Flexicover Direct Travel Insurance
Flexicover Insurance is one the UK's leading direct sell travel insurance providers, focused on providing a range of policies at reasonable prices.
Regulated by the Financial Conduct Authority, Kent-based Flexicover is a division of Citybond Holdings Plc, which has been trading since 1983.
Flexicover is a brand of Citybond Holdings, a travel insurance specialist that was established in 1983. Flexicover was itself founded in 1997, with the aim of providing holidaymakers with flexible, quality, and good value travel insurance. The company is based in Beckenham, Kent, and offers a range of policies to accommodate a variety of holiday needs.
Flexicover offers four levels of cover for both single trip and annual multi-trip policies. Single trip policies provide cover for one trip for a set number of days, whilst annual policies cover an unlimited number of trips (of certain lengths) throughout the year. They cover customers in the event of cancellations, trip curtailment, emergency medical treatment, and also include personal liability and personal accident cover. The more comprehensive policies offer higher limits of cover and include protection for personal belongings (such as baggage, cash, passports, and other items), delays, and legal expenses. All Flexicover policies include cover for a variety of sporting activities, such as scuba diving, snorkelling, and hiking.
Gap year and long stay policies are also available with Flexicover for those who are looking to travel to multiple countries or planning an extended trip.
Some optional extras can be purchased alongside a Flexicover policy including winter sports cover, cruise plus, golf plus, gadget cover, business cover, wedding extensions, and travel disruption cover. Comprehensive policies may already include some of these features as standard. Holidaymakers can therefore create a travel insurance policy that is tailored to their individual needs.
Flexicover may be able to provide travel insurance for people with some existing medical conditions, as long as they are declared from the start.
Each policy has its own maximum age limit, and when multiple people are travelling (e.g. as a family), Flexicover may offer discounted cover.
What about pre-existing medical conditions?
Flexicover holiday insurance will offer cover for some pre existing medical conditions, but not all. Declarations can be made when obtaining a quote, which will tell you if your condition can be covered or not. Regardless of your declaration, Flexicover will not insure you if you travel against medical advice and your policy may be invalidated if you do so.
What do Flexicover travel insurance reviews from customers say?
On Feefo, Flexicover has 4.6 stars out of a possible 5 from over 2,000 customer reviews. On TrustPilot they have 8.8 stars out of 10 from over 300 reviews.
Which? rates Flexicover insurance as one of its recommended travel insurance providers, giving its policies 74% and its customer score 68%. Meanwhile, Defaqto - the independent reviewer of financial products - has awarded Flexicover's Gold and Platinum policies 5 Stars (2a product with a comprehensive set of features") and its Premier cover 4 Stars ("a product with a good level of features and benefits").