Should we insure together or seperately?

kitla

We've booked a holiday in Cyprus for myself + husband, also my son + girlfriend. They live at different addresses. I had thought to get travel insurance for myself & dh and let son & gf get their own, to avoid having to ask gf about her personal medical history for the quote. Would this complicate things? is it better to put us all on the same policy? Would it need to be a group policy as we have 3 different addresses?

Mark_d

There are benefits to being on the same policy but nothing compelling.   Let your son and his gf take responsibility for themselves and get the insurance policies most suitable to them.

DullGreyGuy

kitla said:

We've booked a holiday in Cyprus for myself + husband, also my son + girlfriend. They live at different addresses. I had thought to get travel insurance for myself & dh and let son & gf get their own, to avoid having to ask gf about her personal medical history for the quote. Would this complicate things? is it better to put us all on the same policy? Would it need to be a group policy as we have 3 different addresses?

If her mother died tomorrow are the rest of you still going on the holiday? Are any of you travelling? If she died the day you get on holiday are you all wanting to fly back or do you carry on with the holiday?

With a Group policy you are all covered for the events impacting each of you individually. With individual policies you would need to be much more selective of who you buy from if you would want to be able to cancel/abandon if something happened to one of you. There are some policies that will cover you if your travelling companion can no longer travel for a reason that would have been covered were they named on your policy but most will only cover if she herself is the one thats sick/ill/dead and not for her close family or if she's made redundant etc.  Even what cover you do have won't include pre-existing conditions. 

Family policies typically require all members to live at the same address, Group policies are generally the only option for those living at different addresses. 

It's possible if you guys would carry on and your son wouldn't that you both buy couples insurance so you get the cross protection. The advantage is you would be a close family member for his policy but it leaves you exposed to if your home burnt down or such etc that you could cancel/return home but he and the g/friend wouldn't be covered. 

kitla

thanks for the replies. I've read on a travel site that couples insurance is only for couples that live at the same address. If thats the case it wouldnt be suitable as my son & gf dont live together. I guess group insurance would be the most sensible.

DullGreyGuy

kitla said:

thanks for the replies. I've read on a travel site that couples insurance is only for couples that live at the same address. If thats the case it wouldnt be suitable as my son & gf dont live together. I guess group insurance would be the most sensible.

An overall group travel policy is going to be the most protective but as you say it's dependent on her being willing to tell you about her treatment for the clap 21 months ago (likewise your son). With the law as it stands the false declaration doesn't have to be relevant to the claim for it to be an issue if its not declared however an insurer isnt going to be asking for GP reports from all travellers for a claim for a stolen suitcase. 

saajan_12

How interlinked is your holiday - eg are you hiring one car between you and staying in a joint suite or appartment? Those might make it harder for part of the trip to continue if there was an issue for one of the 4. 

Would part of the group want to continue if say one person got ill or bumped from the flight or had a family issue etc?