months
• Option to return home for up to 7 days on 3 occasions
• Available for those aged 18 – 60

Medical Assistance Plus: 24/7 holiday health support

Have peace of mind when you travel knowing that health professionals are just one click away.

Medical Assistance Plus (3), powered by Air Doctor, comes free with all our travel insurance policies. It gives you access to outpatient medical support while you’re abroad.

Through the service you can book an in-person or video consultation with a doctor. You can also get prescriptions delivered to your nearest pharmacy.

We’ll send you an SMS reminder about the service the day before you travel (for single-trip and backpacker cover) or the day before your policy begins (for annual multi-trip cover).

Living with a medical condition shouldn’t stop you seeing the world. And, with the right travel insurance in place, you can enjoy peace of mind on your adventures – just in case something unfortunate happens.

At Post Office, we cover most pre-existing conditions. Contact us for a quote to see if we can cover you. It’s important to declare upfront all your medical conditions and any medication you're taking.

If we can’t help and yours is a serious pre-existing medical condition, check the Money and Pensions Scheme (MaPS) directory. It lists companies that may be able to help you. Or call 0800 138 7777.

Choose a travel insurance cover level

We can offer you a choice of economy, standard and premier cover levels.

Policy wording

Upgrade your cover with ease

Need cover for your policy that's not included as standard? Just pay a little more to add these upgrades – optional or mandatory depending on the trip type.

This optional extra helps protect you from the impact of airspace disruption, natural catastrophes, terrorist acts or Covid-19 (5)

If you’re happy with the cover offered, but worried about excess fees, you can opt for an excess waiver. For an additional premium, you can add it to any Post Office level of cover for zero excess fees (5)

Insure all your devices with our easy-to-add gadget cover. It’s perfect to protect all your smartphones, tablets, laptops and consoles (5)

Specialist cover is mandatory for winter sports like skiing and snowboarding. There’s greater risk of emergency costs. Make sure you’re protected on the pistes (5)

If you're going on a cruise, specialist cover is both important and mandatory. It covers missed departure due to breakdown, falling ill on board, being confined to your cabin, lost baggage and more (5)

Trip extensions are available up to 45 or 60 days, increasing from the standard 31 days (5)

Ready to get a quote?

Let’s find the protection that’s right for your travels. Get a quote for Post Office Travel Insurance

What is travel insurance?

Travel insurance may be able to protect you against a range of unexpected events. From losing valuables to medical emergencies, and anything else that could spoil your holiday. Take a look at our policy documents to make sure that you’re getting the cover that meets your needs.

Cancellation and cutting short your trip

• Emergency medical expenses
• Missed departure
• Delayed departure

Personal liability and legal costs

We'll repay you for any non-refundable, unused travel and accommodation costs if you have to cancel or cut short a trip due to reasons set out in the policy. This includes pre-booked activities and excursions, car hire, cattery and kennel fees, up to the limits shown

We may be able to help if you need emergency medical treatment, return to the UK (getting you back home) and more while you’re abroad 

Missed departure (6)

We’ll also cover any extra travel and accommodation costs you're charged if you arrive too late to travel on your booked transport. As long as they match the reasons set out in the policy

Delayed departure (6)

You’re covered if your first outbound or final inbound international departure is delayed by 4 or more hours. As long as it matches certain reasons set out in the policy wording

Items that are usually carried or worn during a trip are covered if they get lost, stolen or damaged 

You'll also get protection for any unexpected legal costs you might be charged while you're away 

New-look travel app out now

Our revamped travel app’s out now. It makes buying, topping up and managing Travel Money Cards with up to 22 currencies a breeze. Buying and accessing Travel Insurance on the move effortless. And it puts holiday extras like airport hotels, lounge access and more at your fingertips. All with an improved user experience. Find out what’s changed .

An award-winning provider

Best travel insurance provider.

Post Office won a ‘Best Travel Insurance Provider’ award at the Your Money Awards in 2021, 2022 and 2023

Post Office won a “Best Travel Insurance Provider” award at the British Travel Awards in 2023

Defaqto 5-star rated cover

Our travel insurance policies with premier level cover are Defaqto 5-star rated

Cover you can count on. We’ve paid out over £177 million in travel insurance claims since 2007

Common travel insurance questions, what does travel insurance cover.

Post Office Travel Insurance can cover you for a single trip of up to 365 days(2), or multiple trips in a single year. This applies to trips taken anywhere in the UK and abroad too. We also offer backpacker cover(7) for a single trip of up to 18 months.

The type and level of cover provided depends on the insurance policy type and options you choose. It can include cover for:

• Cancellation
• Cutting your trip short and abandonment of your trip
• Lost, stolen or damaged baggage
• Lost, stolen or damaged passports
• Lost, stolen or damaged personal money
• Personal accidents and liability
• Legal protection

You can add additional cover to your policy. Options include:

• Gadget cover
• Excess waiver
• Trip disruption
• 45- or 60-day trip extensions (on  annual multi-trip  only)

Winter sports cover  is compulsory for winter sports trips and  cruise cover  is mandatory if you’re going on a cruise. It’s important to check the different travel insurances available, and their various options and add-ons you can buy. This way, you’re sure to be fully covered for your trip and all you’ll do on it.

Why is it important to have travel insurance?

Having travel insurance is a worthwhile purchase for anyone going abroad for their holidays. Even in relatively safe locations such as central Europe, a number of things can go wrong.

Flights can be delayed. Airlines can lose your luggage. Tourist areas may be prone to opportunist thieves who may target your belongings. And you could fall ill anywhere in the world, to the detriment of your holiday plans.

We hope that none of these events happen to you. But, if they do, you could be out of pocket. And with emergency medical problems it could be by tens or even hundreds of thousands of pounds.

Holiday insurance may be able to help avoid some of this risk. It’s a way to insure for travel you, those travelling with you and your belongings.

If your luggage is lost, holiday insurance may not be able to replace it, but the payout from a claim can help recover any costs that you have had to pay to get replacements.

