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Santander travel insurance review

Find out how Santander is rated for customer service, and how its travel insurance policies are rated in terms of cover.

In this article
Santander travel insurance overview Santander's travel insurance policy: is it good or bad?
How we calculate customer and policy scores

Santander travel insurance overview

Santander UK plc is a British bank, wholly owned by the Spanish Santander Group. Santander UK is one of the UK's leading personal financial services companies and one of the largest providers of mortgages and savings in the UK.

Santander Travel Insurance is arranged, administered and underwritten by Chubb European Group Limited.

What you need to know about Santander's travel insurance:

  • Cancellation or curtailment cover limit of £5,000
  • Cover limit of £2,000 for baggage and belongings
  • Overall valuables limit of £300.

Which? members can login to see the results of our analysis. If you’re not already a member, you can sign up to a two month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

Santander's travel insurance policy: is it good or bad?

We've scrutinised around 200 travel insurance policies, combining our analysis with feedback from 4,528 members of the general public.

Each policy is rated to produce a Which? policy score as well as a customer score.

Table last updated in November 2018. Next update in May 2019.

Policy element Details Rating Area covered
Medical expenses cover limit (£) Logged out detail Logged out detail Single-trip
Medical expenses cover limit (£) Logged out detail Logged out detail Annual
Cancellation/curtailment limit (£) Logged out detail Logged out detail Annual and single-trip
Travel delay - 12 hours limit (£) Logged out detail Logged out detail Annual and single-trip
Travel delay - maximum limit (£) Logged out detail Logged out detail Annual and single-trip
Baggage & belongings limit (£) Logged out detail Logged out detail Annual and single-trip
Money including cash limit (£) Logged out detail Logged out detail Annual and single-trip
Cash limit (£) Logged out detail Logged out detail Annual and single-trip

 

How we calculate customer and policy scores

We calculated the customer scores using a combination of overall customer satisfaction and the likelihood of recommending the provider to a friend.

We calculated the policy scores by rating the most important elements of the policy, including medical expenses cover limit, cancellation/curtailment limit, travel delay limit, baggage and belongings limit and money limit.

The total score combines both the customer score and policy score.

To qualify as a Which? Recommended Provider, an insurer must:

  • Be regulated by the Financial Conduct Authority.
  • Be available to the general public.
  • Have received 30 or more responses in our customer survey.
  • Have received an average or above average policy score (see table for current average score) and a customer score of 70% or above.

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