How is my travel insurance premium calculated?
Your travel insurance premium is based on a number of factors relating to you and your trip.
These can include:
Where you are travelling to.
How long you are travelling for.
How far in advance you purchase your policy.
Who you are travelling with.
Any medical conditions that need to be declared.
The activities you plan to take part in during your trip.
Each of these factors can affect the level of risk being insured and therefore the price of your policy.
Why do travel insurance prices change over time?
Travel insurance premiums can also be affected by wider external factors, which may cause prices to increase or change from year to year.
We have created a guide explaining:
Why we consider these pricing factors.
How external factors can affect insurance premiums.
How we assess whether our policies provide fair value.
Read our guide: How we price travel insurance
Important: All cover is subject to the policy terms, conditions, exclusions, cover limits and any applicable excess.