In particular, the medical cover outside of the EU offered by insurance is a necessity.

Within the EU, you may think that an  European Health Insurance Card (Ehic) or its replacement, the UK Global Health Insurance Card (Ghic), can cover all your medical needs. This isn’t true. Some of the most expensive medical services, such as repatriation, aren’t covered by the Ehic or Ghic. They're limited to health cover and won’t help at all with things like cancellation, loss or theft. And the Ehic no longer provides access to healthcare for UK nationals travelling to Iceland, Liechtenstein, Norway or Switzerland.

Even if you’re staying in the UK for your break , having holiday insurance will provide cover for lost, damaged or stolen possessions such as baggage, and cancellation, cutting your trip short or delay to your trip in some circumstances.

To qualify for cover on our annual multi-trip policies, UK trips must consist of:

• At least one night's pre-booked and paid-for accommodation, or
• A stay at least 100 miles from your home, or
• At least one sea crossing

Why choose Post Office?

You’re in safe hands with Post Office. We won Best Travel Insurance Provider at the Your Money Awards in 2021, 2022 and 2023. We also won bronze for Best Travel Insurance Provider at the British Travel Awards 2023, voted for by the UK public.

Our premier cover is 5 Star Defaqto Rated. Defaqto is a financial information business, helping financial institutions and consumers make better informed decisions.

We have a range of cover options available to suit lots of different holidays, so you can choose the cover that suits you best. We’re there for our customers when they need us the most; since we launched travel insurance in 2007, we’ve paid out over £177 million in claims.

What cover is there for Covid-19 as standard?

Policies purchased from the 31 March 2022 onwards provide cover if:

• you test positive for Covid-19 within 14 days of your trip and are required to self-isolate by a medical practitioner, the NHS or any UK government body 
• a medical practitioner certifies you as too ill to travel due to Covid-19 
• you, someone you’re travelling with, or someone you’re staying with is required to self-isolate by a medical practitioner, UK government body or health authority 
• you, an immediate relative (8) or someone you plan to travel or stay with dies or is hospitalised due to Covid-19 

If an insured trip has to be cut short, the unused portion of it can be claimed for if:

• you test positive for Covid-19 after you’ve left the UK and have to self-isolate
• you test positive on arrival in your destination and are not allowed to continue your trip
• you, an immediate relative (8) or someone you’re travelling or staying with dies or is hospitalised due to Covid-19

There’s also cover for medical and repatriation costs if you fall ill with Covid-19 while away. Call our emergency assistance line and we’ll help you seek treatment or, if needed, arrange to bring you back to the UK.

There’s no other coronavirus cover on our policies, but for extra reassurance you can add our  trip disruption cover upgrade option. This gives you added protection against missed departures and expenses incurred due to change of testing or quarantine requirements. Add it to your preferred policy for an extra premium.

For policies sold on or after the 31 March 2022

Should the FCDO advise against all travel to your destination, there's no cover under any section of the policy if you decide to travel. 

If the FCDO have advised to only undertake essential travel to a destination and your trip's not essential and you choose to travel, we'll only cover a claim if the cause is not linked to the reason for the FCDO advice. This limitation applies even if you've purchased an optional trip disruption cover upgrade. You may be able to travel with full cover if we authorise in writing that your trip's essential before you depart. Should you like to request this, please email  [email protected]

Please make sure you’re clear what’s covered and what’s not. Check the answers to common questions about coronavirus cover and the full policy wording for more details.

Does Post Office Travel Insurance cover medical expenses?

Yes, our travel insurance covers you for unexpected medical expenses. This includes emergency treatment and hospitalisation, plus repatriation if you need it. Cover's provided up to the limit specified in the policy wording for the specific cover level you choose.

Emergency medical assistance

If you need emergency medical assistance, you can call our dedicated team. They're here 24 hours a day, 7 days a week to get you the help you need. Check the correct contact details for your policy on our travel insurance help and support page .

Non-emergency medical support

If it’s not an emergency but you still need to see a medical professional, you can use our Medical Assistance Plus (3) service. This outpatient service is included free with all new Post Office Travel Insurance policies.

Get easy access to medical experts such as doctors, dentists and gastroenterologists. The single online platform can be used wherever you are abroad.

Choose whether you’re seen at a clinic, in your hotel or via an online video consultation. All sessions are in your own language. They even have prescriptions delivered to your nearest pharmacy.

This takes away the stress of finding medical help, so you can kick back and enjoy your holiday to the full.

Do I need travel insurance for UK trips?

We provide cover whether you’re taking a break in the UK or going on holiday overseas. You’re covered if your luggage or personal belongings are lost, stolen or damaged while you’re staying away from home in Britain. And if you have to cancel or cut short your trip in some circumstances, we can cover that too. As long as it matches the reasons set out in your policy.

Our annual multi-trip travel insurance can cover you for UK trips too. The minimum requirements are one night’s pre-booked and paid accommodation. Or your stay must be at least 100 miles from your home. Or you must have at least one sea crossing.

Where can I go on holiday in the UK or overseas?

The UK Government provides guidance on travel 24 hours a day, 7 days a week. Visit the Foreign, Commonwealth & Development Office website for the latest travel information. It lists if it's safe to visit your chosen country. This information can change at short notice. So it's a good idea to check the FCDO page regularly.

Remember, your cover won’t be valid if you travel against the FDCO advice of all travel, and local government advice. Check the latest on the FCDO site or read our  where can I go on holiday guide .

Does travel insurance include gadget cover?

Our standard travel insurance policies will only provide limited cover for electronic items such as mobile/smart phones, camcorders and their accessories, all photographic/ digital/ optical/ audio/ video media and equipment, iPods, MP3/4 players or similar and/or accessories, E-book readers, and satellite navigation systems up to the single article limit. The single article limit depends on the cover you’ve taken out. For economy it’s £150, for standard it’s £250, and for premier it’s £400.

