Leisure Guard travel insurance review

Can Leisure Guard provide you with the right level of cover for your next trip?

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Holidays are expensive enough without having to splash out when the unexpected happens. Leisure Guard have years of experience covering all eventualities and give you the chance to customise cover to your needs, so it might be the cover for you.
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Leisure Guard
Leisure Guard Travel Insurance
  • 24 hour emergency helpline
  • Up to £20,000,000 medical emergency & Repatriation cover
  • Up to £10,000 cancellation & curtailment cover
  • Cover for activities including snorkelling, water-skiing, cycling, golf, fishing, surfing and more
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Who is Leisure Guard Travel?

Leisure Guard are an insurance company with travel at it its core—quite literally—they’re housed in Bristol airport! They’re a trading style of Business Brokers ltd. and insure everything from caravans to holiday cancellations.

What are my cover options with Leisure Guard travel insurance?

Leisure guard have loads of options for their travel insurance customers, with the ability to customise your policy to no end. It’s insurance can provide:

  • Up to £20,000,000 medical emergency & Repatriation cover
  • Up to £10,000 cancellation & curtailment cover
  • Up to £3,000 cover for your personal possessions
  • Cover for loads of activities; including Snorkelling, Water-Skiing, Cycling, Golf, Fishing, Surfing and more
  • 24hr emergency helpline in place should you need us while on your trip

But what you get depends on what kind of holiday you’re going on, so check out some of their additional extras and tailored travel options.

Single trip cover is for one-off holidays which are being taken for a specific amount of time. Leisure Guard have very adaptable single trip cover, with the option to go for the ‘Standard’ (cheapest) policy and then adapt it for your needs with add-ons like winter sports cover and excess waivers. There’s also the option to go for the Premier cover options, which are more expensive, but have many of these add-ons included in the price already.
Annual travel insurance insures you for all the holidays you take in a year. Leisure guard offers all the same cover to their annual travel insurance customers, just for a longer period of time. There’s loads of additional extras
  • Maximum of 183 days abroad in the year
  • Unlimited number of holidays
  • Up to 31 consecutive days abroad per holiday, but this can be increased at an additional cost.
Leisure Guard insure people under 79, and often at no extra cost. For people with pre-existing medical conditions, they have a ‘condition waiver’ list, which are the automatically covered conditions. If your condition is not on the list, you can call their medical screenings line and they will give you a tailored quote.
If you’re heading to the slopes for your holiday, you’ll want some specific cover, tailored to the insurance needs of winter sports. Leisure Guard’s winter sports add on covers all of that, but is only suitable for those under 70.
  • Ski, ski equipment and ski pass loss cover of up to £2,000
  • Ski equipment delay, giving you £20 per day, up to a maximum of £200
  • Piste closure cover, giving £20 per day, up to a maximum of £240
  • Avalanche or landslide cover of £20 per day, up to a maximum of £240

What is my excess?

The ‘excess’ is the amount you’ll be expected to contribute to your insurer in the event of a claim.

Leisure Guard offer ‘excess waivers’ as an optional extra, meaning you may not have to pay the excess at all if you pay the extra for this ad-on.

The amount of your excess you have to pay will depend on which policy level you have and the nature of your claim. Make sure to check your policy schedule where your excess details will be shown in detail.

What is the claims process for Leisure Guard Travel?

Leisure guard claims are administered by Global Assistance, so to claim you will need to get one of their claims forms, which you can get by calling 00 44 (0) 343 658 0345 or emailing travelclaims@global-response.co.uk

This is different for gadget related claims, which have to go through Trent-Services Ltd on 01285 626020 or email claims@trent-services.co.uk

Leisure Guard pros and cons

Pros

  • Very customisable, with three coverage bands as well as add-ons and extras.
  • A number of pre-existing medical conditions covered as standard.
  • No excess on anything for their Premier PLUS customers.

Cons

  • Low maximum payouts for delays.
  • With standard cover you will probably want extra add-ons, which will cost more.
  • Limited time with their winter sports add-on (17 days).
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Millie Spark was a writer for Finder and covered a range of subjects including how to get the best deal on everyday shopping, and insurance. See full bio

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