Travel Insurance

Travel Insurance is a major component of any holiday!

Most Consumers do not realise that Travel Insurance is a regulated product - however the journey to Regulation was not smooth.

That very Regulation and your confidence that your Travel Insurance policy is fit for purpose is now under threat!

The present government's desire to cut 'red tape' through its 'challenge' has brought forward an Industry intent on cutting out this very strong protection for Consumers!

This section conveniently pulls together all the campaigning documents and reports submitted by HolidayTravelWatch on the issue of Travel Insurance on the journey toward Regulation. We provided significant contribution to the regulation debate of travel insurance which saw the product ultimately falling into a ‘light touch’ regulatory regime!

Despite the attempts to de-regulate this valuable insurance product, we continue to analyise how regulation works and will report on this issue in due course!

Travel Insurance is central to any holiday product you buy and you should always ensure that you are fully covered from the moment you book a holiday or make travel arrangements!

Travel Insurance Sales to Holidaymakers - A Case for Regulation - Report to HM The Treasury

This issue of Travel Insurance is very important to the Consumer, particularly where they suffer holiday problems.  Many holiday complaints involve reports of holiday illness/sickness, holiday accidents, changes to holidays, flight changes and poor customer service, and there are times when the presence of a Travel Insurance Policy is vital to the holidaymakers well-being!  HolidayTravelWatch h... READ MORE 5 June 2010

The Time for 261/2004 Enforcement is near?

Enforcement comes from the verb 'enforce' which means 'to make people obey a law, or to make a particular situation happen or be accepted'.  Tell that to a group of airline passengers, some of whom spent a very uncomfortable Saturday night on the floor of an airport in Slovakia!  Those passengers paid good money to travel with a well known low cost airline, to travel back to the UK, only to hav... READ MORE 19 July 2009

Proposed Travel Insurance Regulation

In response to a request from the Financial Services Authority, HolidayTravelWatch has submitted its opinion on the proposed regulations, which will govern the sale of Travel Insurance to Consumers from 1 January 2009. This submission will conclude a lengthy consultation process which began before the Treasury Select Committee, followed by the enquiry of HM The Treasury. After many years where... READ MORE 30 April 2008

Consumer Group Warns of Problems With Travel Insurance to Risk Destinations

We have recently expressed misgivings about travel and insurance advices from tour companies and government agencies. The Organisation notes that the Foreign & Commonwealth Office (FCO) recently lifted its ‘all but essential travel’ advice, now advising Britons not to travel to certain areas in Kenya. We note however that despite that expression of optimism, there remains a great deal of un... READ MORE 29 January 2008

HolidayTravelWatch Comments on the Proposed Regulation of Travel Insurance

The enquiry commenced by The Treasury Select Committee, into the sale of Travel Insurance and its regulation, will benefit holidaymakers where they suffer with holiday illness or accident, lose personal possessions or need to return to the UK or cancel their holiday unexpectedly.  We consider that a regulatory regime will bring home to holidaymakers the very strong need to insure and make sure... READ MORE 30 August 2007

A Better Deal for Travel Insurance?

This is an update article from Get'Away following the evidence supplied by HolidayTravelWatch to the House of Commons Treasury Select Committee and The Treasury Department.  Is there a prospect that Insurance will be sold to holidaymakers under a regulatory framework? To view the full Better Deal for Travel Insurance artice, please download it as a pdf. If you have been affected by Travel Ins... READ MORE 10 May 2007

The Treasury Select Committee Report into The Sale of Travel Insurance and its Future Regulation

The Treasury Select Committee have produced their report into Travel Insurance and Regulation and recommend Regulation for this important financial product. Volume One covers details of their summary and conclusions, Volume Two covers submissions made by interested parties, including the Transcript of the Oral Evidence given to the Committee, both volumes contain contributions from  HolidayTrav... READ MORE 25 February 2007

Travel Insurance for Holidaymakers - Supplementary Report

HolidayTravelWatch was invited to present oral evidence to The House of Commons Treasury Select Committee, on 23 November 2006, on the issue of Travel Insurance sales. Following that hearing, the organisation was invited to submit a supplemental report dealing with residual issues raised within the hearing by all parties. Travel Insurance for Holidaymakers - Supplementary Report READ MORE 10 December 2006

Travel Insurance for Holidaymakers

This is a report submitted to The House of Commons Treasury Select Committee concerning the sale of Holiday Travel Insurance to the Travel Consumer. It deals with the problems experienced by the travel consumer and raises important questions of regulation of sales, and calls for an enquiry to be carried out by The Office of Fair Trading on the operation of Legal Expense Insurance within such T... READ MORE 20 November 2006


  • How can I claim?
    • Were you ill or injured on holiday in the last 3 years?
    • Do you believe you booked a Package Holiday?

    If you can answer yes to both questions, you may be able to bring a claim under the Package Travel Regulations!

    Don't worry if you cannot answer yes to both questions; if you think you booked your travel independently, you may be able to make a claim against your travel provider or supplier!

  • Other Holiday Problems;
    How can I claim?
    • Have you suffered with failures in your holiday or flight contract?
    • Does your complaint against your holiday company arise in the last 6 years (UK Only) (flights 2 years)?

    If you can answer yes to both questions, you may be able to bring a claim against your travel provider or supplier.

  • What compensation can I claim?

    Whatever type of claim you have, the level of damages you can hope to get is based on a number of factors. Firstly you have to prove your case and then an assessment is carried out to determine the level of damages.

    Read our guide on damages....

  • Why should I claim?

    You have worked hard for that precious two week holiday in the sun! Holidays are the same as any other Consumer product - if it goes wrong, you have a right to claim.

    Read more about your rights ....