Review: Flexicover Travel Insurance
By Ronny Lavie 
Summary
Flexicover Insurance is one the UK’s leading direct sell travel insurance providers, focused on providing a range of policies at reasonable prices.
Regulated by the Financial Conduct Authority, Kent-based Flexicover is a division of Citybond Holdings Plc, which has been trading since 1983.
You can get a quote at the Flexicover website. Add the promotion code 'FXA10' on their quote form to get 10% off the price of any policy.
Overview of cover provided by Flexicover travel insurance
Flexicover offers insurance for single trips, annual travel and gap years, as well as additional winter sports cover. There are two levels of cover available: Essentials and Elite.
Both levels offer a comprehensive range of features and benefits, although Elite offers additional cover for emergency replacement of baggage, delayed and missed departure, and abandonment. Elite cover also offers higher claim amounts, for example £10m in emergency medical expenses, compared to £5m for Essentials cover. Policy excesses are also higher on Essentials policies; £100 for trip cancellation compared to £75, for instance.
Single trip insurance covers trips up to 31 days, and includes free cover for over 30 listed sporting activities, plus no extra cost for cruise holidays. Annual cover offers protection for trips of up to 31 days, with no limit on the number of trips taken throughout the year, plus free cover for more than 120 sports activities and optional cover for pre-existing medical conditions.
Flexicover’s Gap Year policies are particularly comprehensive, even offering cover for hijack and kidnapping (which is not available on single and annual trip insurance), a huge range of sports activities, temporary returns home and a discount for two people travelling on the same policy.
Right for you? Get a quote online and quote promo code 'FXA10' to save 10% on any policy.
What about pre-existing medical conditions?
Flexicover holiday insurance will offer cover for some pre-existing medical conditions, but not all. Declarations can be made when obtaining a quote, or via www.healthscreen247.com, which will tell you if your condition can be covered or not. Regardless of your declaration, Flexicover will not insure you if you travel against medical advice and your policy may be invalidated if you do so.
How much does cover from Flexicover insurance cost?
The cost of Flexicover holiday insurance will depend on a number of factors, such as the type of cover you require, the duration of your trip, any pre-existing medical conditions, and so on. The company has built its brand around offering solid cover at a reasonable price, although bear in mind that you may be subject to additional fees, such as a policy issue fee (£1.80) and a fee should you cancel within 14 days (£5).
To give you some indication of cost, we have obtained the following sample quotes:
Single, one-week trip to Europe:
Essential: £12.46
Elite: £13.56
European annual policy:
Essential: £43.79
Elite: £46.38
Single, one-week trip worldwide:
Essential: £29.94
Elite: £36.20
Worldwide annual policy:
Essential: £66.24
Elite: £77.92
Get a tailored flexicover.co.uk travel insurance quote here.
What do Flexicover travel insurance reviews from customers say?
Flexicover has taken the unusual step of creating its very own dedicated reviews portal: flexicoverreviews.co.uk, where customers can leave honest feedback about the service they’ve received. Currently, the company’s single trip insurance has scored 4.44/5, its annual insurance has scored 2.5/5 and its gap year cover has a rating of just 1/5. On money.co.uk, however, more than 500 customers have rated the company 4.5/5 – an ‘excellent’ rating – with 95% saying they’d recommend the company to their family and friends.
What do Flexicover travel insurance reviews from the experts say?
Which? rates Flexicover insurance as one of its recommended travel insurance providers, giving its policies 75% and its customer score 67%. This gives the company an overall score of 71%, putting it in 16th place on the list of 34 providers. Meanwhile, Defaqto – the independent reviewer of financial products – has awarded Flexicover’s Elite cover three stars (‘standard’) and its Essential cover two stars (‘a product offering below average features and benefits’).
