IMPORTANT INFORMATION: COVID-19 help, support and FAQs
IMPORTANT INFORMATION:
COVID-19 help, support and FAQs
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Travel Insurance

We all want cheap travel insurance, why not see how much money you could save on your insurance - without sacrificing cover?

Benefits of a Just Travel insurance policy

  •  Single trip cover
  •  Annual travel cover
  •  Winter sports cover
  •  Cancellations & delays cover
  •  Baggage & belongings cover
  •  Pre-existing medical conditions
  •  Personal liability cover
  •  Award winning 'Smart Luggage' cover

Compare cheap travel insurance quotes without sacrificing cover

The freedom and flexibility of travel is back! But, with holiday prices rising each year, no doubt you’re looking to cut the cost of your travel insurance. Lucky for you, we’ve teamed up with Just Travel Cover to find you a great deal – plus, you can save an additional 10% on your travel insurance with code: OC10


So whether you’re thinking about cruising to your favourite European destination, holidaying at home or venturing further away for an exotic retreat – it’s finally time to book your dream summer holiday and accompanying travel insurance.


Who is Just Travel Cover?


Our travel insurance partner - Just Travel Cover, specialise in providing travel insurance for people of all ages, covering hundreds of medical conditions.


To say ‘thank you’ for being a One Call Insurance customer, we’ve negotiated a 10% discount on your behalf.


Simply get a quote and enter code OC10 before payment to save.

Features & benefits of travel insurance

Here at One Call Insurance, we work closely alongside Just Travel Cover, to provide you with great deals on your travel insurance – at great prices!


You can compare multiple prices from a variety of reputable travel insurance brands, with up to 5-star cover available* PLUS the option to choose between bronze, silver or gold level cover packages.

Single and annual multi-trip cover


Just Travel Cover’s single trip travel insurance protects you for one, singular trip of up to 365 days – it can even cover all companions in one policy to avoid the need of completing multiple policies. With no upper age limit and zero excess options available, you can feel confident that you’ll find the right deal for your next trip.


For avid travellers planning on travelling multiple times within the year (up to 93 days) - in the UK or abroad, then you may benefit from annual multi-trip travel insurance. For the most part, this is available for travellers of any age – though some insurance providers will cap at the age of 75.

Smart Luggage cover


Did you know that over 25 million belongings were mishandled across the travel industry in 2019?**


With that figure in mind, award winning ‘Smart Luggage’ was created – a product designed to give you a real time pay-out should your luggage become lost or delayed.


If your luggage is delayed by 30 minutes, you’ll get a real-time pay-out of £50. What’s more, if your luggage is not returned to you within 48 hours, you’ll receive a further £500 so that you can buy the essentials and still enjoy your holiday.

Cancellations and travel delay


Cancellation and delays can cause tears and havoc – for your wallet in particular.


Nobody wants to be stuck in an airport, fretting about how they’re going to get to their next destination, or worrying about if they can afford the cost of a new flight. That’s where cancellation and delays cover comes in - it’s designed to make sure you aren’t personally left out of pocket if your holiday is cancelled due to unforeseen circumstances.

Personal liability


Personal liability cover provides you with financial protection in the event of any injuries or damages that you cause to a third-party whilst you’re on holiday.


Imagine you’re on an activity holiday and you accidentally crash and break a mountain bike you’ve hired - this could cost a fortune to replace. Personal liability cover is there to provide you with financial protection against these risks, just make sure you select the right level of sports and activities cover.

Personal posessions and baggage cover


As the name suggests, personal possessions and baggage cover provides protection against the risk of your suitcase and its contents becoming lost or damaged during transit. It also covers personal belongings, whether they are in your suitcase or not.


We’ve all had that moment of doubt when our suitcase takes a little longer than anticipated to come through the baggage carousel. With this level of cover you can relax knowing you’ll be financially protected if your items do become lost.

Terrorism cover


We truly hope this is something nobody will ever have to experience, but if, on the off chance you do - you’d appreciate the financial support and security provided under terrorism cover.


Terrorism cover is available on some policies. It offers you financial protection against costs incurred as a result of an act of terrorism. This includes, but isn’t limited to medical expenses, transport, travel home and evacuation to a safe place.

Please note: Features, benefits and cover will vary by insurer. It’s therefore important to read an insurance providers policy booklet and terms in full before you buy travel insurance.

Further information...

The terms and levels of cover will vary from insurer to insurer, however a good comprehensive policy will include cover for cancellation and trip disruption, the cost of medical expenses if you were to need treatment whilst abroad and cover for the loss of personal baggage and belongings.

There are many different types of travel insurance; all of which can be compared and bought via One Call Insurance. The most common are:

Single trip travel insurance

Single trip travel insurance is designed to cover you for a single trip that is up to 183 days in length.

Annual travel insurance

If you travel regularly, you could save money with an annual travel insurance policy. You’ll also need annual travel insurance if you’re embarking upon a single trip that’s longer than 183 days in length.

