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Group travel insurance

Compare group travel insurance quotes with theidol.com[1]

Travelling together is popular - around one-in-five of us holidayed with extended family groups or on adult-only group vacations in 2018.[2]

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.

What is group travel insurance?

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.

How group travel insurance works

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.

Some insurers will cover a range of adventurous activities or winter sports as standard, but others might have to be added for an additional cost.

Children under 18 must be travelling with a responsible parent or guardian.

What group insurance won’t cover

Like with any travel insurance policy, you’ll need to watch out for exclusions:

  1. Standard exclusions

    Alcohol-induced injuries and pre-existing medical conditions are the two main things that usually aren’t covered by travel insurance

  2. Sports travel insurance

    You might have to pay a bit extra to have certain activities included on your policy

  3. Age limits

    Some group insurance policies won’t cover you if you’re over a certain age

  4. Different flights

    If anyone is catching a separate flight, or departing from a different airport, you might not be able to include them on your policy

  5. Different countries

    Usually, travel insurance will only cover you if you’re travelling from and returning to the UK

What level of cover do I need?

According to consumer group Which? you should look for policies with £2 million medical cover for Europe and £5 million for worldwide. That's per person, not for the entire group.[3]

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.

Getting cheaper group travel insurance

You might be able to get your group travel insurance for less by:

  1. Excess

    Choosing a higher excess level - providing it's affordable for everyone in your group

  2. Shop around

    Shopping around to find a policy that suits everyone

  3. Child free

    Finding deals where children are included for free

  4. Compare cover

    Comparing the price of individual cover with the cost of a group policy

Package holidays or booking your own travel

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).

Travel insurance guides and tools

[1]Gocompare.com introduces customers to theidol.com which is authorised and regulated by the Financial Conduct Authority. Gocompare.com's relationship with theidol.com is limited to that of a business partnership, no common ownership or control rights exist between us. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites

[2]Statistics from ONS Travel Trends 2018 and ABTA Holiday Habits Report 2018

[3]Which? Travel insurance explained. January 2019

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