Gadget cover  is an optional add on you can buy at any time to add protection for your devices. Check the  policy wording for full terms.

Do you offer a student discount?

Yes, we do. We’ve partnered with Student Beans to offer a discount to students. To claim it, you’ll need to either  register for a Student Beans account (to verify your student status) or  log in with your existing account . You’ll be given a unique code, which you’ll need to enter in the promotion code box that appears when getting your travel insurance quote. The discount will be taken off your quote total.

Do you offer a discount for graduates?

Yes, we do. We’ve partnered with Grad Beans to offer a discount to graduates. To claim it, you’ll need to either register for a Grad Beans account (to verify your graduate status) or log in with your existing account . You’ll be given a unique code, which you’ll need to enter in the promotion code box that appears when getting your travel insurance quote. The discount will be taken off your quote total.

• Read more travel insurance FAQs

Need some help?

Travel insurance help and support.

For emergency medical assistance, to make a claim, find answers to common questions about our cover or get in touch:

Visit our travel insurance support page

We’re here to help on your travels

Access your travel insurance policy anywhere.

You can buy travel insurance and view your policy all in our free Post Office travel app. Plus you can order and top-up our Travel Money Card wherever you are too

Travel money made easy

Buy your travel money online. You can click and collect from a branch near you or choose next-day delivery to your home

Related travel guides and services

We all know the feeling – getting to the airport, then a wave of panic comes ...

It's a proud feeling when children turn eighteen and start holidaying on their ...

If you're travelling abroad as a family, it makes sense to take out insurance ...

Fancy trekking in a remote Asian rainforest? A wild time in New York? Flying ...

Learn the difference between embassies and consulates, and why you might need ...

With festivals overseas becoming the new norm, festivalgoers need to do a bit ...

Perched on the northern tip of Africa, Morocco’s long been a popular ...

It may be a short hop away, but a trip to France is not without its travel ...

Canada is a vast country of diverse delights – everything from bustling cities ...

For many UK holidaymakers, India is an intriguing and diverse culture with ...

Thailand’s idyllic beaches, azure-blue sea, buzzing cities and exciting ...

The white stuff is alluring, so make sure you can enjoy it safely, are ready ...

The status of Schengen visas for international students resident in the UK is ...

Every year, millions of holidaymakers from the UK head to Spain for its ...

The famous cliché of America is that it's big. And it is. Across its six time ...

Heading down under for a trip to or around Australia? Make sure you’ve got the ...

Today, Cuba is more accessible than it has been for many decades, and those who ...

Do UK residents need travel insurance for Ireland? And what healthcare is ...

Planning on living the high life with a trip to the UAE’s iconic mega-city, ...

Booking a last-minute holiday can get the blood pumping with the sudden thrill ...

Find out about medical care available to Brits in Mexico, as well as travel ...

Find out about the safety of travelling to Italy as well as the medical care ...

Make sure you’re travelling safely in Egypt with the latest advice and risks, ...

For your first time on the slopes, preparation can help you get the most out of ...

Taking your best friend on holiday with you is everyone's ideal situation, but ...

If you’re jetting off to Japan soon make sure you have good travel insurance to ...

How safe is South Africa to visit and why is having travel insurance important ...

Find out what medical care Brits can access in New Zealand and travel risks to ...

There’s nothing worse than falling ill while away from home. Along with the ...

Travel’s a great way to unwind, see the world, open the mind and expand ...

People flock to the Canary Islands from all over Europe. No wonder, with such ...

Greece and the Greek islands have long been a popular travel destination for us ...

Dark mornings, cold hands, heating bills and chapped lips are among the most ...

Travelling solo means freedom and independence, making new connections and ...

A trip to Turkey offers toasty beaches and tourist treats aplenty. No wonder ...

Learn about the different types of travel insurance available from Post Office, ...

There’s no better feeling than planning an amazing trip to an exotic ...

It’s your holiday too, and good preparation can take some of the worry out of ...

The opportunities to combine business and leisure have never been greater. You ...

Ready to jet off on a much-needed break but worrying about what you can take ...

Having your son or daughter go on holiday without you for the first time can be ...

ATOL stands for Air Travel Organisers' Licensing, a scheme that helps make sure ...

The arrival of Airbnb has helped to transform the travel industry in recent ...

A ski packing list has the potential to run to many pages. With a bit of ...

Whether you’re travelling solo because of business, you’re hoping to meet ...

Travelling with high blood pressure is fine – but it’s important to make sure ...

The whole idea of lounging around on the beach is to switch off and enjoy the ...

Over 60 million people travel from the UK most years for holidays or business. ...

Enjoy that precious time away with your grandchildren, and take some of the ...

There are several ways to get to the top of the class on your flight – whether ...

If you're travelling to an EU country from the UK, make sure you take a Global ...

The last thing you want to happen on holiday is standing the luggage carousel ...

Lots of people who need assisted travel at airports are missing out simply ...

If you're living with cancer but love to travel, can you get travel insurance ...

Going backpacking is one of life’s great adventures. But before you set off ...

It’s one of the most popular holiday hotspots for UK holidaymakers. But what ...

You should be able to get the right cover to travel abroad if you’re diabetic, ...

Most of the time, getting a flight is a hassle-free event. If you only take ...

Exploring the globe can be scary, but there’s so much to find at the edge of ...

From airboarding to snow-tubing, here's our list of unusual winter sports ...

Finding out that your airline or holiday company has gone bust is a shock – ...

Holidays for teenagers can take some imagination to make sure they’ve got the ...

Do you need travel insurance for your trip? Is travel insurance worth it? And, ...

So, you’ve booked your flights, accommodation and activities. What next?

Satisfy your travel craving while making your holiday budget go further. We’ve ...

Whether you’re heading to the beach for a much-needed break or boarding a boat ...

Travel insurance for a holiday in the UK isn't something you must have, but it ...

If you're the type of sunchaser who looks forward to that sizzling summer ...

In an average year, millions of Britons go abroad without the right travel ...

