Why should I buy independent travellers insurance?

Independent travellers insurance is provided as an optional extra to our Premier travel insurance policies. It offers some of the financial protection customers would normally receive from their tour operator when purchasing a package holiday. When booking travel and accomodation independently customers do not enjoy the same amount of financial protection when certain problems arise.

Independent travellers insurance will cover such things as flight cancellations, denied boarding, delayed or missed connections and loss of unused accommodation due to the insolvency of your accommodation provider, and necessary additional costs, such as extra transport or alternative accommodation.

Independent travellers insurance will also cover any irrecoverable unused accommodation costs and other pre-paid charges which you have paid or are contracted to pay because you were not able to travel and use your booked accommodation or, reasonable additional accommodation and transport costs incurred as a result of the insolvency of the providers of the accommodation, fire, flood, earthquake, explosion, tsunami, landslide, avalanche, hurricane, storm or an outbreak of food poisoning or an infectious disease affecting your accommodation or resort.

So if a customer is planning on booking parts of their travel arrangements themselves, rather than as part of a package from a travel agents, you may wish to offer them our independent travellers insurance to help protect them from such eventualities as may beset the independent traveller. If they are buying an annual travel policy you may wish to take the independent travellers insurance so they can be flexible in their future travel arrangements, and remain covered for travel arrangements they make independently.

Further details of our covers and the exclusions and limitations can be found in the policy summary and certificate wording.