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Best travel insurance UK 2024 guide

We all deserve a break now and then. And the last thing you want to think of when booking your holiday is something going wrong. But it’s better to be prepared than caught off guard. That’s why you should always consider travel insurance when going on a trip.

But how can you find the best travel insurance policy for your needs? Read our guide below to find out more.

Why do I need travel insurance?

Travel insurance protects you financially if your trip away doesn’t go as planned and you incur unexpected expenses for delays, losses or medical treatment.

All travellers can benefit from travel insurance. But travel insurance is particularly important if you are going on an independent trip without a tour operator, because if something goes wrong, you will have no other help.

There are three main types of travel insurance:

• Single-trip cover: this is the most typical form of travel insurance, covering you for a one-off trip or holiday. There will be a time limit on the cover that can range anywhere between one month and 365 days
• Annual multi-trip cover: this allows you to make multiple trips, or have multiple holidays, in a 12-month period, all under the same travel insurance policy. There may be a cap on how long each individual trip can be
• Long stay, or backpacker, cover: this is normally used for around the world trips, gap years, and longer cruises, and can last for up to 18 months

To find the best UK travel insurance, compare policies before you go to ensure you get the right coverage for you and the specific trip you’re planning.

How to find the best travel insurance policy

When comparing policies to find the best travel insurance for your trip, you should consider: 

• Type of cover you need
• Excess (how much you’ll be expected to pay out yourself before the policy will cover you)
• Amount of medical coverage, and why pre-existing conditions aren’t included
• Limit on baggage claims
• Coverage for specific sports and activities
• Any potential rewards and discounts
• Add-ons, such as gadget insurance

Best travel insurance deals and discounts

Looking for the best travel insurance deals from the best travel insurance companies? In most cases, the easiest way to find the best travel insurance deals is to use a comparison website. Travel insurance comparison websites let you compare costs and coverage side by side to find the best UK travel insurance.

The four main comparison websites – Moneysupermarket, Comparethemarket, Confused.com and GoCompare – also often have certain deals and discounts when you buy travel insurance from them, offering some of the best travel insurance deals on the market.

Moneysupermarket : Find the same deal for less, and it will price match and give you a choice of a £20 gift card. Only on annual travel insurance.

Comparethemarket : Two for one cinema tickets with Meerkat Movies and savings at restaurants when you dine out or order pizza in with Meerkat Meals, as well as 25 per cent off coffee and pastries at Caffè Nero every day of the week through the Meerkat app.

(In November 2023, Confused.com and GoCompare had no deals or discounts for travel insurance).

Price is obviously a big consideration when you are looking for the best travel insurance – you’ve probably already spent a lot on your holiday. But you may be able to get much better coverage for just a few pounds extra, so it’s worth scrolling down the comparison site’s list of providers before buying.

Medical costs abroad will undoubtedly be the biggest expense you face if you fall ill abroad, so don’t scrimp on those.

Then think about your next biggest expense (probably cancellation/interruption of your trip) and make sure that you have high-value coverage for that.

If you find you can get much higher coverage (the maximum amount you can claim per type of claim, such as medical or baggage) for not very much more money, go for the slightly more expensive option.

Going direct

Comparison sites won’t always find you the cheapest deals, however. For example, Direct Line offers some of the best travel insurance with Covid cover and is not on comparison websites.

Some of the best travel insurance companies also offer discounts for buying directly from them, as follows:

Bundled coverage options

When looking for the best travel insurance for your holiday, it can make sense to buy a bundle of coverage under one policy.

Comparison websites will often offer add-on gadget cover, winter sports cover or cruise cover all under the one policy. If you need that extra cover, it is typically cheaper to buy your travel insurance this way rather than as separate policies.

What is covered by travel insurance?

The best travel insurance companies will offer you comprehensive coverage across all types of claims. It’s easy to compare the best travel insurance deals using a comparison website.

Medical coverage

This covers you for medical expenses you incur if you become ill or have an accident while away. The best UK travel insurance will have a high level of medical coverage.

For example, medical coverage will pay for any necessary treatment if you come down with severe food poisoning or you fall through a window and have to be taken to hospital in an ambulance.

• Avoid hefty bills or debt for medical assistance outside the UK
• Access better treatment – for example, at private vs public hospitals
• Often, as long as you declare existing conditions or pending treatment or tests, you are covered if you fall ill during your trip (check policy exclusions)
• Even the best travel insurance companies will likely charge you more if you have a pre-existing medical condition
• You might have to pay part or all your medical expenses first, then claim on the policy afterwards
• Even the best travel insurance companies do not cover events that happen after you have consumed alcohol excessively or taken recreational drugs or other substances

Trip cancellation/interruption

This insurance pays out the cost of your missed trip if you have to cancel or cut your holiday short due to unforeseen circumstances.

For example, cancellation insurance would normally pay out if you broke your leg just before you were due to travel and had to cancel your trip.

Interruption insurance would cover you if you had to come home early for certain reasons beyond your control – for example, if the area you were staying in was engulfed in wildfires.

• Money you would have lost on pre-paid, non-refundable travel expenses is paid to you under the policy
• It can be especially valuable if the trip you are planning is very expensive, as this is money you would lose if you couldn’t go
• You’ll usually only be covered if your trip is cancelled or cut short for specific reasons listed in your policy
• You usually won’t be covered if you miss your flight because you are held by customs or cancel because of a work issue or a pre-existing medical condition that is not covered

Baggage cover

This insurance covers the cost of replacing your luggage if it is lost or stolen.

For example, if an airline loses your luggage in transit or your suitcase is stolen from your hostel while you’re away, you can make a claim for the cost of replacing its contents.

You may also be able to claim for costs related to baggage delay if the airline temporarily misplaced your baggage.

• You can claim for the actual cash value of your belongings or the cost of replacing them (whichever is less)
• High-value items, such as jewellery or sports equipment, can be very expensive to replace without travel insurance
• Standard policies usually place per item and total limits on claims.
• If you are taking very expensive items away, check your policy carefully to ensure that you’re covered (and potentially get a separate policy)
• Some items could be covered by your home insurance policy, so check your policy carefully to see what is any isn’t. It’s also important to note that, should a lost item be covered by both policies, you can only claim once; an attempt to claim twice would be considered fraud

Personal liability

This insurance covers you if you are held responsible for harming another person or damaging their property.

For example, it covers you in situations where you cause serious damage to your holiday accommodation or accidentally stumble into someone else, causing them to need medical treatment.

