Claiming on travel insurance-worth it?

sturgeon

I couldn't take a Ryanair flight due to COVID, their change fees were a joke of course and its cheaper to book a new flight. The Flight cost was £100 in total return. I have insurance and the excess is £50 so technically it's worth doing as I'll get £50 back. My question is whether travel insurance is similar to home/car where my future premiums will increase or I'll go on some kind of blacklist? If I was claiming for £100's or £1000's it would be worth it but for the sake of £50....should I do it? Or will the consequences be worse?

Voyager2002

My experience is out of date, but one claim did not seem to affect the travel insurance that I was offered afterwards. Of course, if you have a string of bad luck things might get difficult.

lstevo13

My understanding is that making a claim on travel insurance doesn't affect future premiums. Previous claims aren't a question that's asked on travel insurance quotes, so you should continue to get similar quotes for future policies as you do today. 

SaverRate

When getting quotes recently it has asked if i had 3 or more insurance claims recently. So 1 claim probably wont affect it