AUTUMN BUDGET: There were several important announcements in the Chancellor's Budget that could affect your personal finances. Find out more.

AUTUMN BUDGET: There were several important announcements in the Chancellor's Budget that could affect your personal finances. Find out more.

Travel Insurance

Get away without the worry.

Travel with peace of mind with annual travel insurance that covers the important things like medical expenses and loss of money protection as standard.

This cover is only available if you are taking out a new home contents insurance policy or when adding to an existing policy.

Insurance overview

If you’re one of our home contents insurance policyholders, we can offer you annual travel insurance for when you want to get away.

Our annual travel insurance policies provide different cover limits depending on whether you're a home insurance or NFU Mutual Bespoke Home Insurance policyholder, meaning that it is tailored to suit your individual needs. 

So, if you’re looking to get away for business or pleasure, our tailored cover offers that extra peace of mind you need to truly enjoy your trip.

Annual travel cover is currently only available on the following basis:

  • Home insurance: multiple trips up to 30 days. The period of any one trip can be extended upon request to 60 or 90 days.
  • NFU Mutual Bespoke Home Insurance: multiple trips up to 60 days. The period of any one trip can be extended upon request to 90 or 120 days.

What's covered:

  • Loss of money including travel tickets, passports and travellers cheques - home insurance: up to £1,000. NFU Mutual Bespoke Home Insurance: up to £2,000.
  • Unauthorised use of your credit cards: up to £10,000.
  • Cancellation expenses due to delay - home insurance: up to £5,000. NFU Mutual Bespoke Home Insurance: up to £15,000.
  • Medical expenses: up to £5 million per person.
  • Personal liability cover: up to £2.5 million.
  • Help to reach your departure point if there's a transport failure: up to £1,000.
  • Personal legal expenses cover to provide you or your family with advice and help with the cost of legal representation - including a 24-hour advice helpline: up to £50,000.
  • Personal accident cover for death or permanent injury - home insurance: up to £25,000. NFU Mutual Bespoke Home Insurance: up to £50,000.
  • Transportation of your body or ashes home or overseas funeral costs: included as standard on both policies.
  • Winter sports cover for you and your equipment up to 30 days: optional on both policies.
  • 24/7 access to Mutuaide Assistance, providing staff trained to give help over the phone in emergencies.

What's not covered:

  • Any losses relating to the cancellation or curtailment of trips, resulting from travel restrictions being imposed in response to any pandemic, epidemic or coronavirus.
  • Any losses if you, a close relative, business associate or travelling companion have symptoms associated with coronavirus, or are awaiting the results from a coronavirus test, at the time of booking a trip or purchasing your policy, and this is within 14 days of the trip’s departure date.
  • Any excess, which is the amount you’ll need to pay towards a claim. Your policy documents will outline where these apply.
  • Pre-existing medical conditions – we won’t pay any claim for any accident or illness occurring before the start of the policy unless you had already told us about them and we have not excluded them.
  • Costs and expenses for damage, injury and illness for trips to a country or area of a country the UK’s Foreign, Commonwealth and Development Office (FCDO) have warned not to visit.
  • Cancellation expenses due to any illness resulting from not taking the correct vaccinations or medication before your trip.
  • Theft of money or credit cards from unlocked accommodation, or from an unattended vehicle unless locked away or concealed.
  • Certain more dangerous activities such as black water rafting, base jumping and cave diving are excluded. The full list is in the policy wording.
  • If baggage cover has been purchased: Delayed baggage recovered within 12 hours and damage or loss caused by wear and tear to personal baggage.

The features and exclusions listed are not exhaustive. Your cover will depend on your circumstances. Limits and exclusions apply. 

Do you have pre-existing medical conditions?

To ensure the cover is right for you, you'll need to let us know if you have any pre-existing medical conditions when you apply for cover.

We can cover many conditions, so please contact us to discuss your requirements.

If we are unable to cover any medical conditions, you can refer to a directory of insurers who specialise in providing travel insurance cover, including cover for more serious medical conditions.

You can find the directory at MoneyHelper or by calling 0800 138 7777.

Why choose us?

Why choose us?

  • Mutual Bonus

    We reward loyalty through Mutual Bonus, a saving when you renew a General Insurance policy.

    Mutual Bonus

    We reward loyalty through Mutual Bonus, a saving when you renew a General Insurance policy.

  • Spread the cost

    We won't charge you extra if you choose to pay monthly by Direct Debit - no fees or interest.

    Spread the cost

    We won't charge you extra if you choose to pay monthly by Direct Debit - no fees or interest.

  • No fees

    We don't charge an administration fee when you make adjustments to or if you cancel your policy.

    No fees

    We don't charge an administration fee when you make adjustments to or if you cancel your policy.

More cover from us

Home Emergency Cover

Cover in the event of a sudden and unexpected domestic emergency. Home Emergency Cover offers added protection for when the unexpected happens.

Personal Belongings Insurance

Extend your contents insurance to cover the items that you take outside of your home, with up to 90 days cover anywhere in the world.

Personal Legal Expenses

Access to 24/7 legal advice and cover of legal costs and expenses for you and your family in the event of legal disputes.

Caravan Insurance

When you're exploring new places with your caravan, you want proper protection. Talk to us about cover than won't keep you tied down. 

Dog and Cat Insurance

They're an important part of the family, so we offer cover to home contents insurance policyholders to help care for your dog or cat.

Smallholder Insurance

Providing cover to help your smallholding grow. Smallholder Insurance can be simply added to a home contents insurance policy.

Homeworker Insurance

If you run a business from your home, our Homeworker Insurance can be added to a home contents insurance policy for greater protection.

What's next?

Take out a new policy

Ready to buy your home insurance policy? We can help you to make sure that you get the right cover.

Existing customers

Get a new quotation, make changes to, discuss your renewal or cancel your home insurance policy.

Claims

Notify us of a new travel insurance claim or speak to us about a claim that is in progress.