Holiday Insurance

[DaveGrohl]

Prob been a million threads on this so apols.

Looking for annual multitrip worldwide family insurance with skiing.
Comparison sites are bringing up some silly numbers, starting at £400 and higher.
Post Office cheapest by a mile for decent cover, £170, but appalling reviews on Trustpilot.
Glad I checked.

I’m sick of looking, I’m fit and healthy at 59 with no conditions.

I do have an account with Nationwide and am just wondering if I should upgrade to a paid current account for £18/month. Looks good value when compared to the other direct insurance quotes.

Cover looks pretty decent and Aviva are the company behind it. Are Aviva ok is the obv question?

Any thoughts appreciated.

[cliffords]

Wife and I . Same age as you and I do have two declared conditions.
Admiral. Much less than you have been quoted.
I think I did it direct on their site.
Annual policy

[quarryman111]

I switched from annual policies to packaged bank account with Lloyds a couple of yrs ago; think it’s underwritten by Admiral. Far cheaper esp when you get other insurance benefits eg AA as well.

[chip*]

Check the terms / cover thoroughly if you plan to go down the Nationwide route. Last time I checked, standard policy cover on-piste skiing, but excludes some of the more riskier / extreme activities e.g. guided off-piste / helicopter drop! However, I remember paying a small premium to cover higher risk activities I did during my RTW trip e.g. grade 5 rafting, tandem sky dive, quad biking, rock climbing etc..

[cliffords]

chip* said:

Check the terms / cover thoroughly if you plan to go down the Nationwide route. Last time I checked, standard policy cover on-piste skiing, but excludes some of the more riskier / extreme activities e.g. guided off-piste / helicopter drop! However, I remember paying a small premium to cover higher risk activities I did during my RTW trip e.g. grade 5 rafting, tandem sky dive, quad biking, rock climbing etc..

You missed out two days at a naturist camp.

[Peter911]

cliffords said:

chip* said:

Check the terms / cover thoroughly if you plan to go down the Nationwide route. Last time I checked, standard policy cover on-piste skiing, but excludes some of the more riskier / extreme activities e.g. guided off-piste / helicopter drop! However, I remember paying a small premium to cover higher risk activities I did during my RTW trip e.g. grade 5 rafting, tandem sky dive, quad biking, rock climbing etc..

You missed out two days at a naturist camp.

You are not normally covered.

[cliffords]

Peter911 said:

cliffords said:

chip* said:

Check the terms / cover thoroughly if you plan to go down the Nationwide route. Last time I checked, standard policy cover on-piste skiing, but excludes some of the more riskier / extreme activities e.g. guided off-piste / helicopter drop! However, I remember paying a small premium to cover higher risk activities I did during my RTW trip e.g. grade 5 rafting, tandem sky dive, quad biking, rock climbing etc..

You missed out two days at a naturist camp.

You are not normally covered.

Unfortunately there is often an excess

[ninepoint2]

We claimed on the Nationwide cover a few years back when we had to cancel going to Australia to visit our son because I contracted Covid day before we were due to fly out, it was painless, though it was provided then by UK Insurance and not Aviva. They even covered the cost of internal Australian flights we had booked for him as long as he provided them with an email saying we had paid for them. Having said that any subsequent contact we've had with Aviva has been equally painless, and they are cheaper for pre-declared add-ons for some conditions my wife has, though we have not claimed since it changed to them. I can't imagine Nationwide changing to a provider less competent than a previous one IMHO. You also get personal breakdown cover, which again when I've used it has been perfect, and Mobile phone cover as well, it is most certainly cheaper in our case paying the £18 fee than buying those things. If you stick £100 quid in a Nationwide savings account you also get an annual bonus as they are a mutual.

Edited by ninepoint2 on Friday 9th January 21:45

[DaveGrohl]

Thanks, very useful guys.

I’ve got a quote from Staysure which isn’t too bad. £280 would cover my needs well, middle option from them.
4.5 rating on Trustpilot, slightly better than Aviva (Nationwide).

I’m still pondering but Nationwide have their nose ahead at this point, other benefits are a proper bonus.

[twokcc]

DaveGrohl said:

Thanks, very useful guys.

I ve got a quote from Staysure which isn t too bad. £280 would cover my needs well, middle option from them.
4.5 rating on Trustpilot, slightly better than Aviva (Nationwide).

I m still pondering but Nationwide have their nose ahead at this point, other benefits are a proper bonus.

Nationwide come top in Which reports for all bank account provider accounts. If you have any preexisting conditions can do a check for extra cost before you apply(quote valid for 30 days in which you can set up account and link to nationwide account)
. Cost me less for full year than any individual policies and even with addition premium was still cheaper than single trip package for 11 nights to USA.
No upper age limit either most bank packages excluded me (over 70). List of upper age limits for age on Martin Lewis website.
HTH

[Sheepshanks]

twokcc said:

No upper age limit either most bank packages excluded me (over 70).

I think there's a surcharge with Nationwide for over 70's.

They may well limit the number of over 70's anyway by refusing cover once certain conditions are declared or by applying a bonkers loading. NatWest tried to get us to upgrade to an account with travel insurance when we were mid-60's - we both have typical medical issues for people of our age, plus my wife had a soft tissue sarcoma a few years ago. NatWest's insurer would cover me for +£200 but wouldn't cover wife at all. They changed insurer a few mths later and I tried again and got same result.

[ninepoint2]

Sheepshanks said:

I think there's a surcharge with Nationwide for over 70's.

Not now with Aviva, there was with UK Insurance

[Sheepshanks]

ninepoint2 said:

Sheepshanks said:

I think there's a surcharge with Nationwide for over 70's.

Not now with Aviva, there was with UK Insurance

Ah, OK, thanks. I'd seem complaints about how much medical declarations had increased in cost since the switch to Aviva.

[ninepoint2]

Sheepshanks said:

ninepoint2 said:

Sheepshanks said:

I think there's a surcharge with Nationwide for over 70's.

Not now with Aviva, there was with UK Insurance

Ah, OK, thanks. I'd seem complaints about how much medical declarations had increased in cost since the switch to Aviva.

Not in our case, read my previous post

[onetwothreefour]

By the way the nationwide policy appears to be an exact copy of Aviva's own policy so you can always try getting a quote for both.

I've done one (non medical) claim with NW and it was efficient - one web form to give a high level view of what happened, then they send you an email asking for certain documents, you reply attaching any documents and they get back to you in about a week with a conclusion.