InsureandGo review

The range is a single category, travel insurance, so a trip can be covered but a car, a home or a gadget cannot be added to the same policy. Compare that with EuroAsia Insurance, which lists auto, home and travel cover.

The company sits in Gibraltar (GI) and holds a licence from the Gibraltar Financial Services Commission, FSC25393, plus a Financial Conduct Authority licence in the UK, 309572. As a broker, the brand places cover with underwriters rather than being the risk carrier itself.

18 and over, no upper age limit is the only age rule and the brand is aimed at seniors, so an older traveller is not turned away on age grounds. Buyers must be a minimum age, and there is no ceiling at the other end.

The excess is the share of a claim you pay yourself, and it runs £0 to £100 across the policy tiers. Some policies sit at the bottom of that range with nothing to pay, so the tier matters more than the brand when a claim lands.

Cover sits under travel policies, with medical and repatriation benefits set at a high limit and the Black tier carrying no cap at all. The exact amount depends on the policy you choose, so check the limit shown for your trip before you buy.

Claims run on online and phone, which keeps reporting simple and remote. Medical and repatriation costs build up quickly, so the sooner a claim is started the better, and the claim has to sit within the cover limit.

Support runs on phone, chat and help centre, so you can reach a person by phone, chat or through the help centre. Questions about a quote, the cover limit or the excess can be raised before a policy is bought, which suits anyone who wants cover explained rather than bought blind.

It is a broker, so broker is the arrangement: policies are placed with underwriters rather than underwritten by the brand itself. The trading entity is IES Limited, based in Gibraltar, and the brand has been trading since 2000.