Worldwide travel insurance

Standard travel insurance will generally only provide cover for trips to mainstream European destinations. However, some insurers push the boundaries to include popular destinations such as Egypt and Morocco. If you plan to go further afield – Asia, America or New Zealand – for example, you should look at worldwide travel insurance.

Winter sports insurance

Winter sports insurance is specifically designed to offer protection against the risks involved in participating in high-risk winter sports such as skiing and snowboarding. In most cases, it provides cover for medical expenses, being helicoptered to safety and any specialist teams or equipment that might be needed to evacuate you if you are involved in an accident.

What people often don’t realise is that travel insurance provides cover before you even begin your holiday - so it's important to book your travel insurance when you book your holiday to benefit from all your policy has to offer.


For example, a policy with cancellations cover gives you instant protection for financial losses resulting from your holiday being cancelled by the tour operator and by yourselves due to unforeseen circumstances. Equally, where provided, terrorism cover is active beforehand, ensuring you aren’t left out of pocket if an act of terrorism results in you being unable to go on your holiday.


With this in mind, it makes sense to ensure you have travel insurance in place as soon as possible, preferably as soon as you’ve received confirmation of your holiday booking. It also reduces the risk of you forgetting to book your travel insurance and subsequently ending up uninsured.

The price you are quoted for travel insurance will vary greatly based on a combination of factors that are specific to you and your trip.


For example, your age, whether or not you have a pre-existing medical condition, the country or countries you’ll be travelling to and how substantial you want your cover to be. You should also bear in mind that the cheapest option won’t necessarily be the best; like most things in life, you get what you pay for.

There are a number of things you can do to ensure you pay a good price for travel insurance. These are:

  • Choose a couples, family or group travel policy - If you’re travelling abroad with your partner, family or in a group, you could save a small fortune by taking out a specialist couples, family or group insurance policy.
  • Don’t buy travel insurance via a travel agent - It might seem like the easiest option at the time, but buying travel insurance via a travel agent could result in you paying several times more than you’d pay if you bought an equivalent policy online.
  • Use a broker or comparison site - Getting a quote and buying travel insurance from the first insurance provider you come across could result in you paying over the top for cover. It’s therefore important to look at different options and the quickest and easiest way to do this is via a broker or comparison service. For example, with JustTravelCover.com's quote form, you simply enter your details once to be presented you the cheapest options from their panel of insurance providers.
  • Buy an annual policy - If you plan on making two or more trips abroad within the space of a year, an annual travel insurance policy might work out cheaper. However, you should check before you buy. You can do this by running through single trip quotes for each of your planned trips and comparing these to an annual trip quote.
  • If you have a pre-existing medical condition, the most important thing is that you declare it - no matter how minor you think it may be. If you do not declare this and you need to make a claim directly related to this condition whilst you’re away, it is likely that your claim will be rejected.


    Just Travel Cover specialise in providing travel insurance for all ages and medical conditions. So please don’t worry if you have an underlying health condition as they aim to find an insurer who can meet your needs.

    Don’t worry, many policies purchased via Just Travel Cover offer Covid-19 cover which includes medical expenses and cancellation cover should you contract Coronavirus.


    As long as you have selected an insurer/policy that offers this, you will be able to recover costs of your holiday if you test positive for Coronavirus and cannot travel. In most cases, you will need to present a medical certificate and test result proving you have contracted Coronavirus in the lead up to your holiday.

    Yes, all policies will cover the cost of medical expenses incurred if you were to contract Coronavirus whilst you’re away and need emergency medical treatment – this is included as standard. Be careful to read the information provided during your journey of purchasing insurance, to check what is covered in your chosen policy as cover levels will vary from insurer to insurer.

    You will need to check the policy wording for your chosen insurer, as the terms and conditions will vary. Some insurers will allow you to change the dates on your travel insurance policy, but this will depend on the insurance provider.

    If your chosen airline is not ABTA or ATOL protected, you will be covered providing you have taken out qualifying travel insurance. At Just Travel Cover, this level of cover is included in gold travel insurance policies (this is also optional on silver and bronze packages too).


    Please note: you should always carefully read through the terms and conditions of your insurance documents and Policy Wording, as levels of cover may vary from insurer to insurer.

    Yes, travel insurance is still a must - even if your holiday is ABTA or ATOL protected.


    Whilst it can offer some assistance if your travel company cannot fulfil your holiday, ABTA and ATOL protection does not cover you for the likes of medical expenses for treatment abroad, delays and cancellations, or lost luggage.

    Yes - ideally, you should take out travel insurance just as you would when travelling abroad. You may think that because you’re holidaying in the UK you don’t need travel insurance as we’re supported by the NHS. However, there is more to travel insurance than simply covering the cost of medical treatment. Travel insurance can offer financial protection against the likes of holiday cancellations, lost luggage and trip disruption.


    Imagine you’re due to go on a two week adventure holiday in the Peak District - accommodation and activities all paid for, when you’re unfortunately made redundant and can no longer afford your trip. The financial consequences of a last minute holiday cancellation would certainly add to your stress in the short term - but if you’re insured, your insurer will help you recover the costs and you may be able to reschedule for a more convenient time.

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