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Stick with insurer or change on an annual travel policy

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With all the issues of airport chaos and flights being cancelled I wondered what the best option is going forward with insurance. I always have an annual policy as I travel a fair bit. I tend to shop around each year for a joint policy as we are both of an age where some insurers don’t want us, and we both declare a medical condition. 

I have holidays booked later this year after the renewal date of my existing policy , so do I need to stay with my current insurer to be covered in case of issues with them, or can I switch insurers and if so who do I approach in the unlikely event I need to claim for anything later? 

I’ve never been bothered much in the past as we’ve only ever had to claim a couple of times for very minor things in the past 40 years or so, but with all the issues over the past few years I feel insurance is one thing I really do need to get right. 
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Comments

  • Sandtree
    Sandtree Posts: 10,628 Forumite
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    The only issue with switching is that some medical condition you developed whilst with your current insurer and since buying your holiday become pre-existing conditions for your insurers for this trip.

    Who you would claim from would depend on the date on which the event that lead to the loss occurred on. So if a close relative became very ill just before the switch then that is claimed on the old policy, if its just after then the new policy.
  • soolin
    soolin Posts: 72,416 Ambassador
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    Sandtree said:
    The only issue with switching is that some medical condition you developed whilst with your current insurer and since buying your holiday become pre-existing conditions for your insurers for this trip.

    Who you would claim from would depend on the date on which the event that lead to the loss occurred on. So if a close relative became very ill just before the switch then that is claimed on the old policy, if its just after then the new policy.
    We have no new medical issues, the information I use will be the same as declared previously. 

    I think I’ll see what the renewal cost is and what a new policy would cost and decide then what to do.

    thank you 
    I’m a Forum Ambassador and I support the Forum Team on the eBay, Auctions, Car Boot & Jumble Sales, Boost Your Income, Praise, Vents & Warnings, Overseas Holidays & Travel Planning , UK Holidays, Days Out & Entertainments boards. If you need any help on these boards, do let me know.. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.All views are my own and not the official line of MoneySavingExpert.
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