Some vaccinations for Thailand are recommended and some are mandatory in ...

As you get older, being able to go where you want when you want is all part of ...

Adventurous holidays can take many forms, from action-packed itineraries in ...

With the winter sports season upon us, we conducted a Winter Sports Survey for ...

About our travel insurance

Post Office® Travel Insurance is arranged by Post Office Limited and Post Office Management Services Limited.

Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: 100 Wood Street, London, EC2V 7ER. Post Office and the Post Office logo are registered trademarks of Post Office Limited.

These details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).

(1) Kids (under 18s) can be covered at no extra cost on our single-trip and annual multi-trip policies provided they have no medical conditions.

(2) For economy, standard and premier policies, the single-trip policy will cover you for one trip up to: 365 days for those aged up to and including 70 years 90 days for those aged between 71 and 75 31 days for those aged 76 years and above.

(3) Medical Assistance Plus is not available for trips taken in the UK, only for international travel. The service allows up to 3 separate medical events per person, per policy and for each medical event up to 3 appointments per person listed on the policy. All appointment charges are covered by your travel insurance policy. You will not need to pay any excess fees for this service.

For any online appointments or where the appointment was held at your accommodation, where a prescription is issued, you will need to pay for any medication and claim upon your return home. No excess will be applied for any prescription charges. If your appointment takes place at a clinic and they have a dispensing chemist, you will not need to pay for your prescription and all charges will be covered by your policy at the point of appointment. If there is no dispensing chemist at the clinic, you will either be given a prescription, or the prescription will be sent to a chemist by the treating doctor, and you will need to pay for any medication and claim upon your return home.

If your medical situation needs to be handed over from an outpatient case to an inpatient case and requires hospital admission, you will be handed over to our emergency medical assistance team in the UK. For any inpatient cases, no excess will be applicable.

(4) Increased to £750 if you bought your foreign currency from Post Office.

(5) Terms and conditions apply.

(6) Delayed and missed departure are only available with our standard and premier cover levels.

(7) Backpacker policies only available on the economy level of cover.

(8) Immediate relative: your mother, father, sister, brother, spouse, civil partner, fiancé/e, your children (including adopted and fostered), grandparent, grandchild, parent-in-law, daughter-in-law; sister-in-law, son-in-law, brother-in-law, aunt, uncle, cousin, nephew, niece, step-parent, step-child, step-brother, step-sister or legal guardian.

• International edition
• Australia edition
• Europe edition

Travel insurance: how UK holidaymakers can get the best deal

It is vital to weigh up reducing the upfront cost of a policy against what is covered and any excess

Get a GHIC card

The UK global health insurance card ( GHIC ) allows holidaymakers to use state healthcare in European countries, so it is invaluable if you fall ill or are injured while abroad. It was introduced to replace the European health insurance card (Ehic) when the UK left the EU. If you still have one, there may be no need to replace it straight away – it will be valid until its expiry date.

But while the GHIC is there to help in an emergency, Graeme Trudgill, the executive director of the British Insurance Brokers’ Association, says: “Don’t make the mistake of thinking this is an insurance policy, as it doesn’t provide comprehensive cover. It only provides limited emergency medical treatment and does not cover private facilities, repatriation or offer the wider cover for non-medical claims like a travel insurance policy does. You still need travel insurance to give you comprehensive travel cover.”

Are you already covered?

Before paying out for a travel policy, check whether cover is included in any of your existing financial products. Some packaged current accounts include travel insurance as one of the extras covered by a monthly fee.

For example, Nationwide’s FlexPlus account, costing £13 a month, includes worldwide family travel insurance, although there is a standard upper age limit of 70 for travel cover (for anyone aged 70-plus, you have to buy an age upgrade costing £65 a year).

Save with multi-trip cover

“Annual multi-trip cover is great for those travelling to multiple destinations over a 12-month period, and can be more cost-effective than buying multiple individual policies,” says Ceri McMillan at GoCompare’s travel insurance arm.

As an example, a search on the website TravelSupermarket showed that a standard single-trip policy covering a family of four during a two-week holiday in Spain, including gadget cover for up to £750, would cost £37.25 with Insure & Escape. A 12-month multi-trip policy offering the same level of cover for each holiday would cost £61.01 with the same firm.

One size doesn’t fit all

According to MoneySuperMarket, the most common claims on travel insurance relate to medical expenses abroad, cancellation of trips and lost, stolen or damaged baggage.

Fortunately, says Angela Dove at MoneySuperMarket: “Most policies cover cancellation, lost baggage and belongings, travel disruption, travel back to the UK if you have a medical emergency, and personal liability in cases where you have an accident and someone else is injured.”

However, there are significant variations between insurers and policies, so it is essential to read the small print to see what is covered and what isn’t.

If you plan to take part in sports or activities in particular, you need to check you are covered, Trudgill says. “Advise your insurance provider of any hazardous sports that you plan to undertake to check they are covered.”

Different insurers have different rules: for example, LV= includes activities such as paddleboarding, archery and hiking up to 2,500m in its standard policy.

Cost-cutting versus risks

One of the important differences between policies is the excess they charge – the amount of any loss you have to cover before the insurer starts to pay up.

“To help reduce the policy cost, you can opt to increase the excess you pay, or pick a lower amount of cover for your belongings,” Dove says.

But weighing up the savings against the risks is important. When we looked, the cheapest deal on TravelSupermarket for a single traveller taking a two-week break in Greece was £11.25 for Yourtravelcover.com’s “silver” policy.

However, the excess payable on a medical claim was £250. The same company’s “gold” policy cost £18.48 for the same trip but the excess for medical claims was a lot lower at £95.

Pay attention to the total amount covered in the event of cancellation, too. The Yourtravelcover.com silver policy provided cover of £1,300, while the gold policy went up to £3,000.

“Check that the value of your holiday is accurate so that you’re not paying for more cover than you need,” Dove says.