• The cost of defending yourself in a legal case or repairing/replacing damage could be extremely costly without travel insurance
• Your travel insurance company will take over dealing with a foreign legal system
• You’re covered for the cost of any compensation (up to certain limits)

Limits: 

• Not all travel insurance provides personal liability as standard
• Policies may exclude personal liability while you partake in adventure activities
• Claims related to you committing a crime or damage by wilful negligence won’t be covered
• You likely will not be covered if you admit liability or make an offer to pay before talking to your insurer

Finding the best travel insurance with Covid cover

Looking for the best travel insurance with Covid cover? Many travel insurance policies now include cancellation cover for reasons related to Covid. This often applies within two weeks of being due to travel, according to the Association of British Insurers, but individual policies can vary.

To make a claim, insurers often require proof in the form of a medically approved positive Covid test. A lateral flow test or self-diagnosis is usually not accepted.

What Covid-related cover to look for

The best travel insurance with Covid cover should include the following:

• Cover if you can’t start your trip because you tested positive for Covid before travelling
• Cover if you or family members cannot return home because you/they test positive for Covid during the holiday
• Cover for additional costs, such as alternative flights, accommodation and Covid tests
• Cover if you cannot reach your final destination during transit due to Covid-19

Travel insurance providers with comprehensive Covid cover

Looking for the best travel insurance providers with Covid cover? Most travel insurance policies now offer some kind of Covid cover, but Churchill, Direct Line, M&S and Aviva have some of the most comprehensive offerings, with cover for cancellations and expenses related to Covid.

• Covid covered as standard on travel insurance policies
• Cover for trip cancellations if you, a close relative or a travelling companion is diagnosed with Covid-19 or another pandemic disease
• Cover if you or a person you’re planning to stay with must quarantine (abroad or in the UK)
• Cover if you can’t use pre-booked and pre-paid accommodation affected by Covid-19
• Cover for quarantine or where the Foreign, Commonwealth & Development Office (FCDO) advises against travel within 28 days of departure
• Cover for emergency medical expenses abroad due to Covid-19

Direct Line

• Cover for travel to a destination where the FCDO is advising against all but essential travel 
• Cover for medical expenses if you catch Covid-19 while you’re away 
• Cover for additional accommodation and transport if you have to quarantine due to Covid
• Cover for cancellation costs if you or a close relative get Covid-19 before you go
• Cover for quarantine or if the FCDO changes its advice after you book your trip
• Cover if you have to cut your trip short if the FCDO changes its country advice unexpectedly

• Cover for emergency medical expenses if you catch Covid-19 during your trip
• Cover for unrecoverable costs up to £6,000 if you must cancel your trip or return early, including if you have to self-isolate or quarantine before you travel due to Covid-19
• Cover for if you need to cancel your trip due to a positive Covid-19 test or if the FCDO advise against travel to your destination in the 31 days leading up to your trip
• Providing you haven’t travelled against FCDO advice, you’ll also be covered if you catch Covid-19 while abroad

• Coverage of up to £5,000 per person if you must cancel your trip due to getting Covid (you’ll need to provide confirmation and evidence of a positive test result)
• Cover for Covid-related emergency medical treatment and expenses while away
• Cover if you unexpectedly need to quarantine, including extra travel and accommodation costs to get home (provided a return trip was booked) 
• Cover for costs for any accommodation and excursions unused due to getting Covid where the costs can’t be recovered elsewhere
• No cover you if you travel against FCDO advice*
• No cover if you can’t travel because you don’t meet the entry requirements of a country (such as having had Covid vaccinations)*

* It’s worth noting that these clauses are not unusual and the majority of providers will have something similar

Tips for selecting the best UK travel insurance packages

Need some help picking the best UK travel insurance packages to make sure that you get the best travel insurance deals? Here are some tips for picking the best policy features for you.

Coverage limits

When looking for the best travel insurance companies to go with, check coverage limits. These are the maximum amounts your travel insurer will pay if you need to claim. You’ll see when you compare travel insurance policies that coverage limits vary for each type of claim and between policies.

The government-backed MoneyHelper website recommends that the best UK travel insurance should have the following minimum coverage for each type of claim:

• Medical: £1m or more for travel to Europe and £2m or more for the US
• Cancellation/interruption: £2,000 or more
• Missed departure: £500 or more
• Delay: £200 or more
• Baggage cover: £1,500 or more
• Personal liability cover: £2 million or more

Deductibles/excess

Deductibles, also known as the excess, is the amount you have to pay out of your own pocket before your travel insurance will start paying for your claim.

You have to make a trade-off when it comes to choosing the excess and the best travel insurance policy for you.

The lower the excess on a travel insurance policy, the better for you if you have to claim because you will have less to pay from your own pocket (or, more often, deducted from your claim).

But lower excess travel insurance policies are more expensive because the insurer knows it has more to pay out if you claim. Higher excess policies are cheaper, but you’ll have more deducted from your claim.

An exclusion on a travel insurance policy is an event the policy will not cover you for.

Common exclusions on a standard travel insurance policy may not be obvious. According to the ABTA – The Travel Association, these include:

• Incidents that occur after drinking too much alcohol or taking drugs
• Theft of unattended possessions
• Sports, extreme sports and activities such as skiing, white water rafting and bungee jumping
• Medical treatment resulting from existing medical conditions you have not declared or conditions preventable by vaccine or advisable medication, such as antimalarials
• Medical costs if you stay abroad after your doctor says you are fit to return to the UK
• Strikes and industrial action if it was known when you booked your trip
• Rescheduled flights where the airline has cancelled and then rescheduled your flight
• Travel to destinations where the FCDO advises against all but essential travel

To get the best travel insurance deals, one way around some of these exclusions is to buy add-ons for adventure activities. In addition, make sure to declare all pre-existing conditions and keep an eye out for any travel disruptions before you book.

Pre-existing conditions

Pre-existing conditions are illnesses or medical conditions you have and are aware of before you travel.

Travel insurance companies will ask you to disclose any pre-existing conditions. If you use a comparison website, it will be among the first questions you’re asked before it shows you quotes. It’s important to be honest.

Some travel insurance companies, but not all, will offer cover for pre-existing medical conditions, while others will offer cover but exclude any claims arising from that medical condition. This will depend on the person being covered and the medical condition.

Most price comparison websites include an option to show insurers who do offer coverage for pre-existing conditions, so that would be a good place to start.

The following are likely to be considered pre-existing conditions you should disclose, according to the government-backed MoneyHelper website:

• A condition where you are on a list for an operation
• A condition where you are waiting for test results
• Anything you have been to the doctor about in the last year, including minor things
• Any serious conditions you’ve ever had – for example, cancer, heart trouble, respiratory problems or a mental health breakdown

A good tip for everyone, but especially if you have a pre-existing condition, is to buy your travel insurance as soon as you book your holiday. If your condition gets worse and forces you to cancel your plans, you’ll be covered from the day the policy starts.

