Group Travel Insurance Policies

If you’re heading out on a group holiday, then the chances are that someone in your party will be tasked with arranging your group travel insurance policy. Whether you’re embarking on a last-minute lad’s holiday in the sun, or doing something as simple as a group business trip abroad, all group members must have suitable travel insurance cover before your departure. 

Whilst many may consider buying travel insurance individually, you can save a lot of time, and stress, by organising a group holiday insurance policy. If you’re unfamiliar with where to begin with researching travel insurance for groups, or you want to learn more about group holiday insurance, then we’re here to help you.

Here at Navigator Travel we aim to always help you find the most suitable policy for your travel needs. And if you’re planning on travelling in a group, a group travel insurance policy is the best way to ensure that all group members have sufficient cover in place for your trip and plans. 

What is group travel insurance?

Group travel insurance policies serve the purpose of covering a group of people who are travelling together. It’s a convenient way of ensuring that all members of the group are encompassed in one single policy without the need for each member to get individual cover. 

Much like individual travel insurance, you’ll find that you receive the same level of cover for your chosen group holiday insurance, including, but not limited to, lost baggage cover, medical, and emergency cover.

Whether you’re a group of friends, family, business colleagues, or a sports or extracurricular team, you’ll find that there are several travel insurance policies for groups that can cover you. 

How does group travel insurance work?

There is very little difference between the cover that you receive from individual travel insurance policies and from a group holiday insurance policy. The main distinguishing detail is that your group insurance policy will cover all individuals travelling together, each receiving the same level of cover that is detailed in the policy documentation. 

You will need to consider the same details that you would when choosing a single travel insurance policy, however, when you’re considering your group holiday insurance. Dependent on what activities you may be expecting to participate in on holiday, such as sports, or if you’re travelling for work, this will play into the type of policy you choose as well as the level and type of cover you will therefore receive. For example, group ski insurance policies are available for those who are taking a trip together to go skiing, and this will cover all of the elements required specifically for a ski holiday. 

The level of cover you choose will dictate how expensive your policy will be. Though, it’s best not to skimp to save a few pennies with the risk of regretting your decisions later! And there’s no doubt that those on a group business trip will have different needs to those going on a more relaxed break, so make sure that you investigate the different elements you need to be covered on your policy in plenty of detail before choosing your final insurance policy. 

Is travel insurance cheaper for groups? 

Dependent on the group holiday insurance policy that you choose, it may be that you find that this cover is cheaper than having individual cover for all members of your party. Of course, this varies dependent on the insurance provider that you choose to purchase your policy with, alongside the size of your group and the activities you’ll be partaking in, if any, during your trip, amongst other factors. 

Insurance providers do bear in mind that the larger a group is, the higher the chance that a claim may be made, meaning that your policy excess may be higher if you’re travelling in large groups compared to smaller groups. However, you will find that it is in the best interest of insurance providers to offer the best cheap group holiday insurance that they can and, thus, you are likely to find a good deal for your circumstances. 

If partaking in the research and investigation of the best group travel insurance policy for you doesn’t sound appealing, then fear not! We’re here to guide you through the process of finding the most suitable policy for your trip. If you have questions about pricing, policy details, or anything else then please don’t hesitate to call us on 0161 973 6435 for more information. However, if you’re confident that you’ve got all the information you need, then why not get your group travel insurance quotes online now and get that one step closer to being ready for your trip!