Travel light

“Avoid opting for additional add-ons if they aren’t needed,” McMillan says. “For instance, is it worth paying extra for gadget insurance, or could you leave expensive electronics at home, instead?”

If you add £1,000 of gadget cover to Yourtravelcover.com’s silver policy, the cost rises to £23.25, and there is an excess of £250 if you need to claim.

If you can’t leave them at home, check whether any items are already covered through your home insurance, mobile phone deal or bank account before ticking the gadget box.

Get the right medical cover

“Cover for medical expenses is one of the important protections people look for in a travel insurance policy, and can include not only the costs of any medical treatment but also compensation for lasting injuries, and even repatriation,” McMillan says.

“If you have any pre-existing medical conditions, you can still buy travel insurance cover but it is important to declare these to your insurer before buying your policy, as this will affect the cost.”

And Dove adds another warning. “If you don’t declare a medical condition, any claim can be declined,” she says.

Comparison sites, such as Confused.com, ask you to answer yes or no to whether you have any pre-existing conditions and then lead you through a list of questions to ascertain the details.

If your search on a generic comparison site does not produce any travel insurance options, that does not necessarily mean you cannot be insured at all. The government personal finance website MoneyHelper and Biba’s site have directories of firms that specialise in providing cover for people with medical conditions.

Pay on plastic

Few travel policies insure you against the risk of the airline or holiday company going bust (known as scheduled airline failure or end supplier failure). Paying with a credit card offers some protection under section 75 of the Consumer Credit Act: consumers who used a credit card to pay for goods or services costing more than £100 and less than £30,000 can hold the credit card company liable for a breach of contract by the seller.

The same protection does not apply to debit cards, though.

Know your flight compensation rights

Insurance is not the only way to get financial reparation when holiday plans go wrong. If your flight is delayed for more than three hours or cancelled, you may qualify for compensation. You can claim if your flight left from the UK, or from within the EU, Iceland, Norway or Switzerland, or if you were due to arrive in the UK or EU and were flying with a UK or EU airline.

The rules cover delays caused by understaffing, technical problems, or even bad weather that delayed a previous flight and had a knock-on effect on yours. However, if the problem was caused by “extraordinary circumstances”, which can include storms or air traffic control strikes, you are unlikely to qualify.

The amount you may be eligible for depends on things such as the length of the delay and the flight distance, as well as the amount of notice you were given before a cancellation. For flights cancelled with fewer than seven days’ notice, compensation ranges between £110 and £520 per passenger. You can claim directly through the airline. Beware of companies offering to make the claim on your behalf in return for a chunk of your payout.

• Travel insurance
• Money hacks
• Consumer affairs
• Consumer rights

Most viewed

Your holiday, your way

Our range of holidays includes honeymoons, family breaks and solo travel, as well as specialist trips focused on wellness, wildlife-watching, sports, relaxing and lots more.

Book Now for Summer 2024

It's the right time to get the best deals for this year's getaways.

• • Benidorm Holidays

Sol Pelicanos Ocas Hotel

Central location

£649 pp

• Balearic Islands
• • Majorca Holidays

Tent Palmanova

Includes a saving of £40

• Canary Islands
• • Tenerife

Close to the beach

£739 pp

• • Lanzarote

Barcelo Lanzarote Active Resort

Includes a saving of £120

£659 pp

• • Marmaris Holidays

Grand Ideal Premium Hotel

Includes a saving £120

£719 pp

• • Fuerteventura

Hesperia Bristol Playa

Close to bars, shops and restaurants

£589 pp

• • Alanya Holidays

Eftalia Ocean Resort & Spa

Direct access to Eftalia Island beach complex

£769 pp

Our Jet2holiday Deals

• See The Deals

Book with confidence

We're with you every step of the way

Interest Free Monthly Payments Available

Travel with confidence

Always ATOL Protected

UK's largest selection of worldwide holidays

4.9/5 Customer Rating

Which? recommended

Peace of Mind Guarantee

Our Latest Deals and Offers

All abroad for all-inclusive.

Go all-in at these fabulous resorts and hotels

BlueBay Lanzarote

£689 pp

Includes a saving of £415

• • Cape Verde

Riu Touareg

Includes a saving of £590

£899 pp

Sol Palmanova

includes a saving of £60

• • Zante Holidays

Zante Plaza Hotel & Apartments

Includes a saving of £20

£669 pp

• • Egypt

Sindbad Club

Unlimited waterpark access

£675 pp

We're Hiring!

Opportunities for travel consultants with a year's experience and much more

• See all our jobs and opportunities

See our latest and greatest offers

• • North Africa Holidays

Diwane Marrakech

Excellent facilities

£229 pp

• • Albufeira Holidays

Balaia Sol Holiday Club

Set within a privileged location

• • Gran Canaria

TUI BLUE Playa Feliz

Includes a saving of £660

£599 pp

• • Portugal

Ukino Terrace Algarve

£539 pp

• • Ibiza Holidays

Casa Luis Apartments

£499 pp

• • Costa Del Sol Holidays

Sandos Griego Hotel

Includes a saving of £138

£789 pp

Discover hand-picked exclusive adventures

The Best of Touring Spring/Summer 2024, bursting with unbelievable tours to inspire - From Sicily to Sri Lanka, Venice to Vietnam, Abu Dhabi to Andalucia – you’ll find something in our Spring edition to help you discover any corner of the world.

• Find your Nearest Branch
• Open our stunning latest edition

COME AND VISIT US

With over 470 branches and  3000 travel advisors, we'd love to see you in person to help you get the best deals.

• CALL 0800 408 4048
• FIND YOUR NEAREST BRANCH

Money latest: Popular restaurant chain launches legal bid over cockney rhyming slang for curry

Dishoom has launched a legal battle over the cockney rhyming slang for curry. Read this and the rest of today's consumer and personal finance news - and leave a comment - below.