On family group policies, the cost will be determined based on the riskiest traveller (according to insurers), which could be someone with a pre-existing condition or an older individual. In this case, it is often cheaper for the group for that person to get a separate policy.

Add-on options

Add-ons are extras you can purchase in addition to a standard travel insurance policy. They cost a bit more, but you may find you’re not covered without them. 

Gadget insurance

This covers things that a standard policy may not, such as your mobile phone or laptop. If these items are covered, you may find the claim limits are far less than the cost of replacing them.

Before you add this option to your travel insurance, check your home insurance policy, because you may already be covered.

Winter sports/adventure activities

Riskier activities, such as skiing or white water rafting, often require extra holiday insurance because insurers think that you are more likely to need to make a claim doing these things.

Winter sports/adventure activities cover is worth getting, or you may find you are not covered for medical expenses if something goes wrong.

Standard travel insurance is generally meant for land-based holidays so you’ll need to opt for a specialist cruise policy if your holiday is a cruise.

European FCDO travel advice extension

Most standard travel insurance policies are invalid if you travel when the FCDO advises against “all but essential travel”.

This add-on allows you to travel to Europe with a valid travel insurance policy, even if the FCDO has advised against it.

This can be an expensive add-on, but if you really must travel to a risky area, you will need this extension in order to make sure you have cover.

Best holiday insurance summary

Choosing the right travel insurance is an essential part of enjoying peace of mind while you are on holiday.

When looking for the best travel insurance deals, don’t just pick the cheapest policy. Instead, look for the cover limits that match your requirements. For example, baggage cover of £5,000 isn’t worth having if your baggage is worth £1,000; cancellation cover up to £10,000 isn’t worth having if your holiday cost you £2,000.

The easiest way to compare the best travel insurance is usually by using a travel insurance comparison website.

Think about the sort of activities you’ll be doing while you’re away. You may need extra holiday insurance for things such as winter sports or scuba diving or if you are going on a cruise.

Be honest about any pre-existing conditions when buying your travel insurance, or you won’t be covered if you have to claim.

The best travel insurance is a safety net for you and your family to enjoy your trip away stress-free, knowing that you’re covered for everything from medical expenses to cancellations if things go wrong.

Frequently asked questions about the best travel insurance UK packages

Is travel insurance necessary for domestic travel within the uk.

Even where medical costs in the UK are covered by the NHS, a sudden illness could lead to other expenses, forcing you to cancel your trip, the costs of which travel insurance would cover.

Lost or stolen luggage and broken gadgets or other claims for damage can just as easily occur in the UK as abroad.

What is annual travel insurance, and is it a good option for frequent travellers?

Annual travel insurance is a policy that covers you for multiple trips away within any 12-month period. It is often cheaper than buying a separate policy for each trip if you are planning to go away multiple times in one year.

Annual travel insurance is also useful if you are planning a long trip visiting several countries, as often insurers require you to buy travel insurance before you leave the UK rather than abroad mid-trip.

Are there any travel insurance companies that specialise in certain types of trips or travellers?

Specialist travel insurers cater to specific groups of people. It can make sense to seek out travel insurers that cover your needs.

Adventures Insurance, Sports Cover Direct and Snowcard tailor their travel insurance to those who enjoy activity holidays and extreme sports, for example.

Senior travellers are the focus of policies from All Clear, Avanti, Co-op Insurance Services, Free Spirit Flex, Good 2 Go Extra, Goodtogo Insurance, Saga, Staysure and Total Travel Protection.

Insurers offering business trip cover include Allianz, Direct Line, Coverwise and Insure & Go.

How do I make a claim with my travel insurance company?

To claim on your travel insurance while you are away, make sure that you take your policy number with you and the emergency number for your insurer. If you are travelling abroad, take any international numbers too.

Call your insurer as soon as you realise you need to make a claim. Keep all receipts and medical expense forms. If you are travelling with other people, make them aware of your policy details and the insurer’s phone number in case they need to call on your behalf.

To make a claim when you return home, check the following:

• You haven’t left it too late to make a claim
• What you’re claiming for is covered
• The excess is not more than the value of your claim (if so, it’s not worth claiming)

Notify your insurer as soon as possible for a claim form, send it back fast and keep a copy of it. You should also include copies of paperwork to support your claim, such as receipts or medical certificates (keep copies of the originals in case your claim is queried or refused).

Laura Miller

Laura Miller is a freelance journalist, editor, and producer. She has a wealth of consumer finance experience, having written about money matters and business for over 15 years.

During her tenure as a freelance writer, she has worked for ITN, Wired, and The Sunday Times, as well as financial institutions such as Aegon, the Chartered Insurance Institute, and Pension Bee, where she’s presenter of the Pension Confident Podcast.

Laura has previously held roles at The Times, where she was the Acting Editor of Times Money Mentor, The Telegraph as a senior finance reporter and was the co-host of the It’s Your Money Podcast, which was renowned for making complex finance issues accessible, and The Financial Times, where she worked as a News Editor. Laura has also worked at CNN, Politics.co.uk, and as a producer at Radio 5 Live.

Connor Campbell

Connor Campbell is an experienced personal and business finance writer who has been producing online content for almost a decade. 

Connor is the personal finance expert for Independent Advisor, guiding readers through everything they need to know about car insurance and home insurance. From how much it costs to the best insurance providers in the UK, he’s here to help you find the right policy for your needs. 

In his capacity as writer and spokesperson at NerdWallet , Connor explored a number of topics close to his heart, such as the impact of our increasingly cashless society, and the hardships and heroics of British entrepreneurs. His commentary was featured in sites such as The Mirror , the Daily Express and Business Insider . 

At financial trading firm Spreadex, meanwhile, his market commentary was featured in outlets such as The Guardian , BBC , Reuters and the Evening Standard . 

Connor is a voracious reader with an MA in English, and is dedicated to making life’s financial decisions a little bit easier by doing away with jargon and needless complexity.

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Good To Go Travel Insurance

Read this guide for information on Good To Go travel insurance and the levels of cover available or Click the Quote Now button when you’re ready to start a quote.

Page contents

Good to go cover overview, silver cover , classic cover , defaqto 5 star rated platinum cover, optional add-ons, what do customer reviews say, 5 star rating for policies provided by allclear.

Good To Go cover specialises in providing travel insurance to holidaymakers with pre-existing medical conditions.

The insurer offers cover for a wide range of medical conditions including, heart conditions , cancer , diabetes and stroke and provides UK-based 24-hour emergency medical support .

There are also no upper age limits on single or multi-trip policies and cruise cover is included on all policies as standard.

