Your Holiday Insurance, Our Expertise.
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.
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:
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.
Missed departure covers you for extra expenses for travel and accommodation if you fail to arrive at your departure point. Conditions for cover include:
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:
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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You can customise your policy further with pre-existing medical condition cover, sports and a number of other specialist add-ons.
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.
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.
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 →
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:
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 →
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:
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 its meant to be.
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 →
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:
Essential Travel is a trading name of Holiday Extras Cover Ltd, which is authorised and regulated by the Financial Conduct Authority FRN 828848. Holiday Extras Cover Ltd 05058680 is registered in England and Wales. Registered office address: Ashford Road, Newingreen, Hythe, Kent CT21 4JF.
Essential Travel is underwritten by White Horse Insurance Ireland dac who are authorised by the Central Bank of Ireland. To check this you may visit www.centralbank.ie.