Covered 27 million+ travellers

Trusted for 25+ years

24/7 emergency helpline

Home Travel Insurance Travel insurance with no excess
Letitia Smith
Travel Insurance Expert and Head of Communications
Last updated October 15 2025
1 min read

Travel insurance with no excess

What is travel insurance excess?

Most insurance policies include an excess, whether it’s insurance for your holiday, your car or your dog. This is an amount that you’d have to pay when you make a claim. For example, if you had a crash in your car and the cost of repairs was £1,000, and you had an excess of £100, you’d pay £100 and your insurance would pay the other £900.

Our travel insurance policies include an excess as standard, but we give you the option to remove it* when you buy your policy. Removing the excess increases the price of your policy a little (usually only by a few pounds) but it means you won’t have to pay us anything if you make a claim. So the £1,000 repairs we spoke about earlier, would be completely covered by the insurance and you wouldn’t pay a penny. Easy, really!

* Make sure you check the policy terms and conditions, as there are some cases where an excess would still apply

Letitia Smith
Travel Insurance Expert and Head of Communications

Letitia is a Travel Insurance expert with more than 20 years experience in helping people find specialist insurance. As Head of Communications at InsureandGo, Letitia cares about making it easy for people who love travel to get the cover they need.

experts shield

Our content is created and reviewed by a dedicated team of experts

* Discount based on the premium amount: 5% off premiums £0-£49, 10% off £50-£249, & 20% off £250+. Discount excludes any premium generated to cover medical conditions or optional extras. This offer cannot be used in conjunction with any other offer. Discount ends 23:59 on 29th January 2026. See Terms and Conditions for more details. All quotes from 19th December 2025 to 23.59 on 29th January 2026 will be included in the prize draw. Terms and Conditions apply.

InsureandGo’s Gold achieved a Which? Best Buy.
InsureandGo’s Gold and Black policies have been 5-star rated by Defaqto.