The BIBA Travel Insurance Scheme

Travel Insurance is available for your customers - Are you missing an opportunity?

BIBA Endorsed Holiday Travel+ and Sports Travel+

About the Schemes

Holiday Travel+ and Sports Travel+ are multi-sectioned travel insurance policies for individuals, families, groups and sports teams.

Both single trip and annual multi-trip policies are obtained via a simple and easy to use online platform to quote, bind, renew and amend policies.

The online platform can be operated by a broker in their office and/or provided as a white labelled client facing link that can be placed on their website.

Key policy features

  • Independent travel for all insured persons including children, no minimum age.
  • Cruise holidays covered as standard
  • Clerical Business trips covered as standard
  • Motorcycling holidays covered as standard – cover your client to ride Route 66 on a Harley
  • Coverage for pre-existing medical conditions including mental health conditions, subject to medical screening
  • Cover for members of the armed forces with a BFPO address
  • Optional golf and winter sports cover extension
  • No sub-limit for winter sports duration on Annual multi-trip policy (majority of market limit to 17 days in total for the year)
  • Many high risk activities covered
  • Financial Failure of end supplier (e.g. airline, hotel, car rental company …) covered
  • Holiday Travel+ - age limit – 75 years for Annual multi-trip policies; 85 years for single trip policies
  • Sports Travel+ - age limit 65 years for annual multi-trip and single trip policies, higher on referral

Key policy features specific to Holiday Travel+

  • All risk cancellation and curtailment cover (e.g. leave cancelled for members of the armed forces)
  • Cancellation cover if there has been a terrorist incident at the holiday destination
  • Missed departure cover provided for all legs of the trip

Key policy features specific to Sports Travel+

  • Cancellation cover if injured and cannot compete
  • Cover for over 150 sports and activities such as 4 wheel track days, Competition and training
  • Sports equipment cover available

Cover in relation to Covid-19

Cancellation Cover – If insured person, their close relative, a member of their household or travelling companion or a friend with whom they had arranged to stay has a diagnosis of COVID-19 within 14 days prior to booked departure date, as certified by a Medical Practitioner:

  • The cost of all travel charges that insured person has paid and/or are contracted to pay before the departure date and cannot recover in respect of any part of the Journey that they are necessarily required to cancel

Curtailment Cover - Death of insured person’s close relative after contracting COVID-19, as certified by a Medical Practitioner following a medically approved test showing a positive result for COVID-19:

  • All reasonable additional travel expenses incurred by insured person in returning to their home address in the United Kingdom

Emergency Medical Expenses – Insured person contracting COVID-19, as certified by a Medical Practitioner following a medically approved test showing a positive result for COVID-19 during their journey:

  • Emergency medical and repatriation expenses
  • Reasonable additional travel and accommodation expenses (room only) for insured person to extend their stay until they are medically fit to return to the United Kingdom
  • Reasonable additional travelling and accommodation expenses to repatriate insured person to the United Kingdom when they are denied boarding on their pre-booked return travel due to contracting COVID-19.
  • Confinement benefit: a benefit payment of £30 for each complete 24 hour period up to £300 where insured person are ordered into self-isolation in their holiday accommodation by a relevant Government authority, as a result of them contracting COVID-19

Key Benefits to Brokers

  • Direct access to knowledgeable decision making underwriters
  • Flexibility to build a customised client policy for individuals and/or affinity groups
  • Swift response to non-standard referrals
  • An embedded web-based platform that enables the sale of travel products through a white labelled website and customer facing link

Money and Pensions Service (MaPS) Directory

MaPS has launched a travel insurance directory on its Money Advice Service website for people with serious pre-existing medical conditions.

Click here for more information and how to access the directory.