Single-trip (up to 94 days) and multi-trip policies (unlimited trips up to 31 days at a time) are available across 3 levels of cover – Silver, Gold and Platinum.

Since 2010 goodtogoinsurance.com has insured over 360,000 travellers who may have had difficulty finding cover from a standard travel insurer due to their medical history or age.

Silver is the most economical travel insurance policy offered by Good To Go. It provides cover under for medical treatment and repatriation, lost medication and mobility aids only.

This may the most appropriate policy for holidaymaker who want to be assured that medical expenses are covered if they fall ill while travelling, but are not worried about having cover for cancellation or possessions.

Benefits include

• Emergency medical treatment -up to £10m
• Confined to a public hospital – £25 per day up to £1,000
• Lost medication – up to  £300
• Mobility aids, lost damaged or delayed – up to  £2,500
• Worldwide cover available
• Annual and single-trip policies available

Gold cover provides the same level of medical cover as Silver policies as well as insurance for cancellation and curtailment , personal possessions, travel delays and much more.

• Cancellation – up to £2,000
• Curtailment – up to £2,000
• Abandonment as a result of delays – up to £2,000
• Missed departure – up to £500
• Delayed departure (12 hours or more) – up to £100
• Cancellation after a delay of over 24 hours – up to £2,000
• Death or injury following an accident – up to £15,000
• Emergency medical treatment – up to £10m
• Lost medication – up to £300
• Possessions lost, stolen or damaged – up to £2,000
• Lost or stolen cash – up to £200
• Mobility aids, lost damaged or delayed – up to £2,500
• Lost or stolen passport – up to £300
• Held legally liable for injury or damage – up to £2m
• Legal advice – up to £25,000
• Additional travel or accommodation as a result of a catastrophe while travelling – up to £1,000

A Classic policy provides the same cover as a Gold policy with increased insurance for cancellation, curtailment and abandonment as a result of travel delays.

• Cancellation – up to £5,000
• Curtailment – up to £5,000
• Abandonment as a result of delays – up to £5,000
• Possessions lost, stolen or damaged –  up to £2,000

Platinum provide is highest level of travel insurance provided by Good To Go cover. It gives the same level of cover for medical expenses, cancellation and curtailment as the insurer’s Classic policy, with increased insurance for personal possessions and no excess pay in the event of a claim.

• Cancellation after a delay of over 24 hours – up to £5,000
• Possessions lost, stolen or damaged – up to £3,000

Both annual and single-trip policies available

Ski insurance

Good To Go policies can cover ski trips for people up to the age of 75 on both single-trip and annual (up to 24 days skiing per year) policies.

Cover includes:

• Medical expenses – up to £10m including mountain recovery (air ambulance if necessary)
• Ski equipment – up to £500
• Ski hire – up to £250
• Piste closure – up to £250

Sport and hazardous pursuits extension

Hazardous and sporting activities are split into the three categories. The first (A) is included as standard however an additional premium is required for categories B and C. Holidaymakers can check which category their planned activities fall under and buy the appropriate policy add-on.

For golfers, goodtoginsurance.com offers an additional level of cover which includes:

• Loss of golf equipment – up to £1,500 (£50 excess and single article limit of £300)
• Golf equipment hire – up to £375 (£50 excess)
• Loss of green fees – up to £500
• Hole in one – up to £100

Goodtogoinsurance.com offers cover up to £1000 for the value or cost of repair of gadgets (maximum £500 per gadget and £50 for CDs, games, tapes, cassettes or cartridges), which are lost, stolen, damaged or destroyed while travelling.

Unauthorised calls from stolen mobile phones are also covered up to £75.

The following gadgets can be covered:

Mobile phones, iPad and tablet computers, e-readers, sat nav, iPod and MP3 players, cassette players/CD players, computer games machines and any equipment used with them such as CDs, games, tapes, cassettes or cartridges.

Proof of ownerships will be required; reasonable care must be taken and gadgets must not be left unattended in a public place.

Extended travel delay

Goodtogoinsurance.com offers policy holders the ability to increase the Travel Delay Section of their cover to provide £200 for each 12-hour delay, up to a maximum of £1,000.

Missed connection extension

The policy provides cover up to £500 for additional transportation and/or accommodation expenses incurred to enable travellers to join their connecting aircraft, watercraft, train or motor vehicle to get to their pre-booked final destination.

Natural catastrophe extension

Goodtogoinsurance.com can provide additional cover for cancellation and additional expenses as a result of a catastrophic natural events such as: fire, flood, earthquake, storm, lightening, explosion, hurricane, volcanic eruption or infectious disease.

The add-on includes:

• Cover for any part of an outward, onward or return journey or whole trip which is cancelled due to a natural catastrophe up to £1,500 per person
• Cover for additional expenses that enable y travellers to return home up to £150 per day (£1,500 in total) per person

The catastrophe must be unknown and unforeseen at the time the insurance was purchased the or the policy holder booked their holiday, whichever is the latter.

Terrorism cover

All policies from goodtogoinsurance.com include cover for emergency medical expenses and repatriation as a result of a terrorist act. The insurers have partnered with Safe Journey Terrorism Travel Insurance to offer additional cover in the event of an act of terrorism.

Should holidaymakers not wish to travel, or have to curtail their trip due to terrorism, the add-on provides cover for a portion of prepaid, irrecoverable transport, accommodation, foreign car hire costs and prepaid excursions up to a maximum of £2,000 with an excursion limited to £250.

For cancellations, the terrorist event must have occurred within 42 days of the date on which a holidaymaker is due to start their trip and for both cancellation and curtailment claims, pre-booked holiday accommodation must be within 40 miles of the act.

Virtual UK Doctor Access

Goodtogoinsurance.com can provide unlimited access to a private UK General Practitioner (GP) helpline, allowing holidaymakers to speak with a doctor at a time and place that suits them while travelling.

Good To Go provides three levels of cover with its Platinum product receiving a 5-star rating from Defaqto for the quality of its features and benefits and cruise cover is included as standard on all levels of cover.

There is no age limit on policies and the insurer can cover range of medical conditions including more serious and even terminal diagnoses in some circumstances. This makes it an excellent choice for people with pre-existing medical conditions looking for travel insurance.

A comprehensive range of policy add-ons (including golf, terrorism & natural catastrophe, gadgets) and cover extensions are available, all offering good levels of additional cover.

Good To Go cover has an excellent reputation among its customers for the quality of its service.

Simple 3 step quote process

1. call us or click a quote button on our site, 2. complete our simple medical screening process, 3. get your quotes.

Written by: Russell Wallace | Travel Insurance Expert Last Updated: 6 August 2024

† Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 70,000 reviews as of January 2024. AllClear Gold Plus achieved a Which? Best Buy.

