Independent Travel Holiday Insurance Extra

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Planning your own getaway without travel agents or tour operators could get you exactly the trip you're after without compromising on features. Essential Travel will cover you for these trips when you add extra Independent Traveller Insurance cover to your holiday insurance quote. To add this to your Single, Annual or Backpacker trip, simply complete the quote form and select Independent Traveller as a policy extra after filling in your personal details.

With Independent Traveller protection added to your policy, you enjoy 4 extended benefits:

*Your cover will not apply if these costs are recoverable from the accommodation or transportation provider themselves.

Experts Top Tip: Independent Traveller is useful if you are planning your own trip or part of it, since you may not be covered under travel industry protection schemes for insolvencies (bankruptcy) and cancellations.

Extended Cancellation and Curtailment

You are advised to claim for your benefits when your booked accommodation becomes unreachable and unusable due to a travel ban or evacuation recommendation issued by one of the following bodies:

Extended Delayed Departure

Not only will we pay you for the first 12 hours of delay, but also every concurrent 12 hour period up to the cover limit indicated in the list above as long as you do eventually continue on your planned trip.

If you are unable to continue on your trip and have paid or are contracted to pay for your public transport and accommodation, you can claim for benefits. Before you claim, be sure that:

You also can claim when you have to make alternative travel arrangements because the public transport provider failed to offer reasonable alternatives after:

Experts Top Tip: When securing a quote, please note that the Independent Traveller add-on is not available on our Standard cover level.

Extended Missed Departure

Missed departure covers you for extra expenses for travel and accommodation if you fail to arrive at your departure point. Conditions for cover include:

Accommodation

This extra cover lets you claim for you not being able to reach or use your reserved accommodation. It also incorporates reasonable travel and accommodation costs for you having to move to alternative accommodation or curtail your trip due to:

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How To Protect Your Holiday

How To Protect Your Holiday

You may not be protected under major travel schemes if you book the various components of your holiday separately, however, you will have some limited protection if you pay by credit card. That's why travel insurance is vital for independent travel: it will give you all the extra protection you need. For more on protecting your holiday - Read More

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Annual Multi Trip Travel Insurance

Annual Multi Trip Travel Insurance

Annual Multi Trip Travel Insurance is the ideal option for those who want comprehensive cover for all their trips this year, even those last minute adventures abroad.

Backpacker Insurance

Backpacker Insurance

Our Backpacker Travel Insurance can cover 2 years continual travel, including working and volunteering as well as medical, cancellation and baggage cover.

Sports Insurance

Sports Insurance

From bungee jumping and skydiving to weddings, cruises, golf, independent traveller cover, excess waivers and even business insurance. We have you covered.

Medical Conditions

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Single, Annual and Backpacker

What Is a Pre-Existing Medical Condition?

What Is a Pre-Existing Medical Condition?

Do you have a pre-existing medical condition that you need to declare to your travel insurance provider? Get advice on pre-existing medical conditions.

When is The Best Time to Buy Travel Insurance?

When is The Best Time to Buy Travel Insurance?

Essential Travel recommends the best time to purchase your travel insurance to make sure your holiday is fully covered and you get the most from your policy.

How To Save on Your Holiday Abroad

How To Save on Your Holiday Abroad

Learn how to cut costs on your holiday insurance & receive exclusive travel insurance discounts. Cover for medical emergencies, cancellation and lost luggage.

You can customise your policy further with pre-existing medical condition cover, sports and a number of other specialist add-ons.

Do You Need to Declare a Medical Condition?

If you have a pre-existing medical condition it's vital that you declare it or you could invalidate your entire policy. Insurers don't like to think that you've hidden things from them and you may be surprised to find out that many common medical conditions such as allergies can be added without any additional cost. What's more, you even have the option to declare a condition but then exclude it from your policy. What this means is that you've told your insurer about your condition but decided not to cover it, so you will be covered medically for anything unrelated to that condition.

Do You Need Extra Sports or Specialist Cover?

A decent policy will include cover for many sporty or adventure activities as standard. However the more adventurous or dangerous the activity, like winter sports, the more likely it is that you will need to purchase additional sports insurance. You can customise your policy further a number of other specialist add-ons.

Winter Sports

Add Winter Sports to your Single, Annual or Backpacker policy you can take part in over 26 x sports and be covered for:

Medical: you will be covered for emergency medical expenses that occur should you have an accident and require medical attention including cover for mountain rescue, helicopter rescue costs and repatriation

Equipment: Winter Sports cover also provides peace of mind against any theft, loss or damage to your personal or hired equipment as well as any pre-paid fees.

winter sports cover →

Golf

Cover for your golf equipment and pre-paid green fees can be added to your policy giving you nothing else to work on except your game.

Simply add extra golf protection to your Single, Annual Multi or Backpacker Trip policy to add extra protection for:

  • Your Personal Equipment up to £1000
  • Hired Equipment up to £200
  • Pre-paid Green Fees up to £300
golf trip insurance →

Business

Self employed or working for a company, if you travel for work you can add extra protection against accidental loss, theft or damage to your business equipment to your Single, Annual Multi or Backpacker Trip policies.

Business cover protects equipment such as cameras, mobiles, laptops that you may need to work or have with you in meetings.

business trip insurance →

Cruise

Sail the seas worry-free by adding extra cover for missed port, cabin confinement and unused excursions to any of our Single, Annual Multi or Backpacker Trip travel insurance policies.

Cruise cover will add extra protection for:

  • Extended baggage cover up to £3,500
  • Missed shore trips up to £500
  • Cabin confinement (due to illness) up to £600
  • Valuables up to £700
cruise insurance →

Wedding

If you're planning on tying the knot abroad, extra cover for accidental loss, theft or damage to your your wedding clothes, rings, gifts and photos can be added to your Single, Annual Multi or Backpacker Trip policy, to help ensure that your special day is everything it’s meant to be.

  • Wedding Clothes up to £1500 per person
  • Wedding Gifts up to £1000 per couple
  • Wedding Rings up to £250 per person
  • Wedding Photographs up to £750 per person
wedding travel insurance →

Excess Waiver

Should you need to claim on your travel insurance an Excess is the amount that you'll have to pay before we pick up the rest of the bill.

Avoid paying any excesses by adding the Excess Waiver option to your Single, Annual Multi or Backpacker Trip policy.

find out more →

Independent Traveller

If you've packaged your holiday yourself (without the help of a travel agent) add the Independent Traveller add-on will provide cover for additional scenarios such as:

  • Extended Cancellation and Curtailment: If you need to cancel or return home early because your booked accommodation becomes unreachable and unusable due to a travel ban or evacuation
  • Extended Delayed & Missed Departure: Not only will we pay you for the first 12 hours of delay, we'll also help with pre-paid travel, accomodation & any alternative travel arrangements you may need to make
find out more →

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