How do I find the best travel insurance?
We scrutinised the standard annual and single-trip travel insurance policies of 130 providers and combined our analysis with feedback from thousands of customers.
Each policy is rated on the key aspects of its cover to produce a Which? policy score, while our customer score is based on how the insurers were rated by customers.
To qualify as a Which? Recommended Provider, an insurer must:
- Be regulated by the Financial Conduct Authority (FCA)
- Be available to the general public
- Have received responses from 30 or more customers in our customer survey
- Have received an average or above policy score (see table for current average score) and a customer score of 70% or above.
Click on the WRPs in the table below to see full details of its customer score and policy elements. Table last updated in May 2019. Next updated in May 2020.
Best travel insurance companies
This table shows the best and worst travel insurers for customer satisfaction and the quality of their policies.
Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.
*These insurers are no longer selling cover to new customers due to Coronavirus (COVID-19). Read more here.
**Most policies currently available will not cover any cancellation claims related to Coronavirus (COVID-19) for any policy purchased after 9am 13th March, or new trips booked with existing annual multi trip policies after the same date. Medical claims relating to Coronavirus (COVID-19) will still be covered. Please visit the provider's website for more detailed policy information. Read more here.
Customer score data is based on a survey of 4,471 respondents from the general public telling us about their travel insurance provider in March 2019.
Sample breakdown: NFU Mutual (39), Tesco Bank (102), Boots (38), John Lewis (39), Just Travel Cover (40), M&S Bank (82),Post Office (132), NatWest (150), Age Co (39), Nationwide (382), HSBC (121), American Express (61),InsureandGo (210), LV (53), First Direct (40), Santander (68), Saga (198), Barclays (167), Thomas Cook (100), Lloyds (219), Co-op Insurance (47), Holidaysafe (52), Debenhams (49), Direct Line (149), Halifax (152), Virgin Money (90), Alpha Insurance (40), AXA (184), TSB (68), Aviva (200), Churchill (39), Admiral (50), Direct Travel (50), Staysure (164), Columbus Direct (43), Flexicover (61), RBS (81), All Clear (42), Bupa (39), AA (109).
Policy scores are based on the provider's standard policy. Annual and Single-trip policy score is our assessment of the quality of standard policies from each of the providers, comparing 22 categories from each policy type to come out with each overall score.
Providers must receive a minimum sample size of 30 respondents to generate a customer score and inclusion in the table.
Total score is made up of 50% of the Customer score and 25% each of Annual and Single-trip policy scores.
How we calculate our scores
The customer score is based on a survey of 4,471 general public respondents and are worked out using a combination overall satisfaction and likelihood of recommending the provider.
If two or more brands show the same overall score, they are ranked to the next decimal place. Providers must receive a minimum sample size of 30 to be included.
The policy score is our assessment of the quality of standard cover comparing 22 elements of annual and single-trip travel insurance policies.
Total score is made up of 50% of the customer score and 25% each of annual and single-trip policy scores.