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Business travel insurance

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Business trip cover on your travel insurance

When you get travel insurance quotes, you need to say if you're travelling for work because not all insurers will cover business trips.

Policies that cover business travel will include what you’d expect to find on standard travel insurance, like medical cover and luggage cover, but also offer specific cover for business equipment, samples of merchandise, suits and (occasionally) golf cover.

You can get business cover as part of a single-trip, annual or long-stay policy, for an individual, couple, family or group.

What business travel insurance covers

The business element of your travel insurance could include cover for:

  1. Business money and equipment (sometimes including sports equipment)

  2. Samples and merchandise

  3. A replacement trip if the original is cancelled

  4. Bringing in a replacement colleague if you’re unable to continue

You’ll also be covered for the usual things travel insurance covers, like:

  1. Medical expenses

  2. Repatriation

  3. Money and travel documents

  4. Trip cancellation and curtailment

  5. Legal fees

What you’re covered for in terms of sports will vary, but personal accident and liability could be included for sports like golf and fishing.

If your business trip includes adventurous activities, like yachting or paragliding, you might be able to add them on to your travel insurance for an extra fee, if they’re not already included as standard.

Annual versus single trip cover for business trips

Whether you need single or annual cover for your business trip depends on how often you travel

Single trip
Annual trip

If you only go on one or two business trips a year that last a month or less, single-trip insurance would suit your needs.

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Key points

  • Best for one short-duration trip
  • You can buy it well in advance
  • BUT you might have less insurers offering you quotes if there’s more than a year to go

Annual or multi-trip insurance is usually more cost effective if you’ll be going on two or more work trips within a year.

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Key points

  • Best for multiple short-duration trips
  • Your policy start date must be within 30 days of when you compared cover
  • Annual cover costs less than multiple single trip policies

Are you already covered?

Some companies will offer its staff insurance as part of its employment package, so your business trip might already be covered.

If you’re self-employed, you’ll definitely need to arrange your own travel insurance unless it’s already covered as part of a packaged bank account or paid-for credit card.

Make sure you declare any pre-existing medical conditions you have, and check the policy includes travelling for business not just for leisure.

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