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Review of goodtogoinsurance.com: Need Travel Insurance for Medical Conditions?

• Specialist travel insurer
• Most medical conditions, including severe and terminal cases
• Many options including Gadget and 24/7 Virtual Doctor
• Excellent customer reviews
• Medical repatriation
• Those looking for the cheapest cover

Editor's Rating

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here .

Compare Cheap Travel Insurance

Protect your holiday today. Quick quotes from 20 insurers.

Goodtogoinsurance.com is a specialist travel insurance provider that caters to medical conditions up to a high level of severity, including high blood pressure, high cholesterol, heart conditions, cancer, diabetes, asthma, stroke, MS, anxiety and depression. Excellent customer reviews and a wide range of optional extras give further piece of mind. For instance, policyholders can add on 24/7 Virtual Doctor to access a UK doctor for advice whilst away.

• Customer Reviews and Ratings
• Price Comparison
• Notable Features
• Policy Limits and Coverage Options

How does goodtogoinsurance.com Compare to Competitors?

• Policy Wording and Claims

goodtogoinsurance.com Travel Insurance Review: What You Need to Know

Travel insurer goodtogoinsurance.com specializes in covering people with pre-existing medical conditions, even in severe or terminal cases. Knowing their target audience and aiming to serve them well, goodtogoinsurance.com offers a host of features for those worried about travelling with medical issues. Here are a few features offered by goodtogoinsurance.com that can benefit those with medical conditions:

• Medical repatriation for you and a companion if medically necessary
• Optional 24/7 Virtual Doctor Access to speak with a UK-based doctor for advice when you're abroad
• Budget option: For those who want bare bones travel insurance only for medical emergency cover, the Silver plan doesn't include cancellation, baggage etc., and is cheaper as a result
• Following emergency surgery and a 5-day hospital stay abroad, cover for a recuperation holiday and home help

In addition, there's no upper age limits. And goodtogo offers desirable features like Catastrophe cover on their top two tiers on most plans and the option to add cover for your gadgets . ( Scheduled Airline Failure/End Supplier Failure is now not included as standard, although you can buy it as an add on, too.)

Those going on a cruise can get cover for cabin confinement, emergency airlift to hospital, missed port and unused excursions. To learn more about market prices please see our article Average Cost of Cruise Travel Insurance UK .

Applying is pretty quick and easy, either on the phone or online. As part of the quote process you’ll disclose your medical conditions and answer a series of multiple choice questions, such as past treatments, any upcoming, scheduled treatments and whether you had any hospital stays in the past year. You don’t need a doctor's certificate or the names of any medications. Scheduled Airline Failure is included on all policies.

While not the cheapest in the market, goodtogoinsurance.com's features are more robust than many competitors.

For travellers just looking for medical emergency cover when they're on holiday, goodtogoinsurance.com’s medical-only Silver plan can be an interesting option. The Silver plan doesn’t cover mishaps like cancellation or lost baggage. But for those whose priority is protection against the potential financial devastation of a medical event abroad, the Silver plan can provide emergency medical cover at a more economical rate since events like cancellation or baggage are not included. (This would only work for you as an option if you're prepared to absorb any costs of a cancelled trip or lost baggage, however.)

What if I have a severe medical condition? If you're struggling to find Annual travel insurance to cover your medical conditions at a reasonable price, you may want to consider a single trip policy instead. Since those with a severe medical condition are riskier to insure, travel insurance providers are more comfortable providing cover for a known trip over a limited time, as discussed in our article on top tips for travel insurance with medical conditions .

For single trip policies, goodtogoinsurance.com will consider all types of conditions up to a very high level of severity. For annual multi-trip policies, however, goodtogoinsurance.com can cover a more limited degree of severity.

Over 65s: goodtogoinsurance.com will cover travellers of any age, whether you’re over 65, over 80 or even over 90!

Bottom Line: goodtogoinsurance.com can provide travel insurance for most people, even those with a severe medical conditions. Extra options such as the 24/7 Virtual Doctor and Gadget cover set goodtogoinsurance.com apart from the competitors.

Covid cover

All standard goodtogoinsurance.com policies now cover emergency medical treatment and repatriation if required for those who catch Covid-19 while abroad. They also cover additional accommodation and transport costs if you can't return home because you caught covid and were made to quarantine abroad.

Plus, Cruise policies cover cabin confinement and Platinum policies cover if you're confined to your accommodation.

Their Gold and Platinum policies and all levels of Cruise cover also provide cancellation for the following covid-related situations:

• if you, someone insured on the policy or a travel companion catches Covid-19 within 14 days of departure
• Cancellation if you, someone insured on the policy or a household member has to isolate at home due to covid
• if you, someone insured on the policy or a family member is hospitalised or die due to covid
• if you or anyone insured on the policy, or a family member are hospitalised or die due to Covid-19.

Read their latest covid cover information here .

goodtogoinsurance.com Customer Reviews and Ratings

Is goodtogoinsurance.com Travel Insurance any good? goodtogotravel insurance rates well for features, in particular their Platinum policies. But how is goodtogo's customer service? We've read through hundreds of reviews to see what real customers have to say about goodtogoinsurance.com travel insurance. Here's what we found:

goodtogoinsurance.com Travel Insurance Trustpilot

goodtogoinsurance.com has earned an impressive 4.7 stars out of 5 at Trustpilot , with nearly 8 out of 10 customers giving goodtogoinsurance.com a full 5 stars indicating an Excellent experience. But when something goes wrong, what do customers experience? Here is a sample of the more common comments and some remarkable complaints left on Trustpilot:

"Good service and they answer the phone, will use again." "Have used goodtotgo on several occasions and always found them to be efficient & on the one time my husband had to cancel a trip, the claim was dealt with speedily." "So happy to renew with you, covid was explained and only paid a little extra, we had a claim a few years ago it was really straight forward just a phone call we had little else to do, every thing was done for us..." "I have been diagnosed with Bladder Cancer and needed extra Travel Cover. My annual travel insurance company didn’t want to know. I contacted Goodtogo spoke to a very nice Lady, after a few questions about my Cancer I got full cover for my forthcoming pre Surgery Trip. Would certainly recommend Goodtogo." "We have been waiting over two years for them to pay a medical bill on a trip we took to the US. My disabled son needed an emergency surgery, and we chose this company because they said they would cover his pre existing medical conditions. The hospital says we owe them $89,000 as goodtogo are refusing to pay the full amount of the bill. They have not communicated with us about this at all. Communication is terrible (for claims, not for when you’re buying the policy) and they have caused us a great amount of stress."

