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A group travel insurance policy covers a group of people travelling together, not necessarily a family; it may be a sports team, or even a group of shrewd friends. If you’re planning a trip away with a group of individuals, whether it’s for a match or a hen do; you could save money by getting a group insurance policy.
Group travel insurance policies are a popular choice for friends and separate families looking to holiday together - allowing up to 10 people on one policy! In 2017, 1 in 5 holidaymakers travelled as part of a group of adults, making group travel insurance a common choice.
We know how important your things are and keeping them safe whilst travelling is imperative to having a relaxing and stress free trip. This covers you financially should your possessions or baggage get misplaced, damaged or stolen.
When travelling in a group, it is recommended to find a policy offering up to £2m for any emergency medical expenses within Europe. For worldwide travel cover you should consider a policy offering up to £5m - this is due to the increased healthcare costs.
Groups of tourists can attract unwanted attention and often find themselves victim to theft or loss of money. It is therefore important to be covered in case something unfortunate happens.
If, for any reason, your trip is cut short or you have to cancel a few days before, this covers you financially so you’re not at a loss.
When travelling with a group of individuals, there are still certain exclusions to be mindful of when filing a claim. It’s important to understand what’s not covered by group travel insurance, these are as followed:
A standard group insurance policy might not include cover for any activities you wish to do whilst you’re away. It is important to check whether your policy provider includes additional cover as activities such as winter sports might need to be added onto your group policy.
Whilst it usually costs more for travellers over-65 to get insurance, some group insurance policies won’t cover you if you’re over a certain age - so always check whether you’re covered.
If anyone in the group is catching a separate flight, or departing from a different airport, you might not be able to include them on your policy.
Usually, group travel insurance policies will only cover you if you’re travelling from and returning to the UK.
If a member of the group has a pre-existing medical condition, it is likely an insurance provider will push premiums up for each individual traveller.
Group travel insurance can help groups of individuals save money on their travel insurance policies. There are a number of policies available for groups, which include cover for children, adults and over-65s.
Whilst you might consider family travel insurance if you all live under the same roof, group travel insurance allows a group of up to 10 individuals to travel together within the same policy - of which do not necessarily have to be a family living in the same house.
By comparing insurance quotes at Quidco, you can save money and find cheap group travel insurance policies that suit your travel requirements. You could get up to £27 cashback, too. Other factors that insurers take into account when providing a policy include:
The younger you are, the cheaper your insurance quote is going to be. Due to their increased exposure to risk, travellers over the age of 65 tend to get quoted higher premiums. That being said, if you are an older traveller and you can prove a no claims history, then you might be eligible for a cheaper quote.
If you buy a single-trip policy then your insurance premium is likely to be a lot lower. You’ll also pay more for longer holidays. However, if you’re a frequent traveller, it might work out cheaper to look into multi-trip policies.
Similar to family travel insurance, children under the age of 18 travel free under a group policy, which can be a desirable reason to opt for this type of policy over individual policies. It is important to note that children under the age of 18 should be travelling with a responsible parent or guardian.
Whatever your plans are whilst you’re away, you may need extra cover to get insured for certain activities, like winter sports or extreme sports. Some policies may even provide cover for any illness or injury that happens as a result of the activity, including cover for sports equipment, or public liability if you were to damage any people or property whilst taking part.
Whilst getting a group insurance policy can be beneficial to save time, money and ease stress, having one policy can be easier if you end up needing to claim.
Providing each individual has no pre-existing medical conditions and you haven’t got any expensive add-ons, group insurance policies can work out cheaper and less hassle. It is important to note that not all group insurance policies are cheaper so it’s best to compare using comparison sites such as Quidco.
Group insurance policies provide an added level of security, for example if someone were to fall ill before the trip, group travel insurance will often allow everyone to cancel. This might be more difficult if you’re all insured separately.
Group travel insurance with a pre-existing medical condition is somewhat of a tricky territory. Whilst some providers might allow you to travel under a group policy with a medical condition, it will no doubt push premiums up for each individual. Therefore, it might be more financially feasible for you to get separate travel insurance.
If you have any pre-existing medical conditions, it is important that you declare this with your insurance provider. Whilst it might push premiums up, you run the risk of your claim being rejected if you do not declare it when applying for insurance.
Travelling in larger groups can be a lot of fun, but it is important to keep a few things in mind to stay safe and avoid having to make an insurance claim:
Do some research on the place you intend to visit before you do so. It is better to be prepared than to be caught out by places that others would avoid.
If you travel as a group, you're less likely to be a victim of crime. It's also a good idea to make sure no one is left alone when they're in an unfamiliar area, especially if they don't speak the local language.
Make sure you know the emergency medical or police emergency number of the country you’re visiting.
Travel insurance policies are usually rejected or voided if you are trying to claim for an event that happened while you were under the influence of alcohol or drugs.
Non-essential and international travel is not currently permitted before 17 May 2021 at the earliest (dates subject to further confirmation from the government)
By comparing different policies and insurance companies, Quidco can provide access to cheap group travel insurance quotes with up to £27 in cashback. Simply work out the type of cover you need for your trip, then use the comparison tool to get instant quotes and find the ideal group travel insurance.
Unfortunately, if advice from the FCDO (Foreign, Commonwealth & Development Office) warns against non-essential travel to your destination when your trip starts, you won’t be covered if you still go away or decide to cancel for this reason. It is important to make sure you check the latest FCDO guidance before you travel.
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When using the Compare service, you must take reasonable care to answer insurers questions fully and accurately and if you volunteer other information, you must take reasonable care to ensure that the information is not misleading. If any information that you have provided changes before you take out your insurance, during the life of the policy or at renewal you must inform the insurer or broker of the change. If you deliberately or carelessly misrepresent any information in relation to this insurance, then your policy may not pay all, or part, of a claim and could in certain circumstances be avoided altogether.