Tuesday 21 May 2024 14:51, UK

• UK economy heading for 'soft landing' but mistakes have been made, says IMF
• Good news for drivers as oil prices hit two-month low
• Dishoom launches legal battle over the cockney rhyming slang for curry
• Two big moments this week - here's what's happening 

Essential reads

• Easiest countries for Britons to retire
• Britons should treat tea more like wine, expert says - as some secrets of improving flavour revealed
• Money Problem : 'My second-hand Ford is being written off with a known issue - but no one is taking responsibility'
• How to sell your home without an estate agent
• Basically... What is the FTSE
• Best of the Money blog - an archive

Ask a question or make a comment

Inflation is forecast to have fallen to around the Bank of England's 2% target in April - with an announcement at 7am on Wednesday.

A fall in the energy price cap at the start of April is a key reason - energy prices have been a driver of the huge prices rises seen in the last two years.

The Bank itself forecast inflation could hit 2.1% for April - down from 3.2% in March and the 40-year high of 11.1% in October 2022.

Respected insights firm Pantheon Macroeconomics thinks it could hit 2% due to "four components"...

• Ofgem's 12.3% price cap cut that took effect in April will slice 40bp off CPI inflation;
• Food inflation shaves another 14bp off overall inflation, as fading commodity-price rises pass through to consumers;
• The BRC Shop Price Index suggests another fall in goods inflation, with help from weaker global costs, cutting headline inflation by 36bp;
• Services inflation is estimated to have fallen to 5.4% in April, from 6.0% in March - a range of items such as mobile bills and rents saw hikes, but these were less severe than those a year previously.

Industry figures released on Tuesday suggest food inflation is indeed falling...

The main upward driver of inflation in April was the price of petrol, which spiked during the month due to Iran-Israel tensions. 

Capital Economics also forecasts overall CPI could dip to 2% - and says we could see inflation at 1% later this year, lower than the BoE expects.

It thinks energy prices will keep falling and "that, in response to the previous falls in agricultural commodity prices, CPI food inflation will fall below zero". 

Inflation falls will influence how soon we get an interest rate cut - as rates are kept high in order to tame inflation by squeezing the economy.

The next Bank of England decision is on 20 June.

Pantheon says: "Markets are pricing a 60% chance of a rate cut in June and more than fully pricing one by August, so the key question is not whether the MPC will ease soon but how quickly it will cut again after the first reduction.

"We expect one cut per quarter to a 3.5% terminal rate, but with risks skewed to the BoE pausing temporarily at 4.0% to 4.5%."

Hotel Chocolat is to open 20 stores over the next 18 months and is expanding its online reach. 

The shops will open in retail parks and feature a different design concept. 

Speaking during Retail Gazette's Future Consumer Debate, the company's head of customer marketing, Amy Harman, said shoppers want to be able to see, smell and feel the chocolate they're buying. 

"That's very much what we’re looking to do in our stores," she said. 

Explaining the choice to target retail parks, she said that's where the footfall and demand is. 

"There's more intent with consumers. They're going for a day out and going for an experience," she added.

The announcement comes as the brand prepares to launch on TikTok shop in the coming weeks as it looks to expand its online audience. 

Dishoom has launched a legal battle over the cockney rhyming slang for curry. 

The restaurant chain, which can be found in London, Manchester, Edinburgh and Birmingham, has asked for the term Ruby Murray to be freed up by the Intellectual Property Office. 

At the moment, a man named Tariq Aziz has the rights to the name for food and drink uses, with an IPO filing showing he registered the trademark in 2019. 

A search of the IPO site shows an application to revoke the trademark registration on the grounds that it has never been used was filed on 15 May by Dishoom Limited. 

Mr Aziz now has until 15 July to indicate whether he will offer a defence.

If he fails to do so, the trademark will be revoked and removed from the register. 

A Dishoom spokesperson told the Money team it doesn't believe the trademark's owner has ever used it. 

"There is a principle of 'use or lose it' in trademark law and we have therefore asked the UK IPO to remove the Ruby Murray mark from the register," they said. 

"Dishoom is not seeking to apply to register Ruby Murray in its own name; it wishes to remove the 'monopoly' on the use of Ruby Murray so it can be used freely by anyone when referring to curry." 

Dishoom does have a chicken ruby on its menu and in its cookbook and the Money team are big, big fans.

The International Monetary Fund has said the UK economy is heading for a "soft landing", but reiterated its message to Jeremy Hunt that he should not have cut National Insurance at the last two fiscal events.

In its annual check-up on the state of Britain's economy, the Washington-based Fund raised its forecast for gross domestic product growth this year from 0.5% to 0.7%, saying: "The UK economy is approaching a soft landing, with a recovery in growth expected in 2024, strengthening in 2025."

The Fund now expects inflation to come down to close to 2% in the coming months, and the Bank of England to cut interest rates by as much as three quarters of a percent this year, and then another percentage point next year.

The chancellor welcomed the Fund's Article IV report, saying: "Today's report clearly shows that independent international economists agree that the UK economy has turned a corner and is on course for a soft landing.

"The IMF have upgraded our growth for this year and forecast we will grow faster than any other large European country over the next six years - so it is time to shake off some of the unjustified pessimism about our prospects."

Government 'won't meet its debt target'

However, the IMF, which has warned the government explicitly in the past not to cut taxes too fast, in the face of rising spending projections in future, said the two 2p National Insurance contribution cuts at the last two fiscal events were a mistake.

"In light of the medium-term fiscal challenge", the report said, "staff would have recommended against the NIC rate cuts, given their significant cost."

The Fund's staff also believes the government is not on track to meet its main fiscal rule, which commits it to cutting the national debt in five years' time.

It believes net debt will carry on rising towards 97% of GDP in the following years, instead of falling back to 93% of GDP, as the Office for Budget Responsibility has forecast.

The Fund's double-edged report comes amid improving news for the UK.

Data released two weeks ago showed the country ended its short-lived recession with faster than expected growth in the first quarter of the year.

The Office for National Statistics is expected to announce tomorrow that inflation dropped close to the Bank of England's 2% target in April. That may enable the Bank to begin cutting interest rates from their 5.25% level in June or August.

