Pre existing medical conditions travel insurance

Advice please.
I took out travel insurance for my mother - aged 83 and declared all pre existing conditions at the time of booking ( insurance booked on the same day as package holiday). She has now been recently diagnosed with an additional condition needing no treatment or medication. I advised the insurance company who have said the additional cost ( on top of the £225 paid) will be £423. My question is - can I take out another policy with just this newly diagnosed condition declared ( and baggage, cancellation as standard - I can’t obviously leave this out )? I have found several who with this condition alone will charge under £150. As you will appreciate this would be favourable! I cannot find a specific answer online, only that it is inadvisable although not illegal to have double insurance - we don’t want double - just to insure the extra medical 
condition at a reasonable cost. Thank you  


  • DullGreyGuy
    DullGreyGuy Forumite Posts: 6,262
    1,000 Posts First Anniversary Name Dropper
    The only issue with double insurance is the length of time a claim may take as the two insurers will be wanting to compare terms and see if one, the other or both have to deal with the claim and if both, how the costs should be shared. 

    You would almost certainly need to declare all conditions to both insurers but opt not to have the insurer provide cover for the one(s) already covered by the other policy. Failure to do so could result in cancellation under CIDRE as intentional false representation even though you never intend to have cover for the condition(s). There are a minority of policies that take a more lenient approach of only having to declare conditions you want covered and all others will simply be excluded. 
  • NoodleDoodleMan
    NoodleDoodleMan Forumite Posts: 3,059
    Seventh Anniversary 1,000 Posts Name Dropper
    edited 5 September at 9:55AM
    "She has now been recently diagnosed with an additional condition needing no treatment or medication."
    I'm curious to understand how such a condition could raise your policy price so significantly ?
    What heightened risk is involved ?
    Of course I totally understand that you might not wish to elaborate for obvious reasons.
  • martindow
    martindow Forumite Posts: 10,064
    Part of the Furniture 1,000 Posts Name Dropper
    A bit off topic, I've just taken out a policy with Staysure and almost immediately realised that I'd missed off a pre-exisiting condition.  I phoned them the following day to get it added.  There was no increase in the premium, but a fee was payable to make the alteration to the policy - 16p.  They probably paid most of that in card processing fees ...
  • shineandshowers
    shineandshowers Forumite Posts: 2
    First Post
    Thank you for your help - much appreciated
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