Note: there were also a number of complaints from the first half of 2020 related to Covid-related trip cancellations. It seems that trip cancellations were not covered to many customers' satisfaction. goodtogoinsurance.com has since come up with new COVID-19 policies that cover cancellation if you catch COVID-19 before you travel and need to cancel your holiday. If this is a priority for you, it may be worth paying extra for this cover.

How do goodtogoinsurance.com Prices Compare?

We compared goodtogoinsurance.com's premium Platinum plan against similar, competing plans from Free2Travel and Free Spirit, and found that goodtogoinsurance.com's prices were frequently on the high side.

For example, goodtogoinsurance.com's Platinum plan cost 2X for cover for aneurysm and a stent in Europe vs. Free2Travel and Free Spirit's prices, but in some cases their prices were in line with competitors. The table and charts below illustrate sample prices for a 65-year-old traveller with various conditions for premium plans with £10 million of medical, £5,000 of cancellation and £3,000 of baggage cover.

Insurance quotes can vary significantly from day to day and according to each individual's details, so please just use this following data for general educational purposes only about the travel insurance market; your quotes may reflect a large degree of variation.

goodtogoinsurance.com Gold and Platinum Standard Features

goodtogoinsurance.com includes cover for Emergency Medical, Cancellation and Baggage on their Gold and Platinum policies, limits for which can be found below in the Policies section. Their Silver plan is a "medical only" insurance plan.

For more complete details like inner limits and exclusions, please see the policy documents .

Goodtogoinsurance.com Optional Extra Coverages

Goodtogoinsurance.com offers a wide range of extra coverages to protect you while you’re abroad. For instance, you can buy winter sports cover, cruise cover and gadget cover to protect mobile phones and tablets when you go abroad.

Goodtogoinsurance.com Travel Insurance Cover Plans & Limits

Goodtogoinsurance.com offers three tiers of travel insurance: Silver, Gold and Platinum. While all three offer the same £10 million of emergency medical cover, the tiers differ in limits for other coverages. Platinum has the most robust set of features. For instance, the top-tier Platinum plan protects holidays valued up to £5,000 against cancellation or curtailment, whereas the entry-level Silver plan is structured as a medical-only plan and doesn’t offer any cover for cancellation, baggage, etc.

To better understand the value of oodtogoinsurance.com travel insurance you need to look at it in the context of other available options. We compared it to other plans in the market so you can see which may be more suitable for you.

goodtogoinsurance.com Travel Insurance vs Fit2Travel Travel Insurance

Fit2Travel is another travel insurer specializing in offering cover to those with pre-existing medical conditions. Fit2Travel plans are typically more economical relative to others in the market for the level of cover, but you don't get perks like aftercare cover post hospitalization once you return home to the UK.

Bottom Line: If you want features like cover for home help after a qualifying surgery on your return home to the UK, a recuperation holiday or optional 24-hour doctor advice then you might be happy to pay more for goodtogoinsurance.com. If price is your priority, you're likely to find a cheaper premium with Fit2Travel.

goodtogoinsurance.com Travel Insurance vs Free Spirit Travel Insurance

Another medical-specialist for those travelling with health conditions, Free Spirit offers a host of optional extras like aftercare following hospitalization abroad, which covers home help, cosmetic surgery, dental treatment, physiotherapy and UK convalescence. Prices are typically close to average, although can vary depending on the condition.

Bottom Line: Free Spirit provides aftercare once you return home to the UK (e.g., physiotherapy, cosmetic surgery, etc.), but goodtogoinsurance.com stands out for the optional 24/7 Virtual Doctor and recuperation trips. If price is a priority, Free Spirit is likely to be cheaper.

Other Useful Information

• goodtogoinsurance.com Policy Wording

Erin Yurday is the Founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn .

• 4.8 out of 5 stars**
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Advertiser Disclosure : NimbleFins is authorised and regulated by the Financial Conduct Authority (FCA), FCA FRN 797621. NimbleFins is a research and data-driven personal finance site. Reviews that appear on this site are based on our own analysis and opinion, with a focus on product features and prices, not service. Some offers that appear on this website are from companies from which NimbleFins receives compensation. This compensation may impact how and where offers appear on this site (for example, the order in which they appear). For more information please see our Advertiser Disclosure . The site may not review or include all companies or all available products. While we use our best endeavours to be comprehensive and up to date with product info, prices and terms may change after we publish, so always check details with the provider. Consumers should ensure they undertake their own due diligence before entering into any agreement.

Note regarding savings figures: *For information on the latest saving figures, pay-less-than figures, and pay-from figures used for promotional purposes, please click here .

**4.8 out of 5 stars on Reviews.co.uk is the rating for our insurance comparison partner, QuoteZone.

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Goodtogoinsurance.com   Reviews

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Reviews 4.7.

9,781 total

Most relevant

Easy website...the best prices...listed…

Easy website...the best prices...listed my husbands condition answered all questions very simple site to use

Date of experience : 06 August 2024

Quick and easy quotation from a…

Quick and easy quotation from a recognized company with a good rating and feedback. Competitive quotation which filled all my needs.

Date of experience : 13 August 2024

Good Travel Insurance

Explaining bits of the policy that I did not understand, it was reassuring that I had the right policy.

Date of experience : 08 August 2024

Simple website and excellent price.

Easy to use website, simple to add pre existing conditions and an excellent price. Will definitely use again in the future.

The best travel insurance

Easy to sort out and purchase online, plus really good coverage if you have more complex conditions!

Date of experience : 02 August 2024

Easy to use

Easy to use with saved details from previous policies. s

Date of experience : 17 August 2024

Easy enough to do online no hassle…

Easy enough to do online no hassle asked for paper documents which came in a week

Date of experience : 10 August 2024

The ease of using the website

Date of experience : 14 August 2024

Very polite and helpful staff member

Very polite and helpful staff member. Goodtogoinsurance Co provided excellent coverage for the travel insurance and at a good affordable price

Date of experience : 19 August 2024

Have used this service before

Have used this service before, excellent value for money.

Date of experience : 12 August 2024

Is the TV advert accurate?

I phoned for an annual Europe insurance quote for myself and my wife, speaking to Sandi. I have had quotes from four other companies who insure existing medical conditions. However, when it came to the quote time, having taken all our details, good to go would only quote for a single trip and not annual, which I didn’t understand as all other companies gave a quote without issue. Anyway, it’s left me thinking “is the advertisement onTV contravening advertisement rules? I wonder!!

Date of experience : 22 August 2024

Easy to compare with other providers

Easy to compare with other providers, clear explanations and all paperwork received quickly. Very pleased.

Phone access to your firm…

The ability to speak to one of your staff by phone, not just pushed online, was very welcome - and much quicker!

The website is easy to access

The website is easy to access. The price is reasonable.

