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Travel insurance provider review: Start Travel

Who are Start Travel?

Starttravel.co.uk has been supplying travel insurance since 1999.

It is one of a number of insurance brands under the Call Assist Ltd umbrella, and is arranged and administered by Taurus Insurance Services Limited.

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Why should I consider Start Travel?

Starttravel.co.uk offers three levels of cover: ‘3 star’ ‘4 star’ and ‘5 star’, for single trip insurance, annual multi-trip insurance, if you’re taking more than one trip in 12 months, and backpacker travel insurance.

It also provides specialist policies for over-60s. Travel insurers consider over-60’s as more at risk of falling ill or having an accident while away. The higher risk factor is usually reflected in higher premiums for this age group.

Starttravel.co.uk caters to holidayers and people going on business trips.

Its ‘3 star’ single trip and annual multi-trip policies offer:

  • £10 million for emergency medical and repatriation expenses
  • £1,000 for trip cancellation, curtailment or loss of holiday
  • £5,000 for personal accident
  • £1,000 for personal possessions
  • £200 for personal money
  • £200 for passport and other documents
  • £300 for missed departure
  • £2 million for personal liability.

Its ‘4 star’ and ‘5 star’ policies offer higher levels of cover.

Optional extras include cover for business trips, winter sports holidays, golf equipment, cruises, pre-existing medical conditions, weddings and gadgets.

All of its policies include medical and repatriation cover and cancellation or curtailment cover for Covid-related emergencies. The company also provides discounted Covid-19 tests for international travel.

Independent analysts Defaqto award starttravel.co.uk’s its comprehensive and second most comprehensive policies 5-stars out of a possible five. Its most basic cover is rated 3-stars.

Start Travel’s policies are underwritten by ERGO Travel Insurance Ltd on behalf of Great Lakes Insurance SE, which is head-quartered in Munich, Germany.

How to contact Start Travel

You can buy starttravel.co.uk’s policies online, or call its customer service team to purchase insurance, or with any queries, on 0333 320 1240 Monday to Friday, between 9am and 5.30pm.

Alternatively, you can email: travel.sales@start-travel.uk.

If you prefer you can write to:

starttravel.co.uk

C/O Call Assist Ltd

Axis Court

North Station Road, Colchester

Essex CO1 1UX

For emergencies while abroad, refer to starttravel.co.uk’s contact page for the relevant contact number for your location.

Starttravel.co.uk also has Facebook, Twitter, Instagram and pinterest accounts.

How to find the best cover for you

The first deal you find or your offer at renewal may not be the best price for the cover you require.

Luckily the travel insurance industry is a competitive market, so with a little shopping around, you can find cheap deals on the cover that you need.

As well as price, check the policy excess – the set amount you agree to pay towards the cost of any claim you make. Typically, the more you’re prepared to pay in excess, the lower your premiums will be.

Starttravel.co.uk’s ‘3 star’ policies levy £100 in excess per claim and its ‘4 star’ policies levy £50 in excess per claim. There is no excess to pay on its ‘5 star’ policies.

Also ensure your policy has adequate cover levels. The government’s MoneyHelper recommends at least £1 million in medical and repatriation cover for European destinations and a minimum of £2 million for trips to the USA.

Your level of cancellation cover should at least match the cost of your holiday, while your baggage and belongings cover should amount to the value of the items you are taking with you.

Check that you are only paying for the additional cover that you need. A policy with gadget cover included as standard may not be necessary if you’re traveling with devices of little worth.

However, if you do need gadget cover you’ll want to make sure it’s enough to cover the total value of all your devices.

Why it makes sense to compare cover and providers

Travel insurers compete to offer the best deals on the market, so it’s always worth shopping around.

The easiest way to compare policies is to use a travel insurance comparison tool such as ours. Simply enter a few details and it will show you the cheapest quotes to suit your specific requirements.

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