Review: Southdowns travel insurance

Digby Bodenham By Digby Bodenham

Key policy information

  • Southdowns travel insurance is underwritten by AXA
  • It can cover people with pre-existing medical conditions
  • Southdowns offers four levels of cover for annual and single trips


Southdowns is an insurance intermediary located in West Sussex. It provides service support for an international general insurance intermediary, and offers its own products that are underwritten by AXA. These include travel insurance for single and annual trips, winter sports and cover for those with pre-existing medical conditions.

Bought By Many aims to help people with medical conditions get fairer and cheaper travel insurance. Our groups include cover for people with heart conditions and for cancer patients. You can join any of our travel groups for free here so that you can receive our member discounts.

All of Southdowns’ single-trip policies include cover for cancellation, loss of luggage, personal accident and medical expenses as standard – with legal expenses and departure delays available as optional extras, ensuring you’ll be covered for a variety of situations.

Southdowns' annual policies offer similar cover to single trip policies with the addition of emergency medical expenses and personal money as standard, handy additional cover to have if you travel regularly.

Winter sports insurance has been designed for all levels of skiers and snowboarders and includes off piste, medical expenses and equipment cover.

Learn more about off-piste insurance for skiers and snowboarders.

Southdowns’ customer service is provided by a team of call centre agents within the UK, all of whom have specific experience within the travel insurance industry. Its phone number is 01903 255 659.

Find out how Southdowns compares with the 10 best travel insurers.

How much does Southdowns cover cost?

The single and annual trip policies each have four levels of cover – bronze, silver, gold and platinum.

Platinum cover offers £15m of medical expenses, £6,000 of cancellation cover, £3,500 for baggage, £350 for delayed departure and it has a £50 excess.

Prices for a 40-year-old traveler on a 10-day trip with worldwide cover range from £22.70 to £39.50.

For a 22-year-old on an annual worldwide trip prices range from £29.26 to £69.03.

For comparison, here are the prices from rival ERV: Annual worldwide cover for a 22-year-old gives prices for three levels of cover – £31.36, £37.63 and £59.58.

For a 40-year-old on a worldwide single trip for up to 10 days the quotes are £19.25, £29.65 and £34.27.

Southdowns annual travel Insurance policies are available to single travelers, couples, families and groups. The policy allows unlimited trips, with a single trip lasting up to 31 days. The maximum age for this policy is 65.

All policies allow customers with pre-existing medical conditions to obtain quotes by using the online medical screening process. This is a real time saver and means you don’t have to answer any embarrassing questions to someone over the phone.

See what the best travel insurers offer.

What do Southdowns customer reviews say?

We could not find any online reviews of Southdowns travel insurance. However, there are a number of reviews of its underwriter AXA.

On it has an average score of 1.5 out of 5 from 135 reviews.

That compares with 3 out of 5 from 15 reviews for rival Aviva.

What do the experts say?

Independent financial researcher Defaqto has given Southdowns bronze and silver policies a 2 Star Rating. The gold policy has received a 3 Star Rating while the platinum product is rated 5 Star.

A Star Rating indicates where a product or proposition sits in the market based on the quality and comprehensiveness of the features it offers.

A 2 Star Rating indicates that the product provides “a below average range of features and benefits”. A 5 Star Rating shows that the product “is one of the most comprehensive on the market with an excellent range of features and benefits”.

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  • by David Woodfield