Your website is easy to understand

Your website is easy to understand. I fortunately have not had to claim so I can't rate that.

Quick and simple

Quick and simple steps for getting your insurance

An easy process.

Customer service agent was advised what I wanted. She acted professionally and informatively. All round, an easy process.

information was all there

we found it easy to follow. Price was reasonable.

Date of experience : 16 August 2024

No problem with service good…

No problem with service good information didn't take that long very pleased with the price.

Date of experience : 26 June 2024

Easy online forms to complete

Easy online forms to complete, very competitive price

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Goodtogoinsurance.com   Reviews

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Reviews 4.7.

9,781 total

Most relevant

Easy application process, price reasonable

Easy application and good price with existing conditions. Have nor made a claim so can not comment on the claims process.

Date of experience : July 27, 2024

Try not to make an error it will cost you

I'm 71 and arranged travel insurance. Good price good service and you get to speak to real people not robots. However in my initial information I put a wrong digit on my dob. Only discovered it when I tried to log in. On contacting them I was informed, to change that one digit I would be charged £34.13! I sent a letter of complaint as I thought for such a big company with a reputation that is good and for a small error, on my part, it was a little unworthy. No budging. So I cancelled and went somewhere else which is a shame. So be careful folks.

Date of experience : August 30, 2024

Very helpful staff…

The staff member who arranged the policy was very helpful and she was extrememly thorough in explaining the importance of mentioning all medical issues to ensure that I would be fully covered on my trip to France.

Date of experience : August 16, 2024

Everything was very easy to understand…

Everything was very easy to understand on the website and I was able to put in all necessary information

Having a heart condition I found the…

Having a heart condition I found the whole experience very good. I want to know that I am covered by my insurance policy when I am on holiday.

Date of experience : August 02, 2024

We saw the advert in one of our regular…

We saw the advert in one of our regular magazines & decided to try 'goodtogoinsurance' . It was a very easy process, & at sensible prices. Covered all our needs. Hopefully we won't have any need to make use of !!

Date of experience : July 28, 2024

Easy to sort out on there website

Easy to sort out online and at a competative price hopefully we wont need any claims.

Date of experience : August 10, 2024

I have been lucky

I have been lucky - GOODTOGOINSURANCE looks good I have used them for a few years now and I have never had a problem many thanks.

Date of experience : August 14, 2024

Travel with confidence

I had a query about a promo code which was quickly resolved by Jessica. I have always found GTG good value for medical travel insurance.

Policy was easy to buy and covered all…

Policy was easy to buy and covered all my requirements needed in the policy. Haven’t yet used it so cannot comment further about claims etc but buying was easy and simple

Date of experience : August 12, 2024

Good service

Your staff were very helpful and informative to make sure I had the right cover for are holiday and at a competitive price. Thank you

Date of experience : August 13, 2024

Your advisor spoke clearly and slowly…

Your advisor spoke clearly and slowly so my 90 year old dad could understand all her questions.

Date of experience : August 09, 2024

Very competitive prices

Very competitive prices. Smooth operation of the website site. Had to contact Customer Service to correct an error we made on the application which was dealt with very quickly and efficiently.

Very happy with product and service.

Easy to use website with concise easy to follow process. The cost is very competitive, have used now for a few years and very happy with the product and service.

Policy for Crete

No problems in buying the policy. The policy covers everything I need for my holiday. I am satisfied I will have no problems if I have to make a claim.

Date of experience : August 21, 2024

Booking was easy

Booking was easy, can’t comment on claims but chat was quick online with my question cheaper than others for pre-existing conditions

Date of experience : August 15, 2024

Had this insurance alot now and it's…

Had this insurance alot now and it's great value as I have a few health issues and can honestly say I'd get it again .

Date of experience : August 04, 2024

The person on the phone was very…

The person on the phone was very helpful I will certainly recommend the company

Usually I have to have help with this…

Usually I have to have help with this sort not thing as i am over 80. But I was surprised how simple it was., So thank you. I will always use Goodtogoinsurance when i travel in future.

Date of experience : August 06, 2024

Easy to use website and very…

Easy to use website and very straightforward process. Clear questions and no confusion.

Date of experience : August 19, 2024

Money blog: Liam Gallagher jokes about Oasis ticket prices in foul-mouthed social media posts

Liam Gallagher responds to fans on X following the controversy over ticket prices for Oasis's reunion tour. Scroll through the Money blog for this plus more personal finance and consumer posts - and listen to a Daily podcast special on the Oasis tickets debacle as you do.

Friday 6 September 2024 13:49, UK

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The controversy over ticket prices for the Oasis reunion tour is a topic we've covered a lot in the Money blog... 

Now, Liam Gallagher has been joking about how much they cost. 

In a series of posts on X, the band's frontman was asked by one fan if he had any spare tickets. 

"Shit loads, but they're really expensive. 100 thousand pounds. Kneeling only," Gallagher replied. 

After one social media user wrote: "Didn't expect them to rip the fans off as much as they have done. It's genuinely a shame," Gallagher replied: "SHUTUP."

One person asked how his mum Peggy felt about the reunion. 

"She's gutted she couldn't get a ticket", Gallagher responded. 

Many fans were shocked by costs for the band's reunion tour - which saw standard tickets more than doubling from £148 to £355 on Ticketmaster.

Others fans were left angry and disappointed at being left empty-handed, having waited in an online queue for hours to buy tickets.

Yesterday, the competition watchdog announced it would be investigating Ticketmaster over its use of dynamic pricing for the upcoming Oasis gigs. 

Visa says it is planning a new service which offers more control and better protection to people paying bills by bank transfer.

The dedicated service for account-to-account (A2A) payments will launch early in the UK next year, it said - with an "easy to use" resolution service that could make it easier for customers to claw their money back if something goes wrong.

Visa said consumers using the service will be able to monitor their payments more easily and raise any issues by clicking a button in their banking app, giving them a similar level of protection to when they use their cards.

Biometrics will also be incorporated to offer a new level of security, it added.

Royal Mail is hiking the price of first class stamps again - this time by 30p. 

From 7 October, they will increase to £1.65, while second class stamps will remain at 85p.

In April, first class stamp prices increased by 10p to £1.35, and by 10p to 85p for second class.

Royal Mail said it had sought to keep price increases as low as possible in the face of declining letter volumes, inflationary pressures and the costs of maintaining the Universal Service Obligation, under which deliveries have to be made six days a week.

It added that letter volumes have fallen from 20 billion in 2004/5 to around 6.7 billion a year in 2023/4. 

This means the average household now receives four letters a week, compared to 14 a decade ago.