Bank should speak more

The Fund's report contained a number of other recommendations for economic policy in the UK, including that the Bank of England should commit to more news conferences to explain its decisions, and that the government should consider imposing road charges to replace the revenue lost from fuel duty as electric cars become more predominant on UK roads.

For many Britons, retirement means moving somewhere new.

New analysis from relocation experts Property Guides has found the easiest locations for retirees, taking into account culture, visa requirements, cost and more. 

Landing in the number one spot is Ireland, with a lack of visa requirements, English-speaking residents and relatively "safe and happy" environment.

Spain, Portugal and Cyprus claim the next three spots on the list.

However, Spain is high on the minimum annual income requirement.

"Spain's is one of the most expensive. It is currently around €27,000 (£23,000) per year for the first applicant. Just over the border in Portugal, it is less than €8,500 per year. Turkey's is the cheapest, working out at a little over £5,000, while Italy requires over €30,000," Property Guides says.

Turkey also came out well for the low cost of living - unlike New Zealand.

European countries in general offer visas aimed specifically at those receiving pensions or investment incomes, according to Property Guides.

Commonwealth countries such as Australia and Canada, however, actively restrict those over 55 from moving there, even if they have a high passive income (income such as pensions, that doesn't require a job). 

It becomes easier if retirees have children who are already legal residents.

"Golden visas", which encourage wealthy people to invest in a country, are becoming less common. 

"Most countries are now cancelling their residential investment option, including Cyprus and Portugal, and Spain will soon be closing its own. However, for now, you can still get one in Spain, Greece and Turkey, for as little as a €250,000 property, and these we have judged the easiest to retire to."

Property Guides also looked at health services. They took rankings from a Legatum Prosperity Index. 

"Top scorers were Germany, Italy and France, in that order. Bottom of the pile was the USA."

The research noted that state pensions are not uprated for retirees in Canada, New Zealand and Australia.

It also factored in "sunshine hours", with the top three being Cyprus, Portugal and the US. Ireland came last here.

By Sarah Taaffe-Maguire , business reporter 

Good news for motorists: oil prices are at a more than two-month low at $83.08 for a barrel of Brent crude oil.

Lower prices will likely filter down to the pumps in about 10 days.

But it's not such good news for those in the Brixham area.

The parent company of South West Water - who supplies the Devon area - said 15% don't have normal service.

Shares in Pennon Group, which also owns Bournemouth Water and Bristol Water, fell 6.7% after it reported flat pre-tax profit - £16.8m was recorded for the 2023-24 financial year, the same as 2022-23.

That's despite shareholders being in line for a higher payout of 44.37p  a share.

Drug maker AstraZeneca is one of the best-performing stocks on the FTSE 100 index of most valuable London-listed companies today.

After it announced it aims to double revenues by 2030, the share price rose 0.53%. 

If you're buying dollars, you can get $1.27 for your pound or €1.17. 

By James Sillars , business reporter 

Grocery inflation has eased to its lowest level since October 2021, according to industry data released before official figures tipped to show a big dent in the overall pace of price increases in the economy.

Kantar Worldpanel - which tracks supermarket till prices, sales and market share - said its measure of grocery inflation slowed to 2.4% in the four weeks to 12 May from 3.2% the previous month.

The measure showed there is still upward pressure on the cost of items such as chilled fruit juices, drinks, sugar confectionery and chocolate confectionery - the latter a consequence of poor cocoa harvests.

Prices were still falling fastest in toilet tissues, butter and milk, the report said. It has previously pointed to wider assistance in falling costs from a price war among supermarkets.

Fraser McKevitt, Kantar's head of retail and consumer insight, said: "Grocery price inflation is gradually returning to what we would consider more normal levels. It's now sitting only 0.8 percentage points higher than the 10-year average of 1.6% between 2012 and 2021, which is just before prices began to climb.

"However, after nearly two and a half years of rapidly rising prices, it could take a bit longer for shoppers to unwind the habits they have learnt to help them manage the cost of living crisis."

Read more on this story below ...

Airbnb has the highest percentage of scam-related reviews, according to new data.

8.5% of comments left on the holiday-let site warned about scams, travel payment website PayFasto said.

Trivago came in second with 7.5%, Hotels.com third with 6.5%,  Myholidays in fourth with 6.1% and Booking.com fifth with 5.8%.

PayFasto says it is essential to do your research before booking a holiday online.

"Sometimes, if a deal looks way too good to be true, it often is," the company said. 

"Make sure you do research on the site and make sure they have legitimate ways to contact them if you were in the position where you needed to. If the site has no contact options, then this is certainly a red flag. "

It also warned holiday-goers to look for the ATOL (Air Travel Organisers' Licensing) scheme on websites, which guarantees customers protection separate from insurance when booking a package holiday that includes a flight. 

Sky News has contacted Airbnb for comment.

Basically, the FTSE (short for Financial Times Stock Exchange) is an index of the 100 largest companies by market capitalisation listed on the London Stock Exchange.

The index, operated by a division of the London Stock Exchange Group, is often referred to by its nickname "Footsie" and was created in 1984.

Among the companies in it are BP, HSBC, Barclays, Glencore and AstraZeneca.

Figures are reviewed every quarter. At each review some companies will exit and others will enter. Promotion and relegation, just like in league football for example, depends on performance.

The value figure presented in the evening is the closing value of the FTSE 100 for that day - representing the combined value of the top 100 companies.

How to invest in FTSE 100

You can buy individual shares of FTSE 100 companies via a share dealing platform.

There is stamp duty of 0.5% to pay on UK share purchases.

Once you've bought shares, you will need to keep track of the markets. If the shares you buy go up in value, you'll make a profit when you sell them subject to any fees.

Losses are only crystallised if you sell below the purchase price.

Tracker funds (open-ended investment companies or exchange-traded funds) provide the easiest way of investing in the FTSE 100.

