Travelling together can save you money in lots of ways, including travel insurance. It can work out cheaper to get one policy that covers all of you, rather than buying cover individually.
Group travel insurance can cover up to 10 people under one policy.
They’re not just for travelling with extended family - as long as your group is travelling together, it can cover whoever.
This usually works out cheaper than insuring everyone separately. The exception is if anyone in your group has a pre-existing medical condition. It'll make cover more expensive.
Group travel insurance covers everyone listed on the policy for cancellations, medical emergencies and lost or stolen money, possessions and baggage.
You can compare single trip and multi-trip policies - useful if you travel together as a group more than once each year.
Children under 18 must be travelling with a responsible parent or guardian.
Like with any travel insurance policy, you’ll need to watch out for exclusions:
Alcohol-induced injuries and pre-existing medical conditions are the two main things that usually aren’t covered by travel insurance
You might have to pay a bit extra to have certain activities included on your policy
Some group insurance policies won’t cover you if you’re over a certain age
If anyone is catching a separate flight, or departing from a different airport, you might not be able to include them on your policy
Usually, travel insurance will only cover you if you’re travelling from and returning to the UK
Check your policy details to find out what’s covered in an emergency. For example, treatment, accommodation and returning home expenses.
You should also check your policy to find out your cover limits for your baggage and belongings. Again, make sure it’s adequate per person.
You might be able to get your group travel insurance for less by:
Choosing a higher excess level - providing it's affordable for everyone in your group
Shopping around to find a policy that suits everyone
Finding deals where children are included for free
Comparing the price of individual cover with the cost of a group policy
Package holidays are usually covered by ATOL, so you might not need to make a claim on your group travel insurance. You just need to have booked your holiday through an ATOL protection holder, so check for the logo before you book.
If you’re booking your own group trip, it’s especially important to make sure you have the right travel insurance. Get a policy that covers trips booked in this way (as some don’t) and consider the type of policy you need, your destination and the cover limits.
For trips that aren’t covered by ATOL, standard travel insurance might not cover the cost of your flights if the airline goes into administration - make sure your group travel cover includes Scheduled airline failure insurance (SAFI).
Which? Travel insurance explained. January 2019