In the same period, the number of addresses Royal Mail must deliver to has risen by four million, meaning the cost of each delivery has also risen. 

Nick Landon, Royal Mail's chief commercial officer, said: "We always consider price increases very carefully. 

"However, when letter volumes have declined by two-thirds since their peak, the cost of delivering each letter inevitably increases."

He called for the universal service to be adapted to reflect changing customer preferences, saying the financial cost to meet the current demands are "significant". 

"The universal service must adapt to reflect changing customer preferences and increasing costs so that we can protect the one-price-goes anywhere service, now and in the future," he added. 

Postal regulator Ofcom said this week that Royal Mail could be allowed to drop Saturday deliveries for second class letters under an overhaul of the service.

Up to 60 new Wagamama restaurants could be coming to the UK. 

The Asian food chain's owner, The Restaurant Group (TRG), said it wanted to operate between 200 and 220 premises across the country as part of a long-term plan. 

It's currently on track to open 10 new sites this year, which would create around 500 jobs, according to The Caterer. 

It comes as TRG posted its financial results for the year ending December 2023. 

It said Wagamama saw its dine-in like-for-like sales increase by 11%. 

It's other brand, Brunning and Price Pubs, saw sales go up by 10%. 

TRG's chief executive Andy Hornby said 2023 was a "genuinely transformational" year for the company. 

"We traded strongly throughout the year thanks to the phenomenal efforts of our restaurant and pub teams," he said. 

"We are on track to open 10 more Wagamama sites in the UK during 2024 and we have acquired 100% ownership of our Wagamama business in the USA." 

He added that he was "confident" that the company would continue to grow in the years ahead, despite the "challenging" consumer backdrop. 

Amazon has announced it will boost pay for tens of thousands of its UK workers by nearly 10%.

The online retail giant said the minimum hourly wage for frontline staff would rise to between £13.50 to £14.50, depending on their location. For those with 36 months' service, the increase will be to between £13.75 and £14.75 an hour.

Amazon said the pay rise was worth at least 9.8% and will come into effect on 29 September.

However, GMB, the union representing Amazon workers, said the move was "too little too late" from bosses who have been "forced to act by workers' industrial action".

Amazon workers in the UK have staged a series of strikes recently, including a walkout of hundreds of staff at the site in Coventry in March.

The company said it has invested £550m in increased pay for UK operations employees since 2022, representing a 35% increase in the hourly rate over the period.

Amazon UK's country manager John Boumphrey said: "Our frontline employees across the UK Operations network are a huge part of the success of our business and we appreciate everything they do to deliver for our customers."

One of the Big Four accounting firms has told staff it will start monitoring their office attendance in a bid to increase in-person working. 

PwC UK told employees that it will be sending out working location data every month to track their attendance, according to the Financial Times. 

The policy will be introduced from January to give people time to plan. 

The company told Sky News that it had adjusted its hybrid working approach and staff were now required to spend at least three days a week with clients or in the office. 

Previously, they were expected to come in at least two days a week.

Laura Hinton, managing partner at PwC UK, said face-to face working was "hugely important" to the firm's operation. 

"This feels right for our business and right for our people, given our focus on client service, coaching, and learning and development," she added. 

"At the same time, we continue to offer flexibility through hybrid working." 

IKEA customers could get their hands on a free breakfast as well as money off their shopping this weekend - as long as they turn up in their pyjamas.

The furniture retailer is offering a coupon for £15 off £50 and a cooked breakfast to anyone who rocks up at their stores in their PJs on Saturday.

You have to be an IKEA Family member to benefit from the offer, however it's free to sign up and can be done online.

According to IKEA's terms and conditions, pyjamas are "soft, loose clothing comprising of the following elements: trousers (or shorts) and a shirt which are worn to bed".

It said it would determine what constitutes pyjamas on the day.

Aside from its store in Hammersmith, London, where only breakfast rolls will be available, customers will be able to grab one of the following meals:

• Free small cooked breakfast
• Free small vegetarian breakfast
• Free children's breakfast if aged 16 and under
• Free bacon breakfast roll
• Free sausage breakfast roll
• Free vegetarian breakfast roll

Breakfasts have to be redeemed between 9.30am and 11am.

Reality star Gemma Collins has urged the nation to "pay attention" to their pensions after revealing she did not have one - until today.

The 43-year-old TV personality has joined a campaign encouraging people to take stock of the funds they will have later in life.  

She told Sky News: "I myself haven't got a pension. I'm self-employed. I was just like the nation needs to wake up.

"It's September, we're all taking stock of our lives again, we're having that life admin moment and we really need to be paying some attention to our pensions. 

"Before we know it, we're going to be old and we're not going to have any money."

The Only Way Is Essex star added: "If I urge the nation to do anything today, it's to pay some attention to your pension, and that's coming from me, the GC." 

She explained that she probably had "racked up" some form of automatic pension due to working multiple jobs when she was younger, but she "wasn't aware of them" until she was approached by the campaign. 

"I'm definitely putting in my pension from today, and I'm so excited. It's the best decision I've ever made," she added.

Pension Attention is an industry-led engagement campaign co-ordinated by the Association of British Insurers and the Pensions and Lifetime Savings Association. 

A survey for the campaign found just 23% of people have organised their finances for later life.

The campaign is encouraging people to find out if they have any lost pension savings, log into and check pension accounts and consider how much they will need for retirement

Mark Smith, spokesman for the Pension Attention campaign, said: "Most working people in the UK have a pension, but many don't know how to find information about these savings. 

"We're asking all UK adults to think about where their pensions are, what's in them and to ensure that things like names and addresses are up to date."

In a major U-turn, John Lewis has brought back a scheme that will see it price match 25 of its biggest competitors. 

The high street giant has said around 30,000 prices will change next week as it reintroduces its "never knowingly undersold" price pledge. 

The commitment had been in place since 1925 - but it was ditched two years ago over concerns it was less relevant to shoppers. 

It's return aims to boost its value perception among customers and will affect priced offered in-store and online. 

The brands being matched on price are: 

• Amazon (on technology)
• The Entertainer
• Furniture Village
• Harvey Nichols
• House of Fraser
• Mama's and Papa's
• Richer Sounds
• Smyths Toys

Bosses said the pledge will be backed by its largest marketing investment to date, with a significant advertising campaign also launching on Monday.

Peter Ruis, who was appointed boss of the retail business in January, said improvements in technology mean that they can operate a "better" version of the scheme.

"Customers have recognised our quality but there were questions over whether our value offer has been sharp enough in some areas," he said.

"The pricing mechanism we had before wasn't fit for purpose so changing that has absolutely been the right thing.

"What we are doing now, and what the technology is enabling us to do, is really different, and customers will see the benefit of that."

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