Trading hours are Monday to Friday from 8am- 4.30pm.

You may have read about the FTSE reaching record highs in recent weeks - but the London-based index is actually a relative laggard this year compared with rivals in the US, Japan and Germany.

Membership arguably doesn't hold the prestige it once did - and an increasing number of major companies are citing the fact they could be valued higher as a reason for snubbing London.

Shell last month indicted it could abandon the city for New York for this reason.

Is it the top British companies?

The index is chock-full of companies that have little or nothing to do with the UK - such as Fresnillo, a Mexican gold and silver miner; Antofagasta, a Chilean copper and gold miner; and Ashtead Group, a plant and tool hire company which derives £90 in every £100 it earns from the US.

Even companies thought of as British, such as BP, Rolls-Royce, BAE Systems, Shell and Diageo, the world's biggest scotch whisky and tequila producer, derive the vast majority of their earnings outside the UK. In fact, of the 20 biggest companies in the Footsie, only one - the Lloyds Banking Group - can be said to make most of its income in the UK.

For a better gauge of how corporate Britain is doing, investors are better off looking at the FTSE 250, the next biggest 250 listed companies on the London Stock Exchange and home to household names such as Bellway, Games Workshop and ITV.

Read other entries in our Basically... series:

Britons will, on average, pay £182.40 more a year for broadband and £94.80 for mobile after last month's hikes, according to research by Uswitch.

Price hikes in April mean monthly broadband bills have increased by an average £15.20 and mobile bills by £7.90, with customers who have stayed with their provider for more than five years being hit hardest. 

Mobile customers across both pay-monthly and SIM only contracts who have stayed with their provider for eight to nine years paid an extra £13.20 on their mobile bill last month - a huge rise in comparison with the national average price increase of £7.90, Uswitch reports.

Those who switched their provider less than one year ago were the best off, with their increases averaging out at £6.70.

Similarly, broadband customers who stayed with their provider for seven to eight years paid an extra £22.10 this month - significantly more than the national average price rise of £15.20.

Those who switched less than one year ago paid 23% lower than the national average.

This Uswitch chart illustrates the numbers...

"Customers seeing these price rises can still take action," says Sabrina Hoque, telecoms expert at Uswitch.

"Your provider will let you know when your contract is about to end, so don't be tempted to ignore these emails when they come through. Run a comparison or ring your provider up and negotiate a better deal."

Be the first to get Breaking News

Install the Sky News app for free

You are using an outdated browser. Please upgrade your browser to improve your experience.

Card Accounts

Business Accounts

Help & Support

Personal Cards

Business Cards

Corporate Solutions

Online Travel

Travel Resources

Business Travel

Travel Money

All Insurance

Benefits and Offers

Manage Membership

American Express Travel UK

Frequently Asked Questions: Other Travel Information

Can i organise travel insurance through american express.

Yes, American Express Travel Insurance offers a range of policies including single trip, annual and family cover. Please contact our insurance team for advice. 

What is the best way to keep up to date with the latest Amex offers?

Log in to your account to find Amex Offers  here .

Travelling while pregnant?

Most airlines allow pregnant women to fly until the end of the 35th week for single pregnancies and the end of the 32nd week for multiple births (i.e. twins). After 28 weeks you need to carry a certificate from your doctor or midwife confirming your due date and that there are no complications with your pregnancy. Please also check your travel insurance terms. For cruises, restrictions vary by cruise line but generally travel after 26 weeks is not permitted. Please check with your cruise consultant. If you have any other questions, please Contact Us .

Are my details secure online?

Please refer to the Online Privacy Statement .

Do you pass data on to Third Parties?

Yes - as required for your travel booking. For more information, please view our Privacy Statement here .

Will I need any vaccinations?

For medical advice about your holiday destination or journey, including vaccinations, please contact your family doctor or local travel clinic. Please allow time to have any necessary (or recommended) immunisations in good time.

What documentation will I need to travel?

• Your passport with at least 6 months validity from the return date.
• It is vital that the name on the booking exactly matches the name on the passport.
• Name changes later will incur a fee and could stop you boarding.
• Any necessary visas.
• Your tickets / ticket confirmation.
• Take at look at our Travel Checklist Page for other things you might need.

What if I have a complaint?

If you have an issue with a travel provider whilst traveling, it's usually best to speak directly with the travel provider (airline, cruise line, hotel or car rental company). If you have a post-holiday complaint, please contact us .

Back to Top

• American Express Travel Checklist
• COVID-19 Travel Information Hub

Travel services

• Membership Rewards
• American Express Travel sitemap

Travel support

• Travel Support
• Manage My Booking
• Frequently Asked Questions

Featuring reviews from

American Express Europe LLC (AEELLC) trading as American Express Travel, Belgrave House, 76 Buckingham Palace Road, London SW1W 9AX, United Kingdom is a member of  ABTA  (ABTA number C4330) and  ATOL  (ATOL number 0151). Being a member of ABTA (ABTA number C4330) means you have the benefit of ABTA’s assistance and Code of Conduct and this allows you to book with confidence. All the package and Flight-Plus holidays we sell are covered by a scheme protecting your money if the supplier goes out of business or is no longer able to provide the intended holiday. Other services such as hotels or flights on their own may not be protected and you should ask us what protection is available. American Express’s ABTA membership does not cover cruise bookings and should therefore not be relied upon when booking cruises or cruise packages. These bookings are covered by our third-party provider, ICE Cruise’s ABTA membership (ABTA number L6366). Many of the flights and flight-inclusive holidays on this website are also protected by the ATOL scheme, this ATOL protection does not apply to all holiday and travel services listed on this website. If you do not receive an ATOL Certificate then the booking will not be ATOL protected. If you do receive an ATOL Certificate but all the parts of your trip are not listed on it, those parts will not be ATOL protected. Please see our booking conditions for information, or for more information about financial protection and the ATOL Certificate go to:  www.atol.org.uk/ATOLCertificate  . Please contact us to confirm what protection may apply to your booking.