Sorting out your travel insurance may not be the most exciting part of your trip, but it could end up being the most important.
- Travel Insurance you can rely on
- Single Trip & Annual Policies
- Winter Sports and Adventure holidays
- Group travel
- Insurance solutions for complex & hard to place risks
- Fast turnaround and instant cover available
We can arrange competitive cover for single, multi or long-stay trips, whether you are going for business or a holiday, to the sun, or to ski and take part in other winter sports.
We would like the chance to provide you with a really competitive quote. Because we are an independent broker, we can shop around for the right deal for you, saving you the trouble of doing it yourself.
So contact the office, relax, and enjoy your trip.
What can be covered?
Not all travel policies are the same. We will help you to decide what sort of cover you need, and then we will source a policy which works best for you. That way, you will not be paying for cover you do not need, but you will have all the cover you do need. It could include medical emergencies & repatriation, cancellation & trip interruption, loss of luggage, personal accidents and more.
Key Covers:
- Medical Expenses up to £15,000,000
- Specialist Cover for Cruise holidays
- Increased personal baggage allowance
- 24 hour emergency helplines
- Excess waiver available
- Cover for pre-existing medical conditions
- Business Equipment
- Long stay policies
For more specialist travel insurance such as group holidays, people travelling with pre-existing medical conditions or people partaking in hazardous sports, please contact the office on 02920700635.
Travel Insurance FAQs
Travel insurance protects you against a wide range of unexpected problems that can arise before or during a trip. Medical emergencies abroad are among the most costly risks — treatment in countries such as the United States, Canada or Australia can run to tens of thousands of pounds, and even within Europe, costs can escalate quickly. A good travel insurance policy can also protect you against cancellation or curtailment of your trip, lost, stolen or delayed baggage, travel delays and missed departures, personal liability claims, and legal expenses. Arranging cover before you travel is always strongly recommended, regardless of where you are going or how long you are away.
Yes. Motts Insurance now offers a simple and convenient online travel insurance service, allowing you to arrange cover and receive your policy documents in a matter of minutes. The process is quick, straightforward and secure, whether you are travelling for business or leisure. Simply enter your details, select the level of cover that suits your needs, and your documents will be issued to you promptly.
Travel insurance policies vary between providers, but most standard policies are designed to cover emergency medical expenses and repatriation, cancellation or curtailment of your trip, lost, stolen or delayed baggage, travel delays and missed departures, personal liability, and legal expenses. The precise scope of cover, policy limits and any exclusions will depend on the specific policy you arrange. It is always important to read the policy wording carefully before travelling to ensure the cover meets your requirements. If you have any questions about what is and is not included, our team is on hand to help.
Yes. If you have left things until the last minute, cover can often still be arranged quickly and easily. Many customers arrange travel insurance the day before they travel or even on the morning of departure. Our online service is available around the clock, so whether you are travelling tomorrow or later today, you may still be able to obtain the cover you need. We would always recommend arranging insurance as early as possible to ensure you are protected against cancellation risks, but last-minute cover is available in most circumstances.
In many cases, yes. If you have arrived at the airport and realised you have forgotten to arrange travel insurance, you may still be able to arrange cover online quickly and securely using a smartphone or tablet. Policies can often be issued within minutes, and your documents sent directly to your email address. We would strongly recommend checking the policy terms carefully in this situation, as some policies may not cover incidents that arise immediately after purchase. If you are unsure, please call our office on 029 2070 0635 and one of our advisors will be glad to assist.
Yes. A Global Health Insurance Card (GHIC) is not a substitute for travel insurance, and it is important not to rely on it as your sole protection when travelling in Europe. The GHIC entitles you to access state-provided healthcare in European Economic Area countries on the same terms as a local resident, but it does not cover the full cost of medical treatment in all circumstances, and it does not provide any cover for cancellation, lost or delayed baggage, repatriation expenses, personal liability or travel delays. A comprehensive travel insurance policy fills these gaps and provides far broader protection throughout your trip.
Many travel insurance providers are able to offer cover for pre-existing medical conditions, subject to a medical screening process and individual acceptance criteria. The availability of cover, the terms on which it is offered and any additional premium will depend on the nature and severity of the conditions declared. It is extremely important to declare all pre-existing medical conditions accurately and in full when arranging your policy. Failure to disclose a medical condition could affect the validity of any subsequent claim. If you have a complex medical history or have experienced difficulty obtaining cover elsewhere, please contact our office and we will do our best to assist.
Yes. Travel insurance is available for a wide range of age groups, including older travellers and those in retirement. Premiums and acceptance terms will vary depending on your age, the destination you are travelling to, the duration of the trip and your medical history. Some standard policies impose upper age limits, but specialist travel insurance providers are able to offer cover to travellers of all ages. If you are an older traveller or have specific requirements, please speak with one of our advisors who will help identify the most suitable options.
Yes. An annual multi-trip policy can be a very cost-effective option for people who travel regularly throughout the year, whether for business, leisure or both. Rather than arranging a separate policy for each trip, a single annual policy provides cover for multiple journeys within a twelve-month period, subject to any individual trip duration limits set out in the policy terms. Single trip cover remains available for one-off holidays and business trips where an annual policy would not represent the best value. Our advisors can help you compare the options and choose the most appropriate arrangement for your travel pattern.
Most travel insurance policies include cancellation cover for specified unforeseen circumstances, such as serious illness or injury affecting you or a close family member, bereavement, redundancy, or certain other events outside your control. The precise circumstances under which a cancellation claim will be accepted, and the maximum amount payable, will be set out in the policy terms and conditions. It is important to note that cancellation cover generally only applies to events that occur after the policy has been arranged, which is one of the key reasons for arranging travel insurance as early as possible after booking your trip.
Travel insurance may help cover the cost of lost, stolen or damaged baggage, subject to the policy limits and any applicable excess. Most policies set an overall baggage limit as well as individual item limits, so it is worth checking these figures carefully, particularly if you are travelling with high-value items such as camera equipment or jewellery. In the event of theft, you will normally be required to report the incident to the local police or relevant authority as soon as possible and obtain a written report, as this will be required to support any claim. Delayed baggage cover may also be available under some policies, providing an allowance for essential items if your luggage fails to arrive with you at your destination.
Yes. For more complex or unusual travel insurance requirements, our team is well placed to help. This includes group travel, corporate and business travel, sports tours, school and educational trips, high-value cruise holidays, adventure activities and other specialist needs that may not be catered for by standard online policies. Please call our office on 029 2070 0635 and speak with one of our experienced advisors, who will take the time to understand your requirements and identify the most appropriate cover available.
Motts Insurance has been arranging insurance for individuals and businesses since 1966 and is one of the longest-established independent insurance brokers in Wales. For more than fifty years, we have built a reputation for friendly, reliable and professional service, helping clients throughout the UK find the right cover at competitive prices. As independent brokers, we work on your behalf rather than for any single insurer, which means we can access a wide panel of trusted insurance providers and provide straightforward, impartial advice tailored to your needs. Whether you are arranging travel insurance for the first time or reviewing your existing arrangements, we are here to help.