Travel Insurance for 13 year old.

cazziej

Hi

My 13 year old son is going on holidayto Gran Canaria with his best friend and his family in August for 2 weeks. I have been trying to get insurance quotes for him, but so far, the 2 or 3 I have tried flash up saying that there must be at least 1 adult over the age of 18 included in the quote.

The family he is going with all have their own travel insurance (through their bank accounts I think), so I can't ask them to add him on.

How can I get around this? I obviously want him to be insured, and I would like to sort this out as soon as possible.

Thanks in advance.

Carol

Kavanne

Yes you can, ask them to call up their insurance and give a quote for adding on your son. Obviously they will need name + DOB. You can then pay them for the upgrade. Hey presto. Make sure they tell you the quote before they do it though as you don't want to get ripped off.

dacouch

Its likely the Bank's Travel Insurer will not allow them to add a non family member to their Annual Travel Insurance.

You could however find who the policy is with and ask them to issue a single trip policy for your sone (It would be better if he has cover with the same Insurer as them as its a lot easier if there is a claim)

Kavanne

dacouch wrote: »

Its likely the Bank's Travel Insurer will not allow them to add a non family member to their Annual Travel Insurance.

Eh? I did mention there would be an additional premium to add him!

dacouch

Its not about the premium, you cannot normally add non family members to most annual travel policies so I doubt they will be able to add someone elses son to their annual travel policy

Kavanne

Can't they just add him for a single trip? I have booked holidays for groups of unrelated people and the insurance company had no problem with us not being family. Why is it different for an annual policy?

rev_henry

http://insuremore.co.uk/?page_id=child-travel-insurance

I've used this company before; they offer insurance for 'unaccompanied' children pretty reasonably. I paid £10 or so for a week in Hungary a month or 2 ago.

dacouch

Kavanne wrote: »

Can't they just add him for a single trip? I have booked holidays for groups of unrelated people and the insurance company had no problem with us not being family. Why is it different for an annual policy?

Its normally because of the wording on the Policy for the free bank accounts defining who is covered as being the account holders and members of their children who are living with them and under a certain age. As such they cannot simply add the name of someone who does fall into this definition.

This type of definition is common for a normal non group eg business annual multi trip policy. It is easier to add non family members on a single trip policy as they normally confirm anyone who is specified on the schedule is covered



Here is the Lloyds TSB definition of who they cover

You/Your/Yourself/Insured Person.
means each person travelling on a Trip who is;
a) In the case of a Joint Account; the holders of the Platinum Current
Account (plus each of their children aged up to 12 months) when
travelling with them or a responsible adult or;
b) In the case of a Single Account; the Platinum Current Account holder
(plus each of Your children aged up to 12 months) and one of the
following persons when travelling with the Account holder or a
responsible adult:
– the Account holder’s spouse or partner;
– or (where there is no spouse or partner) one of the Account holder’s
unmarried financially dependent children under the age of 18 in full-time
education when travelling with You or a responsible adult.

Kavanne

but why can't the parents phone and say, 'look my policy covers us but my son's friend is coming too, I would like to buy an addition to our policy to cover him?' thus circumventing the rule he must be with an adult, because the bank knows he is going with the account holders.

dacouch

I agree it is possible the bank may be able to sell a seperate single trip policy for the son's friend.

FH_Brit

cazziej wrote: »

Hi

My 13 year old son is going on holidayto Gran Canaria with his best friend and his family in August for 2 weeks. I have been trying to get insurance quotes for him, but so far, the 2 or 3 I have tried flash up saying that there must be at least 1 adult over the age of 18 included in the quote.

The family he is going with all have their own travel insurance (through their bank accounts I think), so I can't ask them to add him on.

How can I get around this? I obviously want him to be insured, and I would like to sort this out as soon as possible.

Thanks in advance.

Carol

Carol - It says adult travelling with him? That does not mean on the same policy - call the insurance company or see a broker for this sort of specialised insurance matter. Don't try to do it yourself it wont be in the general coverage they put on line to sell the policy.

Where are they going? Be aware that your son's family (adults) may be legally responsible if he needed medical attention (definately here in the USA) and you may want to talk to the adults and you may want to get an agreement that gives them permission to sign on your behalf but you remain responsible for your son's debt's arrising from any medical treatment.

A solid insurance policy would be very usefull here, but probably not cheap!

dacouch may be able to help here - although I specialise in USA/Florida dacouch is deffinately an insurance specialist that has a far wider expertise than I do.