As the holiday season is upon us, you’ll likely find that many of your clients are taking time off for a relaxing trip away from home. Working with private clients means they might need insurance beyond the typical travel cover for missed flights and lost mobile phones. The Brit Annual Travel policy offers much higher coverage thresholds than standard travel insurance policies, which often do not provide sufficient cover for the length of trip being taken or the cost, should the holiday need to be cancelled. With £15,000 cancellation cover per individual and cover for trips up to 90 days, it offers peace of mind to clients who enjoy travel, wherever they may go in the world. Our Annual Travel policy is optional for Brit Private Client Home clients and is easy to add at any point in the policy cycle.

Why you need to think about travel insurance

Travel insurance can cover many different areas; everything from unusual destinations, forms of travel, and excursions during the holiday. As such, it’s important to know what types of trips and activities your clients are considering as part of their holiday plans, so they have appropriate insurance in place. Factors such as destination, duration, who is travelling and sporting activities all need to be reviewed.

Destination choices

Brit Private Client High-Value travel insurance provides cover worldwide, for an unlimited number of trips each year, whether it’s for 1st class travel to luxury resorts, a bespoke once in a lifetime trip, or a visit to a bucket list destination.

With the ability to travel far and wide, it’s important for clients to take any heightened risk of travelling to a particular country into consideration. Political instability, local security concerns such as a greater threat of terrorism or kidnap should be additional risks to consider. With the increasing impact of climate change on popular holiday destinations, environmental or meteorological considerations may also be appropriate. In addition, our Travel policy comes with access to 360 Assistance, which provides online access to the latest medical, political and security situations in most countries around the world. 360 Assistance will also provide information on vaccination requirements, contact details for consulates and medical facilities ensuring your clients and their families can travel safely with confidence.

We do not cover travel to those countries deemed unsafe by The Foreign, Commonwealth, and Development Office.

Holiday activities

When travelling, your clients may book trips with activities that need additional insurance.

This could include:

Some clients may choose to work with specialised travel agents who can manage all aspects of their trip leading to a range of exciting experiences.

Certain activities carry different levels of risk and various assessments may have to be made when considering complex insurance requirements. If your client is planning to participate in sports and high-risk activities during their trip, it is important to review the insurance to ensure appropriate cover is in place.

Multiple holiday trips

In a single year, discerning travellers could take multiple holidays across the world to exciting destinations, which could include beach holidays, wildlife watching or family adventures. Clients who travel more than once a year benefit from an annual travel policy, rather than single trip insurance.  

Don't forget home insurance

While there's plenty to consider and protect as part of a holiday, it's also important to think about what's back at home. Homes and valuables can be protected whilst on holiday with an up to-date security alarm system that protects entry points into the property. Your clients may also arrange regular checks at home during holiday periods, have security lighting or a monitored CCTV system which will alert them to any maintenance issues and provide a visual deterrent to any criminal activity. 

Home insurance offers coverage for any unexpected events that may cause damage or loss to the policyholder's home, such as fire, theft, vandalism, or natural disasters. Reviewing policy terms, coverage limits, and exclusions is essential to ensure your home insurance meets specific needs. You can find out more about home insurance from us on our private client page.

How to make a claim, if required

Brit's specialist claims team is comprised of experts who deal with travel claims in an empathetic, flexible and straightforward manner. Our breadth of experience means no claim is too complex for a viable solution. Brit's clients can select their own specialist, knowing that we'll pay promptly once the claim settlement has been agreed upon.

Our Private Client Cover

With so many options for global travel, having the proper protection in place will help to put your clients’ minds at ease when they travel. Whether it's cover for visiting an exotic location, travelling by private jet, or protecting what's waiting back at home, our private client team are here to help you.